milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to obtain a modification of my current mortgage for 4 years. Please see # XXXX. Bank of America recently responded with letter that has inaccurate information. This has been their pattern for 4 years. I am under the impression the Making Home Affordable program can help me reduce my payment to 31 % ( or less ) of my gross income. My payment ( principal + interest + tax + insurance ) is currently {$2000.00}. I have asked many times for a MODIFICATION to a fixed rate loan. I am currently on an adjustable rate loan. In Bank of America 's recent communication copied to CFPB, the letter states I requesed a REFINANCE. That is not true. Had Bank of America modified my loan 4 years ago, my payment would have been reduced approximately {$400.00} per month, but they have drug this out as my income has slowly increased and reducing my payment now would only result in a reduction of a few dollars - my ask is that this be done and that I be on a fixed rate loan, not an adjustable rate loan that can increase beyond my ability to pay. I have not asked for my principal to be reduced, only that my loan be modified to a fixed rate with a payment less than 31 % of my income. Delays in inaccurate calculations over the last 4 years do not seem reasonable or legal to me. I am current on my payments but fear the next increase will push the payment beyond my means.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02/19/2017 about Payday loan () with Crow Creek Sioux Tribe (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$1200.00}. to help with funeral expenses for my mother. I was not informed of the 600 % plus interest rate on the loan. To date they have deducted {$2100.00} from my account and seek a repayment amount of {$7200.00} on a {$1200.00} loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. I was emailed a disclosure to sign and that my signature would transfer to the loan agreement upon signing. I was able view the agreement with my signature after the funds were in my acct. I 've attempted to pay the full balance but was quoted an even larger immediate payoff than discussed. I later discovered that Myloansite.com is an affiliate of Dakota which operates its website at [ myloansite.com ]. Dakota 's lists its contact information as : MyLoanSite.com XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone : XXXX Email : XXXX XXXXXXXXXXXX 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 06-01-2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX  o f 2016, I tu rned in a lease with a  Honda dealer. The financing was done through American Honda Financing, and at the end of the lease, I released with Honda. At the time of this transfer, I was told that my two remaining payments on my old lease would be covered and I would not be responsible for this.       When I received a bill from Honda Finance with the end of lease balance, these two monthly payments were included on the bill. Instead of paying this, I tried to communicate my concerns with the dealership and with Honda Finance, but to no avail. They kept threatening that this would be reported as significant late payments on my credit, and kept trying to get me on a payment plan. I ended up making a significant payment with them and setting up a payment plan for the rest in the hope I would get it resolved before the next payment. I did not resolve the issue with them ever, as they kept giving me the runaround every time I called. I ended up paying off the balance in a settlement and the account was closed.      While this entire process was extremely draining, and I was very frustrated with the process and the outcome, the next issue involves their willingness to make any adjustments on my credit.     I went to apply for a home mortgage, and the lender told me these late payments were significantly  affecting my credit, as there was multiple occurrences of 30,60,90 days late while I was trying to work this out with Honda. I called Honda to try to resolve the issue and have them work with me on correcting these late payments on my credit report. Because I paid the balance and admitted this debt to b e mine, they would not adjust their report to the credit bureaus, as they took zero responsibility for this situation.     Their escalation specialists would not even put me through to  a manager, and I  had to call the next day and ask someone different to get me to their  manager.      He called me later that day, and while he asked me to explain what was going on, he became very rude in the end and told me while they did have the ability to adjust this on my credit, he had made his decision and would not be moving forward. There was a complete lack of respect for a borrower who has been with them for 7 years. Credit reports have significant impacts on people 's daily lives, and because they were not willing to relieve the simple late payment history on a one-time occurrence, they are hindering my ability to work on repairing my credit in order to purchase a home. I feel very trapped and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient worker XXXX and his manager where very rude to me, try to threaten and force me to make a payment based off the fact they offered me a plan. I explained I could not afford it, and the manager said since you declined my offer I 'm going to note it and we will have you account turned over. He went on to say how is it there your paying your other bills but you ca n't afford to pay us. We are a private loan we do n't have to work with you are offer you anything.He then went on to say I 'm going to call your co-signer now which is my father, using my number as If I was actually calling him, the manager attempted to call my dad. He returned and said he left a message and that we both need to get money together and pay. If I had any kind of work I should know the day I should be paid and I can just pay them then, I asked if I could defer my payment he never answered my question but continued to be rude and say I had no other option but to tell him a date and he could take the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My wife and I both have Student Loans serviced by Fedloan Servicing ( XXXX, PA XXXX ) under the Public Service Loan Forgiveness ( PSLF ) program. We resubmitted our " Revised Pay As You Earn '' income-driven repayment plan. Fedloan Servicing made errors recalculating this payment resulting in our family being billed for a total of $ XXXX/month rather than the $ XXXX/month which it should be. We have been trying to get it fixed since XX/XX/2016. We have been making the higher payments to ensure our monthly payments keep us eligible for the PSLF. Today we spoke with XXXX, ID # XXXX, and she informed us that there was human error in our payments and we have been making payments higher than required since last summer. She said she is currently working on fixing our payment for next month. We asked her if the over-payments we have made can be refunded or applied to future payments. She stated this is not possible and if there is an issue with our payments we should have not payed our monthly bill. This seems outrageous to me since one of the rules for the PSLF program is to make your payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: According to Equifax they confirmed that I have the debts from a XXXX XXXX in XXXX, Texas and that is not true at all. I do not know where and what it is. I am XXXX and have been treated by either VA hospital in XXXX or VA clinic in XXXX. Who ever made claim is incorrect. 
The time frame that the charges at XXXX were done I was NOT in area!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In  XXXX     2017 I  talked to a customer service rep at Navient concerning a rate reduction plan payment plan. He advised me that I only had to pay {$170.00} a month for 15 months. So I set up a recurring payment plan with them so that they could take it off of my card on the  XXXX  of every month. I even received a letter stating the payment amount and confirmed it. I got a call today   XXXX /2017  saying that I have to pay  XXXX  a month and I told them that i was told another amount and they said the representative had given me the wrong information and I was like I should not have to suffer because of that error. That was a big error on their behalf. I think it is not fair and I think that I should not have to pay that high amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I had a credit card issued by Citi. According to Citi statement for the billing period XXXX/XXXX/2015 XX/XX/2015, they received my last payment ( {$4600.00} ) on XXXX/XXXX/2015. This was the total unpaid balance on my account on the day I paid. The statement for the billing period showed an unpaid balance of {$51.00}. After receiving this statement, I called Citi to close my account. I requested the person ( a female ) who closed my account to send me a letter explaining how they come up with {$51.00}. She told me that she can cancel this {$51.00} if I keep the account rather than closing it. I told her that I do not need this account anymore and willing to pay the amount. My only curiosity was to find out how they came up with {$51.00} while they received my full account balance of {$4600.00} on XXXX/XXXX/2015. She agreed to do that. While I am waiting a letter from Citi, I received a Citi statement in my email. To my surprise, this time the amount is {$77.00} ( {$25.00} penalty for not paying on time ). So I called Citi again. I again placed the same request as before to the person I talked to ( a male ). He agreed with me that he will send what I requested. Today, XXXX/XXXX/2015 I received by mail nothing but normal monthly statements ( past three months ) that are accessible to me online. I am pretty sure, they will send another statement claiming an unpaid amount of at least {$100.00}. I believe, as a borrower, I have the right to know how interests are calculated. Now it seems that Citi people, for some reason, do n't want to do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I am a victim of identity theft. I have been living overseas for the past two years. When I returned home this month I attempted to open a domestic checking account and found that I could not because a Bank of America account had been opened in my name without my knowledge. I did not open this account nor did I live at this address this company has on file.

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 10/19/2015 about Credit reporting () with Southwest Credit Systems, L.P. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: wrong information on credit my credit report and they know it and will not remove it southwest credit systems credit reference number is XXXX and the creditor account number is XXXX this belong to a XXXX XXXX at XXXX XXXX XXXX XXXX maryland XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX will you please help me get his bill off of my credit report XXXX and south west has said this is not my bill

Company response to consumer: Closed
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i have seen my credit score went down, then i went to XXXX XXXX app, there i saw my credit score went down about 10 points, then i saw an account is open under my name, and without my permission the company name capital one added account under my name, i have never ever given my social security number, anywhere to request for an account, and i called the company capital one right away, and requested the account to be close immediately, because it was there mistake, now i would like to increase my credit score which went down 10 points. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XXXX XXXX 2017, I applied for the citibusiness aadvantage credit card based on an advertisement from citibank that I would receive XXXX XXXX XXXX miles once I spent {$3000.00} on the card within 90 days. I was approved for the card but upon calling to activate the card I was informed that I did not qualify for the promotion because I had the same card product within the last two years. This is not true ( I have not had the card in the last 2 years ) and this fact was confirmed by the representative on the line who looked at my card history with Citibank. I was told that a request would be submitted to the promotions department but since then, after five separate calls ( speaking with, among others, XXXX, XXXX, and XXXX ( XXXX ) Citi has not been able to provide me with any evidence that I have ever had a card with Citi in the last two years that would disqualify me from this promotion. I believe that Citibank should honor this promotion and extend the qualification period so that I have the full 90 days to spend the required {$3000.00} on the card.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Opened new credit card for my son, XXXX/XXXX/XXXX, Equifax credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the XXXX account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the XXXX Checking account, therefore zero reason not to pay other than XXXX illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. XXXX did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have already submitted a complaint against PHH. It seemed to be worked out but after a letter, which I will attach, from PHH saying they are honoring our loan modification they have refused our XX/XX/XXXX payment which is the first payment after the 3 trial payments which were all made on time and cashed, the first trial payment was to XXXX due XXXX XXXX made on time and cashed by XXXX, XXXX XXXX XXXX 2016 and XXXX XXXX XXXX trial payments to PHH made on time and cashed by PHH on time. I am attaching proof of the trial payments. PHH sent back our XX/XX/XXXX payment and sent a letter of Defaut and Accelerate Forclosure Notice. I am attaching the letter refusing our XX/XX/XXXX payment. This is very distressing to say the least. I have called PHH XXXX XXXX Liason office of the President XXXX ext. XXXXand she stated there must have been a mistake and she would check into it. I have not had a response and have called back and left a message to call me. The check was refused by XXXX XXXX XXXX ext. 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 10/23/2016 about Student loan (Non-federal student loan) with Convergent Resources, Inc. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was contacted on XX/XX/2016 by Convergent Outsourcing Inc regarding outstanding student loans for my daughter. I am a co-signer on the private student loans. Prior to this phone call I had not been notified of the status of her loans. The debt collection company has sent me 2 letters via email stating if I pay a total of {$15000.00} the XXXX loans will be considered settled. I was given a deadline of XXXX to make the payment otherwise the offer will expire. I would like to validate this is not a scam. I am not sure how to go about determining this is not a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Cooper Hoffman Klein Associates (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Continuous calls from Cooper Hauffman & Klein. I have been ignoring their calls for months after my request for a debt validation letter was ignored. They continue to call and harass me multiple times per day. They use foul language, threatening tactics and will not stop despite my verbal request that all communication be by postal mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (Medical) with Walwick, Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to accounts you 're reporting to on my credit reports Please be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer-reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports XXXX is a clear violation of Public Law XXXX ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-05-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Delinquent account

Complaint: In 2011, I had a Visa Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.

Company response to consumer: Closed with explanation