milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2017 about Student loan (Non-federal student loan) with DISCOVER BANK (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX XXXX, I lost my job and had to go back to my country for 10 months due to severe family issues. During this period, I was unable to make monthly student loan payments. Consequently, my student loan debts ( XXXX private student loan companies ) went into collections. Every since I came back to the XXXX and got a job in XXXX XXXX, I have been diligently paying off the debts to the collection agencies ( XXXX different agencies ). First, I have been struggling with unreasonable student loan monthly payments ( i.e., approx. {$1500.00} per month which is 50 % of my monthly paycheck ). Since my student loan debts with the collection agencies, I am unclear about the amount of debts that I 've been paying to these collection agencies are actually the precious amount of debts that I owed. Second, my husband and I are planning to apply for a mortgage in the near future and it 's come to our attention that this has been negatively impacting our credit score in a significant way and it would most likely hurt our ability to qualify. I would really like to remove these negative accounts from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: After losing my job XX/XX/XXXX, I had trouble paying my mortgage.I tried since XX/XX/XXXX or XX/XX/XXXX to get a loan modification with US BANK.Everytime they would keep asking for more information, sometimes duplicate.I always submitted it but it was never moved forward .Finally in XX/XX/XXXX or XX/XX/XXXX, I gave up on the modification and filed Ch XXXX bankruptcy XX/XX/XXXX.The loan with US BANK was not re-affirmed.On XX/XX/XXXX, I made a partial payment of XXXX to US BANK and re-applied for a loan modifcation.My bankruptcy was finished on XX/XX/XXXX.I have since been continually giving them updated info since XXXX XXXX spoke with XXXX XXXX on XX/XX/XXXX and he told me they reqiured yet addditional info! After recieving the new info, I e-mailed it to him on XXXX the same day, i was served with a summons about forclosure! No matter how much I give them, the modification never moves forward, even though they assure you it will! I am now on XX/XX/XXXX from my employer.I can make the mortgage payment ( preferably ) reduced, I just need help catching up on the arrears.I am desperately trying to save my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (MA).
Issue: Taking out the loan or lease

Complaint: I have a loan with Avant. I live in Massachusetts. The total amount loaned to me is XXXX. The interest rate they are charging me is 28 percent. I believe Ma law says the maximum interest rate is 20 percent. I contacted XXXX but was told they could charge me this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have inquiries on my credit report from identity theft. I 've had them removed from the companies but they reappeared. I 'm attaching documentation to show them being DELETED. I EXPECT them to be DELETED here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to  provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (KY).
Issue: Application, originator, mortgage broker

Complaint: Nationsta mortgage will not give the payoff amount so I can refinance my home through peoples bank.

Company response to consumer: Closed
Consumer complaint received 07/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have a Goodyear credit card issued by Citibank N.A.. I made a purchase of Goodyear tires from a Goodyear authorized service center on XXXX XXXX XXXX. Displayed prominently in the store, were advertisements for the Goodyear Credit Card mentioning 6 months no interest on purchases of {$250.00} or more. My purchase amount totaled {$740.00}, so I was very surprised to discover that interest had been charged to my account. The advertised terms of the promotion are as follows. Special Financing Plans 6 months no interest on purchases of {$250.00} or more. Interest will be charged to your account if the purchase amount is not paid in full within the qualifying number of months. Minimum payments required. Goodyear Credit Card Special Financing Terms & Conditions With credit approval for qualifying purchases made on the Goodyear Credit card at participating stores or on XXXX I contacted Citi on XXXX XXXX XXXX and explained what had happened. I was told that the promotion was not properly applied at time of purchase, and there was nothing that they could do to correct the issue. As I mentioned, advertisements for the no interest promotion are displayed prominently in the store. Similar ads are featured on the Goodyear website, as well as on the credit card statements I receive. There is no mention of a promo code in any of the marketing materials advertising the promotion. Therefore, I dont understand how the promotion would not have been applied when I made the purchase. As I mentioned, I purchased at least {$250.00} worth of Goodyear tires from a Goodyear authorized retail location. I have had this card for many years, and have never had an issue with promotions in the past. In addition to the call on XXXX XXXX, I have contacted Citibank two additional times using their online system. The first message was on XXXX XXXX and the second was on XXXX XXXX. I have yet to receive a response. I feel that Citibank is intentionally avoiding me in hopes that I will not take further action. The representative on the phone made it very clear that Citibank was unwilling to help. I find Citibank and Goodyears promotional marketing to be deceptive, and would appreciate any assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with I.C. System, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX is attempting to collect a debt that is not valid. XXXX is the original creditor and they do not provide the services as promised. I have spoken with my attorney and the next correspondence will be from him. I do not owe this debt and am ready to take legal action against both companies.

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 02-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received information to open credit with a person name using my address. I have already complained to this company. There is no one hear by the name XXXX XXXX XXXX. I lived hear with XXXX other person for 3.5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have XXXX collections that just showed up on my reports. This item has been removed before I believe because the amount is the same. If the reporting companies where to investigate this they will find it is not mine or that this alleged debt is uncollectible and this is a duplicate item that has been removed. I want it ran down and I want to know how this was put on my reports when I have absolutely no idea what or where this has come from. NO validation has ever been. sent to me EVER concerning this from either of the companies that say I owe this money. I have been dealing with scammers for over 2 years now and I am ready to litigate with anyone over this here in XXXX. I do n't know how this can be put on my reports when there is no verification of said debt??? This is illegal and I want my credit back to normal. I hold the reporting agencies responsible for helping fraudulent collection companies put wrong, inaccurate and and un verified and unvalidated items on my report, how is this legal??? This item has been passed around to at least XXXX collection agencies and I have managed to keep it off my report until now.

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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Chexsystems has failed to properly investigate an account listed on my report from XXXX XXXX. I've sent Chexsystems a copy of the police report to indicate I've been a victim of ID Theft. They originally told me that they would block the fraud account from my record but failed to do so. 

I feel very discriminated from chexsystems and felt like I've been unfairly scrutinized and mistreated from chexsystems.

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 02/24/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a " Fee Schedule '' insert in my envelope with my XXXX Tax form from Shell Point Mortgage Servicing. The newly instated fees, of which we have no say over, by this company that " assumed '' my mortgage are excessive, to say the least. In some cases the increase is 100 %. This is an undue, unfair, unrepresented increase. For example, if I chose to have my house appraised, they have created a {$1000.00} to assess me. In order to pay my bill, it will now cost me {$10.00}. It used to cost {$0.00}. The recording fee went from {$0.00} to {$100.00}. If they choose to hire an attorney for any reason, even if I am unaware of it, they will charge me {$35000.00}. If I declare bankruptcy, they will charge me an additional {$2000.00} just for declaring it, up from {$0.00} previously charged. There is a " loan repayment fee '' for paying the loan which is undisclosed because it " can vary widely ''. 
These are just some examples. 
These seem outrageous. We did not choose this company so we have no say in this.It is abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: CONTINUE TO CALL MY WORK, I AM IN PROCESS OF TAKING CARE OF THE {$600.00} DEBT CONTINUE TO CALL EVEN AFTER XXXX AT NIGHT ATLEAST XXXX A DAY. THEY HAVE CALLED MY WORK 3 XS THIS WEEK

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Payday loan debt) with BTH Management (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call from XXXX XXXX XXXX for XXXX XXXX  pay day loan XXXX was the rep I spoke with he did n't state that he was trying to collect on a debt or that the call was recorded he offered me a did on the acct I said I could n't do anything until XX/XX/XXXX and he stated the company was n't going to wait that long that they litigate XXXX all the time and that 's what is going to happen they will use me for the acct said he was going to put that I refused to pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: New complaint needed as a Balloon Payment will be due at the maturity date of loan, but the loan servicer that set that in motion will not specify that in the most recent correspondence as requested. Being transparent as the consumer is, the non regulated loan servicer issues have made my ability to have a secure decision with changes in streamline and different tier and DTI, NVP that servicer has changed since XX/XX/XXXX drive by with their advantage with a low ball appraisal and not advising of canceled compared to declined modification which apparent allocation of previous trial modification payments went to past issues not the rear of loan as described. Chapter XXXX attorney that requested all info about loan to his office staff, reneged on helping with modification as his staff was given all information pertinent to doing just that. Attorney was censured and gave me legal right for substitute attorney which also dropped out of representing me due to his ability to easily back out. JUDGE XXXX knows him ... ... He called her from his office with me present about being substitute. XXXX XXXX is in jail as he is corrupt with real estate and XXXX XXXX FRAUD, as his office allowed XXXX XXXX, the practice manager and paralegal and an Associate Attorney XXXX XXXX take funds to represent and provided representation without TRUSTEE approval and then derogation found out with no contract provided. Questioning XXXX later, he said XXXX was let go for wrong doing. He later opened his own office. Calling his office, found XXXX employed by XXXX, a joke. Pursuing reimbursement, was told by XXXX XXXX representing XXXX XXXX to call XXXX because XXXX a Wealth management attorney went back to New York after removing himself from XXXX XXXX and XXXX firm. XXXX XXXX XXXX. Transparent issues with legal representation being a hurdle because of original chapter XXXX attorney issues, XXXX XXXX, XXXX and XXXX counties. Case was reaffirmed due to his lack luster attributes with trustee payment not reduced as mod was approved. Fault of Legal Council, ... ... complicating due process.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was in escrow on a house with a secured interest rate of 4.625 % and on XX/XX/XXXX. I was notified that my credit score unexplainably went down XXXX points. This was a result of the security breach into Equifax. The result of this credit score dropped disqualified me from my original loan and I was forced into another loan at a rate of 5.6 %. The end result my payment increased monthly by {$800.00}, which translates to approximately a {$270000.00} increase in payments over the lifetime of a 30 year mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Consumers should be able to freeze their credit for free on XXXX, Experian and XXXX. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.

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 08-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: *** Ditech presented and charged us for an escrow deficiency that is greater than the actual money they paid out. *** From XXXX XXXX to XXXX XXXX, Ditech paid only {$1400.00} for taxes and insurance. *** Ditech 's XXXX XXXX, XXXX escrow analysis, attached, calculated a deficiency of {$2000.00}. ***Their calculation of the deficiency ( {$2000.00} ) is greater than their payout ( {$1400.00} ) by {$660.00}. *** How can our deficiency be greater than the money they actually paid out? ***Borrower 's XX/XX/XXXX escrow overage and payments covered Ditech 's XX/XX/XXXX disbursements ( all received by payees ). 
*** There is no lapse of insurance. *** There is no delinquency of taxes. ***Attached are borrower 's tax payments, Ditech 's XXXX XXXX and XX/XX/XXXX monthly statements, and XX/XX/XXXX insurance ( Ditech paid XX/XX/XXXX and XX/XX/XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Sometime ago, approximately XXXX XXXX, I called and requested that they update my educational loan that had been paid off around XXXX. Next thing I know, my Equifax score dropped XXXX points. I have tried to dispute this but I get a runa round about having to file a dispute with the account but it appears the account was simply deleted and my " Age of Credit History '' has been shortened causing a huge ding to my score. On top of that, they have negative reports on an account that I do n't have the history of credit for which hurts me even further. 

I have worked very hard to get my scores back up from being financially challenged a decade ago. Equifax is the only one that is lower than XXXX and they do n't seem to want to help or since the item was deleted, they XXXX not be able to help? I am so furious that I ca n't think straight anymore about this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, I went into my XXXX XXXX XXXX Synchrony Account ( XXXX ) to pay my bill. I noticed that, although I had made the payment last month, there were still late fees even though my bill is due on the XXXX of the month and this was the XXXX. At this point, I contacted customer service via instant chat, and was told there was no late fee. When asked why I still saw a late fee, I was told by the agent there was no fee. He continued leading me in circles until I called. When I exited the chat, there was a survey ; however, once filled out, there was an Error 404 message. I refreshed the page and it took me back to the survey. When I resubmitted, the survey went through, but I was not given a chance to review and print my conversation. At this point, I spoke when an agent that explained it was a backlogged late payment. I made the full payment as required on the bill ( see attached ), and she claimed to have reversed a late payment fee. When I logged on today ( XX/XX/XXXX ) to make my payment for the month early, I noticed that the payment due was {$63.00}, nearly double the {$38.00} it had been when we started making payments. I then got on the online chat to see what the charge was. This agent claimed first that making the payment by phone was the only way to lower my payments ; when asked why online did not work the same, she said nevermind it would make the same dent in my account ( see attached ). She then told me there was a late fee. She could not explain to me why my bill reflected the {$150.00} payment due previously but then had a late fee anyway. She also claimed that the interest was reversed previously instead of the late fee, although I see the interest on my bill and the website shows a reverse in the late fee. Again, when I completed the survey negatively, it went directly to a 404 message, and when refreshed let me submit but did not give me the option of viewing the conversation. Luckily, I knew of this trick already so I had already printed and saved the conversation. This company has basically stolen money from us. Buyer beware! The five year plan may sound life saving, but it is definitely not.

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