milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a loan with XXXX. I have been 60 days overdue, but making the current payment for several months. I was told by XXXX that I needed to call on the 1st of the month every month to make the payment. When I called this month, I was told the loan had just been sold and to contact the new lender, Shellpoint Mortage. 

I never received any information regarding the sale of my loan prior to XX/XX/2017 the date of my loan sale, and have not received anything to this date, XX/XX/2017. 

I have contacted Shellpoint who does not know who I am. They have told me IF the loan was sold to them, within 60 days I would be notified. 

I am already 60 days overdue. If I wait another 60 days for them to upload the info to their computer, I will be 120 days overdue. No one will take my payment, not XXXX and not Shellpoint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Checking or savings account (Savings account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have requested to transfer my IRA account from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX OH XXXX, to Citizens Bank, to be deposited into my existing IRA Savings acct. The XXXX XXXX then sent me a letter dated XX/XX/XXXX, stating that the Trustee to Trustee Transfer was completed in the amount of {$8400.00}, and that the check for said amount was mailed to Citizens Bank-Retirement Services, XXXX XXXX XXXX XXXX, XXXX RI XXXX. Again, the letter is dated XX/XX/XXXX, and today 's the XX/XX/XXXX. The money has left the XXXX XXXX yet have n't reflected on my IRA account at Citizens. My numerous phone calls to Citizens produced no results, the money is nowhere to be found. It 's been almost a week and nothing happens. It appears that Citizens have lost it. OMG

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: While serving XXXX XXXX from XXXX to XXXX before I was XXXX. I was dealing with XXXX XXXX XXXX whom unbeknown to me they were putting me on forbearances. Which know that FedLoan Servicing has taken over my account XX/XX/XXXX I have discovered via my Public LOan Forgiviness that only 48 months have been applied. I am missing roughly XXXX months of payments applied. They have not really done anything to correct this issue. As of roughly XXXX XXXX this loan should be written off underneath that program. It needs to be readjusted accordingly to show I have made 101 payments out of my required 120.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Late fee

Complaint: My Complaint is against Synchrony Financial I believe strongly that Synchrony Financial is falsifying my XXXX Accounts with both XXXX XXXX & QVC regarding Late Fees and interest charges.It appears that Synchrony is also misleading both myself and CFPB when it comes to refunding the Late Fees & Interest Fees.This months Bill reflected XXXX Credits in the amount of {$70.00} for Late Fees than turned around and reapplied another Late fee XXXX the Minimum Payment along with the {$70.00} that was suppose 2 be credited Back so the way I see it Synchrony never went into their system 2 remove the Late Fees which now stand @ {$140.00} .Now for the past 2 months I have sent 2 Dispute Forms 2 Synchrony disputing their fraud and they are still doing the same Fraudulent act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Flag star bank I feel that they took advantage of me. I am sure I was not the only XXXX. Ialmost lost my house because of them I am still suffering because of them. They lost my paperwork so many times I faxed them my paper work at least XXXX times I even mailed it to them. My house so on the steps of the court house my best friends boyfriend paid there attorney XXXX to get my house. OMG  I wish something could be done. If I had the money I would  I wanted to get the news crew involved. i tried to get anyone who would listen I wrote so many letters . no one really cares about us XXXX.  FLAGSTAR BANK OUT OF MI, CROOKS....

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I reported fraud activity on my card a month ago ( I had XXXX cards that were hacked, have filed the info with the XXXX agencies and FTC ). Since that time, I have been denied access to my account, the company/bank has so misconstrued the fraud report that it has cancelled out payments I authorized to the extent of over {$1000.00} and never attempted to verify the information with me, and it has threatened me with a demand for payment of the unauthorized cancellation. I have done all due diligence and am not sure what the next step is other than legal counsel.

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 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Like your recent consent order with the credit reporting agencies, I requested a Free Credit report from Experian on XX/XX/2015, expecting to receive my credit score for free as advertised on the website. Through clicking through the options to receive my " free '' score, I was unknowingly enrolled in some premium credit monitoring which was billed to me in three separate transactions : {$1.00}, {$21.00}, and {$39.00}. I disputed the charges directly with Experian, who refunded the {$39.00} which was an annual fee, but I did not receive a refund for the {$21.00} since time had elapsed since I had " enrolled '' and thus they determined I was " using the service '' which is obviously a bogus claim. I do n't seem to be an Affected Customer under your recent Consent Order but from my experience it sounds like these deceptive practices were also ongoing at Experian.

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 05-12-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Trouble during payment process

Complaint: failure to acknowledge a RFI within  XXXX  business days.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: The school I was going to was a waste of student loans. The school was not teaching everything needed they only wanted the money. I graduated from the school but it has been very hard to find a job in my profession due to the lack of knowledge that was paid for but not taught.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call regarding an old disputed medical debt. We have fought the original creditor because I was on XXXX and no bill should of existed. The collection agency was told of this dispute yet still applied the disputed, inaccurate item on my credit bureaus. When I requested they validate the debt they responded with a letter claiming we can validate but due to HIPPA Regulation we ca n't supply that information. So they reported information on my credit history but refused to validate the debt. They have violated FDCPA and FCRA and even though I have disputed this debt that they refuse to validate, they continue to report the inaccurate information damaging my good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Medical) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt belongs to my daughter and she lives in Florida. I have told these people numerous times that she does n't live here and has n't for almost 9 years!

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: I am two months behind in my American Express payments ( {$3000.00} ) because I am awaiting a settlement check from an insurance company. This has been a stressful and financially difficult situation for me. My next door neighbor who lives in the apartment building I live in just knocked on my door to tell me she received a call from American Express looking for me. In fact she has been receiving these robocalls for weeks and only today finally answered the phone. I have been an American Express Gold Cardmember since 2010. I am completely appalled that they would breach my privacy and call my neighbor. I have no idea how they even got her telephone number. This has to be an illegal practice for American Express to share my financial details with anyone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Customer service / Customer relations

Complaint: hhgregg / Synchrony bank / GE capital involved in predatory lending when they sold me home appliances. They labeled their lending as interest free. They never send me any paper statements showing that they were charging me interest. Lender asked me to provide my bank account number so they can setup automatic payments, and promised me that they will not charge any interest when I gave them my checking account number. 
they have charged me XXXX in interest over last 3 years and I sill have half the outstanding balance. Lender used tricks in me thinking that I was not paying any interest by not sending any paper statements. 
I am requesting full refund of all the interest I have paid in this account.

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 05/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I feel I have been given inaccurate information on my account. I do n't agree with the fees that they charge. I struggle to pay on occasions. I feel like this loan should have been forgiven, because of the circumstances of my leave from college. My daughter was diagnosed with XXXX and I had to take a permanent leave from school to take care of her situation at XXXX XXXX in Tennessee. I have tried to work with the company a numerous amount of times, every telephone representative tells me different things. Some say they could readjust my payment and other say there is nothing they can do. All in all, I feel very frustrated and stressed about it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I tried to dispute a charge on my credit card statement for {$3.00}. The purchase was for merchandise, not a subscription to anything. Bank of America refuses to take a dispute for 15 days from the " date of cancellation ''. There is no such date because there is no subscription. However, even where there is a subscription I know of nothing in the Fair Credit Billing Act, or any other law, which allows a credit card company to refuse to take a dispute and require a 15 day waiting period.

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 02/18/2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Navy Federal credit union has had my account Frozen since XX/XX/2017. I  have tried to resolve the issue with them directly but I have gotten nowhere with them. I am so frustrated. It has taken this long and NFCU will not resolve the matter and they give me no answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: please see attachments. I HAVE TRIED TO OFFER TO PAY THIS DEBT  ON 3 DIFFERENT OCCASIONS IN EXCHANGE FOR MY PROMISSORY NOTE. I CONTINUE TO GET THESE OPEN ENDED LETTERS THAT MEAN NOTHING NOR ARE THEY COMPLYING WITH MY CONSTENT REQUEST FOR MY PROMISSORY NOTE IN ITS ORIGNAL FORM. MEANWHILE THEY CONTINUE TO LIST A {$0.00} DEBT ON MY CREDIT REPORTS. THEY REFER ENCE ME TO   XXXX   XXXX   XXXX   XXXX   FUNDS WHICH BOTH BEEN DELETED OFF MY CREDIT REPORTS FOR INACCURATE INFORMATION. MY HANDS ARE TIED AND I 'VE DECIDED TO LEAVE THIS MATTER IN YOUR HANDS

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (I do not know) with PMAB,LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed PMAB a letter requesting legal validation of this debt on XXXX/XXXX/2016. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Medical) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I paid my payment by installment last three months,XX/XX/XXXX $ XXXX $ XXXX {$80.00} each time i request the receipt for above payment but still they not providing the riciept.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (HI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do not owe a single dollar to the creditor it claims but received the letter to send the payment out of blue from the debt collector. This may be a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: An IRS lien was filed, released and withdrawn. Equifax has failed to remove it from my credit report, despite several written requests that included extensive documentation. Details are in the attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax told me that they can not allow me access to my credit report. I spoke with XXXX in the Office of Consumer Affairs. I informed him that neither I, nor creditors, could access my credit report. HE TOLD ME THERE WAS NOTHING HE WAS WILLING TO DO AND I JUST HAD TO LIVE WITH IT. I literally can not apply for credit and have no idea what is in my report. He offered to send me a copy of my credit report but this is not helpful because creditors still ca n't access the report. I DO NOT WANT ANOTHER COPY OF THE REPORT MAILED I WANT IT FIXED SO I CAN ACCESS THE REPORT ELECTRONICALLY AND SO CAN CREDITORS. This is my third complaint about the topic and Equifax never responds correctly, they just send another paper version. I have even been denied access to the report through Equifax itself so clearly they know what the problem is but refuse to fix it. Attached is a screenshot showing the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Medical) with The Collection Connection (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I responded to a Collection notice from XXXX/Collection Connection. I made contact verbally and written on XXXX/XXXX/2016 and XXXX/XXXX/2016. Requested validation of debt twice and even attempted to just pay. I advised them all communication must be in writing. Still received phone calls from XXXX XXXX, he left numerous voicemails to call him. I even provided a credit card on XXXX/XXXX/2016 info to pay if validation debt was received. Then received another notice XXXX/XXXX/2016 that the account was being reported to the credit bureaus. To this date, i have yet received any validation of debt. I 've emailed and sent certified letter requesting validation of debt. Today I checked my credit report and they reported the debt on my credit. I find this practice unethical and eroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continuously have to call all XXXX credit bureaus to get dispute remark removed from this account. I DO NOT want this account disputed. I am trying to buy a house and can not get approved because Hunter Warfield continues to add dispute remarks to my report. I want the remarks removed. I repeat I DO NOT WANT THIS ACCOUNT DISPUTED. *It forced me to select communication tactics and frequent or repeated calls. This is not an issue they are in compliance when it comes to communication. I just want the dispute remarks removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (I do not know) with United Recovery Solutions (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: name of company : United Services phone number of company : ( XXXX ) XXXX I received 2 phone calls today XXXX/XXXX/16, from this phone number. The first time the male said his name and would not address the company he works for. I hung up and he called right back. He asked my if i was who I am so I told him I was. He then proceeded to tell me that he works with the state prosecuting attorney 's office and that there will be XXXX felony charges pressed upon me and that warrants were then going to be put out for my arrest. When I hung up, I was in such a panic because I am XXXX and the situation scared me. I called the state attorney 's office right away and they said that there was no felonies no warrants and they nor any affiliates would call me and ever tell me such a thing. XXXX. They do not care about who they are hurting nor how they are hurting them. This is XXXX damaging and could have turned out to be XXXX harmful as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was sent a letter in the mail stating I could be approved for a loan of {$6000.00} by XXXX XXXX XXXX. I went down to the bank to apply for the loan and I was denied. Upon further investigation I discovered that XXXX XXXX XXXX had requested my credit report XXXX times prior to them sending me a loan offer on the dates of ; XXXX XXXX of 2015, XXXX XXXX of 2015, as well as XXXX XXXX of 2015. I did not authorize any of these checks into my credit and I refuse to allow their inquires to have a negative impact on my credit score. The representatives at their location was incredibly rude and argued with me despite the fact I have the information on paper right in front of me stating they pulled my credit score on those dates. I can be contacted by phone at XXXX or XXXX. I can also be reached at XXXXXXXXXXXX. I will do anything in my power to dispute these unauthorized checks into my credit score and I would also like this information to be passed along to the XXXX as this has been done illegally against my will. Please contact me if you need any information from me in regards to this matter as I will be more than happy to provide it to you.

Company public response: Company chooses not to provide a public response
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. (MN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax. 
Friday XXXX XXXX, 2017, upon reading the news of a massive data security breach at Equifax, I went to verify whether my personal credit information may have been compromised like that of so many others. Without enrolling in any sort of program ( in order to avoid waiving any legal rights ), I checked my situation through their security page and found that indeed my information and credit may be in trouble as a result of Equifax 's inadequate security. I then went ahead and submitted a 90-day credit alert request through their site to be submitted to each reporting agency. That is all for now.

Company response to consumer: Closed with explanation