milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2018 about Student loan (Private student loan) with SLM CORPORATION (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is my second complaint. Sallie Mae is ridiculous. 

I spoke to a rep named XXXX who could not reach my account manager. I have never actually spoken to the account manager supposedly dealing with my account. Never, and the last 4 reps tried to contact her. 

XXXX after listening to my questions said that yes I was given incorrect information multiples times regarding my loan and apologized on behalf of his coworkers. 

I was transferred to another rep, I could not catch his name, but we spoke for an hour. 

He offered me a TRMP plan where for 2 years I have a 2 % interest rate and payments are automatically debited from my account. I hated releasing my banking info because knowing them they will pull when they want and act like they haven't, but after 7 months of fighting this is all they offer. My cosigner is long gone, so it is just me and I have no options. 

The rep stated that I MUST pay {$240.00} on the same day, the XXXX, to keep a delinquency report from happening. So I did, leaving me with less than {$40.00} for the next week and a half. I have been eating 1 meal every 3 days because of this. 

Amazingly enough I was notified that my credit was hit by Sallie Mae for missing my payment, 3 days after it went through. 

They are unbelievable liars and scammers. They do not care about the wellbeing of their borrowers and say whatever they can to get you off the phone fastest. 

It has been well over 15 days and they still have not replied to my first complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Advertising and marketing

Complaint: I made on line reservation on XXXX XXXX, 2015 on XXXX ( XXXX ) to stay at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX for a stay from XXXX XXXX to XXXX XXXX, 2015. 

Upon arrival at the XXXX XXXX at noon on XXXX XXXX, I found the hotel under extensive renovations which was noted on the hotels web site. When I walked into the lobby there were painters painting and I informed XXXX . XXXX the day manager I could not stay here because how paint fumes effect my breathing. He told me that they would charge my card anyway. 
I went and stayed at another hotel in the area.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax breech : Now I have to freeze all three credit report accounts for {$10.00} each.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Medical) with ESCALLATE, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is medical and was supposed to be takin care of by my active insurance.There is no proof of we 're this debt is from or y it was n't taken care of by insurance. I would like all the information on this debt and the true collector and origin of the debt.

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 12/14/2017 about Payday loan, title loan, or personal loan (Payday loan) with EMPIRE FINANCE CO LLC (OK).
Issue: Struggling to pay your loan

Complaint: Got a small loan through XXXX XXXX and lost my job they did n't work with me took me to court I tried paying it and just could n't make the payments they want i got a new job and they keep calling my work place even after I have ask them to stop now I am about to lose my new job.

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 Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I received an email from Experian based on the outcome of CFPB complaint XXXX that I could view my credit report online. Upon visiting the website and entering in the details requested, I am unable to view my credit report online.

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 08/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Bank of America charged a {$35.00} overdraft fee for insufficient funds to pay themselves their own $ XXXX monthly maintenance fee. In other words, I did not have {$12.00} in my bank account, so they charged me {$35.00} when they billed the $ XXXX monthly maintenance fee, bringing my account to $ XXXX overdrawn. I called and complained but think that this is a scandalous policy that needs to be both revisited and revised.

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 08-08-2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Other

Complaint: I was trying to place an order on Amazon and was having trouble with the Internet ; because of this Syncb/Amazon made an Inquiry on my credit report. I did not apply for a credit card of any kind and I want this Inquiry removed from my credit report. This was all accidental due to problems with Internet. Please help get this Inquiry removed from my credit report.

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 08/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, we closed our mortgage with XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX personally visited a XXXX XXXX branch in XXXX XXXX, Florida, to make the corresponding mortgage payment. After seeing the bank teller searching and inquiring about our loan, XXXX XXXX was told that we did not have a mortgage account with the bank. After speaking to a bank officer we were given very limited information, simply that our mortgage had been " transferred to another mortgage institution. On or about XXXX XXXX, XXXX, we received a letter stating that the servicing of our mortgage loan had been transferred from XXXX MORTGAGE? 
( we had never done business with XXXX ) to Litton Loan Servicing LP. After, a few months of doing business with Litton, our monthly mortgage payment continued to consistently increase. It became obvious that we were the victims of a predatory mortgage. The victimization done to us by Litton had a very significant impact on our family. This Litton loan mortgage, that we had never signed for nor agreed to was now causing significant adverse impact on our lives. The mortgage was inappropriate for our financial situation and grossly over-priced. Although, we attempted to negotiate with Litton on multiple occasions to develop remedies to the situation, their lack of flexibility and insensitivity to our needs, proved this an impossibility. Litton 's purpose was to foreclose on our property. We were advised by a financial counselor to seek legal assistance concerning our mortgage. My wife and I hired an attorney, in an attempt to negotiate a mortgage agreement with Litton. After approximately two years, of negotiation and paying approximately {$27.00}, XXXX to above referred to attorney, an agreement was not reached. In addition, to being victims of predatory lending practices from XXXX XXXX, and Litton Loan Servicing we were also misrepresented by the law firm hired to negotiate with Litton. It is interesting to note that during the initial closing of our property on XXXX XXXX, XXXX, the final loan amount was {$400.00}, XXXX. Earlier, this year ( XXXX ) we received new loan mortgage documents from a company ; OCWEN, with a total outstanding loan mortgage amount in excess of {$750000.00}. Approximately in XXXX XXXX XXXX suffered a devastating XXXX XXXX. Around the same time XXXX XXXX XXXX, became unemployed. After the devastation caused in both of our personal lives, XXXX, separated and are currently undergoing divorce procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Mortgage (Conventional home mortgage) with CIT BANK, NATIONAL ASSOCIATION (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This complaint is based on my attempt to obtain a conventional home mortgage loan from OneWest Bank, a division of CIT Bank. The loan officer pre-approved me for the required mortgage amount upon submission of relevant financial documentation. I also electronically signed and acknowledged the CIT Privacy Policy. A copy of the same is included herewith. As stated in the privacy policy, CIT does not share personal information with third party non-affiliates. When the mortgage application was sent over for underwriting, I received an additional credit authorization form. A copy of the same is also included herewith. The new credit authorization form requires the applicant to authorize release of personal information to any third party non-affiliate the bank chooses to do so. I was told I can not restrict sharing this information or decline accepting this condition. Based on talking to my legal counsel, it appears this indirect attempt by CIT Bank to force customers to authorize disclosure of personal information to third party non-affiliates may be illegal. I was urged to report this matter to the CFPB for further investigation. Considering the second authorization was disclosed only after the application goes into underwriting, most applicants may in the interest of time provide their consent. I value my privacy and protection of my personal identifiable information. Had to find an alternate lender who never required me to provide a similar third party disclosure consent. My closing was delayed by over two weeks and the sellers insisted I pay for the holding costs resulting from the delay. Would never have proceeded with the CIT Bank mortgage application if they had disclosed the second credit authorization form along with the original privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I found an article on the internet that described a citibank consumer promotion. The promotion was open a new checking account, deposit {$15000.00} and leave this deposit in the account for 30 days, then leave at least {$10000.00} in the account for an additional 90 days and earn a {$400.00} cash bonus. 
I contacted citibank, talked to a banker on the phone because there are no branches in Minnesota, said I wanted to enroll in this promotion ( citibank 's promotion XXXX ) and opened an account and deposited {$15000.00} on XX/XX/XXXX. 
After 30 days I withdrew some of the deposit but left {$10000.00} in the account until XX/XX/XXXX ( 90 days ). Before I withdrew this money I called to check I would still be in compliance with the terms of the promotion and was assured I would be. When I asked for a conformation letter to this effect I was told the rep could not send me letter but do n't worry. 
Over the last 90 days I have talked with several citibank customer service reps and several supervisors and was assured I was in compliance with the terms of the promotion and would earn the {$400.00} bonus. 
Supervisors I talked with were XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX who opened an inquiry into the situation, case XXXX, and several other reps. I was assured the bonus would be paid after XX/XX/XXXX. 
Today is XX/XX/XXXX and I still do not have the bonus. 
I called again on XX/XX/XXXX, reached a supervisor named XXXX and was told since an inquiry was opened it would take 45 more days to resolve the inquiry ( first time I had heard this ) and the promotion might not be targeted for me ( first time I had heard this ) since I might not be the target audience for the promotion. 
Several times during this period I asked for a letter confirming the offer and was always told they could not send me a letter but do n't worry everything was fine. 
During this period when I asked to talk with someone with more authority ( since these people were giving varying pieces of information ) I was told this was impossible. 
Several times I was told to go to a citibank branch and talk with a banker but pointed out this was impossible since there are no branches in Minnesota. 
I need help to get an answer. This is feeling more and more like a scam. It is a case of big international bank vs. little consumer.

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 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am Submitting in Writing All My Proper IDENTIFICATION ... .INCLUDING MAIL RECEIVED AT MY ADDRESS. MY CERTIFIED MAIL SENT INTO All XXXX CREDIT BUREAU 'S and the C.F.P.B. In XX/XX/XXXX which I still have the Hard Copies of the Packets with Each Receipt and Verified Signed for by Whom Sent to ALL PARTIES. I had All the Proper Identification etc. needed but I have HAD NO RESPONSE TO ANY Of This Or Any FOLLOW UP. Submitting Again in XX/XX/XXXX all Correspondence needed for My Complaints Filed XX/XX/XXXX & XX/XX/XXXX Including the Proper Identification Needed to Take this SERIOUS..!!! 
Here are the Four COMPLAINT FILE # 's Case Number:XXXX ... ... ... ... ... ... ... .... Case Number:XXXX ... ... .... Case Number:XXXX ... ... ... ... ... ... ... ... 
.... Case Number:XXXX I am Not Allowing this to BE IGNORED AGAIN ... .after 1 1/2 YEAR DILIGENTLY Addressing and to Consume All My Time of Nine Months ... .Enough is Enough. 
I have More than SUBSTANTIATED DOCUMENTS to PROVE INCORRECT REPORTING AS WELL AS FALSIFIED DOCUMENTS of Reporting on MY CREDIT BUREAU FILE. 
If this is Not CORRECTED within the next 2-3 WEEKS, I Have been through so Many 30 DAY INTERVAL of Awaiting Responses for NO CORRECTIONS Being All PROCESSED. 
YOU Leave Me With the Only Other Alternative to Take ALL this to the XXXX XXXX XXXX Who Has Already Expressed Wanting This Information. I AM NOT GOING TO BE TOLD THAT THE SYSTEM Is COMPUTERIZED IN ASSESSING OUR FICO SCORE. 
It Has to BE Programmed by a Human, so When Our Scores are DELETED Due TO INCORRECT REPORTING or FALSE INFORMATION SUBMITTED BY A CREDITOR OR COLLECTION AGENCY and then Explained about how the System does our Scoring, DEDUCTS but Can not ADD It BACK AFTER YOU Have Proven with SUBSTANTIATED DOCUMENTS Incorrect, I am not BUYING THIS CAN NOT .... ADD MY SCORE BACK That Was WRONGFULLY DEDUCTED. THIS IS NOT ONLY UNJUSTIFIABLE but VERY DEMEANING To Any INDIVIDUAL. I EXPECT TO GET MY SCORE REDONE ( XXXX ) not to Receive Some Lame EXCUSE that it Ca n't BE Done ... Then YOU Need to GET THIS PROBLEM CORRECTED TO ADD BACK The SCORES WRONGFULLY DEDUCTED. 
I know I am Speaking and Supporting Other Consumers who have been Unjustifiable Treated the Same Way.

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 06/29/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I went to XXXX XXXX College in 2007. I withdrew after one month of school. <P/>I am pursuing an XXXX degree and i received information from The Dept of Education that Navient/XXXX XXXX placed a student loan from 2007 in default. I called XXXX XXXX/Navient at phone number XXXX. I advised them I have not received any communication about these loans and I did n't receive notification of default. The loans are not shown on my credit report either. She advised me I would have to call Pioneer credit because the loan was sold and if I was a clearance letter I would need to pay XXXX because the loan had collected over 9 years of interest. <P/>I would like to know why I never received notifications about this debt and all of a sudden I was put in default after 9 years. <P/>I was advised Financial aid covered my tuition at XXXX XXXX College. Per the school board there is no balance owed.

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 10/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX Credit Allocation Check which is at least enough or almost enough to pay this debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-05-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I have been trying to contact this company for the longest with trying to resolve this issue. They would never answer the phones ; I have also sent them plenty of letters at address XXXX XXXX XXXX XXXX, XXXX, PA XXXX and I also have been calling telephone number ( XXXX ) XXXX. When they first begin to call me I use to get people yelling through the phone telling me that my credit will stay bad if I do n't settle with them now. I would get calls back to back to back but now the phones call have stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with Total Card, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Total Card Inc. that represent the client   XXXX   XXXX   XXXX   XXXX   charging me for a debt of   XXXX   that is not mine.
The date of the letter is   XXXX   XXXX  , 2017, but I just received yesterday and it says the original creditor is   XXXX   XXXX   XXXX   /   XXXX   XXXX   XXXX   XXXX   XXXX  .
I never had an account with   XXXX   XXXX   XXXX   or   XXXX   XXXX   so I don`t know why I am being charged.
I called  XXXX  and they don`t explain anything for me, they transferred my call to several people and no one can explain what this charge is about.
I also called TOTAL CARD INC. that represent the   XXXX   XXXX   XXXX   XXXX   and they also did not know to explain to me what is happening, they just told me that the name in the letter is someone else and they ask me to ignore it, but this charge is in my name and my address, I can`t ignore it!

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We were making regular payments to Citibank for a HELOC. 
Payments were automated using our bank 's online bill pay system. 
Payments were made every month, on time. 
However, Citibank changed the amount without informing us. 
Then they reported a late payment on the account which severely affected our credit. 
Be the time we were notified, Citibank already reported a late payment the the credit agencies. 
We immediately corrected the amount and brought the account up to date and then asked Citibank to remove the credit report since they did not notify us of the changes in time. 
They denied our request. Our credit score suffered because of this miscommunication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: We have lived in our home for over 10 years. We survived through the barrage of foreclosures in our neighborhood. 2yrs ago we applied for a modification loan with our lender HSBC. While we were going through the process, we had XXXX - XXXX different loan officers. It took forever for us to receive the modification packet. Once we received the paperwork, we immediately signed, had notarized, and mailed back in. About 6 months ago we were notified by our Bankruptcy attorney ( paying on a Chapter XXXX ), that HSBC submitted {$30000.00} in back payments, late fees, interest, and legal charges. When I contacted them, they stated that we were actually never approved for the initial modification loan. This was a new loan officer. I asked how we had been paying the modification amount for 2yrs, without any contact via phone or mail, as they had all of our current contact info. To this day he still has n't answered that question. Now they are offering us another modification loan, including the extra {$30000.00}, making our mortgage payment more than it was when we XXXX got our fixed rate. We 're being punished due to someone on their end dropping the ball on our XXXX modification loan. Our modification amount went from {$1000.00} to {$1600.00} a month. Our home is only worth {$160000.00}, but now we owe {$220000.00} after we have been paying mortgage for over 11yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We just received a letter from this debt collection agency stating that we owe to the company we used to rent our apartment from. There was no correspondence from the rental agency about any money owed, and they even kept our {$800.00} damage deposit without any explaination. This rental agency needs to be reprimanded for taking advantage of it 's renters.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation