milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KS).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: When I pulled my XXXX credit back around XX/XX/XXXX I realized that there were multiple Student Loans on my credit report. I contested those loans given I did n't sign as a co-borrower for these loans. I also just finalized a Chapter XXXX bankruptcy. I have my own Federal Student Loan that has been on pause while I was in Bankruptcy. When I logged onto Navient I realized they were listing all of my ex-wives loans on my account as well. I have requested the original promissory notes and it is obvious that at least four of the six promissory note signatures have been forged. I want to take my name off as a co-borrower on these loans. My ex-wife has entered a diversion back in XX/XX/XXXX for forgery charges. In addition, in XX/XX/XXXX she was charged with a misdemeanor and entered into probation for embezzling money as the PTO Treasurer of our daughters school. I simply want my name taken off of these loans as a co-borrower due to forged signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I sent a certified letter on XX/XX/XXXX ( received and signed for on XX/XX/XXXX ) requesting they only contact me via mail and on XX/XX/2016 I received a phone call and subsequent voicemail from this company. I also requested verification of the alleged debt and all I received was a " Disposition of Charges '' that did n't tell me anything.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SOUTHWEST COLLECTION SERVICES INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Southwest collections is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when Southwest collections got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (RI).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was transferred from XXXX to Nationstar Mortgage effective XX/XX/2016. Prior to it being transferred we paid our XX/XX/XXXX bill like usual with XXXX. While setting up our online account with Nationstar we noticed our bank account information transferred over automatically and in turn our auto debit settings transferred over as well. The only issue appeared to be that it was going to skip the XX/XX/XXXX payment, take effect XX/XX/XXXX, and that we would have to manually pay the XX/XX/XXXX bill online. So I went ahead and did just that on XX/XX/XXXX, with 6 days left in the grace period. It was debited from our account on XX/XX/XXXX We then woke up on XX/XX/XXXX and noticed that Nationstar attempted to withdraw an additional full {$1100.00} mortgage payment from our account which resulted in a {$40.00} NSF fee from our bank, XXXX. We were confused as to why, but saw that the bill was payed so we ignored it. A week goes by and they again attempted to withdraw another {$1100.00} from us resulting in another {$40.00} NSF fee from our bank. I then called their customer service and spoke to someone that was the equivalent to speaking to a brick wall. She could not follow what I was saying and kept repeating the same thing like she was just reading off a script and did not have a mind of her own. After XXXX minutes of not getting anywhere with her I asked for a supervisor and was transferred to someone that, after having to repeat my issue a few more times, finally somewhat understood what I was saying. She conducted a few minutes of research and then finally assured me that I was all set and that it appeared to be a computer issue on their end. I contacted XXXX and they more than happily refunded the XXXX NSF fees. We then all went on our merry way thinking everything was rectified. Fast forward to today, XX/XX/XXXX I get a call from a rep at Nationstar saying we STILL OWED OUR XX/XX/XXXX MORTGAGE PAYMENT. I explained what had happened XXXX weeks ago and somehow they magically found that it was in fact payed and that the issue was XXXX had n't sent over the payment from XX/XX/XXXX. I do not understand at all how these issue keep occurring. I do not understand how their computer system can make this many mistakes. I do not know if someone is doing something maliciously or criminally, or if they are just incompetent. What I do know is that we will be searching for a new mortgage company and if there is XXXX more issue we will be moving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear XXXX CFPB, I would like to complaint than Ocwen Loan Servicing , LLC . ( Ocwen ) appears to show that Ocwen may not be in compliance with certain provisions of the Home Mortgage Disclosure Act ( XXXX ) and its implementing regulation, Regulation C. 

The Home Mortgage Disclosure Act of XX/XX/1975, as amended, 12 U.S.C. XXXX, requires many financial institutions to collect data about their housing-related lending activity, including home purchase loans, home improvement loans, and refinancings that they originate or purchase, or for which they receive applications. 

Annually, a for-profit mortgage-lending institution other than a bank, savings association, or credit union, must collect, record, and report XXXX identified in XXXX and Regulation C to the appropriate Federal agency when : ( i ) in the preceding calendar year, it either : ( A ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least XXXX percent of its loan-origination volume, measured in dollars ; or ( B ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least {$25.00} XXXX ; and XXXX XXXX ) on the preceding XX/XX/XXXX it had a home or branch office in a Metropolitan Statistical Area ( MSA ) ; and ( iii ) it either : ( A ) on the preceding XX/XX/XXXX, had total assets of more than {$10.00} million, counting the assets of any parent corporation ; or ( B ) in the preceding calendar year, originated at least XXXX home purchase loans, including refinancings of home purchase loans. 12 C.F.R. 1003.2, 1003.4, 1003.5. A for-profit mortgage-lending institution other than a bank, XXXX XXXX, or credit union, is deemed to have a branch office in an MSA if, in the preceding calendar year, it received applications for, originated, or purchased five or more home purchase loans, home improvement loans, or refinancings related to property located in that MSA. 12 C.F.R. 1003.2. A violation of HMDA or Regulation C is subject to sanctions as provided in section 305 of HMDA, 12 U.S.C. 2804, and subtitle E of the Consumer Financial Protection XXXX of XX/XX/XXXX, XXXX U.S.C. 5561 et seq., including the imposition of civil money penalties, where applicable. 
Ocwen is in violation of XXXX filing requirements, we urge CFPB to review Ocwen practices to ensure that Ocwen comply with all relevant laws. Ocwen do not follow XXXX, Regulation C, and CFPB guidance, Ocwen continued to request us to submit all Loan Modification Application and always denied our loan Modification for any reasons Ocwen wants to. We get the denied Loan Modification for may times.We encourage CFPB to advise Ocwen to compliance with the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To sum in up apparently during computer and many other changes that the XXXX XXXX were implementing me dical bills fully covers by my then under XXXX XXXX XXXX son are now in collections and adding great stress and loss of living and vehicle purchasing needs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: MY MORTGAGE LOAN HAS HAD XXXX DIFFERENT SERVICERS IN ABOUT A ONE MONTH TIME FRAME. BECAUSE OF THIS, SERIOUS ERRORS WERE MADE WITH MY REQUEST FOR MORTGAGE ASSISTANCE. I HAD INITIALLY APPLIED FOR MORTGAGE ASSISTANCE WHEN MY SERVICER WAS XXXX. MY FILE WAS IN REVIEW. ON XXXX/XXXX/2015 MY LOAN WAS TRANSFERRED TO XXXX XXXX. XXXX DID NOT TRANSFER MY MORTGAGE ASSISTANCE DOCUMENTS. A FEW DAYS LATER, MY LOAN WAS TRANSFERRED AGAIN TO BSI FINANCIAL. ONCE AGAIN MY MORTGAGE ASSISTANCE DOCUMENTS WERE NOT TRANSFERRED. BSI FINANCIAL WAS INFORMED THAT THERE WAS A COMPLETED PACKAGE FOR MORTGAGE ASSISTANCE. BSI PREFERS TO IGNORE THIS FACT. NO DECISION WAS MADE ON MY REQUEST FOR ASSISTANCE. IF MY REQUEST WAS DENIED, I WAS NOT PROVIDED A 30 DAY RIGHT TO APPEAL.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Vehicle loan or lease (Loan) with Leedom Management Group, Inc. (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I bought a car in XX/XX/XXXX from a company called XXXX.in XXXX, Ga and paid it out in XX/XX/XXXX., so XX/XX/XXXX XXXX was bought out by a company called XXXX XXXX XXXX in XXXX , fla . so XXXX XXXX XXXX says in order to get the title I have to pay them {$1400.00} for the title because I leased the car from XXXX., so they want to charge me what they called resiual fees. there phone number is XXXX customer services. XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX.

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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following XXXX XXXX XXXX  XXXX credit card account : XXXX thats listed on my XXXX, Experian and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX 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 01-11-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Balance transfer

Complaint: I recently transferred a balance from a high rate card to a 20 month XXXX rate card. Negatively affected my credit score due to low limit on 0 % card, with balance : limit ratio & gt ; 30 %. Nowhere in disclosures is this deleterious credit impact mentioned. Just WRONG! Should be disclosed in information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We had a mortgage with Countrywide which then became Bank of America back in XXXX. I filed Bankruptcy in XXXX. Discharged XXXX. After the Bankruptcy we continued to make payments to Bank of America for our XXXX. During the next 7 years we applied fro Loan Modifications on XXXX different times. Bank of America would have us sign and make trial payments. Each time we never received Final Loan Documents. During this time I kept making the modified payments and would call Bank of America regularly to ask why They have not sent us Final loan documents. Was told by Bank of America they would expedite it, but still never received them. We just kept making payments. Bank of America just kept dragging it on to get any payments they could. Now XXXX XXXX, XXXX I find out the Loan was never re-affirmed and that it was part of the bankruptcy and it was discharged. So Bank of America drug this out for so long just to take our money even though it was BK. We paid over $ XXXX. I believe this is Fraud on Bank of America. Please help us get our money back. Property BK now. Backup documents attached are only for recent activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2018 about Debt collection (Other debt) with ERC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX COMPANY IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, XXXX charges appeared on my synchrony bank banana republic card in the amounts of {$190.00} and {$200.00} from PayPalXXXX. I filed a dispute w/cc company, they dismissed XXXX charge but not the other. I have never heard of raise.com, you will not find any other charges on my cc card from this place, during my cardholdership!!! Why dismiss XXXX and not the other, makes no sense!!! This cc company has terrible customer service! Do not get a GAP brand 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 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Loan is paid off. My experience was very clear. I had an interest rate of 2.25 % and when I called to lock in my rate I was talked out of it. Literally talked out of it. Looking back I realize that Navient aka XXXX could not give advice beneficial for me but I naively trusted the person on the other line. So here is some advice. These companies do not work in your interest when it comes to revenue. They work within their own. In other words, find someone that really knows what you should do and do it exactly that way.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account Receivable Solutions is reporting under XXXX credit bureaus an account they have not verified

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: PNC pulled another stunt today on XX/XX/2016. 
They tried to put some outstanding checks through before my direct deposit went through. 
The direct deposit was in the account at XXXX on XX/XX/2016, it was for {$570.00}. 
They charged me XXXX overdraft fees of {$36.00} each!! 
I had a positive balance at XXXX on XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: PORTFOLIO RECOVERY  XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  has put a claim of {$340.00} on my credit but even though I have disputed it with them and have asked them to prove the debt they still do not remove it. I want to file a complaint against this co.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2015 about Debt collection (Payday loan) with Roycroft Management (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This was sent via email to me from my main office. I am a teacher in a classroom. I have asked this company not to call me and to stop calling my job and my family members and they call several times a day. They have threatened to arrest me at work. I have emails and telephone messages to verify these actions. I do n't believe this is even a valid debt. 

XXXX # XXXXCall before XXXX in order to NOT get served. 



Sorry, I 'm just the messenger XXXX XXXX XXXX XXXX XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: Nationstar Mortgage/XXXX XXXX is making it very difficult to remove the PMI on my FHA loan, urging me instead to refinance the home at a significant cost to me.
After five years of no late payments and the house doubling in value, it should be easy to remove PMA in XX/XX/XXXX but instead Nationstar continues to push me to accept their expensive product.
I purchase a home in XXXX in XX/XX/XXXX for {$750000.00} under an FHA loan with a 10 % PMI. I put down {$150000.00}. I currently owe approximately {$540000.00}.
In XX/XX/XXXX the home value - published on Nationstar 's own website - is {>= $1,000,000} but they are telling me that I do not have the 78 % of loans to value requirement to remove PMI and the only remedy is to refinance with them at significant cost to me.
I do n't know what to do. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know nor have I ever heard of this debt collector. It is not mine.

Company response to consumer: Closed
Consumer complaint received 01-04-2017 about Consumer Loan (Personal line of credit) with CITIBANK, N.A. (AZ).
Issue: Managing the line of credit

Complaint: The account is a corporate account and now it 's placed on my report. The company is responsible for the debt but the creditor will not remove it from.my report. It is harming my score. I 've called to rectify this issue but everytime I speak to someone, XXXX answrs

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 05/27/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I began my XXXX studies in XXXX at XXXX XXXX University. I took out a private loan in order to continue my studies. I was unfamiliar with student loans at the time, and my parents were not able to pay for my schooling. I took out this private loan with the assistance of my financial aid counselor at XXXX, with my father as the co signer. I graduated XXXX as an XXXX in XXXX XXXX. I began XXXX school at XXXX in XXXX XXXX. I began getting phone calls from American Education Services, requesting that I make payments. I explained that I was attending XXXX school, and was unable to make the payments they requested. I graduated with my XXXX XX/XX/XXXX, and began working in XXXX of XXXX. I have not been able to make the large payments requested by AES because I came out of college with nothing, moved in with my parents and made small payments. At one point I was asked to make payments multiple hundreds of dollars a month, which I was and, I am still unable to make. At this time, my loan has become " severely delinquent '' and I am being asked to make a one time payment of {$54000.00}. I have been told by the collection agency ( XXXX XXXX XXXX ) that I no longer have the option to make monthly payments because of my severe delinquency. My father is also being harassed with phone calls, and being threatened by these representatives. I have offered to make small payments now that I am a bit more financially stable, but the collection agency stated that due to my continued delinquency, I am no longer eligible to make monthly payments. The collection agency has advised my father and/or myself to take out a second mortgage on my parents home to make the loan payment. At this point, I feel helpless because I have no way of getting that kind of money, and according to the collection agency, I have no other options at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: On XXXX XXXX, 2017 the loan was paid in full never having had a late payment. I received notice that the loan was paid in full with an over payment of {$320.00}. A refund check would be sent within 30 days. I have tried to call and see where the refund for the over payment was and have been told by several Santander employees that the refund was sent by XXXX. I do not know what XXXX has to do with it, but my agreement is with Santander. The refund has never been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR TEXAS TRUST FORMERLY KA : XXXX XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, EQUIFAX FOR MYSELF ( BRUCE NAYLOR, JR ) AND TRANSUNION FOR MY WIFE ( XXXX XXXX. WE HAVE REPEATEDLY CONTACTED TEXAS XXXX XXXX AT THE XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY.

Company response to consumer: Closed with explanation