milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX   XXXX  Navient or  XXXX   XXXX  at the time, put me in forbearance and never bothered to tell me I could get on a repayment plan, after the all my forbearance was used trying to get a job, they finally after almost defaulting and ruining my credit decided they would inform me of the lower payment plans, which I agreed to to avoid defaulting which was still difficult to pay, now in  XXXX  I was Ill and lost my job so now I have no forbearance because they told me to use it in  XXXX , so now I 'm behind 2 months and they harass me every hour of the day till I pay them or agreed to pay them on a certain date. And the lower payment plan is ridiculous still almost as much as a average car payment. It 's stupid they did n't even try to help me at all in fact it seems like they steered me toward using forbarence so they could take it away that option later as far as a loan servicer they seem to have no interest In helping you or do they seem like they care at all, they also like call with threatening phone calls dozens of times a day  XXXX  to  XXXX  every hour every day. They even have called my relatives and got aggressive with them people who have no business In the matter I 'm not even sure how they got there numbers

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint involves Ocwen Loan Servicing , LLC . The lenders payment grace period is the XXXX of the month. Due to recent Strike with my company I made my payment in full with late fee on the XXXX of the month, and only 6 days after the grace period I received a Remittance Information from Ocwen threatening to foreclose on my property if I did not bring my account to current. This may all be perfectly legal documentation but how fair is it for a company to send a threatening foreclosure statement when most statements of this sort are not even sent out until a homeowner has MISSED TWO PAYMENTS! I tried contacting Ocwen and they sent a document claiming that they are within their rights to send the form when payments are late. My complaint is that I feel their practices are shady, and they have late notices which appear to be misleading and unjustified, especially for homeowners like myself who are up to date on their current mortgage payments. I have n't MISSED a month before but I am concerned that whenever the time comes when I am late by a month, ( say during my current unemployment, that this company will throw me into Foreclosure before the two month grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stern & Stern. P.C. (NY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: this company keeps threating me harrasing me i dont know them keep on asking them to stop calling me they refuse there threating me to throw in jail please have them stop bothering

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 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 04/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was led to believe that job placement in my field of study was 100 % in racking up {$50000.00} dollars of school debt. That did n't materialize and ca n't afford this debt on part time jobs. I finished with honors. I believe that I qualify for a complete loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (IL).
Issue: Loan servicing, payments, escrow account

Complaint: my Mortgage company wants to double my escrow payment, I ca n't afford this. I believe there was an error on the mortgage company by allowing or not foreseeing an escrow shortage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX/XXXX/17 at XXXX EST, I withdrew {$2500.00} from my business checking acct. at the branch with a teller. On that same day at XXXX EST with the same teller, I deposited {$400.00} into my account. Both transactions are reflected on my account. After hours around XXXX, my account was debited by one of the tellers at the bank. The transaction shows as a 'Bank Originated Debit ' on my account. I went to the branch today, and XXXX XXXX XXXX gave me the explanation that the teller 'made a mistake by depositing {$400.00} into my account but at the end of the business day, they REMEMBERED that I had actually withdrew {$400.00} and that I had been given cash ' This is not true. The record shows that the {$400.00} deposit was made and the employees of the bank went into my account after hours and took money out of my account based on what they remember.

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 08-12-2015 about Consumer Loan (Vehicle loan) with DriveTime (UT).
Issue: Managing the loan or lease

Complaint: DT XXXX XXXX ( DriveTime ) financed my XXXX Jeep Liberty from XX/XX/XXXX to XX/XX/XXXX after which I fully purchased the vehicle and have title in hand, has begun reporting this as a " Repossession '' negatively to all XXXX major credit reporting agencies - significantly degrading my credit score and reputation. This may even impact a pending career promotion. See case number : XXXX that references me purchasing the vehicle and their delay in providing me the title due to a new documentation system. I find this distressing that they continue to cause me inconvenience now bordering on harassment by reporting this as a Repossession. I can provide, both " Release of Lien '' and " State issued title '' without lien holders as proof of my position and claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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: Morning .... 
My Experian credit report shows an employer that is unknown to me. I file
d two disputes with Experian and they are unwilling to correct. 
This employer is only identified by 'XXXX ' without any other details. 
A XXXX search comes up blank and Experian has/will not provided me with any further details of who this might be. 

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 non-monetary relief
Consumer complaint received 11-06-2015 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Settlement process and costs

Complaint: This complaint is about a re-finance of an existing home loan.  The refinance is through the company that currently has the loan.  They offered the re-fi the first of the year, I applied for and received it, I have the approval letter.  Usually, approval letters have experation dates of up to three months, mine specifically has none and the company does not like that, obviously if they have to sell loan at today's rate they would loose money on the deal.  Since the approval letter came, the agent  XXXX, has put of sending someone to finish the loan.  it has been Eleven months and they still have not done anything.  XXXX, XXXX Supervisor has repeatedly said they will work things out but nothing has been done.  They asked me to reapply, I asked, "At today's rate and will you have the oppurtunity to reject my application?"  He said that it was true and I told them that was not right and that since they made an original agreement they will honor it.  I told them that I was going to make a complaint to the CFPB but they acted like they did not care.  XXXX did not seem worried that I was  going to contact the Illinois Department of Professional Regulation where he must have his Illinois License through.  Carrington Mortgage Re-Finance out of their Florida Office is the place where XXXX and XXXX are located.  I have copies of the original application and the approval letter that show no dates of experation.  I think that they are just waiting for the year to run out so that they can again say, "Well, it is too late to fix anything now!"  About three or four months after I received the approval letter, and many phone calls to XXXX while he still worked at the California office, he admitted that the application had gotten lost on his desk but that he still wanted to work with me and get it pushed through even though he was moving to the Florida Office of Carrington Mortgage.  I was originally assured that this was going to be a smooth process but I was wrong.  All that I want is my original re finance to go through, that's it and Carrington has made it miserabble since they screwed up and hope that I will go away.  The last call, almost two weeks ago, was to follow up on a statement made by XXXX that he would check and see if the dates on all of the documents be changed and updated, would that make the loan go through but I have not heard from him or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Cashing a check without an account) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Deposits and withdrawals

Complaint: Bank in XXXX County NC, my mom cashed a check in drive thru. She went straight home counted her money and she was short {$200.00}. She went back they said she probably lost because she 's an elderly lady. Possibly said her grandson took it. I called the next day and the lady was real smart mouth with me and again accused my mom of mishandling her money. I asked if there were camera 's in drive thru and she said no. They claim the young man did n't keep the money but who 's to say when you do n't have cameras in that area. To me that tells them no ones wwatching. Now no proof. This is a bank handling people 's money. There should be camera 's in drive thru. She or any of my family will ever use your bank and they were not professional about it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: IQ Data International ( a collection agency ) promised to remove and " delete '' the collections account they had listed on my credit report, if I paid the collection company. Despite failing to provide adequate verification and validation or proving that I was liable for the account, I wanted to pay the full amount for deletion. I made sure that IQ Data International agent XXXX XXXX and agent XXXX XXXX understood that I would pay ONLY if they removed the negative account ( both verbally and in writing ). IQ Data International promised to remove and " delete '' the derogatory account from my credit reports once I paid the collection agency the total amount of {$340.00}, paid in full as agreed. 

Despite having paid the agreed upon amount in reliance upon IQ Data International 's promise to remove the derogatory account, they have not removed the negative account from my credit reports. In other words, IQ Data International lied when they promised to remove the account and breached their contract/ agreement and induced me to pay. 

IQ Data International debt collection company lied when they promised to remove the derogatory account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Payday loan () with Red Cedar Services, Inc (ME).
Issue: Can't stop charges to bank account

Complaint: Due to a medical crisis, I used poor judgement and took out an online loan with 500FastCash.com on XXXX XXXX, 2012 in the amount of XXXX. This amount was deducted from my checking account and it was my understanding that this matter was resolved as this was XXXX years ago. XXXX weeks ago, I began receiving threatening phone calls from this company saying I owe them XXXX. I have since moved out of state thus closing my account. I requested a statement from this company and XXXX weeks later I received a statement by email showing ridiculous charges for XXXX years. Although my balance was paid in full, I am told that additional interest was incurred. Additionally, as I had closed my account and transferred to an out of state bank, this company has continued to attempt to deduct funds and when denied as account closed by XXXX Bank, I am being charged for each transmission that was rejected for the last XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with R.A.Rogers, Inc. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a letter from R. A. Rogers Inc. around XX/XX/2017 that a bill was owed in the amount of XXXX plus interest {$140.00} = {$1000.00}. There was no documentation or paperwork sent to indicate that a bill was owed to R.A. Rogers Inc until this collection notice around XX/XX/2017. The letter indicated that I had 30 days to either dispute or pay the bill. I am currently writing a letter to dispute the bill. This is the first collection notice of XXXX that was received from this company. Companies should have periodic updates to ensure accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12/30/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credence Resource Managment keeps sending me letters that I owe XXXX XXXX bill but i do not!

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was notified by XXXX XXXX that there was XXXX new account cards sent out and wanted to verify the charges. The charges were not mine and our address had been changed along with our email address. I then looked at our credit report and noticed the address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX listed as an address of mine that is in correct. I have never lived there or do I know the person who is using this address nor my wife. Please look into this as I suspect this to be the person who made fraudulent charges on my XXXX XXXX credit cards.

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 10/26/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I have been receiving over XXXX calls a day from a Car Finance company that goes by the name XXXX located in XXXX NC. This company has been leaving very detailed information about customers loan status as well as personal information on my business voicemail. I have given the company a verbal and documented Cest and Desist letter. But I 'm still receiving the calls and even text from this company. The reps have stated they were given my business number as a number for personal contact. I know this to be untrue because my number is associated with my small business and the only reason to call it is for questions concerning my business. The numerous calls over and over and at anytime of the day and night is harassing and my next steps involve me contacting my local police department to file a complaint for harassing phone calls. I do not have any financial ties with this company and I would like them to be investigated about why there leaving other customers loan info on my business voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on X/XX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Application, originator, mortgage broker

Complaint: I recently submitted a request to US BANK to participate in the HAMP modification program. I had been redundantly asked to re submit information concerning my employment status because of a misfiling of the original paperwork. I absolutely understand having to clarify paperwork. However I do not and can not understand why I would be repeatedly asked to re submit the same information. Each time having changes in the demanded paperwork ie ; first request being for XX/XX/XXXX info then expanded to XX/XX/XXXX and XX/XX/XXXX ' or paperwork was originally requested to have acct # then expanded to acct # and physical signature. I currently have a high interest rate and it seems that the redundancy is simply defer and delay tactics by the bank to continue to get paid that high rate all while I absolutely do have need and qualification to modify. 
Thank you for your attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: On XXXX XXXX, 2016 I received an email at XXXX that my Citi XXXX XXXX credit card was compromised. The company stated that they would re-issue me a new XXXX for my security. I was able to use the one I had in my possession until the new XXXX came in. On XXXX XXXX I tried to use my credit card at XXXX of the merchants I usually purchase from and the card was declined. I called customer service and was told that my account was completely closed as of XXXX XXXX and they could not give me any more information. I was told to wait until a letter arrived in the mail from them. I called back later that night and told them that I had {$8200.00} accumulated in my cash back rewards that I had been saving throughout the year. I was told since they closed my account that I forfeited the amount I had been saving. I have never had a missed or late payment. I have been to a Citibank branch and have called numerous phone numbers and have not received any help in resolving this situation. All I hear is " wait for the letter '' and as of XXXX XXXX I have not received any letter explaining the closure of 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
Consumer complaint received 09/27/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Managing, opening, or closing account

Complaint: I reported this to the office of the MN State Attorney General and they have suggested I also report it to you : American Express Customer Relations XXXX, UT XXXX I requested a card at XXXX, which has not yet been received. So, I went to XXXX and purchased one in the store and put {$300.00} cash on it. 
XXXX on XXXX/XXXX/2016 TC # XXXX AMEX BB XXXX {$5.00} on receipt The physical card 's packaging UPC is XXXX Card # XXXX Valid Thru XXXX CID XXXX Because the one I requested online is associated with my phone number, I ca n't set the physically purchased one up online for my personal management. 

ISSUE # 1 I bought the card for the sole purpose of retaining services from XXXX XXXX XXXX. They attempted to charge {$290.00} and it was declined. I went back to the XXXX store and spoke with a manager. He said there 's a " hold '' while it transitions through the banking transfers. He checked the card balance ; {$5.00} remaining. 

There is absolutely no way for this " hold '' of {$290.00} to be received by XXXX XXXX XXXX. So, where is my {$290.00}? I am so disgusted with this matter ; I am reporting it to the State of MN and the FBI immediately. 

XXXX XXXX, MN XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I received a XXXX from PHH Mortgage Corporate for a charged-off mortgage. The XXXX is inaccurate. Specifially, box # XXXX ( identifiable event code ) is incorrect. Box XXXX current lists " XXXX or Policy to Discontinue Collection '' as the event code. However, this loan was part of my bankruptcy that was filed in XX/XX/XXXX and the home was later foreclosed on. Accordingly, the code should be reported as " A-Bankrupcy. '' The reporting is incorrect and I was unable to correct this by speaking with the customer service represenative, the issue was not able to be resolved. 

Further, there was a recovery of part of the debt due to the foreclosure sale in XX/XX/XXXX. Accordingly, the amount of chargeoff is less than the amount shown since much of the balance was recooperated with the foreclosure sale.

Company response to consumer: Closed with explanation