milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has not yet caused to be recorded the Trustee 's Deed resulting from the Trustee 's Sale at public auction on Friday, XXXX XXXX, XXXX at XXXX. 


Also, as this account is a Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) home loan account, Bank of America must provide a monthly installment statement with payment coupon until the XXXX Deed of Trust has been sold or transferred. To date, I have not received a monthly installment statement in XXXX XXXX for XXXX XXXX as required. 

All previously mentioned resolutions are desired and mandatory.

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 03/28/2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Closing/Cancelling account

Complaint: I applied for a Care Credit card ( Synchronicity Bank ) in XXXX. The application was approved. I used the card once for an emergency veterinary appointment in the spring of XXXX and paid the balance in full over a period of a few months and have not used the card since that time. On XXXX XXXX, XXXX, my cat had a life threatening emergency so I took him to the vet. When it was time to pay for the charges, my Care Credit card was declined. Today, I spoke with Care Credit and was told that, some time in between last use of the card to present day, they ran my credit report and decided to close my account. I never received any notice of this and it caused a major scramble to come up with funds to pay for emergency care for my cat, along with undue embarrassment. Since the time of my application to Care Credit, my credit rating has improved and has not degraded. Therefore, the reason I was given does not ring true to me. I believe the card was cancelled due to inactivity and not carrying a balance. Perhaps they did not believe I was " profitable '' to them. But, to cancel the card without notifying a customer is absolutely inexcusable because many individuals rely on having that card in case of emergency, which is exactly why I applied in the first place.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

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 07/21/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Credit decision / Underwriting

Complaint: Caliber Home Loans has serviced my home mortgage since 2007 when XXXX XXXX extended a {$160000.00} loan at 7.62500 % interest while a {$81000.00} lien was on the property. Monthly mortgage payments are {$1500.00} with {$920.00} toward interest, {$200.00} toward principal. This agreement was made when my credit score was XXXX ; it has now increased to XXXX and I seek a better interest rate. 
The XXXX XXXX agreement ( XXXX ) was executed in 2007 with a {$81000.00} lien on record from XXXX XXXX XXXX ( XXXX ). Today XXXX is no longer in business and no one can remove the lien. I 'm not being billed for the {$81000.00} but the recorded lien wo n't go away. 
Caliber Home Loans has offered a {$150000.00} loan at 3.99 % over 30 years with the {$81000.00} lien still on the property, I requested a 20 year quote ( for 10 years of payments made ) and the process has stalled - XXXX XXXX ( XXXX # XXXX ) said the {$20000.00} loss on tax return XXXX unit property was problematic, he requested my wife 's financial information although she is not listed on the property or the loan, it was sent XXXX XXXX. My retirement income, 4 year history as XXXX, wife 's employment income and investment portfolio clearly supports liquidity, profitability, and solvency i.e. on ongoing good credit risk esp. at a reduced interest rate. The balance of the current mortgage is {$140000.00}, the {$8000.00} difference is Caliber 's refinance costs yet the transaction is entirely internal. 
XXXX XXXX ( XXXX # XXXX ) stated the computer system was down XXXX XXXX and he 'd call back once online, he never did. My calls have been unanswered. 
This process has taken too long with questionable actions. I want Caliber Home Loans to remove the {$81000.00} lien and I want a 20 year mortgage refinance rate ( less than 4 % ) reflective of my XXXX credit score and history of timely payments to Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (VI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My daughter attended XXXX College in Florida. We applied for the XXXX XXXX and we were offer XXXX Loans the principal bal was {$5300.00}. I am presently paying XXXX monthly here is another company call XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a loan there principal balance is {$5900.00} which is about the same amount I am paying XXXX Loan. The loan that XXXX XXXX XXXX XXXX is trying to collect is the same loan I am paying XXXX Loan. I was told by XXXX of the financial aid rep. they had sold the loan. This is the company that is trying collect. What can be done to rectify this matter. I only obtained approximately {$5000.00} worth XXXX loans for the short time I attended XXXX. The company that is trying to collect this loan Coast Professional , Inc., The XXXX XXXX XXXX XXXX. My contact information is XXXXXXXXXXXX or XXXX, I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has made it impossible to make payments on my loan. They would only take close to XXXX a month. My loans has since doubled because I am never able to make that large patent.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient  will not allow me to even research income-driven repayment plans through their website. When I navigate to the page, it claims I have past due loans and instructs me to call them : however my federal loans are NOT past due. They are deliberately inhibiting me from being informed about my options. Furthermore they are conflating responsibility of federal and private loans : if I do in fact have private loans that are past due, they should not prevent me from receiving information about my federal loans.     I want to remove my federal loans from Navient and service them through someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient has been charging me late fees for several months despite my participation in automatic draft.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Transworld Systems Inc.  sent me a letter after I had sent them a written request not to contact me again in any form.  Transworld Systems  proceeded to send me a letter after they received my cease and desist letter. T ransworld Systems  flagrantly violated the  Fair Debt Collections Practices Act  with their communication after receiving my written demand not to contact me in any form.  Transworld Systems  is flagrantly violating the  F  air Debt Collections Practices Act .

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department

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 12/18/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In XX/XX/XXXX I have a judgement against me for XXXX I went to court and agreed to pay this amount because I was bullied by the roommate and feared retaliation if I did n't pay. I sent in the fact sheet to Judge XXXX XXXX in XXXX co in XXXX XXXX. On XX/XX/XXXX I checked my balance because I sent a rent check for XXXX. On XX/XX/XXXX I had XXXX. The next day I checked my account and I had a XXXX minus account in my account I had a direct deposit for my paycheck that went in on XX/XX/XXXX for XXXX. I also had 2 deductions from suntrust for administration fee for processing the garnishment. That is all the money I have, I need my medication I have the following diagnosis : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. I was going to have my medication filled on XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX. My rent bounced, I owe for electric, water and internet. I work at XXXX as my husband is in the XXXX XXXX XXXX XXXX in XXXX. Please help me, I have no money to live.

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 11/18/2016 about Debt collection (Medical) with NCSPLUS INCORPORATED (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a medical bill with XXXX in XXXX, IN. That medical bill was paid in full on XX/XX/2014. XXXX contracted XXXX separate credit agencies to place XXXX reports on my credit. XXXX report XXXX XXXX. XXXX XXXX shows the correct amount of {$80.00} as XXXX. The second report ( XXXX XXXX XXXX XXXX shows an incorrect amount of {$220.00} as Paid. The third report ( XXXX XXXX shows an incorrect amount of {$290.00} as Paid. Attempts to contact XXXX from billing at XXXX resulted in unreturned phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Under CFPB complaint number XXXX, XXXX alleges that XXXX and/or Financial Asset Management Systems can run my credit report anytime they want. That statement is false. In addition, whoever wrote the response from XXXX to CFPB complaint number XXXX, does not know what they are talking about because they cited the wrong applicable law. They cited the Fair Debt Collections Practices Act. The applicable law is the Fair Credit Reporting Act in conjunction with the Fair Debt Collections Practices Act. It is a very fine line between being able to run someone 's credit report including mine whenever they want as a permissible purpose, and the action of re-running someone 's credit report over and over, including mine, constituting harassment. Financial Asset Management Systems pattern of continuing to run my credit report over and over constitutes harassment. The person who responded to CFPB complaint number XXXX from XXXX has no idea what they are talking as they cited the wrong law when responding to the issue of running someone 's credit report over and over, including mine. XXXX has a pattern of denying everything, just like they denied overcharging troops, which they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX XXXX, XXXX. My wife and I are XXXX and live at XXXX XXXX XXXX, The Villages XXXX. I am a XXXX XXXX and was simply attempting to refinance my home to pull some additional cash out on a new VA loan to complete final home XXXX. 
I had refinanced almost 2 years earlier and pulled almost {$100000.00} of cash out of equity on a VA loan to install hardwood flooring throughout, a 16X20 fully functional square footage screened in XXXX, new paint throughout, irrigation system, landscaping, etc. My VA appraiser then was XXXX XXXX, assigned by the VA to appraise my home on the golf course and her result 17 months ago was {$320000.00}. That was fine as I took the cash and made the over {$50000.00} in improvements. 2 months ago, we decided to do our last refinance and pull additional cash out to install a gourmet kitchen, bathrooms, etc. The bank was Flagstar Bank that we applied with. Two men showed up to appraise our home in a pick-up truck one named XXXX XXXX and the other did not identify himself yet they both handed me XXXX XXXX cards and said they were also Realtors. Does n't that violate Dodd/Frank or Respa?? They paid no attention when I tried to show them the improvements that I had made and the XXXX I planned to make and were in my home for no more than 8 minutes. Being a retired real estate appraiser, I gave them some information concerning comps to make their job easier yet they did not bother to look at or take the documentation with them. In closing, 15 days later, Flagstar Bank notifies me that my appraisal was complete and the value was {$250000.00}. The comps that were used were all over 1 mile away, one was a short sale and one was a XXXX. These guys simply " mailed this appraisal in '' for lack of a better word. In closing, I will be notifying the VA today with complaints and a re-consideration of value as I have evidence of 8, YES, 8 sold comps within .35 miles of my home, on the golf course that have all sold within the last 4 months for in excess of {$370000.00}. These men should not be licensed real estate appraisers but rather they should be used car  salesman. In closing, XXXX XXXX, approved by the VA is going to appraise my home again per my request. Being a retired Executive from XXXX XXXX, XXXX, I will be writing to my former neighbor and now the Secretary of HUD, XXXX XXXX XXXX. I feel like my wife and I were taken advantage of for {$450.00} as the appraisers would not speak to us as I am XXXX XXXX XXXX and my wife is XXXX, not to mention only providing 3 comps on their valuation that were horrible, far away, inferior and useless. Please reach out to me at XXXX XXXX XXXX so I can provide you with all of my additional documentation. XXXX XXXX. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (FHA mortgage) with KEYCORP (CT).
Issue: Application, originator, mortgage broker

Complaint: I purchased a property in  XXXX   XXXX , CT and while I was in the mix of my repairs,  XXXX   XXXX  contracted  XXXX   XXXX  to preserve the property.  XXXX   XXXX  changed the locks and in the process caused significant damage. I contacted  XXXX   XXXX  about the damages and they agreed to repair the damages, however after I submitted my invoices they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IA).
Issue: Account opening, closing, or management

Complaint: I opened a Citibank checking account and deposited {$15000.00} on XXXX/XXXX/16. I signed up for a bonus that would earn me {$400.00} if I kept the {$15000.00} in the account for 30 days. The bonus code is XXXX. I did leave my deposit in the account, and Citibank accidentally closed my account on XXXX/XXXX/16 with no notice. The only notice I received was the {$15000.00} check with a letter saying account was closed on XXXX/XXXX/16. I feel that I should receive the {$400.00} bonus because I did n't close the account, Citibank did for no reason, and I kept my side of the bargain when I deposited my money, and it was in the account for at least 38 days.

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 07/13/2015 about Credit card () with BNY MELLON, NATIONAL ASSOCIATION (NY).
Issue: Billing disputes

Complaint: There where Fraud on XXXX ( XXXX ) Credit Cards ; XXXX which was never activated by myself. 
XXXX XXXX XXXX Issued By Bank of New York and No. Pin requested or Card receivedCard No. XXXX BNY Mellon Florida for the sum of XXXX ( card No.was obtain through XXXX Fraud Dept. Activated XX/XX/2015Shell Fuel Rewards Card No. XXXX XXXX XXXXCard No. XXXX Never Activated in My Possession at the time usedCard used XXXX/XXXX/2015 thru XXXX/XXXX/2015 For the sum of XXXX XXXX Issued By XXXX XXXX Card No. XXXX XXXX XXXX XXXX in my possession. Card Used on XX/XX/2015 For the sum of XXXX Total XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX has filed negative and/or derogatory claims on my credit. These claims do not belong to me. The claims are for approximately {$200.00}. 
I sent a letter to XXXX. XXXX on XXXX XXXX, 2016 disputing these claims.

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 02/17/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Im seriously frustrated with both Portfolio Recovery and Experian because i feel like they violated many of my rights, and are working together to damage my character. They 're making it hard for me to become credit worthy by not following the FCRA & FCDPA guidelines. First they kept calling everyday, to the point i had to change my number, ive been disputing this account since XX/XX/2015, ive asked for them to validate the debt they claimed i owed, which they failed to do that three times, sending me identity theft forms instead of proof of validation. They continue to report the debt hurting my credit after i sent them XXXX letters, & disputed it with the credit bureaus. I want those XXXX accounts removed! They failed to validate the debt a long time ago, and continue to report it knowing that they 're violating the FCDPA. Remove these items now, or i will escalate all matters with my attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Fraud or scam

Complaint: I GOT SCAMMED VIA PAYPALHe told me to send as " to family or friends '' I was trading {$78.00} + {$1.00} ( fees ) = 80 $ totalfor counter strike global offensive case keys. 

He offered me XXXX keys for my 80 $ which I took to be a fair offer and accepted the trade, sending him the money first via paypal verified. He tells me to wait a moment because he needs to check he has received and then he logs on and blocks me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: The student that I received was a pell grant based off low income and a XXXX XXXX totaling XXXX. The teacher that has taught me before at XXXX XXXX has done the same thing. She and her daughter have filed a high interest student loan and then cashed it. She has also spent a credit worth XXXX XXXX in a hour at XXXX on a XXXX  XXXX XXXX card. My other complaint is the classes I took? I am not advanced placement anything. I also took cad for basic tooling and I found cad for architecture in a software bin at my parents. 
I apologize for the squabble with my brother but I think you 'll find my case interesting if you pull my student I.d . And my recent drivers license. I know that the student id has XXXX eyes and hair. I have XXXX XXXX eyes and XXXX XXXX hair. I just think it 's probably my brothers revenge for his failed XXXX. At leads.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Using a debit or ATM card

Complaint: I recently had a beauty product company to take money from my banking account. Regions has not been instrumental in being able to assist me retrieving my funds. I have been a consumer with Regions for over 30 years. 
I feel like the lack of service has been un- acceptable.

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 01/26/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: We are now finding out we were sold a number of loans through WAMU that had liquidated all Heloc capital on XXXX homes, and pushed a refinance on to our real estate portfolio whereby we were sold more toxic instruments of lending. 
The full, detailed statement in one of the attachments.

Company response to consumer: Closed with explanation