milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I 've called in today when I realized my loan payments are going up again. First off the interest rates started rising in  XXXX  in a   XXXX    month period they 've increase my interest rate to 10 %. I actually called in regarding the interest as well as IBR. My private payments are now at $  XXXX  I 've requested assistance in lowering my payments and event explained that these payments are not long term sustainable and it seems like they are trying to force me into default. I 'm at my end of the rope there solution was to basically find another job or lower my payments temporarily only for them to spike  XXXX  years later I already work a full time job and have no additional time for a second job. They are not willing to even work with customers with good payment history. I never call in I 've always just paid the payment but this has become rediculous l because of this I 'm on the verge of being homeless due to these payments they recommended letting things escalate to collections. Again that is not an option you call them to work out ways to keep from defaulting. This is  XXXX   XXXX  all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with U.S. BANCORP (NV).
Issue: Delinquent account

Complaint: I had a Fidelity XXXX issued by XXXX XXXX XXXX. It was closed out with a balance XX/XX/XXXX. I was making payments faithfully since then. Fidelity then closed out their agreement with XXXX XXXX XXXX XX/XX/XXXX. I received no notice of this. 
The account was sold to Elan Financial Services XX/XX/XXXX. They claim to have called me repeatedly regarding the overdue amount, but my cell phone records indicate no such calls or voice mails received. I also never received any letters from them stating they would report me as delinquent to the credit bureaus. 
As of today, a " 60 day past due '' indicator showed up on all XXXX credit reports. In violation of the FRCA, I was never notified of any past due amount, nor their intent to report the deliquency to the bureaus. 
I travel for a living and need to be able to rent cars. While I know you can use a debit card for this purpose, it 's harder.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: I sent dispute letters to   XXXX   XXXX  ,  XXXX  and Experian.   XXXX    and Experian put an initial fraud alert on my credit report without my permission, against my will, and without my knowledge. My dispute letters did not indicate any type of fraud ; this action was done by   XXXX    and Experian unsolicited. I called   XXXX   but was hung up on/disconnected six different times.I tried to call Experian but can not reach a human being. I need the fraud alert that I did not request to be removed from my   XXXX   and Experian credit reports. I believe this may be the reporting agencys ' new tactic to avoid handling disputes from consumers.

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 06/29/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: The company placed a forced insurance policy on our account which is incorrect, we have a in place insurance policy. The company is attempted to cover this by saying we have a shortage in our escrow account. Our 2017 mortgage statement reflects a deduction for hazard insurance, which we pay by electronic debit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Due to recent financial difficulties our RE Taxes were added to our mortgage so now we have an escrow which increased our mortgage payment over {$1000.00}. We are finally in a position to refinance and were approved by XXXX for the HARP with PNC our current XXXX Mortgage holder. We also have a Home Equity with XXXX XXXX. We were all set to close but were waiting for XXXX XXXX to approve the subordinate when the bottom dropped out. We learned that in XX/XX/XXXX ; National City was our current XXXX Mortgage holder and we did a Refi I think to reduce the rate or get rid of the PMI I am not sure the details are foggy but it does n't matter. When they filed the paperwork for the refi ; National City did not file the subordinate so XXXX XXXX became XXXX Lien Holder and PNC is XXXX mortgage holder. Now, because of some paperwork error 8 years ago ; I can not ever refinance my loan because just like everyone else in Illinois ; my house value is lower than it was in XX/XX/XXXX and because of financial struggles my credit rating is lower. XXXX XXXX will not work with us or consider approving the subordination or do a loan position change. I am being punished because of somesones ' clerical mistake and I can not afford to keep paying my mortgage at the higher payment and my Home Equity is coming into repayment in XX/XX/XXXX and then that payment will double. Is there anyone that can help me? I do n't know what else to do and I do not want to file bankrupcy or go into foreclosure ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Vehicle loan or lease (Loan) with Innovate Managed Holdings, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: We just received a bill stating that we have not paid them in four months ( false ). We have been paying our agreed loan payments, and we have also notified them when we have had to make repairs ( for example : replace steering column ( purchased for {$85.00} at salvage yard. I also had to spend {$84.00} on renting a XXXX track to transport the part from the salvage yard to the repair facility, and {$200.00} for the mechanic 's labor ). In addition, I have also had to replace the starter ( {$45.00} for a part from an online parts house ... .a delivery that was delaved for two weeks, plus {$100.00} labor ). On the latter, I lost two weeks of work as a result ). Along with that, I had to pay {$150.00} to install a horn to bring the car up to state standards. We want our bill readjusted to reflect payments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Other transaction problem

Complaint: My trading account was closed at Coinbase/XXXX several years ( circa XX/XX/XXXX ) ago for unknown reasons. No reason given. No dialog opened for reconciliation. 

I attempted to open a new account today XX/XX/XXXX and the account was immediately closed, again with no explanation. 

To my knowledge I have not violated any of the Terms and Conditions set down by either company and wish to trade on their exchange as an individual. I am not engaged in any illegal activity or banned businesses listed on the XXXX Terms of Service. 

Their " support team '' is non responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Trouble during payment process

Complaint: I have a mortgage with XXXX XXXX XXXX. I have been making my payments every month. Then when Hurricane Harvey Hit my city, Caliber told me that they deferred three months of my mortgage payments and put them on the back end because we were effected by the storm. When the time came that they told me to start making my payments they would not take my payment. They told me to wait to hear from them. I kept calling only to find out that they are not keeping their agreement and won't take my payment. It is as if they are trying to set me up and steal my home. Please help me with this critical matter. I have my payment that they told me to make and now they are telling me I need those three months of back payments as well. This is so very wrong

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Bank of America ( BoA ) charged me an overdraft free on XX/XX/2017 ; however I checked my balance on that day several times and I never see a negative balance in my account. The last time I check my balance that day was around XXXX-XXXX CT and it was around {$1.00}. I did not use my card after this and at XXXX I received a XXXX transfer of {$150.00} to my account. I received the notification about the overdraft fee on XX/XX/2017 ; however, I never had a negative balance in my account that day. I contacted the bank and I spoke to XXXX ( employer id : XXXX ) and he said the reason of this overdraft fee was a transaction I made on XX/XX/17 around XXXX ( XXXX transaction ), but the negative balance was never reflected on my account. The said that I need to look at the account balance history, because there I can find the actual balance. However when I log into my account through the webpage or through the app, BoA show, the transactions order in a different order as the account balance history. it seems like the manipulate the order of the transaction in order to charge overdraft fees. To sum up according to the Bank of America 's representative, it is the customer responsibility to check the account history even though is something that it is hidden from the customer in the app and the webpage. I have records of my transaction and my balance to support this calim

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 04-03-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: Letter to Lender : Re : - Pay Pal Smart Connect AccountLender : As confirmed today, in my conversation with XXXX, the Smart Connect Manager on duty, on XXXX XXXX, XX/XX/2010 at XXXX XXXX my account has no late payments and payments are paid {$10.00} above the minimum due balance, but because Lender has randomly checked my credit and is n't comfortable with my performance in other matters has decided to lower my limit from {$300.00} to {$160.00} and has informed the credit bureau of such action. 

So in effect, you have benefited from the interest earned from my payments and despite my perfect payment history with your company, I am being penalized for actions in other matters. Why did Lender even decide to grant this account to begin with, it is a no win situation for me. 

I am sending this letter to the banking commission for their consideration and to the credit bureaus. 

Your actions are unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (DE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Account Previously Deleted for non validation by previous collector and creditor. 
No dunning notice sent by this collector. 
This debt buyer has falsified date of account opening, first reported.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I turned in a XXXX XXXX lease seven months early. I had received several different invoices for early termination liability. The first for {$40000.00}, second for {$5000.00} and last for {$4500.00}. I had a lawyer sent a letter asking Chrysler capital to explain a few issues with billing and missing pages from an invoice. I also asked for them to reduce the bill because I feel they age charging me excessively. I called on XX/XX/XXXX and they stated they never received the letter. I faxed them a copy and called back on XX/XX/XXXX. I was told they could not talk with me because a lawyer represented me. I stated I was not being represent by a lawyer that I just had the lawyer write me a letter. After operator spoke with the supervisor she said she could speak with me. I again stated my issue with the amount being billed. XXXX said it looked like I only owed {$900.00}. I said that was good and if they sent the bill I would settle the debt. Again she went to talk with her supervisor. She came back and said that a final bill should come in three to  five days. I asked how much will it be and she said she could not give the correct info because there were charges in different areas that would need to be collected. On XX/XX/XXXX I received a letter stating my request for cease and desist was processed and my account was put into hold. I called to find out what this meant and was told that they could not talk about the account because a lawyer represented me. Again I stated a lawyer did not represent me. I had my lawyer call on XX/XX/XXXX to clarify with Chrysler capital that a lawyer was not representing me. The operator on the phone stated that she could not hear the lawyer on the phone and that there was a bad connection. The call eventually dropped. I was on the call and on my end everything the lawyer said was clear. The lawyer suggested I file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I saw a promotion for XXXX Thank You points for a brand new Citibank checking account. I went to the bank and confirmed if opening a new account would get me the points. They said, yes, a new account would get me the points. I was already an existing customer of Citibank so I wanted to be sure before signing up for another account. <P/>Anyway, within 3 months of account opening, I met the terms, kept the minimum balance and did the deposits and payments that were required to get the points. I followed up with Citibank asking when my points would post. I have confirmation email and messages from Citibank saying this would happen in 4-6 weeks. So I waited. <P/>I contacted them again in 4-6 weeks and was told that since I was an existing customer, I would not be getting the points. I mentioned to them that I was targeted for the offer and I also had written confirmation from them. They said the last agent was wrong and I would n't be getting the points. <P/>I kept trying for a few points and then gave up. And finally now, I am filing the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was transfer from XXXX XXXX XXXX to nationstar. Ever since then nationstar keep denial our modification. They said it 's fraud paperwork. I and my family lived in this home since 2007. They ask us to verify our residency, but keep denial even though we supply them whatever they need. My loan number is XXXX,. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with URS Holding, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I RECD A CALL ON MY CELL PH FROM UNITED RECOVERY SYSTEM XXXX .ASKING THAT I CALL XXXX REGARDING A DEBT.I CALLED THE XXXX NUMBER AND LEFT A MESSAGE THAT THEY HAVE THE WRONG PERSON/PHONE XXXX DO NOT OWE ANYONE MONEY.CALLED ARIZONA XXXX AND FTC AND ADVISED TO FILE COMPLAINT WITH YOU

Company response to consumer: Closed
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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 requested that  three  accounts that has been added to my  XXXX   XXXX  and Equifax credit be removed as that do n't belong to me.  XXXX  credit has removed the bogus accounts but  XXXX   XXXX  and Equifax says per their investigation the information will remains and is verified to be accurate. I have never went to  XXXX   XXXX   XXXX  for anything and the collection agency says it 's back from  XXXX . So something I have no knowledge of that happen in  XXXX  is still on my credit that 's unrealistic. The following accounts are on my Equifax and  XXXX   XXXX  and they should be removed immediately :   XXXX   XXXX     {$800.00}   XXXX   XXXX     {$1700.00}   XXXX   XXXX   {$800.00} I have requested that these items be removed each month since  XXXX   XXXX  and each month I get a letter stating that items remain as has been verified, but noway could it be verified because I never have been to   XXXX   XXXX   XXXX   for any services EVER ... ....     Please remove items as they are ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (DE).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This debt has exceeded the Delaware statue of limitations for collecting on a debt. The original debt is, I believe at least 10 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX XXXX XXXX and finaced it through XXXX XX/XX/2015 and my mother co signed with me. Since that date they have never reported it on my credit report. My mother filed backruptcy this year. I called them to ask why they have not reported it on my credit because i have paid it on time since day one. They told me they were not going to report it on my credit because my mother filed bankruptcy saying they do n't have to now. My credit was checked to get the loan. It is my right for it to be on my credit, especially since I pay per the contract agreement. They said also they are not going to send me statements or pay vouchers. This is not ethical because if i did n't pay per the contract agreement they would without a doubt report it on my credit if I did n't pay per the contract agreement. Please help me???

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I finance a vehicle that caught fire twice. The first time was 2 months after i got the vehicle. They repoed my car after my credit was cleared.

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 08-08-2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX transferred my debt to a collection agency called TRANSWORLD SYSTEMS INC . I never received a letter or phone call from TSI until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] in XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the TSI office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: 1. I provided the credit card company FIRST XXXX, and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company FIRST XXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.

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 10/20/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Using a debit or ATM card

Complaint: Went to their ATM machine to deposit a check. Machine took my check, then blanked out. When it came back, it went to the main menu. My deposit never reflected in my account. XXXX customer service representatives lied to me saying the money would be deposited into my account while they investigated the ATM. Another said they had never had problems with this ATM ( XXXX, NY ), while the branch manager told me they had all kinds of problems with the transfer of XXXX XXXX accounts ( Key Bank took over XXXX XXXX ). The Key Bank website is lying when they say the ATM in XXXX is open, when it has been shut down, so I was forced to use the XXXX in XXXX. Four days and counting, my money is still not in my account.

Company response to consumer: Closed with explanation