milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Approximately two years ago and recently, I acquired with Navient about lowering my student loan payments. They insisted they could not do this because the rates they charged must be consistent with what the federal government wanted them to charge for my student loan. Also I was told I had to have a specific type of repayment plan, just to be qualified for public service student loan debt forgiveness? This I find appalling and unacceptable. Navient should not be able to make faulty profit off of our hard earned dollars as a student or former student. I am requesting that their claims of following government rules and charging mass amounts of interest be looked into. I also have reservations as to how my loans were handled with my XXXX XXXX XXXX XXXX College, whom that branch has been closed down for two years due to losing their accreditation? Please look into this matter and advise on next steps or options. Many Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: My complaint is regarding closing my credit card account with XXXX XXXX. First off I would like to say I was never aware of opening this XXXX XXXX 'XXXX XXXX ' store credit card. I did make a purchase with the store back in XXXX XXXX I believe and did give some of my personal information to a store employee just to see what kind of financing I could qualify for. I however was not interested and decided not to use or open a card with them. Since then, it came to my surprise months later, try 6 months later I 've been receiving XXXX XXXX mail regarding the account they 're telling me I opened. In the meantime I never received a credit card in the mail to activate from XXXX XXXX and was never aware of opening an account and here they send me mail regarding my account ending in this specific number etc. 
I called XXXX XXXX and told them I never received a credit card and was not aware of this account being opened in my name. I also told the woman from XXXX XXXX that I would like to close the card. She did tell me the account was never used and there was XXXX balance on the account, and she told me she would close the account. I made this phone call 2 months ago and now I have again received a letter regarding my account in XX/XX/XXXX, which tells me they never bothered to close the account. 
Please help make sure this credit card account is closed. This has seemed very sketchy to me and I worry that someone will get access to this account and use a card in my name. I would like to close it before that happens and receive verification from XXXX XXXX this account is closed. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Good morning, On  XXXX   XXXX   2016 I o rdered  XXXX  pills off of a page on  XXXX . It said I only haf to pay for shipping and handling.   I got a text from my Bank to authorize the transaction. It was  XXXX  amount s :  XX/XX/XXXX   -  XXXX  - {$4.00} ( Declined ) ;  XX/XX/XXXX  -  XXXX  - {$1.00} ( Approved ) ;  XXXX  -  XXXX  - {$4.00} ( Approve d )  The total was {$11.00}.   I accepted that.     A few days later I got the wrong product. It also contained gelatin, which I 'm  XXXX  to.   I sent them an email telling them I received the wrong product, I was told to call customer service.   Being that it was a   XXXX   XXXX  , my mom said to forget about it. She would take the pills.   I thought that would be the end of it.   A few days later I was checking my bank statement and saw to transactions that I had not made.  XXXX  of them for {$79.00} and another  XXXX  for {$69.00}. I was waiting for them to be posted so I could contact the bank ( they were still pending ).   When I called the ban k ( B ank of America ) I was told to call them, the scammers, and ask for a returner address and return the product being that it was never opened and to close my account. When I called the scammers on  XXXX   XXXX  they said there was nothing they could to about it, they do n't accept returns and I was outside of the two week trial. I did n't even know there was a two week trial. That said that when I signed up for it I was accepting to be billed every month. I would have never signed up for it if I had known, I would have paid a few extra dollars and ordered it off of  XXXX .   I was offered a 50 % refund, I kept on fighting over the phone, then a 75 % refund and that was all that could be done. I kept on telling him how it was all wrong, etc. They are scamming people, ripping them off and that 's just not right. I asked them to close any account I did not open with them so that I would never be charged again.   I called my bank back and the person who attended me said that I should just take it, being that there was fine print that they probably would n't be able to do anything about it and I would n't get anything back.   Now I 'm waiting to get my {$110.00} refund.   I still want the other {$37.00} + shipping. I never even received the proper product.   I work very hard for my money, it 's not right for people to just take it away like that.     Thanks.

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 03/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off a collection with XXXX XXXX and have proof of payment on record. Please update my credit report accordingly. I no longer owe this debt.

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 09/20/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been in regular contact with our lender on a rental home we were in the process of selling. The original buyer defaulted so it did n't close in XXXX as planned. I maintained close contact. We had another buyer set to close on the XXXX XXXX Carrington Mortgage told me on several occasions we were okay and they would let us know if foreclosure proceedings began ... .it was n't in foreclosure. The FULL payment was wired Friday XXXX XXXX. They rejected it Monday, the XXXX, saying it went into foreclosure on the XXXX. Now they say it takes 48 hours before we can get another payoff amount and they wo n't accept the funds. Buyer is in the home. As I stated ... .they are being paid in full. We were to get about XXXX and apparently they seem to want that to. How can they do this after providing a payoff amount? We had absolutely no idea ... the second lady at Carrington said it was n't actually in foreclosure just foreclosure status ... .so they want attorney fees now. Though it was forwarded such a short time ago the ca n't even give an amount because whomever this supposed attorney has n't done anything .... We still have n't heard from anyone or been given any documentation stating the home went into foreclosure ... ..just a payoff that gave figures that could be used until the XXXX. Which now Carrington is trying to say the payoff expired even though it said here is the amount and add this much per day until XXXX XXXX, etc .... for payoff. Escrow wired the full amount Carrington Mortgage said good through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: Hello, Over the past weekend I attempted to send a {$1000.00} deposit to CoinBase.com, and was promised a date this amount would be available ( XXXX/XXXX/XXXX ). 

This money is not available and I the transaction status on coinbase.com is no longer present despite my bank registering that the {$1000.00} was sent. 

I would like an explanation for this and a notification for when this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Credit determination

Complaint: Pulled credit report without permission,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been private loan paying for 13 years but the balance is still more than $ XXXX. I am getting sick of this debt and want to escape from this nightmare. Would please help me??

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have paid down my mortgage below the requirement for PMI. Freedom Mortgage refuses to terminate my PMI unless I pay for an appraisal at my expense. Per the below they are to automatically terminate upon reaching 78 % of original value of the home so there would be no need for me to pay for an appraisal. My house has increased in value but that should not be relevant per the below. 

Automatic PMI termination Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. You also need to be current on your payments on the anticipated cancellation date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 

It 's worth noting a termination request is different than a cancellation request. Your lender must terminate PMI even if the principal balance of your loan has not actually reached 78 percent of the original value of your home - for example, because the value of your home declined.

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 05/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I took out a loan in XXXX with Washington Mutual for {$780000.00}. I feel it was a predatory loan where I had a negative amortization payment before I had financial hardship and filed for Bankrucpty in XXXX. I have been trying to obtain a loan Modification ever since. I have been denied and have a sale date on my house for XXXX XXXX, XXXX. I feel that the their may be XXXX or more of the following violations : VIOLATION OF TRUTH-IN-LENDING ACT ( XXXX XXXX XXXX ETC ) VIOLATION OF XXXX WALL STREET REFORM AND CONSUMER PROTECTION ACT ( Pub.L. XXXX ) IMPROPER SECURITIZATION AND TRANSFER OF LOAN : Fraudulent concealment and violation of lender 's own underwriting guidelines. 
Violations of the Real Estate Settlement Procedure Act ( RESPA ). 
Systematic creation of false and inflated appraisals encouraging borrower ( s ) to commit to the loan under false pretenses. 
Fraudulent endorsement and falsified disclosures prior to commitment. 
Fraudulent endorsement and/or transfer by XXXX 
Beneficiary process, rights to foreclose, robo-signing documents. 
Phantom investors and signing beneficiaries. 
FAILURE TO MODIFY LOAN TERMS UNDER FEDERAL QUALIFYING GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX, FL XXXXXXXXEquifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Debt collection (I do not know) with Nations Recovery Center (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They left a message on a voicemail that clearly states many people use it. They left my full name & said they were attempting to collect a debt. I have no idea how many people heard this message, but XXXX of my friends have now told me about it. This is a Google voice mailbox and they have saved the recording in case it is needed later.

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all  XXXX  bureaus - Experian,  XXXX  and  XXXX .  <P/> To add insult to injury,  XXXX  made a hard pull on my  XXXX  credit report i n 2015. Th is was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and   XXXX    had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in  XXXX  's case, the fraudulent inquiry.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Select Financial Services, Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I requested from "  XXXX   XXXX  '' numerous times for reinstatement so I could issue a cashier check to reinstating my loan. It 's my belief that  XXXX   XXXX  purposely abandon their policy. On  XX/X/2016    at  XXXX   XXXX  fo r 20 min/ 47sec I  spoke with  XXXX   XXXX   a  employee with  XXXX   XXXX  she was baffled and in shocked as to why I was not issued an reinstatement letter. She reordered the reinstatement letter  ( this m akes my fourth request ) which was cancelled for a second time.   XXXX   also confirmed the following  : 1.  On  XXXX   XXXX  I ordered a pa yoff 2.  On  XXXX   XXXX ,  2016 I re quested a reinstatement stateme nt 3.  On  XXXX   XXXX ,    2016 I sp oke with  XXXX   XXXX  and in his notes I re-ordered a reinstatement statement but it was never order.   4. On  XXXX   XXXX ,    2016 I p aid  XXXX  as of  XXXX   XXXX ,  2016 a  partial payment ( unapplied ) {$7100.00} was in SUSPENSE Currently I owed {$5900.0 0} 5.  On  XXXX   XXXX  , 2016 I s poke with  XXXX   XXXX  she was highly perplexed as to why I did not received a reinstatement statement ( prior to making a payment, stating its their policy that a reinstatement statement must go out to the borrower to assure the borrower of the reinstatement balance owed.    6.  She confirmed on  XXXX   XXXX  , 2016     XXXX   XXXX  deleted the reinstatement request.    7.   XXXX   XXXX  re-ordered the reinstatement statement and schedules a follow up call on  XXXX  at  XXXX . Unfortunately we have not spoken again.     I was charged  XXXX  late fees  XXXX  for  XXXX     2016 a nd  XXXX     2016.     XXXX   XXXX  claim I owed over {$6000.00} in fees that carried over from  XX/XX/XXXX   XXXX   XXXX . Untrue.   They have submitted to the credit bureaus that I have been 60 days late, for  XXXX  &  XXXX     2016.

Company response to consumer: Untimely response
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
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 XX/XX/XXXX-17 i paid a company called XXXX XXXX the sum of XXXX on my synchrony card.I told the bank this company sold me a bill of goods under false pretenses.I paid a company who I thought was XXXX XXXX but turned out to be a company called XXXX XXXX.I told the bank I had never done business with a company called XXXX XXXX.It turned out XXXX XXXX who is in kahoots with XXXX XXXX sent us a brochure XXXX XXXX to cover their scam.I talked to XXXX XXXX who is suppose to be a lawyer with no bar license in all 50 states.I was to receive a full refund no problem.I have e-mail proof of this.Then when i found out my card was charged by XXXX XXXX I contacted the company and XXXX XXXX told me i would receive a full refund.I have the e- mails as proof.How can the bank deny my dispute when i have proof i am owed the refund.I was never rendered any service from either one of these companies.I have all this in black and white.My bank needs to take a serious look at these companies .With the evidence I have there is no way I should not have won this dispute.I feel this was not taken seriously by my bank.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACIMA CREDIT, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I bought a mattress from XXXX XXXX XXXX in XXXX XXXX, Florida. I financed {$1100.00} with Acima Credit. I paid the balance before the 90 day deadline. I had a credit report last week that says I owe {$1600.00} to Acima. I called Acima yesterday and they said I do not owe anything. I never owed {$1600.00} to Acima. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (FHA mortgage) with CITYWORTH MORTGAGE LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: I was approved for a loan from CityWorth Mortgage on XXXX/XXXX/XXXX. My agent sent the loan officer XXXX XXXX the contract on XXXX/XXXX/XXXX. It took him weeks to get started with the loan process. On XXXX/XXXX/XXXX my realtor reached out to him again to see if he started working on the file, but he would not respond to her. On XXXX/XXXX/XXXX he started working on the file. XXXX/XXXX/XXXX he advised the appraisal came back with repairs. On XXXX my agent emailed him to advise repairs were made and for him to order re inspection. he advised it was reorder XXXX. On XXXX/XXXX/XXXX my agent spoke to the appraiser who advised he never received a request to go back to the property. On XXXX/XXXX/XXXX my insurance info was emailed to him. On XXXX XXXX, he had all documents he requested. On XXXX/XXXX/XXXX I sent him documentation I was now receiving XXXX, resent XXXX XXXX, and bank statement .XXXX would not respond to use for over a week. We have emails showing from abt XXXX to XXXX XXXX would not provide updates. On XXXX my agent as for his supervisor, no reply from XXXX. On XXXX XXXX states he needs a clear copy of funds ( which was a gift to close ) leaving my sons acct. That was provided multiple times. XXXX said XXXX the file was in underwriting. On XXXX the processor sent an email asking for pay stubs, bank statements, tax transcript, and insurance information all over again. On XXXX my agent again ask for number for the corporate office so we can file a complaint no reply from him or his supervisor with the information. On XXXX XXXX his supervisor advised my agent this file never went to underwriting. He also advised they are denying the file. There are so many things wrong with this process. They did not process this in a timely manner. They did not communicate and update correctly. Finally they denied my loan but i am still employed and I have XXXX income. I feel like this is discrimination. After being denied on XXXX/XXXX/XXXX I asked XXXX for a copy of my file I received no reply.

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