milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am currently XXXX in XXXX. My salary is XXXX before tax and my rent is {$1400.00}. This is not including utilities, transportation, and food. I have spoken to Navient about private student loans to make a plan to pay them off. I told Navient my salary and expenses and committed to paying $ XXXX/month until my salary increases. I spoke to Navient representatives several times regarding my willingness to work with them. However, Navient was persistent in that they did not want {$75.00} they wanted & gt ; {$300.00} a month that I simply did not have. The representatives became belligerent even suggesting that I ask my landlord to decrease my rent to pay them? This is preposterous as I have to have a roof over my head to work. Yesterday, representatives threatened me that if I did not give them several hundred dollars by XXXX they would default my loan. This business has destroyed my credit report. The only relief I have received is from paying a default fee of $ XXXX+ that does not go to the life of my loan. I also, tried to consolidate the loans with Navient and they refused to have the private loans consolidated. Thus, I am working diligently to try to pay my debts to this company without the company willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX  and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my 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 explanation
Consumer complaint received 11-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AR).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification with Ocwen Mortgage in XXXX 2016. I am asked almost on the weekly basis to provide information I have already provided. When I submit the missing documentation, I am told my modification is in review and with the next couple of days when I call I am told that either the same or different forms are missing to the point that my application expired and I have had to resubmit application again. I have only spoken with the relationship manager assigned to me once. Although they say notes are taken, the next person is never aware of previous contacts issues. I do not understand this. We are now in XXXX and this issue is ongoing. Please help me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The accounts in question are XXXX XXXX ( XXXX ) The statue of reporting has expired as of XXXX/XXXX/XXXX and it remains on my credit report. 
XXXX XXXX ( XXXX ) The orginal account was charged off since XXXX XXXX and both accounts are reporting and its passed the staue. 
XXXX ( XXXX ) Reporting pass the statue.Original delinquency wasXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have submitted numerous requests for verification of my accounts with XXXX XXXX XXXX, and Experian, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Quality Recovery Services, Inc. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This morning XX/XX/2016 I received a phone call during my working hours by a collection company call Quality Recovery Service, Inc My boss told the woman that was in classroom with my students and could she take a message. The woman said no because I really need to speak to her about a personal issues. I have ask them not to call me on my job at all but they did anyway by harassment me. She was very unprofessional and extroidnarily accusatory towards me on the phone. The woman on phone stated that she 's been trying to call me but I have n't received no phone calls on my personal phone but on my job only. Then she threatened me by saying she will have my wages garnish and and take legal actions towards me if I do n't make any payments. She was so rude on phone with and hung up the phone 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 03/26/2017 about Consumer Loan (Vehicle loan) with U.S. BANCORP (GA).
Issue: Managing the loan or lease

Complaint: I was previously an XXXX service member with an auto loan with US Bank through the XXXX. I was not properly informed of the additional fees associated with the auto loan for having my payments withdrawn by allotments, I was lied to about the cost of the GAP insurance that I had covering my vehicle and I was also misinformed about the payment schedule of my loan payments for each month. I believe that I was taken advantage of as a young naive service member. The auto loan has been paid in full since XX/XX/2013. I have previously spoken with US Bank on a few occasions but was unsuccessful in having my requests met.

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 06-07-2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my copay for medical services at the time of service. XXXX XXXX did not give me a receipt, but they said they would mail the receipt to me. A long period of time went by and I received a letter from XXXX saying I owe the money. I made contact with them on numerous occasions explaining that I already paid them. They have now referred me to Progressive Management Systems and ( PMS ) is threatening me with legal action if I do n't pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent in all required documents to the credit reporting agencie Experian that I was a victim of identity theft and showing the accounts were not mine. I have disputed these items for over a year and nothing has came across to show that I owe this debt. I have even disputed again XX/XX/2018 and got a response back XX/XX/2018 with no investigation it vervication again saying they will not change or look into it. I have ask numerous times please show Me a contract or something showing that I even owe this account and nothing has happen. I called the creditors as well and nothing this is my final plead to get this resolve.

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 10/24/2016 about Debt collection (I do not know) with GC Services Limited Partnership (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: GC Services has continually contacted me at place of employment after numerous times of telling them not to call me at work yet they continue to do so and are very rude and disrespectful on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2017 my debit card was compromised with unauthorized charges. Bank of America notified me with a text alert. The card was immediately cancelled. However, on XX/XX/2017 they paid XXXX charges to the same " hacker '' - totaling over {$400.00}. I spoke to the fraud claims dept on XX/XX/XXXX from the office of a local branch manager and they assured me that my money would be back in my account on Monday, XX/XX/XXXX. The funds still are not in my account. I have spoken to at least 8 different people and they are always in a different state and always a " scripted '' answer!!

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 10-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: on XX/XX/XXXX I was a victim of fraud. Wells fargo bank is holding me accountable for fraud done to me thru a XXXX transaction and XXXX fraud check deposited into my account and funds later removed. I have filed complaints as to the fraud commited with bank and a police report. they still cali I did this to myself which I did not! Wells fargo reps have laughed t me over the phone and have reuined my credit closed my accounts and refused to return the money I had in the account and now want me to pay for the debt done to me! I did not use my card at XXXX nor did put XXXX bogus checks into my account. I need and demand action and getting nothing and no help

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 02/16/2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Residential Credit bought my mortgage from XXXX. I was trying to do a short sale with XXXX when the mortgage transferred. Residential Credit requested paperwork to start this process. I provided all the documents they requested and then they would need other documentation to continue the process for a short sale. This continued for 4-5 months until I was informed that the loan was being sold to XXXX. 
I do not believe that Residential Credit worked with me in good faith on this process. They appeared to intentionally stall or not act on the paperwork I uploaded to their website as they requested to complete this short sale. 
That had an appraisal done on the property which was not comparable to the property I am trying to sell. The appraisal completed for Residential Credit was overvalued and done on a property which has XXXX homes on the land. They used this appraisal to initially deny the short sale. I was told that if I desired to dispute this that I could submit an appraisal. I uploaded this appraisal to their website as directed and no action was taken for over 2 weeks when I was informed that I would also have to submit a separate request to evaluate the appraisal I had submitted. This pattern of delaying continued until the date that the loan was transferred. 
I have multiple offers for the property and have had to extend contract agreements because Residential Credit will not act on these offers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Other type of mortgage) with TCF NATIONAL BANK (IL).
Issue: Trouble during payment process

Complaint: TCF Bank holds a modification loan on my property as a second mortgage. The payments are not extremely large but being on a fix income and XXXX years old, there are times that the account will become one to two months behind. Every time two payments are scheduled online make the account current, the manager cancels the payment and lock the account. When I asked why this was done, he explained that the payment is scheduled for the XX/XX/XXXX of the month and is required no later than the last day of the month. If I don't receive my pension payment until the XX/XX/XXXX of the month, why not accept the payment scheduled online? The office stated that they will take a payment over the phone and hold it for five days. Well, if you will hold it for five days, why not accept the payment online? Why lock me out of the account completely and cancel the scheduled payment. This has been done to my account twice. Not to mention, the rudeness that prevails when explaining to them that I can't pay until the XX/XX/XXXX of the month. There must be a law against denying a payment especially when it is bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Last year I started a modification with my mortgage company. In the approval my mortgage was brought by NationStar brought my mortgage. I my modification process I was told my payment would be about {$730.00} a month. Now it is up to {$1000.00} and changing monthly. My prinicipal amount, escrow ( they say is negative ) and other fees keep going up and I 'm no where close to the amount that I agreed to pay. I have called, complained and tried to get answers to no avail. They are saying they are paying for insurance when I pay my own insurance policy. And have submitted papers to them in the past to show this. When I call them they play the transfer to multiple line issue and soon they just disconnect you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Credit card) with URS Holding, LLC (NY).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: After contacting XXXX, when United Recovery Systems would n't allow me to make payment arrangements, they contacted me and told me to contact them. XXXX gave me URS 's wrong contact number. XXXX gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX URS 's number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is giving me the run around and refusing to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I complained on XXXX of XXXX, 2015 regarding my mortgage with Bank of America. After the initial complain they have forwarded me to another department. The new representative seems like work for another company that is hired by Bank Of America. They have requested me the change in circumstances paperwork that I have submitted within a day or two. I have also provided all the supporting income documents for example, bank statements, and profit and loss statements. In addition I have also provided the pay stub for my wife and bank statements of my daughter because according to the website I can add household income too, even if they are not on loan. It seems that foreclosure date is coming and they are trying to gain more time. According to the law, once they receive change in modification documents complete package. They should stop the foreclosure but again Bank of America is trying to play the same witty gimmicks, that they have played with XXXX of Americans for throwing out people out of their houses. Again the person I am working with left me a phone message and after that I tried calling him XXXX times but he was not available. I got a hold of their another manager who started another paper trail which I have provided within hours and it seems like she stopped picking up her phone too. Once they realized that they might can not ask for any possible papers in the world, they stop picking up the phones. Even I had to tell the, m that a person in household can contribute in the qualification process because my initial representative XXXX XXXX have absolutely fooled us for all this time telling that we can not use any other income if its not in the mortgage. Any way I am attaching all the documents provided to bank of America for change in circumstances and hope that someone would take a look at it and ask them for answers. Since they play with peoples emotions by asking some kind of paperwork and after you provide them they tell you that no we cant use this because of some reason and then you provide them more and so on. Please stop this mega monster company from playing with peoples emotion because if they cant do it tell us in first place why play these games with the innocent customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Need promissory notes to participate in Federal Loan Repayment Program. This started back in XXXX 2017 when I requested them. I did receive a promissory note, but it was rejected as the wrong one. I chatted and asked Navient about this and they said that was the only one. Later they acknowledged there were others and stated the correct one was " processed '' XX/XX/XXXX. Today, XX/XX/XXXX, I am still waiting to receive all the promissory notes for the loans. I do n't understand the delay, as today I am told they will not receive them until XX/XX/XXXX I do n't understand why Navient does n't have these documents. Since they are not sending the original, why ca n't they just send the pdf via email? Still waiting for more than a month on these promissory notes which are ESSENTIAL to my participation in the Federal Loan Repayment Program as an XXXX XXXX -XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: EXACTLY, how did these lazy derelicts at transunionXXXX and XXXX, verify anything?! # Transunion made a inapt frivolous attempt. WHERE IS MY COPY OF THIS ARTIFICE USED BY THESE PHONY LYING THIEVES AT XXXX?! # Incredible stupidity, lying their XXXX off, amazing how I can NOT find any phony bill that says I owe {$320.00}. These incompetent derelicts lied and/or claimed they made their own whimsical inapt investigation?! # OF WHAT?! # How did you investigate positive fraud __artifice___ ( malice ) and deceit?! # XXXX 's decrepit reputation for being ( worst ) lying thieves from the other XXXX phone providers. PLUS, these corporate XXXXbirds have a current FALSE ADVERTISEMENT ON-GOING NATIONAL TELEVISION!!!!!!!!

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XXXX XXXX and Equifax did not fix an error on my credit report. The contract was canceled by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: on XX/XX/XXXX I submitted a application for a refinance on loan I have with citizens one bank for which I have a mortgage with now. this a new complaint for an old problem I have a claim # XXXX I was told that I would need to have permanent income to qualify for a refinance because I was on temporary workmens comp income. I was deemed XXXX in XX/XX/XXXX, also I have a pension and rental income I sent XXXX XXXX this income imfo and we did a loan app. I had to supply all kinds of documentation which I did. then I was told once everything was accepted I would need to submit either credit card or debit card so they would be able to pay for appraisal. I was told they would not take money or order appraisal if my loan looks like it was not going to be approved. this is XX/XX/XXXX during the month all was well, looked like they were going to approve my refinance. but then they kept emailing me for documentation I had already sent to them, I questioned why you did n't have this because I know I had sent it. now we at the end of XX/XX/XXXX I was asking when were we going to close all I got was robo type answers from XXXX XXXX. his prepared statement was that he would check into it shortly unfortunately his shortly was 2 weeks. when I asked about why I had to send duplicate imfo he submitted the same robo answer. so I emailed him back and replied that your shortly is 2 weeks or no response at all. then on XX/XX/XXXX I got a called from XXXX XXXX to imform me that my refinance was denied after all this time, he knew it was denied before me, then he went into my account on XX/XX/XXXX and took the appraisal fee when the time to withdraw it from account it had expired. just like I had so much time to submit my documents if I did not submit them in time the loan would be cancelled. this is bad business and borders on criminal. this time there excuse for not refinancing me is that my rental properties looks like a loss on paper from my taxes. for real!! these people are bankers they know how that works I showed XXXX the same taxes when they refinanced XXXX houses for me they knew when you file your taxes sometimes it shows a loss but that does n't mean you are not able to handle responsibilities I 'm sure they have a lot of investors such as myself that they refinanced and did first mortgages for this is how banks make money.

Company response to consumer: Closed with explanation