milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My SSN was compromised by another lender and pulled multiple times without my authorization. I have informed the credit reporting agency and even after a fraud alert was placed they allowed them to pull my file. per the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ) the must remove it by law. I want these deleted from my file.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I tried to modify my loan in late    2015  through  XXXX   XXXX , I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest.  XXXX   XXXX  then since late    2015  has reported  2 lat e payments both   XXXX   days late. I have never paid my mortgage more than  XXXX  days late, I did all trial payments on time, I have contacted  XXXX   XXXX  regarding their error and they do not correct the problem, I have also disputed the account with all  XXXX  CRA but  XXXX   XXXX  continues not fixing their error.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This complaint is about a Navient practice. I have contacted Navient directly and was told that my individual problem would be resolved, but the larger practice needs to be stopped. I have been making the same automatic debit payment for several years on my student loans. This month, my statement said the amount due was {$300.00} less than it normally is. I was given no notice of this change, and I did not request this change. If I had not been paying attention, I would have started making smaller payments, therefore owing Navient much more over time. When I contacted them, they said " the system '' automatically recalculated my debit payments. Now that I am getting close to paying off my loans, the system calculates payments to keep me paying longer and therefore owing more interest on more payments? With no notice? This is an extremely deceitful practice. My personal situation should be remedied for the next month ( but only after having a month where I could n't change it, even if I can make my own additional payments ). Consumers need to know that this is happening and to pay attention to their statements. I also do not understand how this can be done without my consent and without notice that it was happening. It feels like a trick to get borrowers to owe more by quietly changing automatic payments that borrowers are n't thinking about because they are automatic. Luckily, I always check statements and review my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with VW Credit (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a hard inquiry for VW Credit XXXX on X/X/17 as well as XXXX XXXX also on X/X/17 which does not make sense as I have had a lease with XXXX now for 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX - XX/XX/2016 XXXX -XX/XX/2016 XXXX- XX/XX/2016 XXXX- XXXX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX- XX/XX/2016 XXXX- XX/XX/2016 XXXX-XX/XX/2016 XXXX-XX/XX/2016 These are hard hard inquiries that was made on my transunion report. It was a fraud alert place on my file at that time. and no one called to verfiy my information with me stating these alerts. and now that i 'm trying to purchase my first home these are effecting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: My friend wrote me a personal check from his Bank of America checking account. He left the payee line blank. When I walked into Bank of America 's XXXX XXXX XXXX, XXXX, MO XXXX office at XXXX on XXXX XXXX, 2015 to cash the check the bank teller and a female branch manager both refused to honor it. They stated that " Federal Reserve regulations prohibit us from accepting the check ''. My understanding of banking laws is that when the payee line is blank, the bank may ask me to fill in my name, endorse the back of the check, or show proof of ID but may not refuse to honor the check. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Medical) with AmeriCollect (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX 2014 I went to the hospital with full healthcare coverage. I paid my copay and received medical service. I paid the appropriate healthcare bill and have had my account sent to Americollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in the process of trying to avoid a foreclosure by selling my home. I did n't want to sell my home but Fay Servicing would not approve me for a modification. After 6 months of a loan modification review I put my home on the market to avoid a foreclosure. Fay servicing in not giving enough time to go through the transaction process. They have refused to stop my sale date while I was in the middle of getting the sale through the escrow process. We have a serious buyer who want to purchase the home. This is not a short sale, and Fay will be paid in full plus the foreclosure fees. I am a Veteran and now have to go to legal services to file a bankruptcy to stop the sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Tax liens have been released.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Delinquent account

Complaint: XX/XX/2017 Mailed check to Old Navy/Synchrony Bank to pay balance of account. Check posted XX/XX/2017. XX/XX/2017 Rec 'd past due notice for {$230.00}. Conducted chat line chat with no resolution. Chat rep claimed my check returned NSF. I called my bank. Check never processed through them, not posted to my account, and nothing on my account returned. In subsequent calls Old Navy/Synchrony communicated the check was actually returned " uncollected funds '' & it 's between me and my bank. They also said they could n't provide a copy of the front and back of check and would not return the check to me. My bank ca n't track without that information. A chat rep also asked me to send them my bank statement showing that I have the funds available in my account and they would look into it. I refused! On XX/XX/2017, requested # for a Manager. I was transferred. Again, Manager stated they ca n't return or send a copy of the check to me. Meanwhile, I am showing past due, delinquent and owing over {$7000.00} which I paid on XX/XX/2017 with Old Navy/Synchrony Bank still saying it 's my bank 's fault. Today I am sending a cashiers check for the original balance due by Priority Mail. I requested they remove all late fees/NSF fees/additional interest. Manager said they ca n't do that. Thank you.

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 12-01-2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Application, originator, mortgage broker

Complaint: I began a refinance with Citizens Bank. I paid a {$600.00} good faith deposit. Citizens sent out an appraiser who gave an extremely low appraisal ( {$160000.00} ) on my home. As a side note, I restarted the refinance process with XXXX and got the house appraised at {$200000.00}. The low Citizens appraisal meant that I could not go forward with them as the loan products they offered based on that low appraisal were not satisfactory to me based on what we originally agreed to. I asked them to then refund my deposit and they refused. I took this up with Citizens and ultimately, they claimed the new XXXX appraisal that I sent to them was wrong - although it was more in line with actual values in my town. Long story short, at every level they refused to refund my deposit. I understand the need for a deposit to make sure that I have " skin in the game '' - however, in this case, their appraisal was the outlier and the reason that the agreed upon loan could not be completed. They insist that I signed documents that allow them to keep my deposit, but this is all on them. I would like Citizens to refund my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (I do not know) with EOS Holdings, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have written XXXX certified letters to this Debt Collector challenging the accuracy of debt attributed to me. I have never had an account with XXXX XXXX XXXX. I asked to send me documents to back up their claim. Nothing is forthcoming but the debt collector continues to report this to XXXX and I believe XXXX. There was a problem with identity theft when I was in XXXX from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I fell behind in my payment and currently owe 2 months of payments and late fees, but the mortgage company has made it impossible to make my payment either online or by phone unless I pay the total amount I am behind. This is making it difficult to keep from falling further behind as I must now mail a check for one month 's payment. They also will not record the amount of the payment I am sending in unless it is the full amount which is causing me to incur further late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We have a predatory loan. The mortgage adjusted/increased from a monthly payment of about {$1200.00} to over {$2200.00}. We were not aware this would happen. We could not afford the increased payments and got behind on the mortgage. In addition, we sufferred cuts in overtime and had to take furlough days which reduced our wages. We asked for a loan modification, but was denied. Each time we were denied, the mortgage servicer asked us to complete the modification paperwork all over again. We completed paperwork at least XXXX times only to be told we do not qualify. The last time we were told we qualified for the modification, made XXXX payments and again was told we did not qualify. The mortgage company filed foreclosure in 2009. We filed bankruptcy to stop the foreclosure. We want to keep our home, but the mortgage company will not work with us. At the advice of our attorney, we were told to stop making payments. We have been living in our home for several years without making payments. No one wants to talk to us. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Medical debt) with SYNCHRONY FINANCIAL (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent a payment in and they refused payment so therefore I do n't owe anything. I have a bank copy of the rejection of payment. They never got back with me. So I just let the file go. Yes they sent me a bill. They never sent a bill until I requested and then it was n't the amount that was agreed upon. The amount was higher. Since they rejected my payment I believe I do not owe the monies.

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 06-06-2017 about Debt collection (Other debt) with LENDMARK FINANCIAL SERVICES (MD).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Attempting to garnish my wages for double the original debt even though they recovered the atv that I had the loan on

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Other service problem

Complaint: Coinbase has " temporarily disabled '' my account for over a month. After several times of contacting support via their support request, no response has been given by them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I lost my social security card and now i am unable to open a bank acct in my name. I attempted to sign up for credit karma, and it 's stating that info does n't match.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I went to Bank of America to make a deposit into my savings I put in my ATM card press my pin the ATM slot open and I inserted XXXX inXXXX dollars bills the ATM accepted some of my cash and push out some bills it did n't accept I inserted some different bills to add into ATM.the atm began to malfunction the ATM push my card out with no receipt of proof of deposit and went blank.i called the number on the ATM and a claim rep ask me what happened and for the number I 'd of the ATM while I was on the phone with the claim rep I told her I was gon na check my account on the second ATM to see if my transactions was success upon checking the transaction did not go threw.while I was on the phone with the rep I wanted to deposit money into my checking account so I told rep I was gon na deposit {$600.00} into my checking and ask her to monitor transactions from her side in case I have trouble with the second ATM the deposit went threw successful i wanted to leave evidence in the bank and completing my transaction in the bank while claim rep on the phone.when claim rep told me they will have some one there between 24 to 48 hours to check ATM and I was gon na get a temporary credit into my savings account.i left the bank that night and return the next day and spoke with the bank manager she told me give it some time and to follow up with her if i did n't hear anything by Wednesday I waited to Saturday XX/XX/XXXX I spoke with the same manager XXXX and I told her is been a week and I have n't heard anything she said that good news I told her I was n't satisfied with a temporary credit I wanted my deposit found and a final resolution then on XX/XX/2017 Bank of America denied my claim.there reason was no ATM deposit overage was reported I requested for a more thorough investigation to check both ATM and video footage and check ATM history of my deposit into my savings account there should have been some evidence from machine or video the bank escalated my claim and this time within 3 days they comeback with same decision when I ask for a more thorough investigation it took a shorter time than the initial investigation please look into this matter for me and let me know what i can do next

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 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with M&T BANK CORPORATION (NC).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I opened an account with M and T bank and used it for a balance transfer. When i finally paid off the balance I called them and asked to make my final payment and close my credit card account. I had never used the card except to transfer a balance and pay it off. I successfully paid my final bill of about 1,000 USD in XX/XX/XXXX. In XX/XX/XXXX I received many calls from M and T bank about having unpaid fees and charges. I told them that I had closed my account and paid the balance so I did not understand how I was still accruing any charges. She explained that there was some sort of final charge and I reluctantly paid the XXXX dollars. Just today, XX/XX/XXXX I received a call from M and T bank alerting me that I had unpaid fees and charges amounting to over 100 . I am still shocked at how, having closed my account, paid a balance as well as some extra fees I am still being hounded and charged by this company. Please 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 09/18/2017 about Debt collection (I do not know) with Security Credit Services, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Security credit services has verified a debt unlawfully and they have listed the debt on my credit report. I have emailed the company, and spoke with XXXX one of the supervisors and left many messages with their compliance department to furnish the required documents proving the debt is mine, and they continuously can not and will not give me the copy of any original contract with my signature showing the debt is legitimate, nor have they furnished me any charges that were made and for what, and any payments made to this account showing from the original creditor proving the amount is even correct. They refuse to follow the sate statutes and guidelines, AND companies that illegally run debt practices like Security Credit Services should be regulated and fined appropriately. I dispute this debt with this company and their unlawful actions validating the debt without the mandatory verification procedures. Please move forward with your investigation as i am also contacting a law firm to make a civil lawsuit against Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (IN).
Issue: Struggling to pay mortgage

Complaint: My loan from boa was sold to pennymac c around  XXXX  of  XXXX .  Yesterday   XXXX   XXXX   XXXX  I asked for a copy of payments for life of the loan. Pennymac said they would have to ask boa for the records when they owned loan. I thought all records are to forwarded to new loan owner when they acquire ownership? I was in foreclosure with boa but it got paid. Now I see pennymac has all the fees and costs on my account with pennymac.  XXXX  took me to court notpennymac

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I recently saw that the federal government has filed a lawsuit against Sallie Mae and was directed to file a complaint against them on this site. I have had nothing but issues with Sallie Mae since I applied for a loan prior to starting college in XXXX. I believe that they had me borrow more money than I ever needed to from the start and since I graduated in XXXX I have struggled tremendously with repaying them. I have had issues finding a job in any field despite having a XXXX and my payments to them are making it nearly impossible to repay them. I contacted their customer service this past summer to attempt to sign-up for an income-based repayment plan and was treated rudely by their customer service and was told that they do n't have such a plan. Later, I found out that they do and ended up defaulting on a few payments until it all got sorted out. I am tired of dealing with this company and, alongside millions of other recent graduates, would like to see them have to deal with how they have treated their borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a loan modification package around XXXX 2016 to Chase Mortgage loan modification department. I was actively working with Chase Mortgage when my property was referred to foreclosure. 

My property was placed in foreclosure while working on a loan modification. 
Chase double tracked my home while I was attempting to qualify for a loan modification. 

Now my home is in foreclosure and my payments have been blocked making me fall further behind on my mortgage payments. I was not given proper time or opportunity to be reviewed for a loan modification..

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I tried to explain that this debt does not belong to me and I was not able to get any results

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