milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient Logo Document Upload We need a clear copy of the General Forbearance Request form. Attach documents by selecting a file and clicking the Upload File button below. To attach documents, select the browse button to find the document you wish to upload, then select the Upload File button. Once you have completed those steps for the documents you wish to send, select the Submit Documents button. 

Maximum Size : 5 MB ( 5,120 KB ) total per Document type. You can upload any number of files but the total size of all the files under one Document type can not exceed 5 MB. The upload is fully encrypted so please ensure uploaded PDF documents are not password protected. Note : We will not be able to process password protected files. 

Allowed File Types : JPG, JPEG, PDF, TIFF or TIF General Forbearance Request form The file you are attempting to upload is not in a format we can accept. Acceptable file types are JPG, JPEG, PDF, TIFF, or TIF. 


Browse -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This makes it virtually impossible to send anything to them as they refuse to confirm unemployment status with the state unemployment office. I have docs to send but every time I try, it says that the doc exceeds 5 MB which is too small of a restriction or that it is not in one of the 5 types above. Except for PDF, who uses those others for docs? And I can not convert what I have into PDF. They could choose to accept WORD docs but they don't want people to have that ease. This is intended purely to make getting a deferment more difficult and impeded. In addition, I already sent what they want as an attachment in a regular email, which they now claim they do not have. Plus how many poor and unemployed people really have a fax?

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with Home Point Financial Corporation (MI).
Issue: Closing on a mortgage

Complaint: please attachthis to the previous complaint i files day 6 of total chaos with my loan closing my loan was never closed propery last yur by same compoany and now having problems im subbitting all documentation and all files as now i have attourny working on it to they cant cloe on my home home poibnt financial which im working with now is same company did it last yr and never closed my loan properly still have a lien down at the county court hosue which i went down homepoint not even on there having a loan the tital compnay they used never did there job no im spending day and night my own time trying to fix this minumal XXXX from my lender they should be getting documents and calling everything was done on my end right and to the T this is frustraing i attached emails prob ten there over 50 over all this callled titalle company that had last yr there saying its lender respenc homepoint court saying home point respnsiblity attourney saying homepoint respponsibliky It is thye close my loan they were suppose to take care of this

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 10/17/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (IL).
Issue: Trouble during payment process

Complaint: LOAN WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CLAIMS DEPT XXXX. 
our mortgage was sold off from XXXX XXXX to this banking institution. 
we had some storm damage to our home. our XXXX XXXX policy will cover the damage with no problems and have been very helpful. This company now wants us as a home owner or our XXXX XXXX XXXX to pay for them to send out inspectors to inspect the home once work is complete. so we have to come up with {$100.00}. When I discussed this with our XXXX XXXX agent he said in 25 years as an adjuster he never heard of a home owner having to pay for a inspection fee nor as an insurance company. 

I think this may have some legal ramifications and need help from an agency to check into this customer gauging. Can you assist or get us to the correct party? 
. 
Thank you XXXX family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Home equity loan or line of credit) with POPULAR BANK (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I did not renew my home equity line of credit with Popular Community Bank. I have had a {$100000.00} line of credit with them for many years with a zero balance. I informed them in writing 3 times and by phone once that I do not want to renew the line of credit. They continue to bill me {$78.00} for a service I do n't want. They have not responded to any of my written communications with them.

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 monetary relief
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted TRANSUNION 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the  Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have accounts that have been disputed and I have never gotten any reponse back have sent tin police reports and everything needed and nothing has changed. I have disputed several items and they are still on reports. some of which are fron many years

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 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2016 a final payment was authorized and paid on my XXXX account. The debt was settled and I authorized no other payment, letters are attached stating the arrangements. On XXXX XXXX, 2016 RPM illegally debited my checking account in the amount of {$470.00}, this account was paid in full per there settlement offer.

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 12/30/2015 about Credit card () with STERLING JEWELERS, INC. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I was at Kay Jewelers in XXXX XXXX, FL and the salesman asked me if I was a rewards member. I replied no, but was interested because I wanted to get my girlfriend a pricey set of jewelry. The man said that with the rewards card I can also finance some of their products too. I believed that was great but I did n't want to take out any credit cards, so i asked the man if it was a credit card, or if it will affect my credit. The man assured me that it was not a credit card, and that it is only for financing in store, so it wont affect my credit. I was like OK great, let me sign up. I later in the month check my credit through an online credit checking service, and my credit score had gone down about XXXX points due to a new line of credit and a hard inquiry in my credit.I did not solicit a new line of credit and i was not told it was going to affect my credit, the salesman said rewards card that also allows for financing. I specifically did not want to touch my credit because I plan to buy a car and I wanted my credit to be good not XXXX points lower.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have had this Capital One credit account for 17 years and 3 months. It is the oldest account on my credit report. I have called numerous times over the past three years requesting that they send me a new card so that I can utilize it. With no response by mail or phone, I have still not received the card. Today ( XX/XX/XXXX ) when checking my account I have noticed that they had cancelled my account. I promptly called and asked why my account had been closed. They stated that I have not used my account for 36 months and that they have closed the account on ( XX/XX/XXXX ). I asked how I was able to use the account when I have not received the replacement card that I have requested. They admittingly said that they had sent mail to a different address but not the one that was currently on my account and received returned mail. I asked if they could just send me a new card at this point and reopen the account since it was an error on their behalf. Granted I had not received a letter of account closure and I had called only three days since they closed the account. They stated that they could not because of the fact that the account has had no activity. At this point, I am confused about why this is my fault or issues when there was an obvious mistake on their part. I also do not want my credit score to be affected being that it is the oldest card in my history. I am very prideful in my credit score that I have attained and would like to continue to retain it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Medical debt) with Quality Asset Recovery LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX has sent a debt that should have been paid by my insurance company to QUALITY ASSET RECOVERY in XXXX, NJ. I am not sure why there is a balance of {$1300.00}. The service dated listed is XXXX XXXX 2014. I do not remember being at the hospital and if so, it should have been paid by my insurance company. I believe this debt is not mine. I need help with this debt because it is ruining my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My minor child used my credit card for over {$12000.00} of unauthorized charges within gaming apps through XXXX. When I initially reported the unauthorized charges, I did n't even know it was my child that had done it ; Citibank said we were not responsible for the charges. They refunded some of the charges and then declined to remove any more stating that we are responsible for misconduct of the child.

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 monetary relief
Consumer complaint received 01-07-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a collections letter from Convergent Outsourcing Inc. for a {$2000.00} debt to XXXX. I do not have a XXXX account and this letter appears to be a scam. The company has offered to settle my non existent debt for {$700.00}. This company address is listed in WA but the collections letter was mailed from XXXX MI.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (WA).
Issue: Trouble during payment process

Complaint: My spouse and I have had to have you intervene on several occasions concerning our home mortgage in the hands of Ditech Financial, LLC, and their incorrect reports of us not paying our mortgage payments, charging us copious late fees, threatening foreclosure on our home, reporting this incorrect information to the credit bureaus causing damage to our credit, etc. This company continues to remove all of the incorrect information when you get involved, only to turn around and do the exact same thing within 3-4 months. They are now claiming that we 're 3 months in arrears, claiming we did n't pay in XXXX of XXXX, XXXX of XXXX and XXXX of XXXX, which we have cashed checks from the bank to prove otherwise. And the continued late fees they continue to add onto our account is insane when you consider this is their accounting error. 
Not only have we made every single payment ( as our complaints before ), but we 've paid every single payment early. At this point, they are also trying to get more money from us by sending us letters regarding our escrow balance being too low, which is incorrect as well. We 've had this problem with Ditech going back to XXXX of XXXX, where they applied our XXXX ( XX/XX/XXXX) and XXXX ( XX/XX/XXXX) payments both to the month of XXXX ( XX/XX/XXXX ), as they admitted on many occasions. This became an issue when Greentree sold/merged with Ditech and we are simply sick to our stomachs having to continually deal with their fraudulent reporting/record keeping. This has caused medical conditions to flare up, costing us more and more money as well. 
We believe Ditech needs to be shut down, we 've read the countless complaints others have posted, including losing their homes to this company from their fraudulent practices. Enough is enough and something NEEDS to be done. We can not even refinance through another lender because of these problems!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2016 I had funds in my account Td Bank charged me overdraft fees XXXX times. XXXX $ XXXX {$320.00} my negative balance at the moment is {$280.00} meaning I do have my own money there and I did have money there the same day " it went to negative '' as Td Bank claims. Their customer service is ridiculously rude, they sound like bunch of scam artist at the branch and over the phone. I 'm a new customer with this bank, I just wish I did n't switch over to them from XXXX. When i checked my balance it was showing my remaining balance for example : ( {$100.00} ) so this ( ) means that its negative? Never seen this done at another bank. Usually if an account is negative you will see it in red with a - {$100.00}. I 'm very upset with this situation, I have no idea where to get help with this matter. Went into the branch they did n't help me out, called Td Bank they did n't help me out, asked for a supervisor she did n't help me out. I have no idea what to do, this is not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (TX).
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: Consumer Financial Bureau XXXX XXXX vs. XXXX XXXX  XXXX XXXX XXXX XXXX Title Department XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX ( XXXX XXXX XXXX XXXX ) VIN # : XXXX To whom this may concern : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Due to not wanting a car note, I decided to borrow money from my 401k to make a cash purchase. Myself and my cousin went to the bank to cash the check and to make the transaction. When I arrived back to XXXX XXXX XXXX, I was asked by a female sales associate to follow her to another location XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX to finalize the sale. The female also stated, during our conversation that she was part owner of both locations. Myself and my cousin waited in the lobby for about 10 min before being called to the office finalize the sale.
<P/>
I paid XXXX cash and had a balance of XXXX which was set in installments of two payments. I made one payment but when I returned to make another payment, both locations were permanetly closed with no forwarding information. I then filed a complaint with the DMV who investigated my concern. The DMV shared with me that both auto shops were in current litigation and provided me with the phone number to XXXX XXXX. I contacted XXXX XXXX, XXXX  XXXX who then asked that I complete an affidavit and have it completed and notorized before my title and plates are released to me.
<P/>
After returning the affidavit as instructed, I waited several weeks and did not hear back from XXXX XXXX. When I called, she stated that the attorney asked that I send a short email detailing some specific parts of the sale. XXXX XXXX also asked about a section of the affidavit that I accidently overlooked about whether or not I had knowledge or participated in any fraudulent business practice or nefarious activity involving both XXXX and XXXX XXXX.
<P/>
Over the last 5-6 months, I have provided XXXX XXXX XXXX with all documents pertaining to my purchase. The documents included : Bill of Sale, Bank Statements etc ... After waiting several weeks and no follow-up from XXXX  XXXX, I gave them a call. I was then informed by XXXX XXXX that I would have to provide a summary of the entire transaction. I completed the summary and forwarded it as requested. On Thursday, XX/XX/XXXX, I contacted XXXX XXXX  who stated that she have no update for me. XXXX XXXX has refused release the title/plates to my vehicle or provide me with updates. As of today, I am no longer able to get another temporary tag for my car. XXXX XXXX XXXX failure to release my title and plates as caused hardship because I am unable to drive the vehicle to doctor appointments and to work.
. I pray that this matter will be resolved swiftly without further delay Regards, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Transworld Systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Transworld Systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Unable to get your credit report or credit score

Complaint: Well Fargo refuse to report to credit agencies payments made to account call number of times get same response for pass 6 months going into 7th month as I file this complaint your mediation will be greatly appreciated

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 05/25/2016 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (CA).
Issue: Settlement process and costs

Complaint: I am having massive issues with HomeBridge Financial Services , Inc . The loan processing times have been lengthy with consistently wrong paperwork in terms of costs, payoff, and cash required to close. I signed the final documents only to be told 4 days later that my loan had to be redrawn at a lower payoff amount because they failed to get accurate payoff numbers ( I had made 2 mortgage payments of which they were advised ) because they had a limit on cash that could be returned to me and could not use the cash to pay down the principal on the new loan. It has now been another week and half and I have been presented with a new CD that has the same payoff and loan amount as the previous documents that I signed with more wrong numbers to fill it in. The loan would fail again. I can not get them to provide a correct estimate or a correct CD and they do n't seem to want to correct the errors in a timely manner or at all. I have supplied correct payoff information and correct numbers through my finanical rep and there is NO reason for these delays or incompetence. Please tell me how I can close my loan and make them do their job. Meanwhile I am paying alot of daily interest to carry this loan. We estimate my loan amount should be in the $ XXXX-XXXX range and lender insists it is much higher. Payoff is {$310000.00} through XX/XX/XXXX. With the credit negotiated for my loan the payoff amount meets the same as the loan amount nearly. I dont understand why this is such a ridiculous process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XX/XX/2007 I put my student loan in deferance while going through a divorce that ended in foreclosure of my home. During that time, XXXX sold loan to ACS. At the time I owed {$1500.00} ish. With penalties and interest, my loan when to {$5400.00}. I 've been paying consistently the {$57.00} per month but I feel that the penalties and interest which almost tripled is accessive. When asked if the could reduce for a full amount pay off they said no and that I would have to reach out to the Department of Education for options. Do I have any?

Company response to consumer: Closed with explanation