milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated from school in 2010 and have never defaulted on my loans. My payment plans have continued to increase. Forced the first time in 2010 to pay XXXX $ to defer my loans for an additional 3 months. I then had to talk to several people just to get my monthly payment down because I could n't afford it. I ended up paying interest only on my loans until I went back to school for my masters ( where because my loans were deferred I paid off XXXX loan ). Once graduating I started to pay the max amount which was about XXXX $ a month ( variable loans so flucatuated month to month ). I tried for as long as I could to pay this as the interest only option was not helping pay down my loans and was n't giving me enough to my other monthly bills & federal loans. I called and asked if I can pay based on my income or file for economic hardship. I was told no that only applied to certain loans and with mine that was n't an option. Basically I asked what else I could do because I did n't want to default. Basically the only option was to go back to pay interest only which was still a high payment of approximately {$630.00} ( variable loans so vary month to month ) This was still a little high but I was not given any other options. So I am stuck now paying interest only for all of my Navient loans. Overall for all my loans I pay $ XXXX and have not been able to consolidate my Navient loans which have the highest interest rates and seem to have no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with SOUTHWEST FUNDING, LP (TN).
Issue: Application, originator, mortgage broker

Complaint: To whom it may concern, I believe that my mortgage company committed fraud to get my loan approved by forging my signature to XXXX documents stating that I did not have a car loan when I do. They are now trying to bully me. I have obtained an attorney but wanted to do my due diligence and report their actions to the property authorities. I have attached documentation to prove my case. You can clearly see that there are XXXX different signatures.

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 11-08-2017 about Debt collection (Medical debt) with EQUIFAX, INC. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX doctors in the amount of {$80.00} and it 's reporting on my Equifax credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX dba XXXX XXXX place a judgment on my credit. i have ask the company for 2 years to removed off my credit because it does not belong to me. after futher research i found out that the judgment belong to someone with the same name as mine but with diffent SSN, DOB and DRIVER LIC number. So i call the attorneys for XXXX XXXX XXXX XXXX and explain everything and they exknowlegde the fact that i was not the person that they thought i was. So they sent me a letter stating that XXXX XXXX IS NOT THE DEBTOR IN THE ABOVE CASE THAT WAS FILED WITH THE CREDIT COMPANY.So i sent the letter to Equifax and three times and started a investigation 3 times and they keep writing me back saying!!!!! item verified and will not remove. i have place three calls to Equifax and they still will not remove.I have a letter from the Attorneys that repersent Senteniel Real Estate that states XXXX XXXX is not the person in Question, also thats filed with the XXXX County Records Clerks office.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I will need to send you the information because it takes place over several years and will not fit in this space. Happy to provide it, just not enough room here. Thanks.

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 01/31/2017 about Consumer Loan (Title loan) with JPMORGAN CHASE & CO. (FL).
Issue: Can't contact lender

Complaint: I asked for a month extension, something I have asked for before. I was told I had to wait 12 months, I called back after the 12 months and got denied. I asked for a supervisor who started arguing with me over what the policy is, I just wanted 1 month extension to get back on my feet financially.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a phone call from a XXXX XXXX demanding me to pay a US Bank account over drafted back XX/XX/2003. She threatened to have a sheriff come to my work and serve me papers, now they have called my head boss at admin and told her that they want to serve me papers. I have spoke with our local sheriff who advice me to get in contact with you about what is happening. The contact number they have told me to call are the following : XXXX. Their address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. 

I want them to stop calling me ... this is very scary!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: After reviewing documents, I have discovered that A mortgage was given to my deceased father without my consent. I am also an owner of the property and since he is dead, no longer has any entitlement to said property ... nor does the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aldous & Associates, PLLC (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Aldous and Associates, a law firm in XXXX, Utah contacted me regarding a missed payment to XXXX XXXX. When I talked to them initially, I was n't aware of the missed payment so I told them that I wanted to verify this myself with my local Gym. I was told that I should n't contact XXXX and that if I did n't pay that day, I would owe even more the next time they called. I went to the Gym and paid the missed payment. The Gym even acknowledged that they should have contacted me about the missed payment but had not done so. The next day I got another call which I answered and was treated horribly by a supervisor named XXXX. He threatened me, told me to shut up, yelled at me and was generally rude. I tried to explain to him that I had paid the bill directly with Golds. He hung up on me XXXX times as I tried to explain to him the situation. He told me that he instructed me not to do that and I better pay right away. My husband called to object to the rude phone calls and asked them to stop calling. I continue to get daily phone calls from these people even though I have paid the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed chapter XXXX bankruptcy with exemption that I would reaffirm the debt of my American Honda finance motor vehicle and our. property service by XXXX XXXX XXXX I claimed as exempt was retained an pay as to contract.But both are closed in my credit report because of chapter XXXX bankruptcy which .I have never stopped making payments because they were both retained they were not part of the bankruptcy..No payments are been reported by either company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Case # XXXX. On XX/XX/2017 I sent XXXX of a bitcoin from my mobile wallet to Coinbase. Funds never appeared in my account. Coinbase customer support haven't responded to any of my emails and no funds in my account to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Delinquent account

Complaint: My husband passed away in XX/XX/XXXX. I just learned that there was a credit card in my name and he it closed in XX/XX/XXXX or XXXX. I never received any information that this card was past due, or that I owed anything on it. We lost our business, he was ill and passed away in XX/XX/XXXX. We were waiting for the VA to help out and he never received a XXXX. I had to sell my house at a huge loss after he passed away and manage to pay off the mortgage and other debt. Now I am trying to get a small mortgage and there is a XXXX write off on my credit report. I called them and they said they wrote it off and that I did n't owe on it. I did n't receive a XXXX but they soon sent me XXXX ( XXXX actually ) very promptly. I do n't understand why in four years I did n't know about this. I ca n't find any statements about this account and have been at the same address ( after I sold my home- my mother 's home ) and had the same phone number, so I feel there should have been some communication to me that I owed on this. Now I have to pay taxes on this, but with our business loss, not sure how much that will be. Now it will be on my credit report for 7 years. They have n't contacted me in 4 years, will I still owe this amount and can I get it resolved. It is showing up on my credit report that I am paying $ XXXX a month on this and I did n't even know about it. There is no way a lender will give me a loan and it really messes up my credit I have worked so hard in the past 4 years to resolve. He was a vet and some issues, but this is very hard for me to deal with and he is n't here to tell me what went on. They just wrote it off in XXXX according to my credit report, but I was talking to them in XXXX or XXXX about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage Company has lost and otherwise misapplied three of my mortgage payments over the course of the past six months, the most recent payment being my XXXX 2016 mortgage payment which was made on XXXX XXXX, 2016 and received on XXXX XXXX, 2016. 

Despite repeated attempts to locate my payment and sending proof of the payment by my bank to Freedom Mortgage, they continue to call me daily, send me threatening letters with late charges assessed and harass me. Most importantly, they are incompetent in servicing my mortgage loan. They have cost me countless hours of phone calls, waiting on hold and passing me from person to person without providing any answers as to the whereabouts of my payment. 

After calling them every day this week, they are telling me at the 11th hour that my bank sent the payment electronically and they ( suddenly and without notice ) are telling me that they " do not accept electronic payments ''. The only method for payment instruction that my banking institution ( XXXX XXXX XXXX ) has for them is to send the payment electronically. 

Now, after waiting an entire week, they are telling me that I have to go back to my bank and get them to track down the lost payment. 

All of this is beyond frustrating and not the first time that this has happened to me in my less than 2 years of having a loan with this incompetent company. They should be fined and put out of business. 

My next course of action is going to be to refinance this loan with another bank to get rid of them. I have the luxury of being able to do that. Many other consumers may not have the same ability. 

They are awful!

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 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am contacting your agency in hopes you can help me get my money back. I have paid several companies thousands of dollars for various online businesses related and XXXX XXXX XXXX XXXX was one of them. They took my money under false pretenses. I paid them with my MC ATT Universal Citibank card on X/XX/2016 for {$690.00} then another one at the same day of {$19.00} and another one on XX/XX/2016 of {$6900.00}. They promised me a second web page and a profitable online business. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfil their end of the deal. I know its been a while but I need your help in contacting my credit card company so they can open an investigation. I am seeking your help. I am in debt and all I wanted was an extra income. I hope you help me get my money back. Thank you

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 06-07-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: I am currently waiting on approval on a home mortgage. Everything was looking great and the process was almost through until we came to a snag. My credit report had to be pulled up again and it currently shows that I have XXXX late payments in XXXX, XXXX and XXXX. However, I called and spoke with Ally Financial personally and they assured me that there was not a late payment for XXXX since the payment is not due until the XXXX. I am asking that you please retract not only the XXXX late payment that is showing up, but also the XXXX and XXXX as well. I have been a long time customer with Ally Financial and have never missed a payment. The reason for this recent delay in payment is because I have had to make improvements on the house for the inspection to pass and loan to go through XXXX new roof costing {$2700.00} XXXX .Please consider this request. Owning my XXXX home at age XXXX has been a dream of mine. I hope you can help me with this. In order for that to happen my credit score has to come up and this is the only way it can happy. Thank you in advance for your anticipated cooperation. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXXXXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received numerous complaints from friends and family members that this company is contacting them several times a month. I do n't know how they have my friends and family members phone numbers, but it is uncalled for. They are feeling threatened and harassed. 
I researched the company and it states they are a collection agency for XXXX XXXX. I do not have a student loan with XXXX XXXX. Furthermore, my student loan is auto-drafted, so I know it is current and not in default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Debt collection (I do not know) with EXPERT GLOBAL SOLUTIONS, INC. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get repeated calls ( more than 5 a day ) from a company that shows up on my Caller I.D . as " NCO Financial Systems ''. Mind you, I signed up with " XXXX '' which intercepts robocalls. NCO Financial Systems ' calls are robocalls, because the phone only rings once, then stops ( this is how you know it 's a robocall ). But these calls from NCO happen all day, several times a day, and it is annoying. The calls start at XXXX XXXX, even on Sundays! I am tired of these calls ; when I try to put them on my " call block '' list, they just call from another number. The latest number they have called from is:XXXX. I just want these calls to stop!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: Synchrony bank now owns all of my XXXX consumer credit card accounts! 
In recent months, they have lowered ALL my credit limits down to the current outstanding balance! This shows I have used all 100 % of my revolving credit causing a financial catastrophe for me in relation to my credit score not to mention my creditworthiness for future financial necessities as well as my credit history! I do not know how this company can get away with treating consumers in this manner! I am of XXXX descent. My oldest card I 've had since XXXX. On the majority of them I have been making my payments on time, managing my balances to not use more than 50 % of the credit. The times I may have been late is when I have been unemployed- Currently am. After the credit reforms in XXXX I noticed Old Navy raised my minimum payment from {$90.00} up to {$280.00}! So I discussed with them to work something out, but as usual, they demanded payment or reporting me to the credit bureau. I have worked super hard since my divorce in XXXX to developed my creditworthiness, lift my credit score and done the right things as an educated consumer, but still are loosing against the bureaucracy of these deceptive and advantageous creditors who seem to circumvent every legal consumer credit rule to squeeze every cent they can out of us. Like limiting submission of payments to post to their websites by XXXX on the actual due date or they assess a late charge?!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our mortgage in XXXX XXXX. It was quickly sold to RoundPoint Mortgage Servicing. On XXXX XXXX, XXXX I first contacted RoundPoint to notify them my initial escrow deposit of {$3300.00} was missing from escrow. It took until XXXX XXXX, XXXX for the funds to finally be deposited. The agent I worked with told me no analysis would be done because the Initial Escrow Analysis from origination was accurate. The deposit is incorrectly credited on the account as a Hazard Insurance Refund. Today I went to make my XX/XX/XXXX payment and noticed the payment has increased from {$1200.00} to {$1200.00} - increase of {$9.00}. I looked further and realized on XXXX XXXX, RoundPoint performed a short cycle analysis effective for the XXXX XXXX payment. They are violating RESPA guidelines and are not providing at least 30 days notice of a payment increase due to escrow. I was on the phone with customer service for over 1 hour and am no closer to an explanation. The level of customer service I have received is far below the level anyone should be receiving. For example, on the phone today, the agent informed me the analysis was performed and payment increased due to taxes increasing, which is completely false. I was also advised that they received an insurance refund on the account, again false. I should n't have to hand hold every customer service agent I speak with to tell THEM what is happening with my account.

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