milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When I applied for loan through my college in XX/XX/2003, I was told by my loan company being XXXX that I would have XXXX loan for the full amount. They blatantly lied to me and actually issued me XXXX loans for the total amount. As I was making payments on XXXX loan the other XXXX were going delinquent and therefore affecting my credit rating very heavily and even caused the other XXXX to go into collections without my knowledge until it was far too late.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Credit card) with AFNI INC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was away for some medical treatment on Wednesday XXXX XXXX. I always leave my cell phone with a friend to answer while I 'm at the doctor. The call came in at XXXX XXXX. The phone rand and the caller ID registered as XXXX XXXX XXXX and the person at the other end of the line asked my friend XXXX XXXX if he was speaking with me. He replied no, said that I was ill and out getting treatment. My friend XXXX asked what the call was concerning, and the caller again asked if this was me and XXXX said no. XXXX asked again what this was in reference to and the caller finally told him that he was a debt collector calling to collect a debt for XXXX from a bill from several years ago. XXXX said he would not take a message and gave the caller my XXXX XXXX XXXX to submit the purpose of the call in writing to me directly. I contacted my lawyer once I heard this, and he said it 's illegal under the fair credit reporting act for a collector to disclose any information to a third party and he suggested i file a complaint here first. When I googled the phone number, it showed AFNI, who is a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On or about, XXXX 2015, I disputed a collection account XXXX to be inaccurately reporting, they sent me a response saying the account has been updated but nothing has been updated. I then requested that they remove the dispute statement which the creditor placed there because it Is no longer in dispute. This has not been corrected yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (FHA mortgage) with Statebridge Company (NY).
Issue: Application, originator, mortgage broker

Complaint: I should be at the end of the paperwork process with my loan servicer but my calls go unanswered and I believe they are stalling me to get my house.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Struggling to pay mortgage

Complaint: My ex mother in law XXXX XX/XX/XXXXand her house was left abandoned by her son. In XX/XX/XXXXof XX/XX/XXXXthe house was still sitting. My children wanted to live in grandma 's house and since my lease was up in my apartment I decided to see what I can do about that situation. I contacted my ex husband and he told me he did not want the house. I asked for the mortgage information so I can see what I can do to save the house. My kids and I moved in the house and I started to correspond with the mortgage company. I was told that I can assume the loan and do a mortgage modification. I was told if I qualify and complete the modification is when the loan can be assumed. I started the process. I got approved for the modification and was to make my first payment XX/XX/XXXX.. I received a call from PennyMac stating that everything was not approved yet in XXXX. I asked what about the payment I am supposed to make this month. The lady stated that I should not make a payment until I am approved. I stated ok and how will I know if I am approved. She stated that I will be notified in writing. I said ok and waited for the correspondence. I received a call at the end of XX/XX/XXXX concerning payments that should of been made XX/XX/XXXXand XX/XX/XXXX. I told the person exactly what I was told to me on the phone. She told me that call was a different department concerning the assumption. I told her that I was not informed of that and she stated that they were going to cancel the modification if I did not make the payments. I told her that I can make XX/XX/XXXX at that time and I will make XX/XX/XXXX2 weeks after that and she stated ok. I made the payment. There was a problem in the house in which I had to pay a huge amount to get something fixed. I explained to PennyMac this situation and was told that I needed to make payment for XX/XX/XXXXand XX/XX/XXXX that day. I explained my dilemma and they stated that they can deny the modification and I can reapply in 45 days. I stated that will be fine. I called in 45 days to reapply and I was told that they already put everything in for me to have assumed the loan so the loan was in my name. I stated how was that possible since the modification did not go through. She could not give me the details since that was a different department. So now they are stating that I have taken over the loan the was it was which was in foreclosure and past due {$20000.00}. I asked what I can do and I was told to come up with {$10000.00}. I explained that I did not have that kind of money and specified that this is not right that I was put on this loan under false pretense and she stated that she has nothing to do with that. I need help. I do not know what to do but I know this is not right possibly legal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (MA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: There have been 2 inquiries made on my XXXX XXXX report by Citibank XX/XX/XXXX and XX/XX/XXXX without my knowledge or authorization. Ive never attempted to open an account with this bank. Ive noticed this bank via phone and email on several occasions and have been given different answers each time. The last phone conversation was on XX/XX/XXXX and I was assured that these unauthorized inquiries would be removed. 2 months have passed and they are still on my file

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 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: on XX/17 I transferred {$7000.00} to my usaa card under a promtional 0 % APR good through XXXX XXXX XXXX. I made cash advances after that and then paid the amount or more of those cash advances XXXX weeks after they were taken. Those payments should have went towards the cash advances per the credit card act over my minimum payments since they are 14 % apr vs the 0 % apr on the other balance. Usaa is saying that because they have written in their credit card agreement that promotional rates are payed off before all other charges that they can ignore the credit card act. breaking federal law and are still charging me interest on my cash advances while my payments have been going to the original XXXX interest free amount instead of the cash advances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have the name XXXX XXXX on my report. I do n't know her.

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 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MA).
Issue: Unauthorized transactions/trans. issues

Complaint: Monies were unavailable for nearly two weeks. In addition, after finally being able to login to my account yesterday, the balances do not make any sense and there is money unaccounted for. There is no pending activity but I should have {$300.00} more than is in the account. I am also missing two direct deposits that occurred during the time. Customer support has not been helpful. I was on hold for hours and also sent a letter. I was told that there was " nothing she could do ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm in default on my mortgage since XXXX. XXXX commenced foreclosure action on behalf the Note/mortgage holder but did not produce the necessary documents to get final judgment to foreclose. Prior to foreclosure hearing in XXXX XXXX bank lawyers falsified mortgage assignment using former XXXX employees acting as XXXX vice presidents, filled another foreclosure complaint on my house under different Docket number ( dual foreclosure in another court, different town, different judge ) and had only copies of the Note and Mortgage. The servicer had no standing in court and had no authority to sue on behalf of the true owner of the mortgage documents. This fraud did n't work and judge ordered to bring all original documents the Promissory Note in particular in 7 days after the hearing or the case will be transferred to Foreclosure unit Supreme court in XXXX NJ where it was dismissed in XXXX for lack of prosecution. During this process I wanted to know who the owner of my loan is since the servicer did n't want to modify. The servicer, XXXX refused to identified to Note holder but few months later another law firm affiliated to XXXX told me its XXXX who has the loan. XXXX sold their servicing rights to Green Tree servicing LLC in XXXX XXXX and for unknown reason placed to payments to my mortgage in XXXX and XXXX XXXX which I discovered recently from my credit reporting agency. Green Tree merged with Ditech Financial. Another Foreclosure complaint was filled in XXXX XXXX and I filed motion to dismiss the case because the statue of limitation 6 years from the default and mortgage acceleration has passed at the time of complaint. The plaintiff and judge scheduled motion hearing and did n't invite me. I discover this misconduct and adjourned the secretly scheduled hearing to later date. I was called for another hearing less then 48 hours on my cell phone to come to the court and I was asked to call the plaintiffs attorney to show up as well. I refused and the court clerk call them! The judge denied my motion to dismiss the case stating there was no evidence of pre-foreclosure sale and no mortgage acceleration to make the previous foreclosure valid complaint. I have all evidence that the judge committed fraud upon the court and I need the CFPB to help me. Ditech states that they own the mortgage and the note but show no prove in court, therefore no standing in court. Ditech assured me that different rules applies to them to foreclosed.This is a great case of conspiracy, Robo-signing, Respa violation, several counts of fraud and due process violation. It 's complicated so please help! 
I have evidence for all accusation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has reported that I was XXXX times I 30 days late in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have never been late.please refer to my XXXX XXXX XXXX monthly statement, XXXX, XXXX cashed my payment of {$2900.00} on XXXX XXXX, they got paid XXXX, XXXX XXXX, XXXX XXXX got paid XXXX, XXXX they got paid XXXX, XXXX XXXX got paid XXXX as you can see i have never been late and Equifax is refusing to report correctness. Equifax was trying to sell me products, I refused so that 's why, which is totally unfair. I want Equifax to report correct information that I was never late.paid on time every time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with Interstate Recovery Service, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX.2017 Interstate Recovery Service contacted me about an alleged outstanding debt I had incurred from some sort of transaction that they can not provide me verification for. Something about magazine subscriptions. After contacting them and requesting any and all information pertaining to this alleged debt, they informed me that there was none. No receipts, no judgement, nothing. They could n't even tell me when this alleged transaction took place. I informed them I would not be paying the alleged outstanding balance of {$540.00}, and would report them to the FTC. They still would not provide me with any information at all. I looked up the company on the Better Business Bureau website and the very fist complaint was about something similar, magazines never received and on that case, accounts still requesting money after being closed. All correspondence with this company has a different address and a different phone number than the information given on the BBB website.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX ran my credit twice in a month. The second time I was not asked for permission or notified they were going to run it a second time.

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 06/24/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested for HARP two years back in XX/XX/2013 that time my home appraisal came for around $XXXX and i got HARP refinance. Almost 15 months back i requested for PMI removal but my bank Wells Fargo denied after doing and appraisal my my LTV was less than 80% which makes me eligible. Wells fargo bank wants me to pay them around $XXXX to get rid of $XXXX PMI. I contact XXXX who is backing my loan, they said Wells Fargo will do remove PMI as they are my servicer but Wells Fargo simply denied. Fannie Mae rep say according to my LTV i am eligible to remove PMI but Wells Fargo reps are very stubborn while they are only servicer. Please help me to remove my PMI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Multiple Bank of America accounts reported past due. Account reported open X/2006 with a balance of {$5500.00} is not my account, my BOA account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.

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 08-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. XX/XX/2014 they marked the payment late for 30 days when they received it on time for credit reporting on XX/XX/2014. Yet the statement shows received on XX/XX/2014 and processed XX/XX/2014. Something similar happened in the next month. The payment was due on XX/XX/2014. However that date was on a Sunday. XXXX processed on the Monday XX/XX/2014. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have been attempting to lower my payments with Navient for over the past year, they have told me no until recently.However, the payment they offered was still impossible to make. On XX/XX/2017, I spoke with my assigned specialist, XXXX, and made a {$50.00} payment. I was told by the XXXX that they were placing loan XXXX in to a 7 month forbearance since it was the most at risk of default. On XX/XX/2017, the payment cleared my account. Navient is not showing this payment in my payment history and all three of my private loans are still in repayment. Over the past several months they have sent me numerous letters indicating I am at risk of defaulting. I have made regular calls and each time I am told that they have been attempting to reach me for months, this is completely false as I continue to call them and attempt to make payment arrangements that are realistic.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Pioneer Credit Recovery has called my phone number over a dozen times. They are seeking information on a debt that is not mine. I have requested they stop calling but they have not stopped.

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 Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been with Citibank for a long time I have checking savings and 2 credit card accounts with them. Recently they closed one of my credit cards because I hadnt used it and I lost almost 30,000 thank you points. I was unaware of this. I do online banking and online my account is still there and I have no I do at all about the closure of that account and the loss of my points.

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 10/14/2015 about Debt collection (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Yesterday I received a call from XXXX at XXXX stating that my name was part of a complaint filed and I would be getting served. I needed to make available someone willing to sign some documents on my behalf. She said she was with a law firm. 
I called back and spoke to XXXX. She said I was being sued by check into cash for {$220.00}. Docket number XXXX. 
I told her I paid this debt last year/early this year. She stated I needed the letter. I told her to give me some time to pull my bank statements but that I never received the letter. 
I pulled up my records ( written and bank ) and saw where I paid {$100.00} every 2 weeks to XXXX XXXX XXXX. With the final payment of {$110.00} being paid on XXXX XXXX, 2015. I spoke to XXXX about this transaction. The number on my statement is XXXX. 
This morning I tried to call XXXX and no numbers work so obviously, I believe I have been scammed. 
I called XXXX this morning to ask her the name of her firm. She said XXXX Law. I asked if she could tell me the court the summons was filed in. She could not. I asked her who the process server is, she could not tell me. Her ext. Is XXXX. 
She asked for my email and said she would look into it. I gave her an email I do n't use. 
Now, I have to research XXXX and XXXX and hopefully can recoup my monies if I was scammed. 
Please look into both companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2017 about Mortgage (FHA mortgage) with GMFS, LLC (LA).
Issue: Trouble during payment process

Complaint: Me and my family flooded XXXX of 2016 in Louisiana. Me and wife started contacting our lenders to see if we could defer some of our payments to the end of our loans since we did n't have floor insurance and most of the expenses was going to come out our pockets. My mortgage company was glad to help with and promising us the payments that we missed would be put on the back of the loan. After one year later and three sets of paper work we had to send in and countless phone calls we finally got our modification paper. XXXX XXXX dollars and two years was added to the loan. When I question them about the add the balance they could only give me assumptions of where the add was coming from and denied me the paper work showing the add. If I would have known the headache and the fact of not knowing I was going to lose our home that we are raising our XXXX children in. Do n't trust GMFS mortgage company or XXXX. After losing all my belongings I was thinking I was going to lose my house too. We thought at the time that it was a blessing but turned into a nightmare.

Company response to consumer: Closed with explanation