milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out a federal funded consolidated student loan to put my son through college. My initial loan in  XXXX   XXXX ,  XXXX  was for {$120000.00}, now on  XXXX   XXXX ,  XXXX  is {$130000.00}.   Also, in total I had a  XXXX  loan,  XXXX  loan and  XXXX  loan. I paid off the  XXXX  and  XXXX  loans totaling approximately  XXXX . I would like to know how the loan increases and not decreases. I do n't mind paying off the loan for a college education, but paying an additional {$170000.00} in interest is ridiculous. I have written for  XXXX   XXXX   ( Navient ),   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  US  Department of Education,  XXXX   XXXX   XXXX , Congressman  XXXX , Congressman  XXXX , Presid ent Barack Ob ama and the   XXXX   XXXX   XXXX   with no help, just automated letters received. I went to   XXXX   XXXX   to see if I could apply for a loan and an interest adjustment and they told me that because I did not have a college education, they could not give me a loan. My wife and I are middle class and struggle every month to make a payment of {$1000.00} for this student loan. My son also has his own loan with  XXXX   XXXX  for $  XXXX . He lives on his own out of state and struggles to pay something every month, and is constantly being harassed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I Have had a chase checking account with Jp morgan chase for 9 and half years and i get a letter in the mail that they are closing down my checking account and credit cards by XX/XX/XXXX, when I tried writing them a letter and contacting them they told me theres nothing we could do. looking over my account I dont see anything I have done other then basic shoping purchases that would warrant my checking account to be closed this is a big hassle and is stopping my going about my daily life. I tried explainin g to them that this was a mistake on their part and they should submit it for review but after they did a review they are still going ahead with the closure of my account very upsetting please remove this restriction and have a nice day thank you please ask them to reopen my credit cards and checking account even just a checking account being reopened is fine this is very frustrating thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXXMultiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: Your client initiated foreclosure within the early intervention period in violation of Regulati on X, 12 C.F.R. 1024.41 ( f ). Your client failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - We have also requested a QWR response as of 4/20/17 an d request a response ASAP to this information being requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XXXX and XXXX and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please.

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 12/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I closed all of my Bank of America accounts, due to a large amount of high cost fees. When it came time to close my Bank XXXX XXXX, I contacted them and informed them that I intended to close the account and requested the pay off amount. On XXXX XXXX, they cleared a payment of {$3700.00}. That amount gave me a credit of {$1.00}. I contacted the bank again, I was told that the account needed to be at {$0.00}. I requested that the credit be sent to me and I was told that my account was now at {$0.00} and therefore I requested for it to be closed. The following month I receive an email notification for a balance of {$35.00} on my account. I contact the bank and I am now told that the account was never at {$0.00} and I never paid the amount in full. After an hour going back and forth, I relented and paid the {$35.00}. I was once again told that I was at {$0.00} and the account was closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Advertising and marketing

Complaint: Received a letter from CAPITAL ONE XXXX XXXX. XXXX XXXX VA XXXX ). 
With letter saying PRE APPROVED offer for credit card. 
This is printed on the envelop and the letter. 
Upon applying online and completing the questionnaire, immediately I get an alert by XXXX that my credit report dropped XXXX points, because of a hard credit check by CAPITAL ONE.There was no clear indication they were going to do a hard check on my credit which significantly has affected negatively my credit .This is a very deceptive practice scheme by this company.It is very unfair to consummers and really hurts ones life.I can bet I am not the only XXXX affected by this unethical practice and most people do not know since likely they do not have a credit monitoring service ( like XXXX ) .Can you please investigate this deceptive and hurtful practice by Capital One.In my opinion this deception should be stopped immediately and CAPITAL ONE should be fined by the U S Government for consumer abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried to resolve a dispute through experian credit agency about incorrect information being reported on my credit file. I filed a dispute and then another and was told that they will not dispute it again.I have several accounts being reported as charged off and balances when these accounts were clearly under chapter XXXX protection.
XXXX XXXX-showing a XXXX balance. XXXX XXXX showiing a XXXX  balance.
XXXX showing a XXXX balance. XXXX XXXX, charged off. According to FCRA " things that can not be included in credit report are currently owed and active, charged off, having a balance due, late or delinquent or outstanding debts.This also appears in chapter XXXX laws which I am protected.
Experian is clearly in violation of several laws of FCRA reporting and Chapter XXXX reporting I want the items listed on my credit report to be accurate and fair.

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 10/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: I went to my online account to initiate a funds transfer to my son 's account as I have done many times before. The screen said there were no accounts available for me to transfer to. After XXXX minutes of useless telephone menu, I gave up and hit XXXX continuously until I got a person. She had me log on again. same problem. She checked. when she finally returned she said the bank is updating its systems and has no idea when they will be available. My only recourse is to go to a branch ( I am currently too ill to drive ) and initiate a transfer from there. I do not have my son 's account number and will have to try to reach him. He needs the money for a trip. It is XXXX on a weekday. The bank should not be incommunicado at this time. I do n't know how I will be able to get this money to my son.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Vehicle loan or lease (Loan) with EQUIFAX, INC. (MS).
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint: I applied for a car loan. I placed a credit freeze on my account in  XXXX    XXXX   after I was the victim of identity theft. I had a new number then. Now, I applied for a loan and the salesmen is telling me that I have a freeze alert on my account. However, when I contact the  XXXX  major bureaus they are denying that I have a freeze. Thus, I have been denied credit because they can not verify that it is me requesting the loan. I have told them several times to contact me at my recent number but they said that they have to use the number that was on the initial fraud report. It is frustrating because I know that my credit is  Good.  The companies involved are :    XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  of  XXXX , MS  XXXX   XXXX   XXXX  I have nothing against these companies. It is the credit bureaus telling me that I do not have a credit freeze ; but telling lenders that I do and lenders are caught in between.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX I entered into a loan agreement with Washington Mutual Bank FA. JPMorgan Chase allegedly started to service the loan after Washington Mutual Collapse on XXXX XXXX. On XXXX XXXX, XXXX I sent to Chase Registered Return receipt, a Detailed XXXX Page qualified Written Request ( QWR ) Regarding this loan. Chase did not provide the information as was requested other than a form letter indicating ; " That they are investigating issues and will work to provide a complete and accurate response '' On XXXX XXXX XXXX, I sent JPMorgan Chase A Rescission letter indicating my wish, desire and right to cancel the loan originated by WAMU under the Truth In Lending Act TILA. I further sent XXXX XXXX on XXXX XXXX XXXX a copy of the letter that was sent to Chase instructing both parties to cease all collection activities on this loan and to comply with the dictates of TILA. Neither Chase, or XXXX has complied. Instead, Chase and XXXX has continued to pursue its collection activities in the circuit court where they obtained a judgment and the district court of appeals where the judgment was XXXX XXXX. Chase and XXXX also deployed the services of XXXX XXXX to achieve their endeavor. Chase and XXXX has now filed papers in circuit court on XXXX XXXX, XXXX to schedule a sale date on my home. I have been forced to defend these collection practices by Chase, XXXX XXXX, and XXXX even though to date, Chase has not produced one scintilla of evidence that they are the Owner and Holder of this loan, or their right to enforce the note. Instead Chase and its lawyers named have continued to violate my rights under TILA and the consumer protection that such regulation affords me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Servicer engaged in practices that harmed borrower, including but not limited to : failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; charging unauthorized fees for default-related services ; providing false or misleading information to borrowers regarding loans that had been transferred from other servicers ; failing to provide accurate and timely information to borrowers who sought information about loss mitigation services, including loan modifications ; misrepresenting to borrowers that loss mitigation programs would provide relief from the initiation of foreclosure or further foreclosure efforts ; improperly denying loan modification relief to eligible borrowers ; providing false or misleading reasons for denial of loan modification ( s ) ; with respect to transferred loans, failing to honor in-process trial modifications agreed to by prior servicers ; and robosigning affidavits in foreclosure proceedings. 

The servicer ( ASC ) cliams the investor ( s ) will not modify/pay " Corporate Advance Fees/RICO ) fees. However, after reconfirming eligibility and terms via REST Report/Loan Disposition Analysis/NPV, these fees should be waived, as this loan qualifies for HAMP Tier 1 & Tier 2, as it is confirmed that the investor participates ; the borrower, in good faith, paid the RICO fees of {$2300.00} on XXXX/XXXX/16. 
Claims of Improper Denial, The ASC confirmation for payment of the RICO fees was/is - 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 05/30/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was approved for a store card that was distributed through Comenity bank. I was notified in the store that the physical card would be mailed in 7-10 days. However, it has been 2 months and I have not received any mail regarding my balance or the card. I made a phone call to their customer service and they have charged me late fees for a card I did n't have nor received any information about. They have also started to make collection calls even though I just closed the account about 20 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: Mr. Cooper is responsible for disbursing an insurance claim settlement made due to flooding with Hurricane Harvey. My total claim is {$190000.00}, and Mr. Cooper so far has disbursed {$58000.00} including {$20000.00} disbursed only after a previous CFPB claim. I have uploaded nearly {$80000.00} of receipts for repairs done and previously Mr. Cooper would not release more that {$37000.00} of my settlement ( which represented less than my insurance advance ) until the CFPB helped out. 

I have now reached 50 % completion of repairs to my house. Mr. Cooper previously assured me that they would release 50 % of my settlement once inspection revealed that I had reached 50 % completion. This inspection was done and certified on XX/XX/2018. I have been expecting then {$190000.00} / 2 -  {$58000.00} = {$39000.00}. However, Mr. Cooper has found excuse after excuse to not release my next disbursement. Despite certifying that all of my documentation was complete in XXXX and disbursing money previously, they have overlooked updated contracts, asked me to re-upload documents numerous times, and denied requests that are based on obvious errors on their part. Every time they make a mistake and ask me to re-upload documents, it takes an additional 48 business hours to review. They have thus been able to delay for now over 2 weeks an additional release of funds that they assured me would have no issues. 

This company is absolutely preying on natural disaster victims and should be heavily reprimanded as such. By no means is my experience unique -- just do a web search for Nationstar or Mr. Cooper and see how many complaints are raised about their company. They constantly use an excuse that this is all due to " government regulation '' but no other mortgage company ( and I know the stories of dozens of my friends who flooded ) has given so many roadblocks to releasing Harvey settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (I do not know) with Gurstel Law Firm, P.C. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a notice on my credit score about a debt. I called Gurstel Lawfirm PC to ask them to send me written proof that the debt was mine. I have contacted them 3 times to try to get this information and still nothing. I am trying to purchase a home and need this off of my credit in order to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient continues to make it impossible to pay off my debt. The company has raised my interest rate to 10 % on several of my private loans. When I called to discuss interest rate lowered program the representative wanted all of my co-signers information as well. I am unable to give financial information for my co-signers. Also as co-signers they have no obligation to assist with my loans unless I go into default.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i found the a have a debt in my credit report i never not once received any letters about this debt, the debt is from a rental property i left without a walk out inspection.Now i have call the collection agency multiple time and ask them to please send me a statement like that i can mail my payment, the told me the send it in the mail on XXXX/XXXX/16, today is XXXX/XXXX/16 and i never got anything in the mail, the keep telling me i can use my debt card or bank account to pay i explained to them i did not want to do that, i am willing to pay but the refused to send me a statement for me to be able to mail the payment how can i make them send me the statement

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2017 PayPal notified my wife and I via email that there was a {$150.00} payment was in pending for review and should be complete within 72 hours. The payment was sent to our account from a coworker to purchase a retirement gift for another coworker. We have made multiple request to PayPal to complete the review and release the funds by email and by phone. This has been held in pending for nearly two months and no progress or updates. Please help us with this hold up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (OR).
Issue: Problems when you are unable to pay

Complaint: The account was included in my chapter XXXX bankruptcy filed XXXX/XXXX/16 and discharged XXXX/XXXX/16. The creditor was included in the bankruptcy and the debt has since been discharged. I have disputed this account multiple times online to each credit reporting agency, and the company came back stating the account was reporting correctly, then corrected the account - deleting it from my report, to then re add it as an open trade line on my credit, not included in my bankruptcy, or a zero balance.

Company response to consumer: Closed with non-monetary relief