milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was struggling to pay my student loans with Navient. I paid two payments to Navient with one being {$260.00} a month. I applied for some different repayment plans through Navient onXX/XX/XXXX I received a quote for a much lower payment plan and put in an application. On XX/XX/XXXX I got a bill for {$360.00} a month. I never signed anything agreeing to a new cost nor did I confirm I wanted that new monthly payment. Navient was incredibly vague and purposefully confusing on the phone. Navient said that the quote I received online is just an estimate and actual payments would vary. I asked why I was n't able to approve this change before they asked for higher monthly payments and never received a direct answer. I am baffled at the fact that I put in an application to lower my payments and they raised my payment without permission. had to spend a month trying to get my monthly payment back down closer to what it was. I got it down to {$280.00} a month and had to accept that was the best I was going to get.
I also received a correspondence saying : Unpaid principal balance {$40000.00} Unpaid interest to be added to the principal {$0.00} Estimated interest over the life of the loan {$44000.00} Estimated total loan amount {$85000.00} The fact that I will end up paying twice the amount of my loans by the time I finish my payment schedule is appalling, and I have two batches of loans with Navient.
I have been on forbearance several times but was never told about income-driven plans. I have missed important updates such as late fees and missed payments from previous ordeal due to Navient 's vague wording during communication and voicemails. These struggles are just the beginning of the issues I have had with Navient.
I still struggle to pay my student loans and now i 'm afraid to try to lower my bill again due to the sneaky way they raised my bill. Since then I have defaulted on my loans and we had to take out a home equity loan to pay our student loans. We hope to pursue legal action against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Credit card) with National Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection agency is attempting to collect on a debt that I satisfactorily paid off a few years ago.The collection agency has XXXX the price owed and has negatively placed this collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have recently received a notice from HSBC Bank USA , NA, dated XXXX XXXX, 2016 that the servicing of my mortgage is transferred effective XXXX XXXX, 2016 to another mortgage services company ( XXXX ). The notice further states that no payments will be accepted after XXXX XXXX, 2016. My mortgage payment is currently auto deducted from my account with HSBC Bank USA , NA and this has been stopped. 

However, I also received a monthly mortgage statement from HSBC Bank USA indicating that my mortgage payment is due effective XXXX XXXX, 2016 and that the payment should be mailed to HSBC at a XXXX XXXX XXXX XXXX. 

My concerns are : 1 - The fact that HSBC has given only 15 days notice of the transfer of servicing, which is not sufficient time for consumers to be aware and make alternate payment arrangements. 
2 - The fact that they have discontinued my automatic deduction ( which ordinarily is deducted around the XXXX of the month ) with less than 60 days notice for me to make alternate arrangements. 
3 - The fact that HSBC has continued to bill me for a mortgage payment, which they have notified me that they have transferred, which they should no longer be able to do. 

Simply stated if the bank is unable to make the necessary arrangements in 15 days and continues to bill consumers, then why are consumers expected to make alternate arrangements in the same period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I used to have a bank account directly with the bank of America on  XXXX  CT, They put me under a suspicions fraud call ed black check list after I deposit a check from my husband that used to have an account with them also and it was n't the 1st time  I deposited a check of him in my account but this time they decide to cancel my account and put it under suspected fraud activity that has cost me lots of problems that I cant even open a bank account no more and currently I 'm trying to buy me a house and that has come across even after I notarized a letter with my husband present and took it to the bank of America where I had my account when all this deal happened saying that he gave me permission to cash that check in my account regardless off they still put me thru that list and sending back my husband check for the yearly taxes return, than I get a letter from   XXXX   XXXX   explaining to me that I was put under this black list for 10 years because of that even though I show them proof that my account was n't been used for fraud, last time in     XX/XX/XXXX   I sent a letter to bank of America to review my case and delete me off that list later on they reach me back saying that it Was n't possible for them to take me off the list never mention any reason of why I 'm on that list.

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 07/14/2017 about Debt collection (I do not know) with Pinnacle Asset Management, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: After being discharged from bankruptcy on  XX/XX/XXXX  . This particular law firm that harassed me all through the process was able to go back to the courts and claim that they have tried to reach me through mail and had sent the marshals to serve me all in the months of  XX/XX/XXXX   thru   XX/XX/XXXX  . None of which is true. I have lived in the same complex since   XX/XX/XXXX  . They claim is I owe {$1400.00} for a apartment where I once lived. This was in my bankruptcy. They have contacted me back then through different agencies. So since they made claim that they tried to contact me, they were able to have a Judge place a judgment lien on me. I only learned of these actions through a credit monitoring account I have. By the time I found this out it was too late. How ever I did reach out to the firm that represented me before and was told that he would try an get to the bottom of this and get it straightened out. But I have had no response from him. My rights have been so violated. I went thru all the steps required in my bankruptcy, and still this firm who has no regard for my rights have gone after me under cover and won..!!! What do I do..??

Company response to consumer: Untimely response
Consumer complaint received 01/27/2018 about Debt collection (I do not know) with Atlantic Recovery Solutions LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello, Someone named XXXX XXXX & XXXX XXXX, from a company called Atlantic Recovery Solutions has been calling me, my husband, my sons, and they even called my XXXX mother 's house and asked for her trying to collect a debt that I know nothing about. I have not received any documentation from them. I don't know who they represent. XXXX XXXX has even impersonated being an attorney. They have left several messages on my phone, my family 's and friend 's phones. They have told my family and friends that I owe them money and that their calls were an attempt to collect a debt. They've even repeated the last four digits of my SS # number to my husband and son. They've had a machine ( Robo ) call us too. The number that shows on my caller ID is XXXX but their actual number is XXXX. They are harassing us and I don't even know who they are. I have several dates and messages saved on my phone. I want them to stop calling us. My mother XXXX away a few years ago. We are still mourning her XXXX. To call her house and to ask for her, in an attempt to collect a debt that is not hers, is deplorable and they should not be giving anyone my SS #. These people are out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (I do not know) with Check Security Associates, LLC (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A company identifying themselves as XXXX XXXX XXXX has been contacting my family members, including the cell phone of my XXXX year old daughter, either speaking to them in person or leaving messages, sometimes as many as XXXX a day to locate me regarding a 'bank issue '. They have provided my family members an account number and told them they will be filing proceedings against me with XXXX XXXX XXXX. The phone number they provide is XXXX. When calling this number back you are sent straight to a recording telling you to enter an extension number with no identifying information and then if you hold there is a message telling you just that you reached the extension number XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other service issues

Complaint: 1. On XXXX/XXXX/15 I sent $ XXXX Western Union XXXX XXXX XXXX my son in college there. Apparently it was not picked up. 
2. Western Union kindly sent me an email stating that funds were not picked they included the last digits on the trucking number see attached. 
3. i Responded by telephone : requesting to send it to the agnt through which I 'd wired it. Not acceptable unless I presented a proof of trucking number. I was not able to locate the receipt. I conitnued to meet their requirements to recover the funds. I faced more demands of requirements last requirement to provide oicture ID, Address, see attached.No+ results

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In XXXX 2017, Bank of America took adverse action by unilaterally [ without consulting me beforehand and without a hearing or notice before the account was frozen ], by closing/freezing my several bank accounts with them, for all three-credit card, savings, and checking-after over ten years of loyal patronage with them as their customer and cardholder. 
I followed up with them throughout the months since then, the latest was in person in XXXX, NY at the XXXX XXXX Branch, but they refused to reopen/reinstate my account or let me open up a new account. When asked from time to time, during my appealing and petitioning, they said it was a 'business decision ' but did n't elaborate further.

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 03-11-2018 about Money transfer, virtual currency, or money service (Check cashing service) with DFC GLOBAL CORP (CA).
Issue: Unexpected or other fees

Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX claims that I owe a debt of {$420.00}. However this was a mistake made by XXXX XXXX. The debt wasn't mine until I attempted to pay a portion of the debt for a friend. XXXX XXXX claims that the debt was switched over to my name and the process couldn't be reversed. So XXXX XXXX called several times in an attempt to collect the debt that I do not owe. 
When contacting XXXX XXXX the second time I was given different information. Now XXXX XXXX then claimed that the debt was over a check that was never cashed. So I do not know why I would have to pay {$420.00} for a check that had a stop payment placed on it and was never sent through XXXX XXXX in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Medical) with United Collection Service, Inc (FL) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent United Collections certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once againthis alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we refinanced the house located at XXXX, Ca XXXX. My Name is XXXX. The loan was for {$320000.00}. It was with XXXX ( which is now Wells Fargo Bank ). There was another loan on the property for {$170000.00} by Wells Fargo Bank. 
This {$170000.00} first was never paid off in escrow. Thus since XXXX, we have had two loans on this property. The total of these two loans was {$490000.00}. Our house was never worth {$490000.00}. Thus since the time we refinanced our property, it has been 100 % upside down. 
We have spoken with Wells Fargo to correct this problem, however, have not received a satisfactory conclusion. The {$320000.00} loan number is XXXX. 
Now there is a sale date of XX/XX/XXXX on this house. We have been working with numerous people at Wells Fargo. They stated that the sale date has been suspended, however different websites state that the house is still scheduled for auction on XX/XX/XXXX. We have been providing information necessary to keep the house. My immediate request is to remove the XX/XX/XXXX, sale date. My goal is to keep the house. We are in need of a work out program that will allow me to stay in the house. The {$320000.00} loan has been in 2nd position, due to the fact that the {$170000.00} loan was never paid off. This has caused reputable harm on my credit as well as financial hardships. 
I have received payoff information on both loans. Thus, remove/forgive the {$320000.00} second position loan, leave the lower amount loan, first position, of {$170000.00} which is not being foreclosed on. In a letter dated XX/XX/XXXX, Wachovia admitted the loan of {$320000.00}, was in 2nd position. Remove the sale date of XX/XX/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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: I have submitted countless verification letters to XXXX and Transunion in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX agency. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.

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 07-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I contacted XXXX XXXX on a closed acct closed on XXXX, XXXX, 2011, that i was a co signer on and i asked that the negative be removed from my credit because it was causing a hardship. They said they were keeping it for XXXX years. I would like this removed the loan was paid off and it is causing my family a hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Student loan (Non-federal student loan) with Genesis Lending (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX XXXX, XXXX Genesis loanI was forced to get the Genesis loan just so I could stay in the student dorms, and then halfway through the school year they made me pull more money out because they said there was n't enough to finish out the rest of the year, saying that if I did n't either get the loan or come up with the money I would n't be able to finish my entire XXXX of school, I was also forced to pay my loan while I was in school and they took it from my monthly allotment before they gave me my student loan check each month, there is almost no way to postpone payments without defaulting, they say you can lower your payment but there is no way to have a true forbearance on the loan and to top it all off, after I get out I find out the school has been sued for falsifying employment and strong arming for students into loans

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with ENCORE CAPITAL GROUP INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Midland Funding is currently reporting XXXX collection accounts to all XXXX credit reporting agencies. This is not my account. The accounts ( XXXX, and XXXX ) that were sold to Midland Funding are not my accounts. 

The XXXX and XXXX accounts were reported fraudulent/stolen and I was told they were closed when I originally discovered them. For some reason they were reopened and sold to Midland. I was never made aware of it. 
Midland has never sent me a letter advising me of the debt ( which would be disputed because they are n't mine ), nor have they called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Called in to customer svc to make XX/XX/XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the 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 explanation
Consumer complaint received 04/17/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax continues to report inaccurate information on my credit report in regards to XXXX XXXX XXXX. I have submitted a request for re-investigation with this credit reporting agencies and this is my third attempt to get this inaccurate information removed from my report. There are multiple inaccuracies in this reference to XXXX XXXX XXXX. First, the delinquency data is inaccurate as the date of delinquency was in 2011. Second, the balance owed is inaccurate as the balance is {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from the company indicating that they are in possession of this debt. The Fair Credit Reporting Act states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which XXXX XXXX XXXX is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.

Company response to consumer: Closed with non-monetary relief