milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Student loan (Private student loan) with SLM CORPORATION (OH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The original Loan ( XXXX ) in XX/XX/XXXX was for disbursement from Salie Mae was {$10000.00} with a 9.25 % interest rate deferred until leaving school. 
The pymts began in XX/XX/XXXX & since the interest rate has increased to 10 % & the amount went from {$130.00} to {$140.00} with a current balance of {$10000.00} as of XX/XX/XXXX The 2nd loan ( XXXX ) was for {$7600.00} in XX/XX/XXXX with a 9.625 % also deferred. 
The current balance is {$7500.00}. The pymts began in XX/XX/XXXX at {$93.00}. The interest rate is now 9.875 % with pymts of {$98.00} The 3rd loan ( XXXX ) was in XX/XX/XXXX from Salie Mae for {$4000.00} with a 7.25 % also deferred. The current balance is {$3200.00}. The pymts began in XX/XX/XXXX were at {$50.00}. The interest is now 8.25 % with pymts at {$51.00}. 

As you can see no matter how I try the interest & pymts go up & the balance hardly decreases. When Salie Mae was contacted I was told that this is what I needed to pay & they would not change anything. Additionally the interest rates would continue to increase so I would owe more. 

This is a co-signed loan. I am XXXX XXXX 's Grandmother so it is becoming increasingly difficult to pay. He is still only at entry level at the job he has from his education & it is difficult for him to pay rent etc & give me money for the loans. 

I do not understand how they can continue to increase % 's as I pay each month. I asked the criteria about that & got nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I XXXX contacting you concerning an account Chase have sold to this collection agency named XXXX in XXXX CA Account # is XXXX and case # XXXX Chase had sold this account in XX/XX/XXXX before their settlement with the attorney general , US Consumer Financial Protection Bureau and the office of Comptroller of the Currency on XX/XX/XXXX. 
It appears that Chase was selling customers ' debt to collection agency as much as possible before the settlement. 
In XXXX/XXXX, when the real estate market crashed, my husband and I both lost our jobs. 
We used all our reserves to make our mortgage payments to Chase. Eventually we had to use my Washington mutual/chase credit card to keep up with the ADJUSTABLE RATE MORTGAGE. 
We tried many other jobs to keep up with our payments but were not able to make enough to cover our credit cards and mortgage payments. Sadly, we were default on our mortgage and credit cards payments. 
After many years of struggling with getting a loan modification, CHASE FINALLY GAVE US A MODIFICATION. NOW, we do n't have any problems making our mortgage payments and are never late since the modification. 
Unfortunately we are not able to make any credit cards payments. Chase have sold this credit card debt to XXXX before the settlement ( as mention above ) who had previously levy our bank account in XX/XX/XXXX and taken money that were used for our living expenses such as groceries, and utilities bills. 
Now, again this Collection agency is levying our account. The problem is, due my serious XXXX I am not able to work. My husband income is the only income we have and its only enough to cover our mortgage payments and living expenses. I am only added to MY HUSBAND account to manage the household bills. i can not afford to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputed this account too many time, and nothing happened every time I call the credit bureau they say there is nothing they can do it about it, XXXX XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX XXXX XXXX NA # XXXX this account do n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for the amount of {$270000.00}. The loan was evidenced by a Security Deed, naming XXXX as the " Lender, '' and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as the " grantee, '' or beneficiary, of record acting solely as nominee for same. On or about XXXX XXXX, XXXX, after it was alleged that I had defaulted on my loan Account, was assigned to Deutsch Bank Trust Company Americas. In an attempt to save my home, I 've made various efforts to get an affordable loan modification from Deutsch Bank. All attempts, however, were unsuccessful. It appears that they refuse to give me a reasonable workout option and is bent on taking my home. Because I questioned Deutsch Bank 's servicing of my loan and how credits had been applied and whether or not my loan account is actually in default, on XXXX XXXX, XXXX I forwarded to Deutsch Bank a Qualified Written Requests ( QWRs ) requesting that Deutsch Bank provide, inter alia, me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. Also, my QWR stated that it was my belief that my loan account has been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account. Deutsch Bank, however, did not respond to my QWR, took no responsive action and undertook no investigation into the issues raised by my QWR. 
The only way to ensure the integrity of my loan and whether my account has been properly credited is for Deutsch Bank to produce a verified accounting in compliance with RESPA 2605 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: I previously contacted your agency on XXXX XXXX, 2015 regarding my loan with Credit Acceptance Corporation ( CAC ). At that time, you accepted CAC 's response that they had tried and failed to contact me with an explanation of the money that was supposedly due them. You were given false information as I have not received any phone calls or written correspondence from CAC with any information. In fact, I have called CAC numerous times to try to straighten this out only to be transferred from person to person ( who could n't answer my questions ) and be falsely told that someone would be call me back with answers. To date, as I stated above, no one has contacted me. Because of this lack of communication on CAC 's part, my truck was re-possessed this morning. I think the way this matter was handled by CAC has been unfair, unlawful and unethical. I will be attaching a spread sheet showing what was due and what was paid as well as a copy of my initial complaint to you. I need to get to the bottom of this as when they took my truck, my daughter 's purse was in the truck which contained her driver 's license and her social security card as well as those of her minor children. As she is a school bus driver, she can not work without her driver 's license. This situation has gotten out of hand, please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: XX/XX/XXXX at XXXX XXXX Coinbase sent a message that they were restricted my ability to Buy & Sell Bitcoin because they say I was reselling of digital currency via other services. 

XX/XX/XXXX XXXX I opened a support ticket [ Case ID : XXXX ] requesting my limits to be restored since I have never resold digital currency via other services. 

XX/XX/XXXX XXXX I downloaded a full history of my transactions that contains questionable transactions that do not belong to my account and attached for report to the support ticket. 

XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved. 

XX/XX/XXXX XXXX Received a message that my limits have been increased but the Coinbase system does not reflect the change. I updated the support ticket with this confusing message from Coinbase. 

XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved. 
Also direct messaged XXXX XXXX on XXXX Also private messages XXXX on XXXX XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am the co signer on this loan. My daughter applied for this loan over 8years ago. We were told that as long as she paid this loan with problems for two years that she could assume this responsibility on her. After her graduation with her masters she had tried to consolidate her loans and wanted to include this with it. They told her she could not consolidate this into it nor could she drop her co signer. This was the lie that was told to us. Since then she has maintain good credit and has bought a house etc. and have been a responsible person with her credit. I have tried several times to remove my name from this loan for XXXX. As a co signer they will not give me any information and they finally said they will not let my daughter XXXX XXXX go out on her own. Please advise us as to how I can get my name removed from this debt. Or why and how can she consolidate this into her other student loan debt. Thank you, XXXX ( School is XXXX XXXX XXXX ) in XXXX NC.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX debt is over 7 years old. The debt is paid off as it was consolidated. There has been no data reported since 2012. I have repeatedly informed the credit bureaus of this and it should no longer be showing on my credit report and I wish for it to be removed. They refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with Experian Information Solutions Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is pertaining to a violation of the Fair Credit Act. We have contacted Experian providing them with Cease and desist letters and informing them of fraudulent accounts. I would like to file a formal complaint of their non compliance. They updated the accounts you see below as accurate with out providing us origination documents to support their verification efforts there fore we are requesting removal of these accounts. 

Disputed accounts include ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 non-monetary relief
Consumer complaint received 05/22/2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Sps will not send me valuable information that I 've requested thet keep giving me the run around please help me save my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX   purchased auto part from  XXXX  for  XXXX  Part did not match website description  XXXX   XXXX   XXXX  from merchant  XXXX  Returned to merchant and signed for via  XXXX   XXXX   XXXX  email support @   XXXX    asking about refund, no response  XXXX  Opened dispute with bank  XXXX  Closed after vendor promised refund  XXXX  Refund never issued, Re-activated claim  XXXX  followed up with bofa, refused to provide information on how to proceed

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 03/27/2018 about Debt collection (Credit card debt) with Hunter Warfield, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent out validation letter asking them to validate al the information I asked for in my letter.They sent back a copy of a computer generated printout, that does not in no way abide in accordance with the fdpca. 

They will not properly validate the debt..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from XXXX XXXX XXXX around XX/XX/XXXX. The person on the phone said I had a XXXX XXXX Card debt of {$890.00} dollars and the card was associated with XXXX XXXX, my employer. I used my XXXX card for making travel reservations to XXXX XXXX prior to XX/XX/XXXX. The card was issued by Bank of America. I went on medical XXXX leave on XX/XX/XXXX due to a personal injury I suffered on that day. I cancelled the reservations within 10 days of my injury to avoid paying any penalties for not using the services paid for with the XXXX card. Sometime after my injury, my employer switched from Bank of America to another issuer, who I guess is XXXX XXXX. I never opened an account with the new issuer since I was on medical leave and told by my employer to not engage in any employee related work efforts. Hence, I never knew of any charges to the XXXX card. 
When XXXX XXXX XXXX called me about a debt for {$890.00}, I was mystified about it. I told them I would check into it. I checked my last known XXXX account, from Bank Of America, I owe them nothing. I think this charge of {$890.00} is a false charge.

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 12/30/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: My husband and I are having trouble understanding why did our mortgage company decided to extend our terms of our loan without our authorization. We did not know this until we realized that our payoff amount was too much! Wells Fargo Home Mortgage used a routine but, little notice form to sneak through mortgage modifications on unsuspecting homeowners. Our original loan was XXXX dollars and now its XXXX dollars plus escrow is XXXX as well as almost another XXXX to pay off our loan. That 's double the amount of the original loan. They modified the loan years ago and they did it to benefit from adding more years to the payoff time to get extra interest income generated by longer home loans. They asked us to pay three payments for a permanent loan modification, but that did n't happen.They foreclosed on our home and had a sale date. We had to file a chapter XXXX to save the home because our lender would not give us any options because they, said we owed too much on the loan. They are the reason why we owe this much! the HAMP program is being used by this company and others to collect cash from the government and to eventually foreclose on peoples houses, and make it harder to recover. I need them to explain the hidden fees, and I believe that they have set us up to fail, and that we are worse off than before. I want them to try to find a workout plan for us, who have fallen onto hardships and had a XXXX in the family, as well as loss of income do to XXXX. They are not helping people, but making money from the hardships of homeowners. They make {$1500.00} per modified mortgages that eventually ends up in bankruptcy. We are in bankruptcy now, but the payoff is not correct. They are not using the HAMP money in the right way.. Wells Fargo Home Mortgage is ripping home owners off, and the people who regulate them are not doing a good job of protecting the homeowners. We bailed the big banks out, but who is bailing us out! They are getting rich off the backs of poor and middle class people. Why do we have to fill out stacks of paper exposing our privacy, but the banks hold back everything that they do n't want the public to know. If we just ask the government to help us to help ourselves, its a handout! That was our tax dollars that we work for. When will we get our American dream? Suing these companies is n't enough, because the lawyers are going to get all of the money. We need to stop giving them money to do their jobs. They should not be paid to do the right thing. Why is the government paying them to help struggling homeowners to keep their homes.If we stay on this path, the country will stop believing in the American dream.Banks used to be the very thing that we could count on, and now they are the only ones getting bail out! Thank you,

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 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter to Experian in XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. Over three months have passed, and they have yet to respond.

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 01/21/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: NATIONAL CREDIT SYSTEMS #XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX


National Credit Systems has 2 erroneous debts on my credit report for XXXX  XXXX.

NATIONAL CREDIT SYSTEMS #XXXX placed for collection: XX/XX/XXXX Balance: $XXXX and Placed for collection: XX/XX/XXXX Balance: $XXXX XX/XX/XXXX.

XXXX  Credit report shows false debt has been disputed by me:

Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX

National is aware this is a false debt as I currently reside at XXXX XXXX, my lease has been renewed each year in my name since XX/XX/XXXX, because I paid all my debt to XXXX XXXX

National Credit Systems is aware of this fact as they just mailed me a letter to my current residence at XXXX XXXX.

I have provided a copy of my account ledger, which illustrates, I am still a XXXX XXXX tenant and my account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: APR or interest rate

Complaint: I signed up for a Barclaycard credit card with a promotional offer of XXXX % interest for XXXX months on purchases and balance transfers. I did a balance transfer when I opened the account, on my first statement I noticed I was being charged XXXX % interest rate. I called on XX/XX/XXXX and spoke to a representative and got a case # XXXX, they took my information and told me my account would be adjusted to XXXX % interest for XXXX months and credited for interest accrued. Follow up emails to Barclaycard have replied back with conflicting information regarding my case and when it was started, with no resolution or date to resolve of this issue.

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 09-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My XXXX XXXX XXXX XXXX was used by someone I do not know to purchase airline tickets. After sending in an affidavit stating that this was an unauthorized charge, the company rejected my fraud claim.

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