milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (RI).
Issue: Struggling to pay mortgage

Complaint: The attached information constitutes a formal complaint against  XXXX  mortgagees and/ or service lenders ( collectively referred to as mortgagees ) who have successively ( mis- ) handled my loan :  1 )    XXXX   XXXX    ; 2 )   XXXX  ; and  3 ) Fay Servicing.      I believe that these mortgagees have conspired to defraud me, the consumer, from federal initiatives and the protections of federal guidelines. Further, it is my belief that the mortgagees have misrepresented terms of my loan and rights to which I am entitled ; failed to process my requests for modification, other documents, and qualified written requests in a timely manner ; intentionally complicated matters for the purpose of confusing the consumer and thus denying available assistance ; transferring the loan from a    XXXX   XXXX   servicer to non-  XXXX   XXXX , thus indisputably and unlawfully altering the terms of the mortgage ; failed to fully apprise the consumer of available options, specifically modifications for which I was eligible ; altered the terms of the modification after the completion of the contracted trial period payments, at significant cost to the consumer ; reported deficiencies to credit bureaus despite on-time payments in full ; notified via certified mail my former spouse, whose name was never on the loan, in violation of privacy protections ; negatively impacted my eligibility for  XXXX  funds, in large part due to the failure to process documents in a timely manner ; used abusive, harassing and coercive tactics in attempts to intimidate me into surrendering my rights and paying excessive monies, further compounding the   XXXX   XXXX   that was created by the referenced failures of and abuses by the mortgagees ; refused to provide reasonable accommodations for documented  XXXX , and discriminated on the basis of said  XXXX  ; and other actions by the mortgagees.   The details of the complaint and supporting documentation are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I applied for membership for USAA based on the eligibility that my father is a military vet with an honorable discharge. I have been met with excuse and hurdle after hurdle, with no one being able to tell me what is wrong with my account and why I can not access Usaa.com. I keep being told my account is restricted and i went through a rigorous verification process, being asked over ten questions. I was able to successfully verify my identity but still my account is restricted and they can not tell me why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A request was made by me to terminate my lease at Pleasure Bay Apartments, XXXX XXXX NJ prior to the end of the year term due to a job change in another state for a move out date of XXXX XXXX XXXX. The original year lease was until XXXX XXXX XXXX. A week prior to moving out I visited, in person, the XXXX XXXX Office on XXXX XXXX. An employee of XXXX informed me that there are other tenants that are scheduled to move in XXXX XXXX so I am able to terminate the lease early without any penalty. Prior to that in person meeting there was no communication received from XXXX XXXX regarding the situation of incoming tenants even though the request was made in XXXX XXXX. I then started to make arrangements to move out and move into an apartment in Connecticut under the impression that if the information I was told changed in any way, I would be notified of the changes. No update was received. The move out date of XXXX XXXX came, and I moved out. A month later, I received a bill which included final charges related to wear and tear from 4 years living there as well as a charge for one month rent. I then called Pleasure Bay Apartments about the charges and disputed the month rent charge. They informed me that the incoming tenants never moved in and that I was liable for XX/XX/XXXX. This is the first time I was informed of a change in the verbal agreement that I received on XXXX XXXX XXXX. During the call, I disputed the charge with a woman from XXXX XXXX. An agreement was never met and this is the last contact from Pleasure Bay until a call from a collection agency on XXXX XXXX XXXX If I had be told of the incoming tenants moving out I would have cancelled my arrangements and continued to stay at Pleasure Bay until a tenant was found. Instead I was never contacted and as a result I have been charged for the apartment for XX/XX/XXXX when I never used it. They were aware of me moving out because they never contacted me after to reschedule another move out date and took it upon themselves to move me out next month and send me the bill then. All the paperwork, including the bill received, the person I communicated with at XXXX XXXX, the statements that were made by her, as well as any paperwork related to living at XXXX XXXX, and the collection agency letter are available.

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 05-08-2017 about Debt collection (I do not know) with Simon’s Agency, Inc (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: ATTEMPT TO COLLECT THIS DEBT ON BEHALF OF A UNKNOWN COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This report is for the credit bureau Equifax which recently revealed that it mishandled my credit information and that of XXXX others by exposing themselves to a large scale security breach. Although not proven conclusively, there are major indications that there were major lapses in Equifax 's security coverage and these were not addressed in a timely manner. 

Additionally, Equifax has not provided any sort of remedial credit/identity protection service and is instead still charging {$19.00} for their credit protection service. This is entirely unacceptable in light of the cybersecurity breach. 

I am also listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i Sent a ceritfied letter with return receipt several times for the last 3 months, but the unauthorized inquiry still remain and 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 explanation
Consumer complaint received 08-04-2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am listed as a reference person on this account. I have nothing to do with this account!! I have gotten phone calls for years, I tell each company the same thing, I am not responsible for this account, ( this is a relative, not XXXX of my children ) the calls stop for a little while then resume. I am very frustrated, any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Navient keeps adding balances and subtracting balances from my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified I was out of deferred. I respectively ask that the lates fromXXXX be removed and set to current. as soon as I contacted Navient my loans were put back in deferred. Also, I want all loans older then 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP,  as Navient is doing illegal collecting and reporting practices. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Account opening, closing, or management

Complaint: Regions elected to close my accounts. Because I was enrolled in their paperless program, I do not have copies of my records. I need the information from the following accounts in order to do my taxes. The only option I was given when I contacted my branch was physical copies, which I would be charged {$5.00} per page and {$5.00} per check. This is an overwhelming amount of money for my small businesses, since I had several checks daily. Also, I do not see the point of printing these records, digital is preferred. The following accounts are affected. 

Accounts : 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 non-monetary relief
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: on XX/XX/XXXX i got a secured credit card from bank of america. I was required to put down a {$500.00} deposit to open the account. About 3 or 4 months ago I applied for graduation to unsecured credit and a return of my deposit. The banker told me that not only were they not required by law to give me my money back, but also I would only get {$250.00} back and not the original {$500.00}. I was declined for the graduation and today XX/XX/XXXX ( call started at XXXX EST ) I was told by a customer service rep that I was " pre approved '' for graduation and that I would definitely get my deposit back. Then she said it was only going to be {$99.00}. Something crooked is going on and Bank of America should not be allowed to just keep peoples money like this.

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 06-08-2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I used free credit report to obtain a credit report and I needed scores from all XXXX companies. In attempting to obtain those scores each company had confusing or hidden charges. I thought I was paying {$39.00} for the report with all XXXX scores. Instead I was charged {$1.00} by XXXX then {$7.00} by Equifax and an additional {$39.00} by XXXX all on the same day, XXXX XXXX, 2015. Then XXXX charged me {$21.00} 7 days later, XXXX XXXX, 2015 for a credit tracker they said I agreed to. 
My Husband also needed a credit report with scores and we were charged {$4.00} by XXXX and then an additional {$39.00} again all on the same day, XXXX XXXX XXXX called XXXX 4 days after the additional charge of {$21.00} and was told that I could cancel the credit tracker as of that day but they would not refund any of the charges. I asked them to check the accounts by way of the credit card number charged and they acknowledge the account for myself and my husband and told me they would cancel the credit tracker for both of us ( but no refund for the extra charges ). 
Then on XXXX XXXX, 2015 they charged us an additional {$19.00}! That brings the total paid to {$130.00} for a " Free '' credit report. I acknowledge that I had to pay for the scores but {$130.00}!? 
I work in the mortgage industry and I am concerned with what happens to clients if they go to " Free '' XXXX. I am familiar with the industry and its terms and I was taken by the XXXX. What is happening with the regular consumer? If I had pulled a credit report with scores through the company I use for my clients it would have cost a grand total of {$18.00}. 
I am required to clearly and openly disclose why is XXXX and Equifax exempt from the same requirement and allowed to charge any amount with impunity?

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMUNITY CHOICE FINANCIAL, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX	
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XX/XX/XXXX

All Inquires were submitted without my permission.

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 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (TX).
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: On XXXX a charge of XXXX was charged to my account from a XXXX XXXX store in California I was in Texas, the state in which I reside in, When I noticed the charge on my account I filed a dispute with First Progress. The company rejected the dispute and would not give any explanation of how they came to the decision or provide any documentation on how they came to the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: It is impossible to view a statement with clear numbers for how much I owe, how much the interest rate has gone up and even the dates for the loan. Specifically they increased my interest rate and I ca n't look at previous statements to see when. I think it was this month. I 've had a loan with XXXX since XX/XX/2004, then Navient. For YEARS it 's been impossible to deal with them - repeated misplacement of documents during consolation, differing information between agents on the phone, hours spent trying to answer simple questions and changes made to payments without my consent. I have many years documented, including names, id numbers and conversations. Most currently I just want to see a statement and the online site has no option to do so. Also the loan never said it was variable when I first signed on with XXXX. It was sold to XXXX, and is now under Navient. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I began aggressively disputing the below accounts in  XX/XX/XXXX , I however have been disputing the accounts since  XX/XX/XXXX  when they first appeared and was reporting positively because they are not my accounts.  <P/>  1 )    XXXX   XXXX  / XXXX   XXXX   2 )   XXXX   XXXX  My initial dispute online was I had no knowledge of the accounts. I had  one   XXXX  account that is closed and positive and no knowledge of  XXXX  at all.  <P/> In response the credit bureaus  1 ) told me the debt was valid, 2 ) reported it as fraud 3 ) there 's another account with similar information as mine and asked me to send in identify evidence which I did.   <P/> Because of their response, and due to my confusion as to how you can say its valid and fraud and say I  may have   XXXX  reports, I then sent  TWO letter  s (  XX/XX/XXXX  a nd  XX/XX/XXXX   ) as king for validation for the debt since they were stating it was a verified not validated debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath.  <P/> Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information.  <P/> Inaccurate reporting is occurring because   : 1 ). They claimed it is a fraud account but also said they were able to validate it.
2 ) The bureau claimed to have investigated the validity   of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.

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 09-10-2016 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Delinquent account

Complaint: Synchrony Bank/Care Credit is reporting inaccurate information on my credit report in regards to a charged off credit card. I contacted XXXX XXXX at Synchrony Bank in XXXX of 2015 because I wanted more information about the account. XXXX stated that she could not give me any information about this account because Synchrony did n't have any information listed in their computer system. The only information available to XXXX was my name, social security number and a account number. XXXX advised me to dispute the validity of the account with the credit bureaus and Synchrony Bank in which I did. I received a letter from Sychrony Bank stating that they could not provide me with any information on this account because the account was sold to XXXX XXXX. Synchrony Bank also verified the account as reporting accurately with the credit bureaus but they can not provide me with any documentation on this account. Synchrony Bank/Care Credit has violated the FCRA by verifiying inaccurate information with the credit bureaus and proper documentation can not be supplied. How can they verify this information without the proper documents.

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 05-12-2015 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( 240 months or 20 years ), I will end up paying to the loan companies about {$78000.00}. Which is more than double my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone in XXXX is using my social secuirty number. I sent a questioner to XXXX XXXX XXXX and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: The lender is in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) due to actively proceeding to foreclosure sale set for XX/XX/XXXX ( Dual tracking ) while actively reviewing the file for loss mitigation ( loan  modification ) review. The lender was sent a loss mitigation application on XX/XX/XXXX and again on XX/XX/XXXX - the lender stated they never received the application sent on XX/XX/XXXX - We were advised of missing docs for the review as of XX/XX/XXXX and provided the missing items for the review as of XX/XX/XXXX on XX/XX/XXXX they advised all information needed for this review was provided and the file was sent to underwriting - we called for an update to the review as of XX/XX/XXXX - we were advised at this time the file was active litigation and all correspondences need to go through XXXX Atty. Up until this date we were provided all information on this file - Nothing has changed on this file to deem it a litigation file - We feel the lender is stalling this review so the sale date can proceed - we contact the XXXX atty ( XXXX XXXX, XXXX / XXXX XXXX XXXX - XXXX ) - this XXXX advised they know nothing about the XXXX proceedings they handle litigation. No one will provide us with an update or a postponement of the XXXX sale set for XX/XX/XXXX - we feel the lender is not willing to work with the client and has failed to do a complete and accurate review of the file.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (WI).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I wrote XXXX XXXX a letter stating the activity is not mine on the account and the bank would not listen to me at all. XXXX XXXX is closing my account and charging me over {$3000.00} for charges they are not mine and I would like this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation