milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have contacted Navient on several occasions to discuss the options for repayment of my loans. On each occasion my willingness has been met with opposition and very unpleasant experiences. Representatives have seemed unwilling to arrange a repayment plan that is reasonable or at the least, manageable. I have been required to complete income verification forms and have done so each time I am asked, only to be advised on a few of those occasions that my paperwork was not received. There seems to be a lack of organization on the part of this lender and a high level of resistance to assist account holders like myself, who are willing to enter into a repayment plan. I 've also contacted Navient to discuss the options for Public Service employees in regards to repayments plans as I am XXXX and have been for several years. When inquiring, I was more or less advised no such option existed although I had obtained information online advising such programs were.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (I do not know) with Prince Parker & Associates (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am the third party. This company called me regarding my sister 's debt that I have no connection to at all. When I called them to tell them that they could not call me regarding my sister 's debt they asked for more information including phone numbers etc. They told me that they could not help me and to have a good day because they were a call center. I told them that they are in violation of the FDCPA and they could not contact me again. I told them I would report them and they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have XXXX student loans and was unemployed for quite some time. During my unemployment, I had all of my student loans deferred - or so I thought I did. I received a call stating my student loans were 120+ days in default. I explained my situation and they reinstated my deferment however they will not remove the derogatory marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Paramount Recovery Systems, L.P. (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This company bond to collect in Texas was canceled in   XXXX  , which makes it illegal for them to collect debt.   This company is not bonded in Texas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Customer service / Customer relations

Complaint: We have here capital one representatives that ca n't do a simple job correctly period. They misinformed me over getting cash instead of making purchases for an extreme emergency situation. These people over at the phillipeens need to be instructed correctly and listen period.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Auto debt) with EXETER FINANCE CORP. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was a victim of an identity theft ring who broke into my storage unit in 2015. Shortly after they created multiple shadow identities and secured a loan through XXXX XXXX. When I checked my credit after a notice of charge off I immediately researched and they had a copy of my ID and all my information from files stolen in that unit.They leased an apartment in my name and opened multiple credit cards. I have been attempting to resolve this collection filing complaints with all three credit bureaus and filing two police reports. There has been no cooperation from Exeter at all on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 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 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 12/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing a complaint against Citi Mortgage regarding my review for a XXXX loan modification under the HAMP program. I successfully submitted a workout packet to the servicer. I was told repeatedly that I was quote " in review '' and that the file was being reviewed for home retention under the Government program. I am currently in a toxic interest only loan that is going to reset and my mortgage payment is going to skyrocket, making it impossible to keep my home. I finally received a decision and spoke with my single point of contact XXXX XXXX who stated. " Because you are not late XXXX XXXX you been denied a loan modification. I was provided the net present value findings, some of which were not even properly reviewed. They were left blank. I have opened up a dispute with Citi Mortgage and am soliciting an official complaint with the Consumer Federal Protection Bureau. Citi Mortgage is in violation of a Treasury Guideline under the Making Homes Affordable Program. Citi Mortgage egregious behavior is without questions unlawful. I am asking for a proper review and subsequent approval of my loan modification, which will enable me to keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (GA).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, 2016 I received a call from XXXX at CNAC at my place of employment. XXXX called a different department asking to speak to my Supervisor not knowing that the person she spoke with was a Supervisor. The Supervisor asked what was the call in reference to and asked her was it in reference to my kids. She would n't give them a any information but stated that her name was " XXXX '' and proceeded to ask to speak to my Supervisor so this particular Supervisor directed the call to my office but I was unavailable at the time. Fortunately my Supervisor was able to get the number off of the Caller ID so I would be able to call the number back. After calling the number back and asking for " XXXX '' she stated that her name was XXXX with CNAC. XXXX continued the conversation by telling me that if I did n't pay them that they would take me to court and garnish my wages. I stated to XXXX to come and pick the vehicle up and do not call my place of employment again and hung up the phone. After hanging up the phone XXXX called my place of employment right back and proceeded to harass by telling me how rude and disrespectful I was and that they were going to take me to court and win and garnish my wages. I told her to speak with my attorney and she told me that I did n't have an attorney and then I hung up the phone. That day I went and filed for bankruptcy because of the threats and harassment so that she would not continue to call my place of employment. After filing for bankruptcy CNAC started reporting negative information to the credit bureaus. CNAC also called my place of employment several times before this incident. I also purchased another vehicle from an actual dealership and they called CNAC for some information and CNAC called them back and stated to them to not sell me a vehicle because I would not pay them but if you look at my payment history they were always paid for the past ( almost ) 2 years before this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We ( XXXX owners ) have tried to sell XXXX properties for about 10 years with no success the situation has become unmanageable, extremely stressful, and costly. There seemed to be no way out other than to do a short sale and take whatever the consequences may be. Started with a real estate agent and short sale company XXXX/XXXX/2014 buyers have been obtained and there are agreements of sale on both the properties, XXXX for 5 months and XXXX for ten months. The mortgage company continually asks for the same information all during these months with no progress and no resolution. We are now in jeopardy of losing the buyers XXXX of the buyers has extended at least 4 times ; XXXX XXXX is the expiration of both the agreements of sale. When our short sale company or myself tries to determine what the problem is no one seems to know. We have requested a conference call to get to the bottom of what is the problem, but we are getting no where with that request either. We are trying to avoid the foreclosure by bringing qualified buyers to the mortgage company that actually both the agreements are equal to or greater than the appraised value that the mortgage company has had them appraised recently. 10 months for XXXX property and 5 months for the other seems quite unreasonable to review these requests especially when they have been in receipt of all the requested documentation for months.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Application, originator, mortgage broker

Complaint: My husband and I applied for a HELOC in 2006 from GMAC/XXXX. XXXX XXXX was the officer we worked with during the application process. His contact information is GMAC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. From the documentation I kept in my files, this is what I have pieced together. My husband and I were quoted a fixed rate of 8.25 % XXXX mo term. We received the loan documents to review on XXXX/XXXX/06. Everything looked good per the TIL and Good Faith. We then received a second copy which I kept. Then we received a third copy which turns out, was not the same set of documents. It is dated one day later on XXXX/XXXX/06 and did not include any specifics about the loan, no TIL and no Good Faith were included. I also have a copy of the closing instructions dated XXXX/XXXX/06. with no TIL or GF listed in the document section of the closing instructions. My loan was since sold to OCWEN. I recently received a letter from the current HELOC financer stating that I will be making the final loan payments at full principal as per the terms of my interest only loan. The problem is that my husband and I never applied for an interest only HeLOC. We feel that we closed on a different loan than what was initially disclosed to us and defrauded of 10 years of principal payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
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: On XXXX XXXX 2017, I contacted Equifax and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is XXXX XXXX XXXX XXXX in XXXX, IN, and the account was opened XXXX XXXX, 2017. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor XXXX XXXX claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are a number of inquiries on my credit report from companies I have no knowledge of. I have reached out to the creditors as well as the credit bureau in regards to removing the unauthorized inquiries and I have received no help in resolving the issue. I have a complete list of the inquires that I do not recognize or believe to be 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 explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I receive alert on my XXXX XXXX portal that XXXX , XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit XXXX and there is XXXX hard inquiries on my credit report with Transunion , XXXX and XXXX. Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? There should only be XXXX inquiry from XXXX , XXXX not XXXX inquiries. XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit one and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. She is a excellent Military Veterans supporter and very experienced in credit matters.

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 10-11-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2016 I requested XXXX and its XXXX.to review my file and consider a resolution through a complaint I file on above mentioned date. I am now employed and have established myself again and I am able to retain my home. My complaint ID is XXXX. The reason for my default has to do with the loss of my job. XXXX XXXX was consistently informed of the progress I have made. 
We are in foreclosure and looking for a sale day. I am want to retain my home for us and our XXXX children. Please I have now send another package to the new servicing co by th e name of XXXX. I have also done a forensic review of my file and found discrepancy 's. I am attaching it for your review. I need to keep my home I would appreciate a quick response.

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 06-08-2015 about Mortgage (Other mortgage) with KEYCORP (OH).
Issue: Credit decision / Underwriting

Complaint: I noticed a hard inquiry on my credit from XXXX XXXX XXXX, 2015 without my consent or any previous contact with them. I would like to get the inquiry removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (ND).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: THIS ACCOUNT WAS A CHARGE OFF AND DEBT PAID IN FULL (  XXXX  ). i WAS PROMISED THAT WHEN THIS DEBT WAS PAID THAT IT WOULD BE REMOVED FROM MY CREDIT REPORT. DEBT WAS PAID  XXXX / XXXX / 17 . I HAVE CONTACTED THE COMPANY REPEATEDLY AND THEY INFORMED ME THAT THEY WOULD SEND OUT A LETTER TO THE CREDIT REPORTING AGENCIES TO HAVE IT REMOVED FROM THE AGENCIES BUT IT STILL HAS NOT BEEN REMOVED. I JUST KEEP GETTING THE RUN AROUND AND THEY KEEP INFORMING ME THAT THE LETTERS HAVE BEEN SENT. PLEASE HELP ME REMOVE THIS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was breached, and now sensitive information such as SSN, credit card numbers, driver 's license numbers, etc., of over 143 million Americans are out for criminals to use exploit. Equifax did not notified affected customers in a timely manner, and instead took over a month before it officially dropped the ball that over half of the US 's population and some in XXXX and the XXXX was breached. The website that Equifax set up to let customers check if they were affect does not clearly state if one is affected or not.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XX/XX/XXXX thruXX/XX/XXXX have been trying to get report or company with no results this is for Experian. I am very consen because of the breach of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested my credit reports from Annual Credit Report I mailed in the request form on XXXX, 2017 to receive my credit reports from XXXX, Equifax, & XXXX. I have received my credit report from XXXX and XXXX on XXXX, 2017. It is now XXXX, 2017 and have still yet to received my credit report from Equifax that Im entitled to. Federal Law entitles me to receive one free credit report from each credit bureau. I have requested my all 3 major credit bureaus XXXX, Equifax, and XXXX. I submitted my request at the same time. I have receive my credit report from XXXX and XXXX as of my XXXX 2017. It is now XXXX, 2017 and I still have not received my Equifax credit report that I am entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Debt collection (I do not know) with Zenith Financial Network Inc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continually receive calls to my work at a desk number I no longer sit at. No messages left but if someone answers they are told something about serving a summons. I have never received paperwork from this company. Company is located in FL but is spoofing and using a local number

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (PR).
Issue: Trouble during payment process

Complaint: This is an ongoing problem with this company. The force placed an insurance policy on my mothers home for 300 % what is a typical rate. My mother who is XXXX was never told it was a forced placement and was misguided. Nonetheless, we accepted and are paying it by certified mail. To avoid this issue this year I personally obtained the insurance policy which has the loan number and company endorsement. We mailed it by certified mail to the company and to the insurance department. My mother has now received a new notification that her home will be taken since they have no documentation or evidence of the policy. We are trying to call. the phones are always busy. We try to fax as they said and the line is always busy. We call the call center and they redirect us to a phone line which is busy. Throughout the whole process my mother is worrying unnecessarily. They will not provide an email of anybody in the company. We have incurred in legal fees without any need since we have payed as stipulated. I even tried to contact through XXXX XXXX XXXX. XXXX XXXX XXXX, Executive Compliance Resolution Analyst at Reverse Mortgage Solutions , Inc. As you can see I am desperate for an answer or confirmation that I have followed everything they have said. This is not a well run professional organization.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The reason for this complaint pertains to Predatory Lending. XXXX has been be fraudulently misleading students. According to the CFPB it is believed that XXXX used high-pressure tactics to push many consumers into expensive loans destined to default. During the course of XX/XX/XXXX through XX/XX/XXXX I was encouraged to take out loans and continue my education from an XXXX degree to a XXXX. The Department of Education a student can receive loan discharge for this but this only applies to recent students and those who recently completed their studies within XXXX. This is an unfair process in that many prior students have a considerable about of debt because of this. Moreover, is that since the XXXX name has become tarnished it reduces the likelihood of receiving a new position. Employers may deem students not being well educated. Recent students at least get the opportunity to repair their statuses. While previous one have little or no chance. I believe if a discharge can not be granted for all students affiliated, then all students should receive a partial discharge of loans. We are victims too.

Company response to consumer: Closed with explanation