milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Im a  XXXX  student that graduated from  XXXX   XXXX  on  XXXX     2016 and  they promised to help me find a job and failed to do so after I graduated. Im unable to pay my student loan that  XXXX   XXXX  gave me from Navient and I live on  XXXX  fixed income.  XXXX   XXXX  me and other students through an internship that was a small computer shop that looks like a sweat shop that doesnt teach us anything about our job careers in the computer field. I will like if you can please have the courtesy of resolving this issue by waiving or reducing my student loan that im unable to pay with my  XXXX   XXXX  income and prevent this from happening to other students from wasting our tax payer money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (I do not know) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a letter from them when paid the debt many months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/20/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (ME).
Issue: Loan modification,collection,foreclosure

Complaint: We fell behind on our house payment due to me getting sick with XXXX and having to have XXXX and XXXX treatments. I was out of work for over a year. They started foreclosure activity. we tried to do deferments of the loan or modification of the loan, with no luck due to not enough income, and said we were not eligeable for deferment of house payments due to unemployment. We were also told that we could not appeal the decision which the letter from the bank stated we had 30 days to appeal and we tried to appeal 3 days after the letter. We resubmitted our request for modification and was told that when they were reviewing the modification request that all foreclosure activity would stop until they had an answer. 3 days later XXXX XXXX called and said that they were going to proceed with the foreclosure and the sale of the house even while they were making a decision on the modification while it was in review. We still continued to receive letters stating that they would have an answer on the modification by XXXX XXXX. The house had already gone up on forclosure and has been listed on auctions.com I called the lawyer that represent citi XXXX XXXX XXXX and was told that citi has so many different departments and they do not communicate with each other, that our house was on hold for the forclosure sale. Still being listed on XXXX for auction.

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 04-12-2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is in rebuttal to previous complaint XXXX against RoundPoint Mortgage. 
First off regarding the response I get back- There are six indiscretions already and two more if you count the ( not once but twice ) incorrect addresses by which you sent the certified letter. Is n't it easy to see why I have to raise the complaint to another level. 
The one issue that raises the biggest concern is this- You service the loan for XXXX and in light of the unusual circumstances and legal issues surrounding this case, do n't you think it is deserving of this situation to inquire instead of blindly assume that XXXX would not want you to reflect accurate reporting of this loan. I quote - '' The investor of the loan did not request we stop reporting the account to the credit bureaus. As such, we reported the account to the credit bureaus. '' Hello? Someone pick up the phone or send an email to legal department, i.e.. XXXX XXXX and ask the question ... .. 
If accurate reporting is the ultimate goal here, can you see why it is wrong to report me as delinquent for 180 days or more when 1 ) there seems to be no indication that XXXX was in the know on this and 2 ) I was n't in the know on this? Did I receive or can you show where I acknowledged by signature or any other legal means of proof that I was informed of this loan being reported as delinquent because I came out of a forbearance status? In fact, it was not a forbearance status at all. It seems this was just a category to drop this loan into when XXXX agreed to partner with me in litigation against the builder. Again, if accurate reporting is the goal here, BLOCK all months and accurately report what it truly was! This is not because I could not pay or would not pay! So ask yourself, does it reflect accurate reporting? 
Lastly, why does it take 4-6 weeks to change what you have already admitted has been erroneous reporting?

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (OR).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: This is a complaint about XXXX insurance and their apparent use of XXXX . which is subject to the FACTAct which is missing information regarding insurance on the property for which I served as Trustee and now serve as manager for the management company for the present owner ( s ). <P/>I served as the Trustee of my dad 's trust managing his home and financial affairs during his late life and after his passing. I arranged for and paid the premiums of his homeowners/ landlord policy. After his passing, I arranged and signed for the transfer of ownership to my younger sister and her husband and became ( rental ) property manager for them as they live in a distant location. <P/>In arranging property insurance for them with XXXX, I am now advised that they have issued the policy with a one month term and non-renewal notice based on the statement that no insurance is presently in place. This is not true and I have evidence to show that. Further, they did not reach out to either the agent nor to me or the owner to obtain clarification. It appears that they have relied solely on XXXX. This database is apparently not up to speed as the change in ownership and change in insurance and prior insurance agencies have muddied the water. <P/>I have contacted the XXXX Chairman 's complaint hotline : XXXX XXXX at XXXX x XXXX. She said she is unable to receive from me the evidence of insurance that I wanted to provide to them. I do not believe that LexisNexis ( owners of XXXX ) will respond sufficiently fast in correcting their database, and then am totally skeptical that XXXX will correct their inaccurate assessment timely to avoid an insurance crisis. <P/>Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Payday loan () with ACE CASH EXPRESS, INC. (DC).
Issue: Charged fees or interest I didn't expect

Complaint: Received threating calls, that Ace will persue legal and criminial charges against myself when I paid off a loan back in 2009. But do n't have receipt that proves I paid it off. End up paying them back XXXX so the charges will be drop.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have specifically requested Asset Acceptance LLC to provide proof of debt owed, they have not provided any type of proof regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was to be paid by my insurance company at the time. Someone at the hospital goofed up and billed me instead. Since the insurance company was responsible for the debt, not me, I did not pay. I instructed the medical company and the collections agency to contact the insurance company to settle the debt. They did not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went online to get XXXX reports. I got XXXX. Then tried to get the other XXXX. Equifax asked security questions and none applied to me. I have been sick a few years but I know they did not apply. XXXX asked questions and the said I could not be verified. I knew one question was wrong. My complaint is that they want a copy of my driver 's license and a utility bill. I live partially with my daughter. I can not provide that. Is this a way to discriminate against older people with health problems? Just going to the post office for this is a chore. My delinquent debts are from a time in the past few years where it was either eat or pay a bill. I would like to get this straight but ca n't. I also think you should be better monitoring how these XXXX can contribute to ruined lives with impunity.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I had an unpaid balance of {$1100.00} and was charged {$110.00} in interest in 1 month. My interest rate is 16.74 % and I should have been charged {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Good afternoon- I have requested on seven occasions now that Equifax remove inaccurate information from my account regarding XXXX . XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; Exquifax refuses to conduct a proper dispute. Letter is attached from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (RI).
Issue: Struggling to pay mortgage

Complaint: I have a mortgage with XXXX Mortgage. In XXXX XXXX XXXX, I initially applied for a loan modification. I have faithfully submitted the required paystubs, bank statements, tax returns and documentation requested by XXXX since my initial submission. However, XXXX has continuously informed me that my application was complete and then sent me letters stating that documentation such as paystubs and bank statements had expired and that I would have to re-start my modification all over again. 

I believe that XXXX has purposefully kept my request for loss mitigation assistance in abeyance through duplicative and redundant requests for documents which they have already received. This appears to be a pattern and it may not be an isolated incident.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Payday loan, title loan, or personal loan (Title loan) with AAA Auto Title Loans, LLC (AZ).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: Company, Cash One repossessed my vehicle after 35 days past due and is now not answer their phone when I attempt to contact them. The loss of transportation has now led to loss of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with United Student Aid (USA) Funds (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Mortgage (Other type of mortgage) with MNE Services, Inc (AZ).
Issue: Trouble during payment process

Complaint: I make XXXX payments to assist in paying down the loan faster. In the past, I had XXXX as a lender and made XXXX payments for 2.5yrs. I see the XXXX XXXX reduce in comparison of making monthly payments. 

I sent a partial {$700.00} payment on XXXX/XXXX/XXXX via ACH, after the cycle date. The payment cleared my bank account. The payment was suspense and returned on XXXX/XXXX/XXXX, which I received the returned funds back. 

I sent a second partial {$700.00} payment on XXXX/XXXX/XXXX via ACH, making my XXXX payment whole of {$1400.00}. The payment cleared my bank account. The payment was in suspense and returned on XXXX/XXXX/XXXX. 

I called XXXX Mortgage on XXXX/XXXX/XXXX. Asking if they can just hold the second payment in XXXX of re-processing the {$700.00} to make the account whole. I was advised by the agent the account will be forward to specialize for review and to follow up in couple days On XXXX, I called back to follow up on an update of the payment I asked to hold since I was going to re-process another {$700.00} to make the account whole. The agent advised the XXXX/XXXX/XXXX payment was returned and I will receive the funds in 7-10 days. I was advised about the partial payment procedure. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I tried to get a loan modification from BOA for 4 years. I sent documentation over and over and they kept asking for the same papers over and over. In 2013 BOA informed me that it made a claim for payment on the FHA mortgage insurance. My mortgage was sold to FHA, then to a different company. I was instructed to continue negotiating with the new servicing company. Well ... BOA still convinced a judge to send my property to the auction bloc. Isn ' t that fraud? trying to steal someone 's house after claiming insurance money from FHA?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: money was taken XXXX to XXXX in the amount of $ 12-14 per month although the money was being deposited by the SS Department on a monthly basis that required no monthly fee. Bank of America has refused to return my money in the amount of approximately {$1800.00} I have written them letters to try and resolve this issue, but they refuse to acknowledge their errors.

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 05-06-2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CO).
Issue: Application, originator, mortgage broker

Complaint: Since I submitted my prior complaint ; ref ( complaint number XXXX ). 
I have XXXX more issues : in order for my lending to process my loan, Carrington Mortgage had to transfer the Appraiser, Carrington Mortgage refused to do this until I paid {$600.00} which according to them was the cost of the appraiser. I mailed in a Cashier check for {$600.00} to Carrington Mortgage. The Appraiser is now transfer to my lender who informs me that they were notified that the appraised has not been paid and payment had to be made before the process could continue. The actual appraiser fee was actually a little over {$400.00} not the {$600.00} I sent to Carrington Mortgage. This is ridicules that a company will falsely charge me money. In addition to this, Carrington Mortgage continued to email me stating that they would beat any offer that was given to my by new lender, this was propose to my several times and I have the emails to prove it. I responded that I was no longer interested and that I was not happy with their services. Now I received a letter in the mail stating that I got a negative report in my credit score because Carrington Mortgage disapproved my credit after the fact. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Payday loan () with CITIBANK, N.A. (PA).
Issue: Can't contact lender

Complaint: on XXXX, XXXX, Citi Bank sent me a {$10000.00} credit limt with a 0 % interest until XXXX. I used XXXX of the checks to pay off credit cards. I got messages from credit card payments that they bounced I called CITI Bank and was transferred through the ranks until I spoke to a underwriter. He assured me that it had to go through one more underwriter but he was almost certain they would reinstate their offer. Next day email told me I was not approved for the original amount. This decision was made after my checks were mailed. I believe the bank was unethical and did an illegal thing to their customer. I have mailed them a letter by priority mail complaining abouttheir business tactics. I have not heard from them and I want to follow throuogh wkith sueing them for the amount thart was offered.

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 11-02-2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notification from the Credit Bureaus that the Company Deville Asset Management has flagged my accounts for collection. I never received any letters with any chance to verify this. I disputed this company earlier this year for failing to provide my signature proving that I owe them anything. They also removed this from my report. I received a notice on XXXX XXXX, 2017 which I will attach. They have violated the FCRA on reinsertion, and have also failed to provide me with any proof that I have business with their 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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX. With the XXXX fiasco, I tried to contact Transunion to put a freeze on my credit report. Initially, when I clicked on Click to initiate freeze process, I was directed to a screen about a {$19.00} fee. Later, I got the message, " We are experiencing heavy volumes due to the XXXX breach. Please try your request again later. '' I 've been trying for days. Now, the message is The website is temporarily unavailable. Please check back later. We apologize for the delay. Incredibly, initiating a freeze with XXXX  and XXXX was easier. 

XXXX. Why is TransUnion trying to get us to pay them {$19.00} for a freeze? This should be waived. 

XXXX. I 'd complain about XXXX, but everyone knows about that situation and a complaint wo n't solve anything.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL 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 07-11-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage servicer Carrington Mortgages LLC claims that I mistyped my account number when attempting to make payment via their payment website on my mortgage for XX/XX/XXXX. I have requested in writing via certified mail that they show me evidence that such a mistype had occurred. I am currently awaiting for their investigations to complete to be advised. In the meantime I received a phone call stating that my account has now been " flagged '' and that I need to call them up ASAP. I am not in arrears. Hopefully they will post my XX/XX/XXXX mortgage payment that I submitted for mortgage payment XX/XX/XXXX. 

Prior to the above, they increased my escrow account cushion since they claim they require 60 days cushion whereas previous servicer XXXX XXXX XXXX did not, then they hard push for me to refinance with them. 

I would like to know what financial benefits or interests this organization has for being a mortgage servicer. As I feel that there is none whatsoever except for recovering late fees and foreclosing on individuals which have never been late prior to Carrington Mortgages LLC becoming their servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE FARM BANK, FSB (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing/Cancelling account

Complaint: I have a credit balance of nearly {$2000.00} on my Capital One credit card. I have repeatedly demanded that Capital One close my account and mail the credit balance to me but they refuse. Capital one keeps holding on to my credit balance. By law they are supposed to refund me when I ask.

Company response to consumer: Closed with explanation