milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loan amount increased and interest rate increased after being sold to Navient. Unfortunately, I am not able to make full payments on my loan but when I call for options on what I can do, I seem to get different answers. I was told that I could only do forbearance, which accrues interest. Then after talking to friends/family, I was told about the income based payment option which I was told was over {$500.00}. That was definitely not affordable. I was told then I can stay on forbearance, which I still am. They were not willing to negotiate affordable payment options. Two options basically given was an amount I can not afford to pay or go into forbearance and incur interests. I do not have an option. There should be more that Navient is willing to do to help students.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I secured a mortgage in XX/XX/XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XX/XX/XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XX/XX/XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was Americas Servicing Company that claimed to be an injured party on all XXXX credit bureaus starting in XX/XX/XXXX. I have never signed any contract or owe any money to Americas Servicing Company. In XXXX XXXX, XXXX removed Americas Servicing Company from my credit report. XXXX and XXXX refused to remove Americas Servicing Company from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by Americas Servicing Company under fraudulent circumstances. I want them removed from all my Credit Reports immediately. Americas Servicing Company is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even Americas Servicing Company. Please help me resolve this matter as soon as possible

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Payday loan) with Check Security Associates, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This debt collector called Warner Asset locations called my previous place of employment and got the number to my new place of employment. The lied/misrepresented themselves and said they were calling to verify employment then asked to speak to me. When i talked to them the lady called herself XXXX XXXX, did not identify herself or the company. She wanted to verify my address and wanted my debit card to make a payment on a payday loan. I said i will not do it at this time because i am at work. I also told her she can not call me at work. She said well you are not answering your other phone. She threatened to serve me papers at my place of employment. She gave me her number to call her back at XXXX to call her the next day. Once i left work i called her again to reiterate that i do not want her calling my work anymore and also i was never given the opportunity to dispute the debt and that In XXXX payday loans are illegal. She said i lived in XXXX at the time of the loan. I said that is false and that I lived in XXXX my whole life and i have never been to XXXX. The loan company made up false XXXX address. 
I was never given notice of the right to refuse. The also illegally obtained information about my new place of employment by lying to my previous place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Account opening, closing, or management

Complaint: My step-mother had XXXX. She had a savings account in her name only with my father as POD. There has been an ongoing feud between my step-mother 's daughters and my father. My step-mother 's oldest daughter had a POA ( Power of Attorney ) for her mother that was nullified on her death. She died around XXXX with an official time of death being XXXX on XXXX 2016 ( due to the time it took the coroner to arrive at her home ). While my father grieved for his loss, the oldest daughter withdrew all the money in this account and transferred it to her personal account. We notified the bank of her death on XXXX/XXXX/2016 and proceeded to close out the other bank accounts. However, the bank missed this account and kept it open. The final amount of money was transferred to the oldest daughter 's account on XXXX - 1 day after the bank was notified of her death. The {$4000.00} in the account disappeared and there was nothing left for my father upon his wife 's death. The bank was Bank of America and I believe they made a mistake by not putting a hold on all accounts in my step-mother 's name, which allowed her daughter 's to remove the money ( legally belonging to my father ) on the day of her death and the following days after the bank was notified of her death. Now Bank of America will not answer any of our questions related to this account because my father was not a signer on the account. My father has XXXX and can not speak for himself any longer. We have statements that show withdrawals from this account {$3500.00} on XXXX and {$470.00} on XXXX - all after my step-mother 's death. The balance on the day of her death was {$3900.00} and my father got none of this money. Is Bank of America responsible for restitution since they did n't put a hold on the account upon hearing of her death? Can we get our money from B of A or do we have to sue the step-daughters? The estate department at B of A will not respond to any questions - because my father was not on the account, but also because they know they messed up by not putting a hold on the account when they learned of the death on 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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public records suppressed from reporting as public information. All three credit bureaus are knowingly reporting public records information even after provided a letter from XXXX XXXX who provided the public information to the credit Bureaus. Method of verification or reporting is obsolete since suppression is in place. I have attached a copy of suppression letter

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 02/15/2016 about Debt collection (Medical) with Merchants' Credit Guide Company (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted XXXX Hospital several times now and this debt was removed from XXXX of the credit bureaus since they have no record of this on file for me. merchants Credit guide removed this debt on XXXX XXXX from XXXX and XXXX. I contacted Merchant 's credit who is reporting this still to XXXX and they refused to listen to me, were rude and told me they are authorized to continue to report this as long as they want. The representative said that XXXX Hospital is telling them to continue to report this. XXXX says they have done no such thing and have no record of anything owed for me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Date : XXXX/XXXX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX 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 11-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a widow and this is stressing me out both emotionally and physically. 
XXXX of all, when I call them, I get this recording, 'your last payment of {$1500.00} was made on XX/XX/2016 and your next payment of {$1500.00} is due XX/XX/2016 ' RED FLAG! What I was calling about was on XX/XX/2016 my statement said payment due XX/XX/2016. I made a XXXX payment. Then the XX/XX/XXXX statement generated said my payment was due XX/XX/2016, and I did not make a payment for XXXX. The XXXX payment took over XXXX weeks to get there. The statement generated on XX/XX/2016 says that {$8200.00} was XXXX ''. They have CASHED these checks. And I have when I sent them and they allegedly got them. I am on XXXX and I do n't get my check until the third Wednesday of the month. My payment takes most of my check. I got my XX/XX/XXXX check back because I did n't put the XXXX cents in where you write the amount. They charge me {$6.00} for certified mail, when I mail my payments certified, it costs me {$3.00}. I have got XXXX with a certified tracking number on it. They also charge me for property inspection, {$13.00} and they are NOT in California. They also sent back my XX/XX/XXXX payment because it was n't the {$12000.00} plus due. I they pay my property taxes and I feel that they are OVERCHARGING me. When I called them I got that recording I mentioned in the beginning and the person I talked to was in the XXXX, a XXXX. They charge up to {$19.00} to talk to a customer service person. He said that " I '' would have to call back to get the results. 
I have sent letters to them and no response. 
If I have to get a lawyer I am wanting Ocwen to pay the lawyer fees. 
It was in foreclosure I resolved that and have been making payments since.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: We sent American Express our Biling Dispute for XXXX domain name registration services, whom I have had an account with since XXXX. 

The charges on my XXXX XXXX that ends in - XXXX inXX/XX/XXXX are absolutely discpouted and I do understand the domain names would also be cancelled. 

XXXX was really awful when I contacted them, saying that I only had 3 days to have the cancels and refund done. And they falsely claimed that they had pre-notified me about the charges for these ( 3 ) :  XXXX.org XXXX.XXXX XXXX.net and cancel the names and Refund the {$180.00}. 

I am really angry with American Express, because they communicated in our statement datedXX/XX/XXXX that they are investigating, on the above and attached documentation, including proof that XXXX did cancel at least 2 of the above domain names after I asked, but refused to refund our Credit Card with American Express! 

2nd- The worst problem of all- AMERICAN EXPRESS DECIDED TO DECLINE COMMUNICATIONS WITH ME, THEIR CARD HOLDER. INSTEAD, THEY TALKED TO XXXX ONLY AND PLAY THEIR FAVOR AND NOT ONLY DECLINE TO PROVIDE ME WITH DOCUMENT ( NOT EVEN A LETTER ) ON WHY THEY COULD NOT ASSIST IN THE LEGIT REFUND OF {$180.00}. THEY ARE VERY SNEAKY AT AMERICAN EXPRESS! 

THEY ADDED IT INTO THE FOLLOWING MONTHS STATEMENT IN XXXX AND THEY ARE VERY DECEITFUL. 

PLEASE FIND OUT WHY AMERICAN EXPRESS WILL NOT ASSIST WITH THE FRAUD AS DESCRIBED ABOVE AND WHY THEY REFUSE TO HONOR OUR CARDMEMBER AGREEMENT. 

Please see 2 docs attached! 

Thanks! 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2012 Bank of America charged me {$750.00} for debris removal. Bank of America never removed any debris. After contacting Bank of America, I was told I was going to be credited the {$750.00} since it was a false charge added to my mortgage. Bank of America has still not yet credited the {$750.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Describe what happened so we can understand the issue ... 
I was granted trial payments for a loan modification in XX/XX/2016. I have made every payment on a monthly basis as indicated last payment on XX/XX/2016. I received notice that as of XX/XX/2016 I will no longer be in the loan modification program due to title issues. I have an attorney and we filed a claim against the person who put the fraud liens on my homes, the person defaulted. The problem arouse due to the company " XXXX XXXX '' hired to process the proof of service did due the service correctly as a result the case was rejected and I had to start over. I had him served again bay another company " XXXX XXXX '' in XX/XX/2016 and he defaulted and I had him served with notice to file default on XX/XX/2016. So now I need to wait 45 days before I can have the court order the default and damages. I have tried to make the mortgage payments in this month XX/XX/XXXX and they will not take the payments. I need more time to clear the title as described and I need to remain in the loan modification program. The reason it has taken so long is out of my control.

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 03/24/2015 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (CO).
Issue: Settlement process and costs

Complaint: I applied for a loan modification with Suntrust Mortgage. I qualified for an modification option to convert from an ARM to a fixed rate mortgage. I was 6 years into the mortgage. I am a divorced mother of XXXX and ex-husband was on original loan. In divorce he had to quit claim as I did on his property. 

Suntrust required him to sign modification application but then when presented with quit claim, allowed me to proceed without his signature. I have completed the 4 month trial period and loan mod docs have been sent to me. 

Problem : They are now requiring ex-husband signature now. He is an unfriendly/uncooperative party and is trying to leverage his signature with his lawyers for a percentage ownership in the property and other stipulations. 

Suntrust will not let me sign alone even though I made the application alone and the calculations were based on my income alone. I need them to be compelled to allow me to sign alone. 

If I ca n't execute this modification I will have to default as I owe 6k on demand to go back to the original structure. The ex does n't care about defaulting he has family money and many lawyers. Please help me compel Suntrust to allow my sole signature on this modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Credit card protection / Debt protection

Complaint: Capital One violated the FCRA 623 ( a ) Duty to Provide Accurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher " knows or has reasonable cause to believe that the information is inaccurate. Capital One violated the FCRA : Duty to Correct and Update Information. Capital One violated the FCRA : Duty to Provide Notice of Delinquency of Accounts. 
Capital One reported credit card account XXXX to credit bureaus after receiving written notices of disputes from me directly and disputes that I submitted to credit bureaus regarding this account. However, Capital One violations of the FCRA are denoted on my credit file for its reporting on said account without complete credit history which does not allow for the calculation of when the information will expire also Capital One continuously re-ages this account all in violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion is reporting inaccurate addresses, names, and SSN variation for my account. 

Between XX/XX/XXXX and XX/XX/. I have called Transunion several times. 

1. On XX/XX/, I sent a handwritten letter to Transunion ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

2. On XX/XX/, I sent a notarized typed letter to Transunion ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

I have sent 1 handwritten letter and one type notarized letter ( all  certified mail ) disputing incorrect addresses on my credit report and Transunion has failed to delete the addresses.

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 11/16/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX, 2015, my wife and I applied for a Home Equity Line of Credit with the local ( XXXX, GA ) branch of Wells Fargo Bank. The application was sent to Wells Fargo 's central loan office for processing and a XXXX XXXX was assigned as our loan officer.. 
On XXXX XXXX, we received an email from XXXX XXXX informing us that our application was declined and that we would receive a letter explaining this decision within 10 - 14 days. 
As of XXXX XXXX, 2015 we have received no such letter or explanation. 
In addition to being a violation of the Fair Credit Reporting Act, the lack of any explanation places us in a difficult position since we would like to apply to another financial institution for a HELOC but are reluctant to do so until we know why our first application was declined so that we can take corrective action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: this is a re-occurring problem. I made my original complaint # XXXX filed on XX/XX/XXXX. to review I was trying to get {$20.00} from my XXXX XXXX XXXX credit card from an ATM owned and operated by citizens bank which I have a banking account with and has had one with them for 50 yrs. anyway I went to the citizens bank atm machine onXX/XX/XXXX to get the {$20.00} and the atm said the action selected is not available at this time. please retry. so I tried again and I got an answer from the atm the available balance exceeds the available balance. so I went to the bank manager XXXX XXXX who told me he has no control over the atm. I was told by XXXX XXXX XXXX that citizens took the money even though they were made aware that I never to the money. XXXX XXXX XXXX says there is nothing they can do. citizens bank refuses to give me money they stole from me. somewhere the books at citizens bank should not have balance and that is why I say they stole the money from me. they have the money and wo n't give it back. it is STEALING. I got a call from citizens bank on XX/XX/XXXX about the original complaint to you and they still refuse to give me the money. they said I have to get the money from XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX told me I have to get it from citizens. well I think citizens bank should give me money they should never have stolen in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with SKO Brenner American, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Two people one saying they were calling from " XXXX XXXX XXXX '' and another from " SKO Brenner '' repeatedly call my minor child to collect a debt she does n't owe. To make matters worse they call her at school during her final exams in violation of the FDCPA. They 've also called myself, her mom, who also does not have any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit card () with DISCOVER BANK (TN).
Issue: APR or interest rate

Complaint: Credit Cards ( Discover went boosted to my SS # identified to XXXX print report. I want help blocking with consumer protection laws inhibited with this program. XXXX has XXXX credit cards with Discover monitored and video camera tracked to my knowledge from XXXX credit counselor/disquise fly over to help in cases clearing up credit reports. USDOJ judges winging help for counselors list research help from former match time and place issues conflicting with work managers : XXXX XXXX or XXXX and fly away to help cases when working with XXXX Forum.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX XXXX stated that XXXX XXXX verified the bankruptcy with the courts but per the letter I received from the courts that 's not true

Company response to consumer: Closed with explanation