milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS has insisted XXXX in their response to my last complaint and in correspondence that XXXX XXXX does not allow loan modifications. However, when SPS sends me forms to fill out, they use forms that are copies of the government forms used to evaluate individuals for loan modifications. Secondly, SPS states very clearly that they participate in XXXX and XXXX programs. This contradicts their prior statement directly and means that they have been wasting my time. XXXX and I qualify for Loan Modification based upon her XXXX and our subsequent loss of income. I have supplied paperwork to illustrate this fact. I will submit a complaint against XXXX XXXX separately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We are still $ XXXX under water on our mortgage. I could not re-finance my VHDA loan. I asked numerous times for a solution. So we began the short sale process. We have a contract and PMI wants $ XXXX XXXX in {$150.00} a month payments for 100 months ). They finally offered a re-finance deal after I moved out ( {$300.00} a month lower for three years ). They are threatening to come after me for $ XXXX if I foreclose. I have {$8000.00} in savings and had maybe $ XXXX last time at this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage lender Stearns Lending LLC is witholding greater than the XXXX escrow cushion in my escrow account. Made multiple attempts to resolve. They cut a check for approximately {$950.00}. There is an additional {$1000.00} above the XXXX number they are witholding, and company refuses to pay it out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I cosigned on a student loan for my Brother and he failed to make a single payment, which was due on XX/XX/XXXX. On XX/XX/XXXX, I began receiving automated phone calls from Sallie Mae, reference " A business issue '' and directing me to call a number they provided in the message. Due to ongoing fraudulent activity with such calls, I did not return the call, however, I did check the account and noticed the account was a few days past due. I contacted my Brother and a full payment was made. After making the payment, I received three more automated phone calls from this company, each one to one and a half hours apart from each other. This type of harassment is unacceptable and is taken as telecommunications harassment and in violation of FTC regulations. To receive constant phone calls such as these every hour to hour and a half if a violation of it 's own and taken as harassment, but to receive NUMEROUS phone calls AFTER the payment is made is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Closing/Cancelling account

Complaint: My Macys account is due on the first of every month. Since I have had the card I have paid on the XXXX PRIOR to the due date. And have paid over the amount due. In XXXX my XXXX XXXX auto pay did not come out of my account and rather than calling me - on the XXXX of XXXX just 5 days late they cut my credit off and shut me out of my account so I can not even see my credit profile - I have made the payment and they still are locking me out - please look into this - you will see that is what happened and they are stating in a letter it is becasue my XXXX report shows a seriuos derogorty item which it does not and I have submitted a complaint with them as well. Macys has been the worst credit experience of my LIFE and I did read the reviews but thought it would be different for me I guess? 
thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to XXXX & Experian to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by XXXX & Experian the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, XXXX & Experian are reporting a new account for XXXX with my report it has dropped my score and reporting like it 's my account - when called company they have my old address but not my Id or social I told them not my account that said my info did n't match there 's so I 'm requesting it be removed. XXXX has alswuas never helped me with issues on my report but just slaps a self generated we added fraud alert to your report- I do n't even know what that is - they said they investigated but never provide proof -

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I do n't know how to answer the preceding question and it appears irrelevant. 

I printed the form on the CFPB 's website to request a free annual credit report from all XXXX main credit agencies, completed it and mailed it to the address indicated several weeks ago, via certified, return receipt USPS delivery. I got a letter from Equifax that falsely claims it did not receive information just submitted, such as my address. It further demands my social security number and birth date. I have received copies from all XXXX major credit reporting agencies at the address provided since 2001, for well over 15 years. The credit bureaus are so out of compliance with existing laws and they have caused me so much damage with lost credit and higher costs of credit, that they should be required to send me my credit reports to the same address they have sent them to for years, but only AFTER the CFPB forced them to give me copies of my credit reports. A recent pull of my credit report from Equifax and XXXX by XXXX XXXX XXXX XXXX indicates that my credit score has dropped precipitously and could hurt my ability to get a mortgage loan or at the best possible price. In the past, both of these credit bureaus have repeatedly carried false information in my reports that have injured my ability to get financing at the best possible rate. Equifax has acted hostilely to me for years, with little or no consequence and can not be trusted. Furthermore, they are not entitled to record, keep or provide my social security number and birthdate to third parties, yet they do so relentlessly against my written directions to cease and desist from doing so, exposing me to unwanted risks to my privacy, identity theft, cyber crime from all over the world, and enormous, unwarranted, credit difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Problem with additional add-on products or services

Complaint: I inquired about a loan for $  XXXX  and was told the minimum loan was $  XXXX .  One Main does a dvertise $  XXXX  and up and then demands that a $  XXXX  loan is the minimum.   I was pushed to take a loan for $  XXXX  to include my current car loan, which I did not want. The result was that I was rejected for the $  XXXX  loan that I never requested and was quoted 35 % for the  XXXX  loan which I rejected.   I received a letter stating that the loan had been rejected, a loan amount I never requested. The letter did not state that I had been verbally approved for the $  XXXX  loan which I rejected. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There are XXXX accounts on my credit report that are not mine. The creditor claims to have sold them and can not provide documentation, but still refuses to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I spoke with Navient about getting put back on a payment plan for my private loans since the payment plan that i was currently on would be expiring soon ( XX/XX/XXXX ). The representative assisting me took income/expense information from me and asked me to contact my co-signer to provide her income/expense information. After they gathered the necessary information, i was told that i qualified for a repayment plan with a 1/2 % increase from what i was previously paying. Due to my financial hardship, asked if there was any way that i could continue to pay what i had been paying. I was told no, and informed if i was unable to make the payment that my co-signer would have to. I told the representative that me and my co-signer would do the best that we could to pay the new higher rate. Navient then informed me that i am required to set up my account for them to automatically be withdrawn. I agreed since that is how it was set up previously. They had me verify my account number that they already had on file which was confirmed. XX/XX/XXXX me and my co-signer were contacted stating that i was behind significantly on the behind and demanded that i pay {$1300.00} dollars. I informed them that this should not be the case since they are set up on autopay. they then informed me that the payments have not come out successfully due to them not being about to " locate my account '' and that my bank needs to fix something on their end. I contacted my bank and they are unaware of what Navient is describing. Navient has called me several times a day harrassing me and my cosigner demanding that we pay the {$1300.00} now. Navient also had my address incorrect and i never recieve any documentation about my loans in the mail. I have verified with them repeatedly my address and someone always tells me that they have it updated and it never is when i call. it makes me think that if they can not get something as simple as my address correct, how can i possibly trust them with caring for my account. I 'm completely disgusted with the way that Navient handles business. something needs to be done and they need to help borrowers who are unable to make their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NM).
Issue: Other transaction issues

Complaint: Sold a car. Buyer deposited XXXX into my Paypal account then on delivery and acceptance deposited {$9500.00} on Sunday XXXX XXXX, 2016. On Monday at XXXX ; XXXX XXXX. I transfered the total, {$9900.00} to my bank account. Three days and six hours later nothing is transfered. My bank says " as soon as we have your transfer we will put it in your account normally XXXX to five days '' I asked why XXXX five days and my bank says they do n't know. Pay pal says the have sent the fund to the Federal Reserve where it will be processed and sent on to my bank normally XXXX to 5 days. I asked why XXXX to 5 days and Paypal says the do n't know probably a Federal Reserve policy. I ask why XXXX to 5 days when XXXX XXXX can do it in XXXX to 4 hours? I suggest that I should have suggested a XXXX Bus as it would be faster than XXXX to 5 days. Federal Reserve that they receive a " file '' of transfers from Paypal with instructions for the Federal Reserve to not release the funds for two days. 
Questions. Is Paypal making very short term loans like the overnight bank loans with my money? Why the two days at the Fed? The Fed says they process the transfers four times a day seven days a week. that is Paypal doing with the other two days?

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Checking or savings account (Other banking product or service) with BB&T CORPORATION (NC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: BB & T has taken over {$15000.00} in overdraft and NSF fees due to them taking credits out of my account then processing debits then putting my credits back into the account minus the fees they charge. This is being done daily to my business account. I have screenshots of this activity and will be happy to share them with the appropriate people. I tried to talk to the local personal banker at my bank but he said " I should do a better job managing my account ''. I want the funds back that they have stolen from my company and for them to stop this illegal activity. I will seek legal action if this does not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Account XXXX Has sent me a demand letter for a debt they purchased from Citi Bank ( South Dekota ) NA from XXXX XXXX XXXX.The credit card was issued XX/XX/XXXX and last used in XX/XX/XXXX. This debt was discharged in US Bankruptcy Court in XX/XX/XXXX also California State law statue is 4 years on debt collection I demand XXXX XXXX XXXX XXXX. cease and desist any and all collections of {$510.00} from me Thank You XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been making a payment with Navient from XX/XX/2009 to XX/XX/XXXX. I have paid over {$22000.00} and My balance has only decreased {$6000.00}. I have to sit on a call with a Navient Representative for over a hour for them to tell me all of my expenses. Once this call is complete I they tell me well your payments are going to go up. I tell them every year I ca n't pay this amount. They tell me that I took the loan out so I have no other Choice.I told them when I took the loans out I was under the impression that I could consolidate my loans now I ca n't Private loans do n't qualify. I cry every night because it 's a nightmare. They want provide me the paper work that I am signing up. I give them dates o take the payment out and its never the same.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My current lender, Great Lakes, told me that the loans I 've had for almost 20 years ca n't be considered for REPAYE status. I kept getting bounced back and forth between Great Lakes and StudentLoan.gov without getting anything resolved. Great Lakes says I can sign up for REPAYE but the clock will be XXXX and only by XX/XX/XXXX will I qualify for REPAYE! Really?? I 've been paying on these loans since XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Deceptive practices and current lawsuit University XXXX XXXX recruiting of military personnel and veterans.deceptive practices and current lawsuit. Grossly mislead and taken advantage of as a XXXX Veteran. I 'm currently involved in a Class Action Lawsuit against University XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgue with bank of america I over paid my escrol account and am due a refund but am behind on my loan so they will not give me my money I asked to have the money applyed to my loan to help bring it curent and they wount do it they told me they have to send it to me but they wount because I am behind

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (FL).
Issue: Struggling to pay your loan

Complaint: I contacted CashNet USA to request a 60-day Grace Period Deferment on XX/XX/XXXX. Was notified that I should respond to an email regarding the proper procedures and to have all requirements documents submitted by XX/XX/XXXX. I faxed in my signed agreement and forwarded an email ( 4 separate times on XX/XX/XXXX and 2 more time on XX/XX/XXXX ) from the credit reporting agency to CashNet USA onXX/XX/XXXX. Despite having submitted my forms by their due date, CashNet submitted my loan repayment in XX/XX/XXXX causing my checking account to reflect a negative balance, including overdraft fees. I contacted CashNet on XX/XX/XXXX and was given various reasons as to why the repayment was submitted then was told I will be contacted within 24 hours after reviewing the recorded conversation with the representative from XX/XX/XXXX. No one reached out to me in any way. I called CashNet again on XX/XX/XXXX to follow up with them. After being placed on hold several times, I was informed that the repayment was already submitted to my bank and there was nothing they could do. This was after they found that my deferment should have been granted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I sent Transunion a letter raising multiple issues. I included all the ID copies their web site said to. They sent me a letter saying my ID was incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2015 about Credit card () with DISCOVER BANK (CT).
Issue: Credit line increase/decrease

Complaint: After paying off my account balance with Discover recently, they chose to lower my credit line to XXXX from XXXX. They cited recent credit items as the reason for the decrease, most of my accounts are paid off recently. If anything, my credit line should have gone up due to my score going higher.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There was a collection account with  XXXX   XXXX  ,  XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611  Procedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) N otice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation