milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX against HSBC for HSBC 's failure to provide requested information for the debt alleged. As of XX/XX/2017, HSBC has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a private loan with a co-signer through Navient. I have been making auto payments for as long as I can remember and I check my bank statement every month to make sure the payment was made. I get an email notice from Navient each month telling me they received my payment and when my next payment is due. My co-signer is getting calls twice a day about the payments not being made. I have contacted Navient asking that they no longer make the calls to the co-signer and am told that they wo n't ; the next thing I know my co-signer is receiving calls again. I do n't have a street address as to where I can sent a certified letter asking that they cease all calls as it seems that the verbal and emails are not getting the point across. I am so tired of dealing with Navient, I have asked that all my loans be consolidated and they tell me that the can only consolidate the Federal Student loans and not the private loans, even though they are the lender that holds both loans. My school is n't listed below it is XXXX College - XXXX XXXX Minnesota - the only campus that is listed for Minnesota is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this request because I have been ignored by TransUnion XXXX XXXX, XXXX. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified with accuracy, that I disputed. Please resolve this matter as soon as possible. I have been dealing with this matter for months!

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 05-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There is ID theft and discrimination. The company is unknown. I would cope up with the steps and procedures which the cfpb is going to take as long as it is required. Protection of credit discrimination must not have worked like that anyway.

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 01/22/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (DE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XXXX/XXXX/XXXX at appropriately XXXX I contacted a male by the name of XXXX XXXX who had been harassing a friend in regards to a debt they say is from XXXX. XXXX XXXX of XXXX XXXX and XXXX stated that XXXX XXXX brought this debt from HSBC. He went on to say that they will be serving me papers for court to sue me and if I did not pay they would be garnishing my checks or seizing my bank account unless settled before court. I informed him I do n't recall this debt and how am I sure its mine he presented me with information he had and stated that its clearly is mine. I told him I am not sure of this debt. He went on to say that they will be serving me next week at my home or come to my job. On XXXX/XXXX/XXXX I called the number that he left. A gentlemen answered I asked who was I speaking to he stated XXXX XXXX I asked what is the name of this company he stated XXXX XXXX XXXX. I then asked for the address of the company in which he refused to give me unless I provided him with docket number. I feel as though this is a violation I not sure if one needs to give there docket number in order to receive the address of their business which should be public information. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I opened this loan in  XXXX  2014 under car finance which sold to now flagship credit, during the whole course of my loan at an interest rate of 14 % the balance never goes down I have asked for an itemized statement on many occasions and the statement continues to be deceptive with what they see to decide at the time to post to principle on my last payment I paid   XXXX   I asked on the check to apply all to priniciple and instead my statement said interest I am now behind on the loan because despite trying to resolve my payments of  XXXX  to pay off the car I can not get an answer, As of recent I called on four occasions and no one returns my call I finally got a   XXXX   on the line yesterday she has now stated the car is out for repossession I said this is ridiculous I left several messages to get this account resolved she then stated if I paid   XXXX   it would bring the loan current and prevent charge off but it is out for repossession so you could still lose the car I said after almost three years of payments of  XXXX  over 13k my balance is only down  XXXX ? she then says call me back by end of day, that was yesterday the  XXXX  I call back and get a gentlemen telling him I would be able to come up with the money he said LOOK   XXXX   THAT IS NOT HOW IT WORKS HERE I said excuse me   XXXX   said that was what we were working with I said please have her call me So she finally calls me around   XXXX   XXXX   XXXX   and I am with a client I told her I was going to pay the loan  XXXX  but needed till wednsday  XX/XX/XXXX  she said hmmmm that could be to late. I then get an abusive call at  XXXX  from  XXXX  ( repo ) he left me a message said the bank just wants the car back no payments from you. I call  XXXX  this morning  XX/XX/XXXX and they tell me no one by that name works there What do I do? They are taking my pmnts and pocketing all the money not reducing the loan and now threatening my car to be taken away by strong arming me after hours The account number is you can  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 explanation
Consumer complaint received 11/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: This loan was originally taken out in XX/XX/2007 and was used for XXXX at XXXX in XXXX, IN (now defunct) that I did not realize was unaccredited. I paid on the loan faithfully for a number of years until I filed a XXXX due to job loss. When I exited the XXXX I wished to repay this loan but was constantly told that it was still in XXXX. After over XXXX years of waiting and being told it was in XXXX they contacted me without notice and let me know the loan was past due and due to default. I almost didn't get enough to pay the payment. I also realized after looking on my account (after it was enabled) that the loan had incurred $XXXX dollars of interest and that they did not taken off my co-signer which was promised to me after paying the first year of the loan. I feel this loan is predatory and unethical and I'm not sure how I'm going to pay for it. With no options for Private Loans, it has become frustrating, and upsetting. I'm unsure how I'm going to move on with my life with this loan in its current state.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Chase. They refuse to provide the necessary information based on above mentioned letter ( Attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Forbearance / Workout plans

Complaint: My late husband and I had a Discover credit card, which we used and paid faithfully on. My husband died unexpectedly on XXXX My deceased husband was the main income producer in our household. My house is being sold on a short sale of which I will derive no income. I want to pay my outstanding debts, and have contacted other debtors and all have allowed me to pay the outstanding balances, without interest accruing. XXXX, Discover Credit Card Company. I contacted Discover in XXXX of this year, XXXX, explaining my financial hardship to a representative of Discover, and I had a program worked out to pay a minimum balance each month with no interest charged. The representative indicated as such. But, as the monthly bills came, I noticed that the interest charge was still being added. I called Discover and was told, they understood that an agreement had been made between a representative and myself, but the computer program could not be changed, that charged the interest. The Discover representative said that I would have to call each month to have the interest taken off the monthly bill. This practice worked for several months, until this month, XXXX, when I called, dutifully, and was told that no valid agreement had been made and no interest would be deducted. I was on the phone with Discover Card representatives for XXXX hours, talked to XXXX representatives, was shuffled from one department to another, kept my composure, as I was told that no programs existed for me, no hardship program would be considered as the Discover Card company offered no such program. Disappointing ; yes. Frustrating ; yes. I do want to pay this bill. Without cooperation from Discover CreditCard Company I am faced with not paying and letting this account go delinquent. My depressed income will not allow me to pay this bill, with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have been working on a loan modification with XXXX XXXX XXXX for over 5 years. I completed numerous RMAs, continuously provided documents, pay stubs, bank statements, tax returns, W2s, letters of hardship, etc. It has been an endless request for and submission of documents. However, no one can tell me the status of the application. They just send me a new RMA to start over. To help us get the modification, we started working with XXXX XXXX, a community housing program in XXXX XXXX. XXXX submitted a modification package for us. Over the last year, XXXX has been in the same perpetual circle that we were in. XXXX has asked XXXX to start over 5 times and like us, they just keep sending in documents with the only response being more of the same documents and then a request for a new RMA and start again. This process is grossly unfair to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (FHA mortgage) with BB&T CORPORATION (MO).
Issue: Struggling to pay mortgage

Complaint: I have a mortgage  with BB & T ba nk. About a year ago I had a  XXXX   XXXX  and then was terminated from my employer due to my health. We ran into financial issues. We never missed a payment on our mortgage, although we were late at times. In  XXXX  of  XXXX , the bank locked our online account so we could not make the normal payment. We had to call in. In  XXXX , again they locked our account. We paid yet again over the phone. At this time we were caught up and current. We were also paying the late fees anytime we paid late. We received a past due statement saying we were behind almost {$3000.00}. In  XXXX , I made a phone call informing them my company had messed up my payroll and I did n't get paid when I was supposed to. I explained I could pay {$1000.00} today, an additional {$1500.00} on the  XXXX . I also informed them I would be able to pay {$2000.00}  XXXX   XXXX ,  XXXX  and {$2500.00} on  XXXX   XXXX .  XXXX   XXXX  another {$1000.00}. I had second guessed myself thinking I might be behind. These amounts would have had me totally caught with some extra to fall back on for late fees. They denied all of this. I called twice with this offer and both times I was denied. I received a letter on  XXXX   XXXX , post dated from  XXXX   XXXX , stating we were officially in foreclosure. They never informed us of this, even asked and was always told no. I reached out to my realtor and she began helping u s. BB & T bas ically refused to help us. She was trying to sell the house in a short sale or outright but the bank refused every offer and attempt at a resolution.  XXXX   XXXX  was the foreclosure sale date. I called the legal department the night before to try and stop this. I received a call the following day from a gentleman from the bank saying he had stopped the sale, he would be evaluating the process and it would just start over. Again, we tried working with them. To no avail. Again, they denied everything. They came up with off the wall amounts and reasons why they kept denying our hardship and loss mitigation. Their main reason, non owner occupied. That is false, me and my family still reside in this home. I filed a complaint with the Missouri State Attorney General 's office. I received a response the bank sent the attorney general in the form of an  XXXX  page packet. This packet included all 6 years of payment history and call notes. This packet proved consistent payments as well as the refusal of the {$5000.00}. They also included documents that were n't even ours. I received another foreclosure date of  XXXX   XXXX . I have no idea why this bank took my money but did not post those payments to my loan. I am now currently 5 months behind because they refused payments due to the foreclosure. I do n't want to lose my house. I need help getting this bank to stop trying to take my home. This never should have happened.

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 03/24/2017 about Consumer Loan (Installment loan) with Opportunity Financial, LLC (UT).
Issue: Problems when you are unable to pay

Complaint: I 've had a loan with Opp Loans ( Opportunity Financial ) for over two years, and had always made my payments on time, they raised my credit line from {$1600.00} to {$2200.00} because of my record. 

In XXXX 2016 I became unemployed, at first they worked with me for what I could afford, then they pressured me to try to make payments I could n't afford ( in XXXX of 2016 ). I tried to keep up, but ultimately I could n't any longer. 

Finally in XXXX of 2016, the collections manager ( XXXX ) said to me to log into the website and to make weekly payments of what I could afford, so there 's activity. He said as long as I made these weekly payments, no interest would accrue, I 've done this for 3 months now. 

I had a payment due XXXX XXXX, I forgot to make it, so I made it one day later on XXXX XXXX, I 've made another one today, XXXX XXXX. 

It seems their system does n't recognize my payments, as they added {$230.00} of 'interest ' to my balance, and send me threatening emails and texts every other day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with Rent Recovery Solutions (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of identity theft and over the past 2 years have been trying to get my credit back to being mine and not that of the person who stole it. I have over the past 2+ years submitted a police report to the credit agencies and those account holders only to have things still showing on my credit report that do not belong to me. I have been victimized for far too long and I do n't feel it is fair for me to have to pay an Attorney when I have done everything I can to get those items that are not mine off of my report. This has terribly affected my credit and I have lost so much and been inconvenienced so much because of this and I am tired of begging to have my life and credit back.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Several certified letters was sent to this company in  XXXX     2017 wi th no response. I was never contacted or signed anything to release my medical information to this company. This is a Hipaa violation according to law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a complaint about Synchrony Bank. Over the last 3 months, I have been requesting validation of a debt that is listed on my credit report for a Chevron Credit Card. I have been asking for evidence that bears my signature that shows I have a contractual obligation to pay Synchrony Bank. I have not received anything that I have requested and it is still being reported to all XXXX Credit Bureaus.

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 12-07-2015 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Billing statement

Complaint: I signed up for a hom furniture card with G e Capitol i have been making the month payments as stated on my statement and through the automated system. I was now advise today that my balance went up over XXXX due to finance charges and will continue to accrue XXXX each month

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA.

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.

Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX  residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally  performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX  Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and  XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company response to consumer: Closed with explanation