milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I want to see if there is any way I can qualify for the  Public Service Loan Forgiveness Program.    I consolidated my federal student loans in  XXXX . I have made income based repayments since that time and have been continuously employed by state government since  XXXX . When th e PSLF was  enacted in  XXXX , my loan servicer did not make me aware of the PSLF program. Had I been made aware of the program, I could have reconsolidated my loans into  a Direct Student Loan and w ould then be eligible for forgiveness of the remainder of my loan in  XXXX ,   XXXX  . I believe it was unethical for my loan servicer to withhold this information from me and, with the help of the cfpb, I am hoping all those borrowers in my situation will find relief - either directly through the PSLF program of by holding our loan servicers accountable. Please let me know how you can help and what other steps I can take. I have about {$80000.00} in outstanding  XXXX  school loans which would be eligible under this program.   Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: A  Student Loan Company  claims that I am owing $  XXXX  for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent in a complaint to Transunion and XXXX credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XX/XX/XXXX and it is XX/XX/XXXX and just got a letter from transunion XX/XX/XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as Transunion and XXXX was directed and FCRA 605 B states within 4 days ....

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax refuses to mail me my certificate of insurance and summary of benefits for the free monitoring service they are providing because of their security breech.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with North Dakota Housing Finance Agency (ND).
Issue: Loan modification,collection,foreclosure

Complaint: I am so devastated and so very disappointed with my mortgage company " North Dakota Housing Finance Agency " I was unemployed for 9 months trying to figure out a way to keep from losing my home. I was told by them there was nothing they could do because I had no Income. I was on-line checking daily for different programs that could help me. Every time I found one I would call NDHFA to see if it would work. but every time it was " they did n't predicate in that program, or my loan was n't through that program. Mean while they had started the foreclosure on my home. When I was served I called they attorney on the summons and was told I had p I needed to respond to summons. I asked how do I do that. He then said because I had called that was a responds. I then asked what do I need to do so I can stop this, I was told I had plenty of time but to basically come up with the past due amount. The only thing ND Housing Finance Agency Offered me was a repayment plan XXXX a month which I had a job in XXXX 2016 but that was all I was making, so they extended it to 12 months and it was XXXX but I still could n't afford that. Mean while I find out my loan is through the XXXX which means if I default on my loan, XXXX will pay the private financier for the loan. Then because no-one else was at the Sheriff Action for my home the ND Housing Finance Agency bought it for XXXX and telling me I need to pay XXXX by this Friday XXXX XXXX 2016 before XXXX XXXX. The North Dakota Redemption Laws : Title XXXX chapter XXXX / Title XXXX chapter XXXX / Title XXXX chapter XXXX It states I would have to reimburse the purchaser ( the person or entity who bought the home at the foreclosure sale ) for the full price paid paid at sale, plus interest. I 'm not trying to get out of paying for my home I would just like something that could work for both of us. Like the Forbearance Program and remove up front hurdles to make it easier for unemployed homeowners. The Mortgage Forgiveness Debt Relief Act, Helping Families Save Their Home 's Act The Real Estate Settlement Procedures Act. 
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 06-11-2015 about Consumer Loan (Vehicle loan) with TMX Finance LLC (GA).
Issue: Managing the loan or lease

Complaint: on or about XX/XX/2014 I borrowed {$800.00} from a tilebucks own my car title.I made all payments on time..Upon adding all payments made to titlebucks, it came to a totlal of over {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX/XXXX/2016, I received a voicemail message from a XXXX at XXXX. She did not state the company name. She stated this message is for XXXX XXXX and she was calling in regards to a XXXX XXXX and requested I call her back with the reference # XXXX. After Googling the phone number I found many complaints and the phone number belonged to the above named company, which is a Debt Collector. I returned the call. Someone answered, but he did no identify in the company 's name. I asked the name of the company and it was given. I provided my name and the reference #. Then I asked what type of company was XXXX XXXX. He replied we handle personal business matters. He told me he would transfer me to XXXX. Before the transfer, he asked if we become disconnected could he call me back. I replied, NO. I was transferred and the woman stated they have been unsuccessful in contacting XXXX XXXX and wanted me to provide his personal info. I asked why and she stated they are not allowed to provide that info. I stated I do know XXXX XXXX and can not provide his personal info without knowing why. I replied send him a letter. She stated we have done that. I replied no you have not and hung. I find it odd that this company has my phone number ( which I have had for only a few years ) and they do not have his phone number ( which he has had for almost ten years. We have never done business with this company and we do not have any outstanding debts that would be transferred to them. I am concerned this is a SCAM.

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 05-02-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended XXXX XXXX school in XXXX Georgia. The program lasted XX/XX/XXXX through XXXX of 2014. I graduated in XX/XX/XXXX and have been paying Sally Mae XXXX $ per month ( I was set up on automatic payments ) Last month my automatic payment went from XXXX $ to XXXX. They did not notify me of the change and my checking account is now overdrawn with around XXXX $ in overdraft fees. I called Sally Mae and they said my payment is now XXXX. I told them that I was not working in the field I was trained for and that I could not pay that much a month ( that amount is more than my rent and car payment ) I can not pay that amount and be able to pay my rent or buy groceries. I asked if the payment could be lowered until I get a better paying job which I was trained for. They said no. I told them that I was not going to be able to pay my rent this month. Finally after talking with a " manager '' I was told that for XXXX bucks they would credit my acount the XXXX. That was over a week ago and they have not credited my account. I am still overdrawn at the bank and at risk of being evicted from my houde because I am negative XXXX in my checking account. Not only is Sally Mae unwilling to work with me and lower my payments to something affordable until I get a better job, they lied to me and have not refunded my money so I can pay my rent and utilites. I just want them to work with me and do what they said they would do so I can get back on my feet, be assured that I have a place to live, so I can actually keep my job and pay my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Roughly 2 years ago my wife and I filed Bankruptcy, which we did request to reaffirm the mortgage, which was with XXXX at that time, with our attorney. He filed the proper paperwork to ensure this would be completed. In a conversation with him, I understand that the courts do not necessarily push this like they do on a auto loan. The servicing was transferred to Nationstar Mortgage a little over a year ago, and we have been paying them on time since. I recently applied for credit and learned that the mortgage is not reporting on my bureaus. I have reached out to Nationstar and their response is that I did not reaffirm the debt, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Problems when you are unable to pay

Complaint: I fell behind on my car payments due to medical reasons. I contacted Ally to setup payment arrangements and spoke to XXXX on Wednesday XXXX/XXXX/XX/XX/2015 with the XXXX payment to be made on Friday XXXX/XXXX/XX/XX/2015 XXXX assured me as long as I made the payments my car would not be repo 'd. On Friday XXXX/XXXXXX/XX/2015 my car was gone. I call and spoke with XXXX and several other who would not help me or give me any information. I contacted the redemption center on Monday XXXX/XXXXXX/XX/2015 and spoke to XXXX who quoted me {$2000.00} to redeem vehicle by XXXX XXXX, XX/XX/2015. I contact the redemption center on XXXX/XXXX/XX/XX/XXXX to get the XXXX information to make the payment necessary and I was told I needed to pay over {$7000.00}. They stated this was to close my loan out and that was the only way I will get my vehicle back. I spoke to several people that would not help me, they would not give me a copy of my contract or any payment history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX, 2015, I submit a Letter Of Validation to Midland Credit Management. Please provide me with the following : Agreement bearing my signature, or contract, valid copies of the debt agreement. A complete payment history on this account along with an accounting of all additional charges be assessed? Anything stating I have agreed to assume the debt. As of this date, I have only have received a statement alleged, debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Closing/Cancelling account

Complaint: XXXX XXXX ; XXXX ; XXXX ; USAA issued me a credit card 13 years ago. On the anniversary of the card USAA sent me a bill for the renewal annual fee ( {$29.00} ). I had n't used the card in years ; it had a zero balance ; and I called the company and cancelled the card. The rep acknowledged that the card would be cancelled but that I had to pay the annual fee. The fee was prospective, not retroactive, and I objected to paying a fee for a card I no longer would have or use. They threatened to adversely affect my credit rating if I did n't pay. I think it 's an illegal fee.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Charges were incurred prior to my getting XXXX and my income decreasing significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a FHA loan and this loan is serviced by Bank of America. The bank did n't fulfill any of the contractual obligations it made with HUD, specifically loss mitigation before filing a foreclosure lawsuit against me. I have been fighting this bank for nearly four years in court and it has still refused to do what it contractually agreed to do. I also sued the bank under the Illinois Consumer Protection Act for its unfairness. It 's my understanding that this bank has repeated this conduct with several XXXX of FHA mortgages.

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 01/24/2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bank of America is holding me liable for a credit card debt from XXXX or XXXX. I have contacted this company and provided several documents to show that I never received a card to my residence which I have been residing almost 20 years nor did I apply, had no knowledge. I had never seen the application until filing a complaint. I have proven that a card was n't sent to my address. I have provided my signature as it does not match the one on their application. I stated about having a fraud alert on my credit report and indicated they did not contact me before granting credit. They claim they did @ at a number that I have never had. Then they claim something in reference to a XXXX account. I have attached the letter from XXXX financial indicating that the account did not belong to me. I sent this information to XXXX XXXX XXXX via email and called but did not receive a response. I should not have to turn to legal representation but I refuse to be liable for a debt in which I am not responsible for. I called and gave this company, Bank of America my address in which they never had. Bank America also submitted this debt to IRS as a charge off and they are charging me for a debt in which I never had any affiliation with. They also indicated about payments, I never paid this company nor authorizrd any payments.I have no reason to continuously go through this back and forth if I were n't being honest. I will suggest to Bank of America 's corporate office, they should obtain the party that is applying identification so they will have this on file as a more positive id of who is applying. This situation is stressful and ridiculous.

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 05/23/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello to whom it may concern. 
I been awarded my deceased parents property in XXXX Mass ( XXXX ) probate was a long delay, over 5 years in limbo, finally the court has signed off on the estate. The mortgage payments was not able to be paid by any family members while the property was in probate. This has caused a large past due balance owed. 
I now have legal procession of the property, I contacted Chase bank to let them know. 
I have had my name added to the tittle deed and also the home owners insurance put in my name. 
I filed for a loan ussumption and modification and was denied reason stated in letter. 
we could n't verify your incomes/ or employment on the information you provided. 
I called immediately I said I provided all documents that was requested. 
XXXX monthly bank statements these statements included my direct payroll deposits and first floor tenants lease monthly rent. 
I also provided XXXX payroll stubs as requested. and the XXXX XXXX form as requested. 
Chase had many ways to verified my income and employment City Of XXXX, I sent a letter by via fax to dispute the denied letter. 
I feel Chase bank is not doing all the research as required, I contacted my employment XXXX City of XXXX treasury department and asked if a mortgage company contacted to for status of my employment income status. 
I was told no mortgage company had contacted them. 
I feel that Chase bank or the under writers and the investor ( XXXX XXXX XXXX ) IS TRYING TO STEAL MY PARENTS HOUSE FROM ME please any help or legal direction advise would be helpful thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Mariner Finance constantly running HARD INQUIRIES on purpose. I have an exiting account with them and the representative calls every day for payment.

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 06-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DE).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/16 I opened a Citigold checking account with an associated offer promising XXXX points ( valued around {$500.00} ) after meeting the promotion terms. I met those criteria and confirmed on XXXX/XXXX/16 via chat with a Citi representative that I had met the criteria. The agent told me to expect the promotional XXXX points to be deposited into my account within 90 days of completing the requirements. After the 90 days had elapsed I contacted Citi to inquire about the promotional Thank You points which had not yet been deposited to my account. Citi responded by claiming there was no promotion associated with my account at the time it was opened. I have a copy of the promotional disclosure when the account was opened and saved the conversation with the Citi agent who confirmed the promotion was associated with my account and that I had completed the terms. It is my belief that Citi has engaged in deceptive marketing practices to lure customers to open the high price ( $ XXXX/month ) Citigold product. I do not believe Citi should be allowed to continue this behavior of attracting customers with promotions and after the customers have fulfilled their terms suddenly refuse to honor the promotion. I very much appreciate any effort to resolve this issue and prevent Citi from continuing this behavior. 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 03/13/2017 about Credit card () with JPMORGAN CHASE & CO. (HI).
Issue: Other

Complaint: Chase is illegally reporting an account of my ex-husbands that I was an authorized user on that was charged off. I am not nor was I ever financially responsible for this as a card holder. My credit is being ruined because of their failure in correctly reporting this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Very quickly ... XXXX XXXX mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XX/XX/XXXXXXXXtgage payment XXXX XXXX XXXX Mortgage payment XXXX I had contacted my mortgage company and asked how come my mortgage went up so much? They said it was due to the shortage in escrow and my taxes went up. I asked how much are my taxes and they said over XXXX for the year. I told them that my taxes were not that high, somethings wrong with the payments for XX/XX/XXXX and XX/XX/XXXX. I argued with them ALL XX/XX/XXXX and XX/XX/XXXX about my account being wrong. They finally admitted that they had made a mistake and put the " over payment '' of XXXX to my shortage in escrow but they did not remove a late payment with the credit reporting agency for XX/XX/XXXX. I told them I could not make that inflated payment because it was too high. So I had to make a double payment in XX/XX/XXXX figuring they would correct their mistake. They NEVER sent me my new escrow figures until I had questioned the payments. So now im paying what I should of been paying since XX/XX/XXXX and my payment would not have been late. Ive tried to reach a manager or supervisor about this but NOBODY has answered their phone or returned any call that I have made. ( over 10 calls ) I want my late charge to come off of my credit report so I can move on and forward. I have ALL records and can make copies if you need them. Thank you!

Company response to consumer: Closed with monetary relief