milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Student loan (Private student loan) with Equitable Acceptance Corporation (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The company XXXX/Equitable Acceptance Corporation is a scam. Here 's why. 

I received several calls on my personal cellphone over the course of 2 months from the phone number ( XXXX ) XXXX but never answered. A machine left a voicemail each time on my phone stating " You have an urgent issue with your student loan account. '' I would log into my student loan account and nothing was wrong. 

On XX/XX/2018 at XXXX I received a call from ( XXXX ) XXXX and they left another voicemail but this time is was an actual person talking. They said " Hello this is XXXX, and I would like to discuss with you a reduction in your student loan. The federal funding of supporting any weight or balance of your loan may expire very soon ... So it's pretty urgent that you give us a call. '' At XXXX I gave them a call back and they mislead me to believe that I could qualify for a reduced loan payment along with a 10 year limit to my payments. After 10 years, the government would forgive my student loans. They said I would only have to pay {$30.00} a month for 10 years with a {$49.00} recurring fee for the first year. XXXX sent me the paper work in an email and I signed. The company name on the documents was XXXX. 

I later realized after talking with my boyfriend I was scammed. This student loan service was going to take a down payment of {$270.00} from my checking account and a recurring fee of {$49.00} a month for a service that is free from the government. Thankfully I caught this before the 3 day cancellation policy.After 3 days of signing they would not be able to cancel the service. The forms and paperwork are all attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I originally applied for loan modification, but was denied, then I agreed to a repayment plan and the rep ( XXXX XXXX ) who is RM on file and he said he would get the repayment plan approved by his manager and get back to me. 20 days later still have not heard from him, I called several times left message and other reps in the department said he would have to help me, then took his manager number who is XXXX XXXX, left her message and still havent heard back. They are very unprofessional, my loan is in foreclosure accruing more fees everyday but yet no one cares to return my call and help me get out of deafult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have contacted XXXX about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. 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 06/14/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: I opened a lifegreen checking account on  XXXX . I called to inquire about the details of account promotion and was told that i needed to have  10  transactions take place in the first 90 days of account opening and i would get {$400.00}. I did this ( 9 debit transactions and  1  direct deposit ), but now am told i do n't qualify because it had to be 10 debit transactions - not  10 t ransactions total.     I am disappointed because i took notes on exactly what i had to do. I inquired with regions and was told they would do an investigation. When i inquired again about the outcome of the investigation i was told that they might or might not tell me about the results of the investigation. This does n't make any sense to me on why the ca n't tell me what they found when they went back to listen to phone records.

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 01-03-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX i made a large lump sum payment of XXXX towards my mortgage with chase bank. they gave me a loan modification to start paying in XX/XX/XXXX i have asked Chase 2xs to convert my loan to my original terms to start paying my mortgage in XX/XX/XXXXinstead of XX/XX/XXXX. since i made a large payment in XX/XX/XXXX i have called on XX/XX/XXXX they put in a request for this for this a work order. 
i waited to hear from Chase no response, so i called again on, XX/XX/XXXXand i told chase that i wanted a recast of the modification to start paying my mortgage in XX/XX/XXXX not XX/XX/XXXX this time they gave me a Reference # XXXX and they said they would have to recalculate principal and interest i said this is great. and they would put in a work order. as of today XX/XX/XXXX i still  have not heard from chase on this recast of my mortgage loan payment. i want answers why they are not responding and giving me the recast of my loan, and they are ignoring me and discriminating me as well. this response from Chase should only be no more than 3 days to get this amount figured out.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Problems when you are unable to pay

Complaint: I was paying the amount regularly for several months. However, I got very sick and could not pay anymore. 

The remaining amount owed should constitute the interest/penalties and other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (FHA mortgage) with BB&T CORPORATION (OH).
Issue: Trouble during payment process

Complaint: I closed on my Mortgage in XX/XX/XXXX. When i closed I received an initial escrow disclosure and calculation showing the the distributions from my Escrow account would occur in the month they are due ( XX/XX/XXXX and XX/XX/XXXXfor taxes ; XX/XX/XXXX for hazard insurance ).
BB & T purchased my loan in XX/XX/XXXX and changed the accounting method used by my old services without sending me an updated account statement within 60 days of the date of transfer as required by 12 CFR 1024.17 ( e ).
Additional, the accounting method used by BB & T is in violation of 1024.17 ( c ).
When BB & T sent the annual account escrow, the company 's listed XX/XX/XXXX and XX/XX/XXXXas the distribution date of Ohio  taxes and XX/XX/XXXX as the date of distribution date of my hazard insurance. All three of these obligations are due in later months and were not paid until by BB & T until later ( Public records show BB & T paid my property insurance in XX/XX/XXXX and XX/XX/XXXX ; my insurance company received its Hazard insurance payment in XX/XX/XXXX ). 

This accounting by BB & T attempts to create a Cushion that is in excess of 1/6th of the 12 month total to ensure that they can make disbursements when they see fit. Rather than when due thus never having to use the cushion as it was designed to make " disbursements [ that are ] made before the borrower 's payments are available in the 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
Consumer complaint received 06-01-2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: Quicken Loans arbitrarily and with absolutely no notice on XXXX XXXX, 2016. At that time Quicken 's representative, XXXX XXXX XXXX, informed me via voicemail that my preapproved loan was being withdrawn with notice. XXXX XXXX stated that new TRID guidelines were forcing Quicken to withdraw all preapprovals and force borrowers to go through another round of the very painful process on re-applying. Why did they not do that back in XXXX? 

Given the insane profitability of their industry the most reasonable explanation is that they want to generate another round of fees. 

Quicken has damaged my credit score. I am now forced to apply elsewhere, with the resultant loss of credit score points because of the inquiries. The result is potential financial damages due to higher interest rates. 

Quicken has also put my corporate relocation benefits in jeopardy. QL is who XXXX relocation services referred me to. I am working under a deadline ... QL has forced me to start from the very beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Billing disputes

Complaint: this is the second time i have contacted you. FIa was asked by me when they closed my accounts due to BUSINESS decision to eat my balances. i claled today to check was told to call a XXXX XXXX number that just asked me for my money that is not what i asked. so no letter or call to date has resolved it. i feel i should NOt have to pay the remaining balance due to how they treated me and closed my accounts. i will not endure any other adverse impact either to 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 monetary relief
Consumer complaint received 05-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XXXX   XXXX ,   XXXX   sent  7 pages of documentation to Synchrony Bank Creditor concerning 'Denial of Credit Card due to " Credit B ureau Report is NOT Accessible '. I requested from Synchrony best timing for me to 'temporarily remove the freeze on my   XXXX    cr edit bureau files ' -- which I 'm guessing was the reason for Credit Bureau Report  is  NOT Accessible '.      XXXX   XXXX ,   XXXX   receive an 'form letter ' response a 'standard ' letter that clearly indicated no one had even looked at the information I had sent ; but at least there was a phone number  XXXX  if I had more questions. Seeing my question had n't even been addressed at all in the 'standard ' letter Synchrony Bank had sent, at least I could talk to a real person. When a  XXXX  assumption of my part. That number leads to : " You just won a  XXXX  cruise, you just won a {$20.00} Visa card, you just won a  XXXX  ... ... Do n't say 'YES ( i.e., do n't hit #  XXXX  ) ' to select anything you just won and you are disconnected. Call same number back and " that phone number is not available in your area ''. ( The exact same phone number just called and the number provided by Synchrony Bank Customer Service Department.  XXXX  Bottom of their letter with 'bad ' phone number has #  XXXX ,  XXXX   XXXX   Guess  that is their code for 'sucker '!!!  Does  Amazon know what shysters they are dealing with?

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 09/29/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX,2017 I 've decided to make things right showing proof to Nelnet student loan just took over my student loan by writing checks from XXXX - XXXX post dated showing what I could pay well unexpectedly events happen that left my checking account little that Nelnet started processing my checks I know that if they waited a couple of days my direct deposit would have solve the problem but no they kept processing more then XXXX leaving my checking account from a XXXX negative to almost a thousand negative I was devastated and left with nothing and have XXXX daughter 's to support I was miserable felt violated I called them as they say it 's up to the treasure not only did I called but sent emails a few times to stop processing my checks no response.The only thing in my name that was on good standing my child support direct deposit all of it to the mistakes I thought was doing right. I never recover from it. My whole life I had people take advantage of me and it never stops I 'm a single mom I 'm trying to get my life back at the same time care for my XXXX XXXX XXXX dad and look out for my older brother fortunately family has helped but it does n't fix what I had.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I vacated my old apartment on XXXX/XXXX/2015. I provided to the apartment my forwarding address where the balance of my deposit should be sent. I never receive any from my old landlord. I started to receive call from the collection agency ( XXXX XXXX XXXX ) asking to pay an alleged debt regarding this matter. I told XXXX that I was not aware about the debt and I needed more details. I visited my old apartment to find out more about the matter. Unfortunately, I found that the apartment did change the name. I asked my lawyer to write to the collection agency to request more information. While I was still waiting for the answer, which came today, the collection agency XXXX XXXX XXXX report NEGATIVE INFORMATION on my credit report. I attached mails I exchanged with the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made XXXX application for credit at my local XXXX dealership and there are XXXX hard credit inquiries on my credit report rather than just XXXX inquiry. This has lowered my credit score considerably. The credit reporting agencies do not provide a method to correct this obvious error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted XXXX in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, XXXX, and Transunion. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, XXXX, and Transunion. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.

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 11/26/2017 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: Account status incorrect

Complaint: My credit report shows an old XXXX XXXX account # XXXX that was opened on XX/XX/XXXX with 30/60/90/120 late months after never having missed a single payment. I had a  flawless payment history. The reason for these late erroneous late payment marks are due to when I had moved my office in XX/XX/XXXX and despite updating my records with both the post office and the creditor, I never received the statements in the mail. It was n't until I noticed that I had not received anything that I contacted the creditor asking what was happening. They told me they would resend the statement and that the late fee would not apply because of the " confusion ''. However another month went by where I still had not received my statement and was forced to call in again. Furious, I called again and was told that there was no record of my previous calls! I asked if the statement could be faxed but was told that was not possible but that they would make sure to send it once again. I asked if it could be expedited since the holidays were approaching but was told that this was not possible. Sure enough the holidays came came and went, even a new year was celebrated and I had not received my my statement in the mail. I called a final time in XX/XX/XXXX and asked to speak with a supervisor. A man name " XXXX '' heard me out and apologized for the trouble, however when he confirmed the address, they still were sending to the the old address! Once again I provided the new address and finally received it in the mail early XX/XX/XXXX. I do not believe penalizing me for something outside my control is fair, especially having a flawless history.

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 01-10-2017 about Consumer Loan (Installment loan) with Omni Financial Group, Inc (CO).
Issue: Problems when you are unable to pay

Complaint: I defaulted on a loan with OMNI Financial around 2013. It was a military loan where they take out a monthly allotment. The value of the loan was probably around {$4000.00} at the time of default. Now they charge me an unfair late fee of {$180.00} a month which over 3 years has now become over a {$13000.00} debt. I believe this is ridiculous and unfair for the service member to even attempt to repay. I would be more than happy to settle the loan at the original amount but I m not willing to give into this crazy markup of late fee 's. I Do not know if it is even legal for them to charge an 80 % interest rate on the loan and than add a 50 % mark up on the payment. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XXXX/XXXX/XXXX, I noticed that one of my checks ( # XXXX ) had been debited from my account for the second time on XXXX/XXXX/XXXX. I called SunTrust fraud department to let them know and explain that the check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. They opened XXXX # XXXX. 

On XXXX/XXXX/XXXX, I noticed that another check ( # XXXX XXXX on a different account had been debited from my account for a second time on XXXX/XXXX/XXXX also. This check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. I called back to SunTrust and explained all the details above and that I needed for these checks to be returned either as duplicates or stale-dated items and my funds returned to my account immediately. They started a fraud claim XXXX. They informed me that I should have the funds back in my account with 2 business days. If more information was needed, they would contact me within 15 calendar days. 

Additionally, I went to the XXXX XXXX office on XXXX/XXXX/XXXX and was unable to resolve or get funds credited back to my account. Again, I requested the funds to be returned to my account and the request was denied. 

After being given wrong information from the various customer service personnel - being told that it does n't matter how old the checks are and that the funds had not previously cleared my account, I am not sure that they are aware of how to return checks or fix their error. 

I do not know what else I need to do to correct this problem. I feel that I should have the funds back in my account as I have proved to them that they were previously paid and can not understand why there is such a delay in correcting the bank 's error on my account. I am concerned that this may happen again in the future while they are taking their time in crediting my account back. I am trying to close these two accounts, but do not want to close them until my funds are returned.

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 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: To Whom it may concern, I have a student loan under Navient, and these last few years, the payments are extremely high, I am not working at the moment and not able to afford the UNPAID interest. I am very concerned with this, because my loan started at XXXX and now is up to XXXX- plus. My loan is in Forbearance, a long time now, and I cant afford to pay this crazy amount. I think its very unfair, please someone look into this matter, before my credit is DESTROYED!!!! I contacted Navient to discuss this matter, and no help was offered, they just want MONEY!!!!! they do n't care about anything else.

Company response to consumer: Closed with explanation