milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I wish to add my name to the ongoing lawsuit against Navient. The former XXXX took over my already-excessive student loans from when I attended XXXX ( an institution already shut down for defrauding its students, including me ). Navient has continued for years to over-aggressively demand massive payments on these loans which should have been written off already, demanding *multiple* payments of up to $ XXXX on a monthly basis, despite my dutifully sending in a request for forbearance. 

I am the victim of fraud, twice over now, and deserve unconditional relief from these debts. Navient 's greedy harassment must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX my husband and I purchased a home in XXXX, The mortgage went thru XXXX  XXXX XXXX. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO quick claim deed executed. In XXXX my ex-husband remodified our home loan with Bank XXXX XXXX without my knowledge, consent or signature. The signature page on the mortgage paperwork has a line for my signature but my signature it not on the paperwork. The loan was changed from a 30 year loan to a 40 year loan without my signature. 
The mortgage loan on our this property has since been transferred to Seterus Inc. 
XXXX XXXX XXXX wont talk to me because the mortgage has been transferred to Seterus and Seterus says that they are not responsible because the remoificatation took place with XXXX XXXX XXXX. 
I am now being held financially responsible for a 40 year loan that I did not approve or sign for.

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 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: rush card promised to have pay roll and government checks direct deposited and posted and available 2-days prior .last week i didnt receive my direct deposit until the day of my pay day. this week i have not received my direct deposit at all i am paid weekly wednesday by my employer but my initial pay day is friday. my employer sent my pay but rushcard has given me every excuse and even hung up on me on occasions because i asked for a set date and time frame i should have my money. they even told me to go to a money pass atm because the money is there i did my balance still says XXXX im behind on bills, i have no groceries, i cant pay my son school fees. i need and want my money NOW or im forced to cancel my services i cant take this weekly my rent is about to br due so is another pay period i refuse to give them XXXX checks that i cant access an use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Original creditor is XXXX. I joined XXXX ' in XX/XX/XXXX. The agreed upon terms were a forgiveness of the original debt and removal from my credit files from all three ( XXXX, XXXX, and XXXX. ) The Collection Agency is Credit Protection Association of XXXX TX. I met XXXX terms in XX/XX/XXXX. It is now 15 months later and Credit Protection is still reporting this debt as 'OPEN ' unpaid on XXXX . They are reporting this debt as 'Closed ' paid on XXXX , and XXXX. They HAVE NOT removed the debt from any of the credit files, as per the terms I agreed to with XXXX originally. I have been declined credit recently because of this inaccurate reporting, reason stated 'Collections ' on your credit report. 
I have contacted Credit Protection Association twice via email, and numerous times by phone and have had no response from them. No one ever returns my communication.

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 01/22/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I owe money on my Sam 's Synchrony Bank Mastercard. I am in a debt management plan with XXXX to help make the payments. I constantly am receiving phone calls at abnormal hours of the week, such as on the weekends and at night time claiming to be collection calls, but then when we pick up the phone, no one answers. So, someone there is stalking us via the telephone.

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 04/24/2015 about Debt collection (Medical) with Aargon Agency, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did receive notification of debt, however, I was not given my full XXXX days to dispute. I called the day I received the validation letter XXXX/XXXX/15. I asked what this was for as I had never received anything other then this letter, they said a XXXX item could n't tell me what it was for. I advised them I would contact my insurance company and said if this is a sling I will dispute the charges. I contacted ins. They tried to reach out to the original client about what the item was because they themselves had denied the claim but she did n't know why either. They were unable to reach out to the due to the fact that they were closed. I called the next day and advised Aargon on XXXX/XXXX/15 and spoke with an XXXX or XXXX ( ca n't remember the name ) and advised them that I was disputing the debt. Verbally, I said this has no effected the credit report and he said no but I needed send in writing I dispute the debt and I only have a week in a half to do so implying to me that it would effect my credit. According to the FDCPA I have a XXXX day validation period to dispute the debt from the day I receive the validation notice not when they get the account in their office. According to the FDCPA the collection agency can not make the consumer think the XXXX Validation Period does n't exist, and the debt collector nor the agency can overshadow the validation period. I had called the day prior stating that I just got the letter. On this day I also asked for an itemization to further explain what the charge was for. On XXXX/XXXX/15 I received an " itemization letter '' stating nothing more then what I was told on the phone " XXXX ''. On that same day I called back and spoke with a XXXX who told me that is all they show. In the conversation he stated well you just said that you were told something different on the phone then in the letter and I advised him no I said I was told the exact same thing which did n't tell me anything on the phone and seeing the same thing in writing does n't tell me anything different. He basically told me I was a liar when he just misheard what I said. That is harassment according to the FDCPA. 
I had n't spoken with this agency again until XXXX/XXXX/15 to get the names of the individuals and spoke with XXXX who then trans me to the Operations Manager XXXX XXXX I asked him for the names of the individuals I had spoken with he refused to give them to me stating it is proprietary information and he only collects information. Advised him that FDCPA had been broken I was going to file a complaint he advised me I could sent that to him in writing but still refused to give me any information I asked to speak with his supervisor and he said that would be the owner and gave me his name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 10-06-2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I lodged a complaint few days back to CFPB. The case # is XXXX. I opened a checking account online with {$1000.00} as initial deposit on XXXX XXXX and made XXXX direct deposits by XXXX. The bank had advertised that if I made XXXX direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account. 
I filed a complaint through CFPB and the company responded that my account did n't have a promotion code attached to the account. The problem is at the bank 's end. Their site through which I opened the account stated, accounts opened online will have the code automatically attached. I have attached the screen shot as evidence. 

What I find frustrating is, I am not the only XXXX. The bank is trying to give excuses not to give the bonus. I believe it is a fraudulent business practice.

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 03/31/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My personal information was taken by an identity thief, I 'm asking the last XXXX hard inquiries ( XXXX ) ( XXXX ) on my credit report. be removed or blocked I have a police report number XXXXThank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with EQUIFAX, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have attached 2 complaints against XXXX XXXX. 

I has disputed XXXX XXXX XXXX XXXX  that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing,  and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1. For reporting an item that had already been removed 2. Not responding in a timely manor. 3. Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. 

I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. 

Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: property owner was approved for FHA short sale and lender subsequently foreclosed on the property while the approval was still active. After notification the servicer said they would rescind the foreclosure. Several attempts were made to contact them and all were met with misinformation. Yesterday we were notified by another agent that the property is now for sale by the servicer.

Company response to consumer: Closed
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.

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 12/30/2016 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX purports to filter lenders based on criteria input by users of XXXX XXXX. 
I specifically requested an equity line of credit equal to the gap between my scholarship and XXXX University tuition. 
XXXX XXXX did n't filter lenders based on the criteria input by me into XXXX XXXX 's filter. 
Notwithstanding my own credit quality, my college buddy agreed to co-sign ( XXXX XXXX / strong earnings history, etc. ) Within 24 hours I received over XXXX offers to refinance my existing mortgage and take money out. If I refi, I 'd lose XXXX XXXX fixed rate and pay prohibitively expensive closing costs. 
I requested a HELOC as advertised. I specifically requested a HELOC and nothing else. 
The following lenders use fictitious HELOC terms to bait-and-switch consumers : - XXXX XXXX - Capital One Bank - XXXX Bank - XXXX - XXXX Bank - XXXX - XXXX - XXXX XXXX Mortgage - Wells Each lender approved a HELOC at Prime +/- XXXX. Each lender pulled the approval for nonsensical reasons. Capital One claimed that my guarantor needed to be on the deed. What 's the point of a guarantor? Reliance informed me that they would refinance only because they do n't make money on equity lines. This is egregious because a prospective borrower could find him or herself in a position whereby a refi is the only alternative. It 's a charade. I 'm confident consumers fall for it all of the time. It 's a con. Do not fall for it before its to late.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Payday loan) with BlueChip Financial (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via US mail, which i never received and told me I had 1 hour to contact them back or it was too late

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 04-01-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Application, originator, mortgage broker

Complaint: Having participated in Credit Counseling XXXX XXXX, which I do NOT need, on or about XXXX XXXX, I submitted Ocwen Loan Servicing, LCC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX via certified mail my loan modification package. XXXX XXXX, I wrote Ocwen the reason for the delay of my loan modification to no avail. 
1 ) Since Ocwen ignored, were stalling my loan modification, I wrote Ocwen a letter of my intention of a loan modification. 
2 ) Contracted with XXXX - XXXX Home Loan, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX and completed said modification on or about XXXX XXXX. Note : The representative involved in the modification process informed that I did NOT have to or make any mortgage payments being the fact of the modification loan in process. 
3 ) Representative later informed me that my modification loan was prepared by " XXXX XXXX XXXX '' which required me to correct the Cashier Check instead of XXXX. 
4 ) Since the onset of the modification process, I received calls, letter of notices of Foreclosure, loosing my property if delinquent payments were not met etc. 
5 XXXX Learning from XXXX XXXX Bank - XXXX OH, Ocwen disclosed derogatory information with numerous credit bureau 's resulting denial of my credit application. 
6 XXXX As of this dated report, a " Partial Payment Agreement '' was not disclosed and do not know what it referenced to. 
7 ) It is my contention that Ocwen Loan Servicing , LLC and the Debt Collection Division of Ocwen failed to communicate with me, the mortgage account holder. 
XXXX ) Combination of mortgage payment/ derogatory reports to the credit bureau 's, Ocwen Loan Servicing and the Debt Collection Division are not responding the issues I am concerned with, hereby requesting the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Please see attached Letter outlining all dates and violations and concerns

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 10/19/2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Our checks are getting declined when written at retail establishments. Funds are in the thousands and checks are for less than XXXX dollars. XXXX XXXX XXXX says they have not had anyone trying to get information. The retail establishments blame a company called Certegy. i can not speak to a real person at XXXX or find a way to contact them now. Meanwhile my accounts are useless.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: In correspondence dated  XXXX   XXXX ,    2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 01/13/2018 about Student loan (Federal student loan servicing) with Southern Credit Adjusters, Inc. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I do not agree that I should have to pay and that this goes on my credit .I never attended or used any money from this school .I did register but I never attended due to hardships in my home life. I should not have to pay for classes I did not attend

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Account opened in fraud-while waiting for a resolution on Consumer Financial Protection Bureau case number XXXX opened on XX/XX/2018 on XXXX ' Store Account Card ending in XXXX I have made the discovery the store account was not closed properly for my protection. The fraudulent balance remaining on this card was XXXX 

Instead another account ending in XXXX has been opened fraudulently. I do not have a card for this account and I have not been using the store account to make purchases. 

The credit limit on my store account is XXXX. 

I called XXXX Fraud Division and opened yet another claim with XXXX Badge Number XXXX who stated all charges will be reversed however the store account was opened so I could use it. I replied " Why would I want to use a store account which has a corrupted balance ( charges which are not mine )? '' I'm appalled. The new balance is XXXX which consists of charges which are not mine.

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