milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have XXXX loans that I borrowed from SallieMae to pay for my education at XXXX University. I signed up for a ten year plan with a fixed {$25.00} per loan monthly plan to decrease my interest for each loan ( a total of {$75.00} a month ). Unfortunately, after I had graduated I have no luck with a full-time job. My finances that I pay each month are medical ( XXXX supplies and visits ), car insurance, phone, food, and soon to be rent. I can barely afford these finances as it is and when I called Salliemae to see what the total for each month would be after my grace period, they had told me about {$700.00} ( not including the government loans ). I had tried XXXX times calling them seeing if I can lower the payment per month, and they provided no helpful answers. They told me the options I have are forbearance which would make my account a delinquent, and only XXXX of my XXXX loans qualified ( the smallest XXXX of course ) for their " graduate payment plan '' which only would bring it down about XXXX dollars. I told them that I am willing to pay a much higher interest for a lower monthly payment which they told me they do n't do. They had mentioned that I could use auto-debit which would decrease my interest by a " whopping '' .25 %. I told them each time I called -they each said the same thing- that I am not interested in lowering the interest but the monthly payments because I can not afford that payment each month. Each time I call I feel they ignore my plea for help on lowering it, even if it means I give them a lot more money in the long run.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Payday loan) with Check Security Associates, LLC (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: XXXX XXXX continues to call when asked to cease all collection attempts to my work number and he has crossed the line, threatening legal action, imprisonment, wage garnishment, asset collection, and credit reporting against me. He has also after speaking with me today, at my work as I told him I could not talk he called back I had my boss in the office and it is an unidentified number I assumed for work, when I answered he began the threats above and when I asked the amount he could n't give me a set amount I told him I contacted the owner of debt who said they do not have further information regarding the debt and will not provide it any further. He again called again, then when I again asked him for the XXXX time not to call my office or work, he called today, then when I told him I would rather it go to collections where I can deal with a claim in writing instead of giving them my money over the phone, he said so you are refusing to cooperate I said yes, he said we will contact our lawyers and it will cost you more, then he proceeded shortly after this to contact my mother at her place of employment, my father and my sister all ina matter of 1 hour with him stating he is a location service attempting to find me and collect a debt from me or they could settle it for me. this is crazy ... illegal and wrong to even continue this I can lose my job and how can he say I owe and contact family members who were never on my loan and give them false information that he is a location service? his contact number is XXXX x XXXX and it states they are an assets management service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have started refinance process with Bank of America in XX/XX/2017 whereas the sales agent promised me best rates and smooth process. As part of the process, they told me that they will carry out appraisal of my house and I need to pay upfront for it. I was not shared the amount that I need to pay for appraisal and was told that I will be refunded at the end when appraisal closes. I agreed to it as I didn't expect any issues in my loan process. During appraisal, an incorrect report came out which talks about an issue that I don't have in my home. I tried to explain to bank and appraisal company but they are not ready to correct the report resulting in my mortgage process going on hold. Bank has charged me for my appraisal fees but they didn't worked with appraisal company to correct the report even after I provided the reason for incorrectness of the report. My home ( in exactly same condition ) has gone through 3-4 appraisals before this appraisal but never such issue happened. I can provide more specifics when asked. 

I have also reached out to XXXX, CA to help me with issue in appraisal 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 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Some one opened a Fraudulent Credit Card account with Discover. I have mentioned to them several times that I did not apply for that card. I filed an Identity Theft Police Report, submitted it to them and to the Credit Bureaus but Discover still does not want to remove this from my Credit Histories. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Student loan (Private student loan) with SLM CORPORATION (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have been struggling to pay back my student loans - sallie mae/XXXX told me that outside of forebearance almost {$600.00} per month is the least I can pay and they do n't have other options. I have since ended up in default. That being said, as one would expect I receive calls everyday and even multiple times a day. Again all of which is expected. What I did not expect is that they have been calling random people that are possibly associated with me that I do n't even know where they got their information! Previously, they have called my mothers house but today they called an old friend who has no knowledge whatsoever of my finances, and left him a message too!! I ca n't believe they would do that! I want this to stop right away! I ca n't pay them because they wo n't even try to work with me and now they are harassing everyone! ****I am attaching a screenshot of my voicemail and a screenshot of the text from my friend so you can see the congruency of information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX XXXX XXXX contacted me disguised as a third-party under the name of " XXXX XXXX XXXX '' stating they had a court summons in hand and that they would be at my home and place of work in 24 to 48 hours to serve this summons. This is a violation of sections 806 and 807 of the Fair Debt Collection Practices Act. I have attached the voicemail as well, as evidence. If sound files are not allowed as attachments, I have attached a transcribed message of the original voicemail received on XXXX/XXXX/16 @ XXXX PST.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Despite several attempts to rectify the situation, first with XXXX XXXX, then with Navient once XXXX XXXX changed their name, Navient continues to apply my payments in such a way to maximize the interest payments and extend the length of my higher interest loans. I have XXXX loans. I try to pay more than the required payment each month. Navient continues to apply the extra payments on principal to the lowest interest loans, while applying minimal amounts of the extra payments to the higher interest loans. If the extra principal payments had been applied equally to all loans, or mostly to my higher interest loans, those higher interest loans would be close to paid off by now, if not already paid off. I even once sent in a {$20.00} extra payment on a separate check with specific instructions that the extra payment was to be applied to my higher interest Loan # XXXX. Navient applied it to my low interest loans instead. I would like to continue to make extra payments on principal, but Navient will not apply the extra payments to the loans I specify. My accounts are in good standing, and have never been in delinquency. I should be able to have these loans forgiven due to the amount of extra interest and payments I will have to continue making due to Navient 's ( and XXXX XXXX prior ) unethical and what I consider criminal behavior. They should be operating to legally minimize students ' interest payments -- not applying payments in a way to profit themselves at a detriment to the payee. This has been going on for close to 10 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 02/17/2016 about Mortgage (Home equity loan or line of credit) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have XXXX and XXXX mortgages with Navy Federal Credit Union which I have been paying late for over a year after I fell behind for several months in XX/XX/XXXX. I submitted borrower response packages in XX/XX/XXXX requesting modifications on XXXX mortgages. I was offered a modification on my XXXX mortgage on XXXX XXXX XXXX, but not on the XXXX mortgage. During the same time period Navy Federal asked me to submit another borrower response package for the same mortgages. I submitted another response package on XXXX XXXX. I called Navy Federal on XXXX XXXX and told them I was unsure of what was going on with the modification. I did not understand whether I needed to accept the modification offer on the second mortgage in XX/XX/XXXX or wait for them to finish reviewing the borrower response package I had just re-submitted for XXXX mortgages. I scheduled the payment for my XXXX mortgage on XXXX XXXX but I did not schedule a payment for the XXXX mortgage because it sounded like I should wait for a call on the borrower response package. On XXXX XXXX I was contacted and asked for more information for the borrower response package, which I provided. Navy Federal asked me for additional information on several more occasions up until XXXX XXXX. I received XXXX letters in the mail on XXXX XXXX. XXXX letter from Navy Federal dated XXXX XXXX telling me my borrower response package was now complete, a second letter asking me to fill out another borrower response package to avoid foreclosure, and a third letter from an attorney dated XXXX XXXX explaining they were being instructed by Navy Federal to " commence foreclosure '' on my home. I am extremely confused and beat down by all of this. I have been paying my mortgage. I paid it on time for over 10 years until I fell behind. If this is true and they are foreclosing on my home over a misunderstanding I really need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with 21ST MORTGAGE CORP. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XXXX  changed my pay for a short time from monthly to biweekly which reduced my income monthly. I thought I was being helpful by contacting my mortgage company to let them know that I was trying to find a second job but my payment would be late. They offered me a 3 month plan so I could have time to fix the issue. I did fix the issue since a lawsuit b y 21 states stopped  the  XXXX  problem for now but they did not tell me that this would affect my credit. Not once did someone tell me this or I would have found a second job immediately or some other way to pay it. I called them a month in advance to let them know this was going to happen. I was trying to prevent my credit from being affected. I can not even buy another house now because people see that but they do n't see what really happened. That I lost funds due to the government changing the way I was paid. The fact that I had made all my previous payments early every time until then did not matter. I feel that since I was not made aware that " their plan would negatively affect my credit, it is unfair that I have to suffer for it. I have called and they refuse to remove it. I have disputed it and I was told that there was nothing they could or would do.      21st Mo rtgage,   XX/XX/XXXX ,    XX/XX/XXXX  and  XX/XX/XXXX  is whe n I agreed to the plan. My monthly payment is  XXXX  and out of th e two years th is was the only time I was late. Single mom who was left with all the bills by a   XXXX   XXXX   XXXX     man in   XX/XX/XXXX  and who w as barely making ends meet but I always pay my bills and this is unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer is in violation of our mortgage agreement and the Homeowners Protection Act of 1998. I need to know how to report this violation of federal law ( i.e. which agency is responsible for enforcement ).

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: Capital One offered a settlement to my husband on an outstanding credit card balance on XXXX/XXXX/2016. Offer was accepted verbally and bank acct # given for electronic payment in full immediately. Offer was explained over phone and we were told it was being recorded - with full disclosure of terms. Rep stated offer was good until XXXX/XXXX/2016. 10 days later, called Capital One because we realized payment was never withdrawn from account. Was told payment was not accepted by our bank ( even though other credit cards were paid recently out of same account ). We were not notified of any issue with payment. Now after 1.5 hours on phone ( 3 way call with our bank, waiting on hold etc ) manager XXXX " just realizes '' the account is now going to 'charge off ' and settlement offer is withdrawn. FULL balance ( {$600.00} more ) is due. Capital One now says it is 'Too late ' to pay the settlement amount that we were willing to send by cashier 's check overnight if necessary. We had 4 more days to pay according to their 'Recorded Disclosure Statement '. The letter attached arrived AFTER all this and is dated XXXX XXXX and states DATE DUE : XXXX XXXX.??? These extortion practices are inexcusable. My husband was out of work for most of 2016 and just wanted to settle this debt and start to rebuild his credit. We obtained a loan to pay off the high interest debt. Capital One supposedly has a recorded statement verifying the due date of their agreement which they decided to break so they could extort {$600.00} more from us.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit score recently showed a significant decrease, so I ordered a credit report from all three credit reporting agencies. TransUnion shows 10 adverse accounts that are in collection status on my credit report that arent my accounts. Reading the report further, I discovered that TransUnion also added a new name to my credit report. That name belongs to my son, as do the collection accounts on my report. No effort was made by TransUnion to verify that this bad debt was even mine before placing it in my credit report. It is obvious that TransUnion received some information regarding a bad debt for someone with a similar name, using my mailing address and then took it upon themselves to just assign me an alias and the bad debt. No effort was made to verify the information being placed in my report was actually mine. Is there no such thing as due diligence when conducting such a transaction? I called TransUnion today, XXXX to address this matter and after having to explain the problem multiple times, was told that they will look into it and for me to check back with them. They would provide no reference number or claim number to assist me and stated that I just needed to call the regular customer service number to check the status after 5-15 business days. The last person I spoke with refused to let me speak with a supervisor or provide me an alternate number where I might reach a supervisor. The manner in which this information even got on my credit report is cause for great alarm. If the credit reporting agencies arent using more care and diligence than has been demonstrated in this scenario, they should not be able to operate. These reports have a serious impact on consumers livelihood and should be protected against trashy input from the company that is storing and providing reports.

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 12/20/2016 about Consumer Loan (Vehicle loan) with CAVALRY INVESTMENTS, LLC (SC).
Issue: Managing the loan or lease

Complaint: This debt is not mine. I have no knowledge of debt that is attempting to be collected and I want it removed from my credit reports with XXXX, XXXX and XXXX. I want all collection actions to cease and do not want them sold nor transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is a closed account from XXXX, Account # XXXX on my credit report that doesn't belong to me. This account was opened in XX/XX/2016. It has been disputed by all three credit bureas & XXXX/XXXX. It was resolved & deleted from my credit report but for some reason it keeps reappearing on my TransUnion report with no explanation. I have disputed this again with no luck. I am demanding that XXXX  abide by the FCRA & delete this account from my credit report. It is fraud & damaging to 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