milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have had a loan in forbearance with Great Lakes Higher Education for about a year or more now. I am at a point where I can start making payments as I have recently become steadily employed and want to start paying these loans off. I have reached out to the servicer on multiple occasions to make a payment as I have a high amount of interest that has already accrued on the account I have. They keep asking me for my personal bank account information or telling me to go open a checking account somewhere as they will not accept credit card payments. I have a valid credit card I can pay with and I 'm not comfortable giving anyone direct access to my savings account ( I do n't have a checking account ). I have no other method of paying my student loans other than through a credit card. All I want to do is make a payments until the loan balance is paid off. There seems to be no flexibility at all on this and if I knew there were stipulations to getting my student loan that it can only be paid off with a direct link to some kind of a bank account at this point I would have just foregone my education entirely because now its likely going to ruin my credit and keep piling on interest. Any and all help would be greatly appreciated! 
Thanks so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have XXXX private loans totaling about $ XXXX with Navient. They used to be with XXXX XXXX, but are now serviced by a company that I believe is fraudulent and inappropriate. Having had loans with XXXX XXXX for nearly 20 years, I have NEVER had any problems and am up-to-date on my payments. This month, I just want to speak with someone to request an adjustment for two months ( I am a XXXX and cash flow is slow right now, so I would like to pay interest only for 2 months ). However, I call their customer service number and am put through to a person trying to sell me coupons. Once I was done with the telling the person I did n't want his deal, he hung up - I was never put through to discuss my loan. I called again and had to go through XXXX different recorded advertisements for " deals '' only to get through listening to everything and it said, " Please hang up now. '' I tried again and received a new phone number to call - XXXX - that was another road to nowhere. Basically, there is no customer service. This company is servicing $ 11K of my private loans with interest, they have access to all of my personal data including my bank accounts, and they appear to be running a scam. I had NO say in who took over my loans from XXXX XXXX - but while XXXX XXXX was n't fabulous, they appeared to be a business with an actually staff and customer service that did there job. Now, I have with absolutely no control over the circumstances been put at the mercy of Navient and have my private information with a company that I do n't feel has the integrity or infrastructure or knowledge to be managing ANYTHING related to my student loans or finances. This is completely and totally ridiculous. If you do not actually have service members to service your customers and you are essentially running " deals '' over the phones to channel your customers to dead ends when they need questions answered, you are likely running some fraudulent enterprise. I do not know what to do, as I do NOT want this company to have any involvement in my personal world and want a company/bank with integrity to service my loans instead. What are my options? 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Shopping for a loan or lease

Complaint: I was bait and switched initial with the terms of an Auto Loan, I was forced to used Well Fargo Dealer services as opposed to my credit union ( this was the car dealerships doing not wells fargo ). During the time with Well Fargo, I was told there was no early payoff penalty. That was a lie. I was told my rate was 5.9 %, that was a lie, they wouldnt give me the loan unless they charged 6.9 Well fargo Dealer services also was n't reporting that I was making payments on my car when in fact I have been paying on time every month thus negatively affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Last year my original lender sold my mortgage to Ditech.com. At that point the existing property taxes and insurance had been paid. From that point on my property taxes did not get paid. I notified Ditech that no taxes had been paid, but nothing was done until I wrote a formal letter. When they did finally pay them, they performed an 'escrow analysis ' that passed on the cost of the fees and interest charged by the county, and increased my mortgage payment $ XXXX/month. I spoke to my county treasurer 's office and they told me that what Ditech was doing was totally unethical - that my loan was up for lien last XX/XX/XXXX and I was just lucky that it was n't purchased. Also, as I understand the law, Ditech is responsible for any fees and interest charged due to their mistake. Through research I 've been doing online, I have found that this is a regular pattern of behavior for Ditech, and that this was no mistake at all, but seems to be a standard practice that is happening on a much broader scale. If they are doing this on a larger scale, that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (NY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: University Accounting Service, LLC ( " UAS '' XXXX XXXX https : //www.uaservice.com/ ) is a student loan servicer. They service my XXXX Loans from the University XXXX XXXX XXXX. 

UAS brings up the same screen every time I log into my online account. The screen gives a statement in legal jargon. Then there are two choices : " I agree with this statement '' or " I do not agree with this statement. " The default is " I agree with this statement. " The statement effectively amounts to a waiver of an important consumer protection right -- the right to have correspondence with debt collectors in writing. 

There are two problems. First, the method of asking this question in itself is an abusive act and practice under the meaning of XXXX XXXX XXXX. Second, the fact that UAS asks me the same question every time I log in is a harassing tactic. 

This is an abusive act or practice under XXXX XXXX XXXX in the sense that it takes unreasonable advantage of consumer misunderstanding. The statement is provided in a way to trick consumers into agreeing to the waiver. It utilizes consumer inertia by making the default that they agree. It also utilizes consumer misunderstanding, because most people are used to mindlessly clicking I agree for online legalese and fine print such as for the changes in XXXX terms and conditions that occur every other week. By repeatedly asking the question and making consumers answer more than once, the strategy clearly intends to prey on inattentive consumers who accidentally make a mistake once. 

This is also a tactic designed to harass me into accepting a waiver of my consumer protection rights related to debt collection. Once I answer that I do not agree with the statement, UAS should never ask me again. Not only do they continue to ask me, but they also give me no option to tell them to stop asking me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (I do not know) with Performant Financial Corporation (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a note from my administrative assistant stating that their firm Performant had attempted to contact me multiple times and needed me to call them back. When I called them back it was confirmed that I have NO account with them and they asked for contact information on someone I know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I made requesting to removal due to following both public records has been reporting in my credit file since XXXX XXXX item were reported by vanguard mgmt company since XXXX XXXX. Than it went court matter and paid in XXXX XXXX been reporting this negative item since XXXX XXXX and than XXXX XXXX reporting since XXXX. Same negative item for over 9.5 years XXXX item were reported by XXXX XXXX copany since XXXX XXXX. Than it went court matter and paid in XXXX XXXX XXXX been reporting this negative item since XXXX XXXX and than XXXX XXXX reporting since XXXX. Same negative item for over 10 years XXXX attached letter of disputes and their vague response and playing with credit since last 9 to 10 years Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: on XXXX/XXXX/15 Chase Bank sent email regarding suspicious charges on my debit card. I spoke to a representative ( woman ). We went over the charges, I told her which were fraudulent and which were not. Then checked my husbands charges-all good there. She told me not to worry that I would get my credit back shortly. The next day I get an email saying that the charges stand because a pin was used. Can anybody say " XXXX ''. I called and spoke to XXXX, Who advised me that the case was closed. I asked how can they resolve this issue in less than 24 hours and she said it 's " because of your spending history '' Really, who are you to judge me. I told her to show me proof that it was me. The biggest charge was from XXXX, they have cameras everywhere.She said she would re-submit for a new review. Not only do they lie to the public and do n't take responsibility they turn around and disparage my character by calling me a thief in trying to defraud a bank. Well it 's been 2 months and I have not gotten my {$250.00} back and not even a phone call or email with the proof that I requested. We all know that the case workers are given a bonus to deny claims just like the Insurance Underwriters are and normally that 's not my problem, but they are making it my problem. If I do n't get a satisfactory result I 'm hiring an attorney and going to every news and social media regarding the practices of this financial institute and how the government agencies who are suppose to keep them in line are not.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My credit card got behind several months. This was my own responsibility, and I understand that. During that time period, Capital One contacted me in writing several times stating if I did not pay the account " will be closed '' and it would be charged off. I received several statements, all saying the card was " Restricted '' but none saying the account was CLOSED.

In early XX/XX/XXXX, I paid off the card in its entirety, with the intent of freeing up the credit line and leaving it available for emergencies. 

Capital One promptly took my money, and THEN CLOSED MY ACCOUNT. Since then, I have waited several weeks for their " escalations team '' to consider reopening the account, and was promised I would get to speak to them before a determination was made. That never happened. Today they informed me they were denying my request. On top of that, I received a bill for {$10.00} MORE after I already paid the card off completely! 

So they lied to me for months about my account status, got me to give them a huge amount of money, then closed my account. This is ludicrous and downright dishonest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I attended XXXX XXXX in XXXX, NY in XXXX. I went for less than a year. I was told that my credits could be transferred after I received an XXXX degree. When I found out that I was lied to and I could NOT transfer my credits, I left the school. XXXX XXXX took another loan out in my name after I left. When I spoke to an administrator about this they literally admitted what they " accidently '' did and said they would return the loan. They never did that. I was n't even in school for a year and I have {$22000.00} of debt from Navient. The school lied to me when registering about being able to transfer my credits and they lied about me taking out another loan. This school is closed so I ca n't even get any information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with CREDIT CONCEPTS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There is an issue of the company pulling my credit report every 2 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (MO).
Issue: Application, originator, mortgage broker

Complaint: I was contacted by Quicken Loans on my cell phone ( which is registered with the state and federal do not call list ). Said was regarding a loan application I had submitted online and they needed to talk to me to proceed. XXXX XXXX was the person calling. XXXX. I had not submitted any loan application, so I was terrified my information and identity had been stolen. I called back and when pressed, they admitted they had purchased my information from someone who mines internet data and they were trying to get me to take out a loan. I was livid. They were totally misrepresenting the situation ( saying I had submitted an app online ) just to get me to call so they could try to sell me a mortgage loan. This is, in my opinion, a scam and it should n't be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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: XXXX Bank is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via XXXX twice in the last 3 weeks - included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from XXXX that the creditor has verified that my account is 30 days / {$230.00} past due as of XX/XX/XXXX. I have a print screen ( dated XX/XX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XX/XX/XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XX/XX/XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.

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 12-05-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: My problem is with Citibank credit cards ; in particular, it is about paying a Citibank credit card with a XXXX XXXX checking account. To clarify, I have XXXX Citibank credit cards that I tried to pay : a Citi Forward card and a Citi Double Cash card. In XX/XX/XXXX, I changed the bank account that I use to pay for my Citibank credit card. The bank I had previously used was a Citibank account, but I switched to a new, XXXX checking account. I verified this new bank through Citibank 's online verification process, and I was able to pay other, non-Citibank cards with this XXXX checking account. However, when I paid my XX/XX/XXXX Citibank credit card bills, my payment was rejected, and I was charged a " return check fee '' by Citibank. This meant that my payment was late and a late payment was most likely reported to credit bureaus, even though this checking account had been used to pay off other non-Citibank credit cards. When I called Citibank, they told me that they had tried to access my XXXX checking account, but that XXXX had told Citibank that my checking account was frozen. However, when I called XXXX, they had no record of Citibank ever even trying to access my checking account, and they confirmed that my account had never been frozen before. As such, I called Citibank back and asked them to send me proof that they had tried to access my XXXX checking account and gotten a " frozen '' response back from XXXX. It took them weeks to get me the letter of proof, and when it arrived, it did n't have any information about a XXXX checking account or anything I could show to my XXXX Bank to get to the root of the problem. At this point, I do n't know where to turn, because it seems like Citibank had an error on their part that made them unable to contact my bank, and they 're blaming me for that error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: In short, our Title Company and original Mortgage Company both paid our real property tax for the second half of XX/XX/XXXX (due on XX/XX/XXXX)- paying double for our 2nd half property taxes and depleting our escrow account.  Additionally the original property tax amount that was supposed to be withheld was based on a XX/XX/XXXX DC appraisal rate (not our new development home), so there was additional property taxes needed to be paid.  The Loan was transferred to LoanCareXXXX in late XX/XX/XXXX, and they immediately decreased our loan amount by XXXX a month.  I called and asked them why they decreased it and was told "to not worry about it as its normal".  I explained that I couldn't imagine how that could be with the improper property tax amount, and asked them to look into it.  They never did.

 Come XX/XX/XXXX, and our loan payment increased XXXX dollars.  Upon calling LoanCareXXXX, they said that it will continue that increase for all of XX/XX/XXXX, explaining that my escrow account was depleted and required a certain amount at the beginning of each year  to meet escrow, PMI and DC property taxes.  I discussed with the original mortgage company and title company and they identified the issue that the Title company inadvertently paid the taxes twice- emptying our escrow account (which shows up on public record for the DC government).  All XXXX of us (Original Mortgager, Title Company and Myself) called LoanCareXXXX to explain  the situation and ask for an adjustment given enough was paid for the XX/XX/XXXX 1st Half DC property taxes due on XX/XX/XXXX.  LoanCareXXXX said that "they do not look at the DC government tax website when calculating these rates and will not do so" and that their "property tax department doesn't talk to the escrow department".  We explained though that without checking with the government on how much taxes are owed for XX/XX/XXXX 1st half, they would be paying an unnecessary surplus...and withholding an unneeded amount in our monthly payments.  The agent got frustrated and told us to send the tax information to LoanCare.  I did so on XX/XX/XXXX both via email and their online email system.  At this point, the payments listed have not changed, DC government says they cannot return any property tax payment, and LoanCareXXXX has not contacted me back about how they are going to make the proper adjustment.

In short, we just want to pay what we actually owe and have our loan service due their legally required due diligence in serving our loan.

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