milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I received a call today from a XXXX XXXX with the XXXX debt relief firm telling me about student loan forgiveness and then telling me I needed to pay either XXXX in XXXX monthly payments or pay XXXX in XXXX payment to be enrolled in this program. They even went as far as having navient call me and verify information. I felt uneasy about this whole process and was then threatened with the garnishing my pay. The lady with navient gave me an id number of XXXX. XXXX got upset with me when I got upset over the money they wanted to enroll me. They are saying they are with the us XXXX XXXX XXXX I ca n't make the loan payments and was I thought in forbearance and was informed that ended in XXXX of XXXX and I was n't even aware of it. I feel like I should n't have to pay for something I went online and applied for myself. Also the phone number XXXX XXXX called me from was from XXXX XXXX that made me leary to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with I.C. System, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My complaint is with I.C System who is trying to collect on a XXXX XXXX account from XX/XX/2014. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to my credit report

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do n't recognize inquiries on all  XXXX  credit burea I filed on  XXXX   XXXX  and  XXXX   XXXX  have not applied for anything on fix income spoke with all  XXXX  bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best  XXXX  bless 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 explanation
Consumer complaint received 03-10-2017 about Debt collection (Credit card) with Alliance Data Card Services (PR).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: During XXXX XXXX, 2017 at XXXX ( late ) I received a threatening call from Pay Pal services regarding a credit Line that I owe with them. The guy sarcastically laugh after I complained about the calling hour. Also he constantly asked about my name and when I ask who is he representing, he hung up. I found out that is was pay pal when I call back the to that number in the morning. I also include a print screen of the phone call that contains the hour, date and specifies that is was a call received.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I was selling my car on XXXX. A potential buyer contacted me via text, followed by a phone call where we closed the deal at XXXX. It was for a 1969 XXXX XXXX. Buyer sent me a check telling me to wait for funds to clear before shipping the car. A few days later all my accounts are closed and assets frozen. Since then this has been damning. I cant open a regular checking account anywhere. Im not a check expert or fraud expert. I was selling my pride and joy just to get taken for a ride myself. Luckily the check bounced before I shipped my car but nonetheless Im stuck holding the bag as if im the criminal. This is not fair, and is taking a huge toll on my life. Please help. 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 08/26/2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named XXXX. XXXX. I disputed this debt and recieved the following from XXXX. 

XX/XX/XXXX Completed XXXX XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. 
Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to AFNI, Inc. phone number XXXX two days after the completion of this report on XX/XX/XXXX. AFNI , Inc. has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I never finished the program and never received a refund. I am on an income based repayment plan and it still showing on my credit.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I checked my credit report and saw that Navient ( originally XXXX XXXX ) is still reporting as a late payment every month. This account was charged off years ago. So I sent them a letter asking for proof of the account with documents showing my original signature. Never got response. I took it to the credit bureaus which I also filed investigations in each one of the bureaus.The 30 day timespan had lapsed and still no answer or resolution. I again called the bureaus and was told by two of them that the account was re-aged to XX/XX/XXXX? Again another letter to Navient asking to show proof of where I made transaction with them and why the account was re-aged? The only correspondence I received was a letter stating if I paid {$5800.00} they would report the account closed. I ca n't afford that, and this was after the 7 year time span of them reporting on my credit reports. Just last month I called the XXXX office to see what could be done and they said nothing because now the account shows XX/XX/XXXX. I was also told that the co-signer that I had listed would fall off after 6 months but NO they still are harassing her. This account is 12 years old now, I was never sued for it and the first time it was re-aged was 3 months prior to 7 years. This is not fair and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Problems caused by my funds being low

Complaint: Chase bank is charging excessive fees in excess of XXXX dollars for a single negative account incident. They have been maximizing fees by reordering transactions and approving transactions to charge fees and then denying them later so they may charge another fee. Fees charged to this extent are unconscionable and entrapping. If I do not get relief from these fees I may be forced to file bankruptcy because it is impossible, on a fixed income, to get out from underneath a bank that is charging me over XXXX dollars for credit at an egregious rate and charging fees for credit they never even extended. I requested that they do not process transactions against my account when it is negative the last time they charged me over XXXX dollars in fees. I do not understand why after litigation with XXXX XXXX and XXXX XXXX XXXX the rules have not been changed and these deceptive contracts of adhesion are allowed to continue. I should not be able to say honestly that borrowing money from a criminal loan-shark would have been a cheaper and less financially dangerous choice than the legal contract I have been bound to, without even having to provide voluntary consent, which according to chase allows for this type of highway robbery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problems caused by my funds being low

Complaint: For a second time, Suntrust bank has decided arbitrarily when to consider charges 'posted ' and by doing so overnight, charged their litany of fees simply because I did not have time to transfer money to cover it between the hours of XXXX and XXXX. Clearly their intent is to grab as much money as possible, but I will not stand for this theft. They need to either make their posting times consistent ( and have a way to see ALL pending charges ) or they need to cut these ludicrous fees which help no one but their own bottom line. 
Additionally, they charge a fee for transferring money from a savings account to cover overdraft ... which consequently leads to a greater overdraft and further fees. This is intentionally convoluted and complex so that customers do not have an opportunity to avoid these charges.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I mailed a certified dispute letter to XXXX XXXX requesting validation of the account being reported by Transunion, XXXX, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.

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 11/16/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I am a victim of Mortgage Loan Fraud at the hands of Countrywide Home loans as lender and Bank of America as Servicer. Bank of America is guilty of trying to steal my home via a home loan modification. They have broken XXXX Federal laws under RESPA Servicing Rules under RESPA XXXX and Prohibiting Unfair, Deceptive or Abusive Acts or Practices XXXX and Loss Mitigation Procedures, Deficient Acknowledgment XXXX XXXX XXXX XXXX. Instead of acknowledging my request for help, they fraudulently and unlawfully obtained a summary judgment through XXXX XXXX, FL Court to get a sale date on my home. The sale date was cancelled, however, the summary judgment still stands. Through my own research, I have also discovered that Bank of America is guilty of Fraud, Fraudulent Misrepresentation, and Misconduct. The purported assignment of mortgage which was executed three ( 3 ) years after I purchased the " property '', and six ( 6 ) years after the Bank XXXX as Trustee for the Certificate Holder 's XXXX, XXXX XXXX XXXX Certificates, XXXX XXXX trust was closed. This is a violation of the Pooling and Servicing Agreement as by law the securitization process of the " note '' must be completed within 90 days and before the trust closes. " Borrowers have standing to challenge void assignments of their loans, even if they were not a party to or a beneficiary of the assignment affecting real estate contracts ''. XXXX v Bank of America, XXXX al. 
The notary ( XXXX XXXX XXXX XXXX signature on this assignment is forged ( robo-signed ) which is a felony and renders the assignment of mortgage invalid with a clear break in the chain of title. My injuries are a direct result of the invalid mortgage assignment which also renders the loan modification agreement between myself and Bank of America dated XXXX XXXX, 2012 void. There was no " loan '' to modify in the first place. According to Title XLI XXXX, Fraudulent loans are void. 
Bank of America is also guilty of criminal deception by executing a purported mortgage assignment that is in fact invalid and always was invalid and recorded such with the Florida XXXX XXXX XXXX on XXXX XXXX, 2012. According to Florida Statute XXXX XXXX XXXX XXXX it is ' Unlawful to file false documents or records against real or personal property '.

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 02/14/2017 about Consumer Loan (Installment loan) with LENDING CLUB CORP (MN).
Issue: Managing the loan or lease

Complaint: I do n't understand why other loans with a due date are paid early the due date advances to the next month because I paid the payment before the due date yes it 's early but it was paid and advances the due date. I personally think it 's unfair that a financial institution essentially force you to carry a loan it 's entire term, or make " extra payments '' that do n't count towards the monthly payment. I 'm just trying to save some interest but can not believe a lender is ok with opporating this way, and allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Checking or savings account (Checking account) with M&T BANK CORPORATION (MN).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I opened an account with XXXX XXXX and soon after there was issue with account and I can't use it. I was transferred from department to department.

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 09-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 I filed a claim with Bank of America because fraudulent charges in the amount of {$24000.00} were made to my Bank of America checking account. My claim was denied 4 times. The first time they said it was denied because I waited a month to report the fraud. But my bank imformation was stolen and the person who stole it made it so I would not be alerted of any of the transactions. Once I realized this Bank of America advised me to file a police report. Which I did with XXXX, XXXX Detective XXXX XXXX ( XXXX XXXXXXXXXXXX ) an arrest warrant was issued for the man XXXX XXXX who stole my funds. XXXX XXXX Is wanted in XXXX and XXXX for criminal impersonation and fraud, but BoA did n't seem to take that information into consideration. Once again BoA denied my claim because they said I checked my online banking statements. When it was XXXX who was checking them. The final time BoA denied my claim they told me they had records of a phone call stating I approved transactions made on my account. But they did not have voice recording proof. They also have several ATM videos of XXXX taking thousands of dollars out every day. They are not using that as evidence. I have been going back and forth with BoA since XX/XX/XXXX and they have been nothing but rude to me and treating me as though I am a criminal when I am the victim. On XX/XX/2016 BoA contacted me and said my claim was denied for the final time and I would not get my funds back unless XXXX XXXX was taken into custody.

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 01-05-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Several months ago I began pursuing a modification with DiTech Mortgage so I could keep my home. On XXXX/XXXX/XXXX I spoke with XXXX XXXX. He told me the documents they had recently requested had been received and nothing else was needed. I asked him if there was any other info I needed, he said 'no '. On XXXX/XXXX/XXXX I spoke with XXXX XXXX XXXX XXXX who told me there was a huge list of documents I needed as of XXXX/XXXX/XXXX, the very day I was told they had everything they needed. He also told me I had a sale date on my home for XXXX/XXXX/XXXX. I asked when the sale had been scheduled but he could n't tell me. I asked why I was n't informed of this on my call on XXXX/XXXX/XXXX. He did n't know that either. The same day, XXXX/XXXX/XXXX, I called back and spoke to XXXX XXXX who then told me that there was no sale date on the file and that XXXX XXXX ext XXXX was incorrect when he told me that my home would be sold on XXXX/XXXX/XXXX. Ditech is doing everything they can to steal my home without giving me a chance to get current. I 'm working with them in good faith, and they 're XXXX me around and driving me insane. They are either incompetent or liars, and either way their policies and my file should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Complaint against : Select Portfolio Services Address of Foreclosed Property XXXX XXXX XXXX XXXX, FL XXXX SPS Account Number XXXX ENCLOSURES : Verification Letter re : date of original delinquency/Chase Demand Letter to SPS Recently, I applied for a mortgage and was approved. The company in question, Select Portfolio Services ( SPS ) became the servicing agent for mortgage foreclosure that was filed in XXXX, and they took over servicing in XXXX. It is still being reported by them with a date of original delinquency of XXXX I contacted them to let them know that the date of original delinquency predated my dispute by over 7 years and must be deleted. Their response was essentially that it is the date of their last activity, not the date of original delinquency, that determines when the 7 year period begins to run, and that they will continue to report this delinquency until XXXX in direct violation of the FCRA. I sent them a letter demanding that they delete this entry but as of this date I have gotten no response. 
The loss of the home and other substantial assets, like a pension, a job, etc, were the direct result of the XXXX mortgage debacle. I have already suffered enough loss from that. I believe SOMEBODY has to have some relief for me instead of the banks. 
I contacted the original creditor, XXXX XXXX XXXX, to verify that the date of original delinquency is over 7 years. Their verification, which I believe is incorrect and I will further investigate, said the date of original delinquency is XXXX. It is my belief that there were several missed payments before that date. Assuming that to be true, any reference to this debt must be deleted in XXXX of XXXX. SPS has refused to acknowledge this and insists that it may report until XXXX. 

I had a mortgage in place a few days ago, but because of this entry, and the false record of the date of delinquency, the mortgage was declined at the last minute and I was unable to make the purchase. Disputes have been sent to reporting agencies and the response was the same. They believe the date is extended by the date they got the account. 
Another factor is that when the started servicing the loan, it was to be under the terms and conditions agreed to by XXXX. Part of that agreement was that XXXX would take a deed in lieu of foreclosure. SPS refused to do so and cause more damages because of the time it took to finally get the property out of my name. 

My concern is not only for my account. If they are following this procedure on all of their accounts, they are undoubtedly reporting countless accounts in error. This is not a clerical mistake. It is their policy and procedure, and it a clear violation of law. They need to stop, and they need to be sanctioned for each and every violation. 

I have enclosed documentation to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation