milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We have sizable private loans. They have a procedure where as the principle decreases so does the payment. The effect is the loan takes longer to pay off. I complained about this numerous times and years ago was told to send in extra payments. Well, I did that and the same thing happened. Our loans began in 2005 with a total amount of {$120000.00} ( this was after a consolidation at some point so, the original balance may have been higher ) and the payments were in the XXXX range. Today the balance is {$65000.00} and the payment is {$870.00}. I have been sending in extra payments of {$250.00} a month for many years, I do not know when it began anymore. I am aware that if the rates go up, the payment goes up, no problem. But for many years the rates did not increase, but the payments dropped. There is a total of XXXX loans and as interest was supposed to increase, I raised the extra payment to {$260.00}. The intent was to have at least {$1000.00} go to principle. Last month the rate on the largest loan increased XXXX % and the payment decreased {$7.00}. So I paid {$15.00} more to get an {$8.00} benefit. Again I called, again I spoke to 3 three different people and got no where. All I wanted was to be able to set a payment that would be the constant, but if the rates increased, happily pay the additional. They ca n't do that and I can not believe it can not be programmed. In 12 years, approx have the loans were paid. If they left the payment where I requested at {$1100.00} a month my son would be in a better position. They also do not allow you to make the extra payments directly to principle. The payments get allocated. They money is debited directly from my son 's checking account and there has never been a missed payment in all these years. I do n't believe that I am wrong in requesting a minimum payment. They do nothing to solve the problem except say make extra payments, that is their solution, and then they still prolong the length of the loan by lowering payments. Their procedures hurt the consumer and benefits Navient. This is not fair or from my view, moral. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had sent an Monthly Payment for my Mortgage Payments to the Wells Fargo Home Mortgage from my Checking Account at Wells Fargo Bank in XXXX TX. This was a regular thing for me. This instance happen in XX/XX/2012. Eversince then Wells Fargo Home denies receiving it and Bank says they have sent it. They have Slept Interest, Late Charges and my XXXX payment to close XXXX and they constantly harass me to get this money from me. Can Your Agency help me get the redress from this Big Bank and save my Credit.

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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Because of the Equifax data breach, my credit cards and personal information were stolen, unapproved charges were made on my credit card resulting in destroying my perfect credit. I am looking for full compensation plus damages and Equifax should be held completely liable.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Synchrony Bank issued me a {$800.00} credit limit for a Walmart Credit Card. I have great payment history and never missed a payment. The first issue I have is the company closed my card after the company tried to take payment on the wrong account number. I told the rep that was my saving and made the payment the same day. The manager said not to worry. The next week they closed my account dropping my credit score. I have made all of my payments even after my account was closed. I was placed on a $ XXXX monthly payment and the representative and I tried to make my {$10.00} payment over the phone. Their system was n't working she told me to try to use the computer. The computer did n't work I told her I would try again or mail the payment. I mailed a {$40.00} money order and the company claimed they lost it. Now my credit score dropped XXXX points. In the process of purchasing a new house. This has Hurt my chances. I strongly believe this bank is holding on to my money to lower my credit score

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 04-05-2018 about Debt collection (I do not know) with MRS BPO, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: MRS BPO LLC sent me a collection letter in the mail alleging that I owe {$39.00} on an account with XXXX. MRS BPO LLC account number XXXX. I have never heard of MRS BPO LLC nor do I owe XXXX any money. I don't have an account with XXXX and I don't owe any money. When I contacted MRS BPO LLC they were hostile and aggressive towards me. MRS BPO LLC engages in flagrant violations of the Fair Debt Collections Practices Act with their hostile debt collection practices. I don't owe them any money nor do I have an allege debt with XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Customer service / Customer relations

Complaint: In the past 2 month, after receiving XXXX and XXXX bills, I was forced to call so-called Customer Service and explained why finance charges appearing on the each of those bills should not have being accessed. Each time finance charges was credited back to the account and each time I was promised that similar charges will not appear on the next bill. And low-and-behold, these finance charges were on the each and every next bill, including latest, XXXX bill!

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient se nds me emails claiming they want to lower my interest rate and help me and every time I call to get relief they tell me " oh your loan is private, it does n't apply to you ''. Oh it does n't apply to me but you still send me the email, get my hopes up and revoke it. They wo n't let me refinance. They wo n't let me have my loan in my my name, they wo n't drop my cosigner off, my cosigner is my grandmother. She did her part, I got the loan. Years ago. She 's ready to be done with it. She 's called, I 've called. I make my payments on time. I do n't miss. So why ca n't I have my loan in my name now. This company 's customer Service is the worst. Worst. Caused me so much mental agony. When I was   XXXX  I did  n't realize what I was getting myself into, but after years of suffering with this company. I now know.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BBVA COMPASS FINANCIAL CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had BBVA Compass Bank as a lender since 2005. For the last XXXX months, I have not received a mortgage statement and they report they are " working on it. '' I have called them several times and they will not resolve it. They hang up on me. My mortgage is due to adjust now and they refuse to give me an update on the new amount.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Payday loan, title loan, or personal loan (Title loan) with ALLY FINANCIAL INC. (CA).
Issue: Received a loan you didn't apply for

Complaint: On XX/XX/XXXX, I attempted to buy a new car from XXXX XXXX in XXXX XXXX. I took delivery of a XXXX XXXX XXXX XXXX and applied for financing of the vehicle through XXXX XXXX. On the 10th day, I was notified that there was a complication with financing and that I would have to go in to their office. I was on Holiday that day but went in as soon as I got back. When I went in, I was told that there was a problem with finances ; they had " misplaced '' my down payment and it had affected my loan. I was given the option to either pay more money or return the car and cancel the contract. I decided to return the car and cancel. The car was returned and I was given a contract cancellation form which assured that I would not be charged for anything since financing was rescinded. Unfortunately, I recieved a notification from Ally bank saying that I am signed up for an auto loan ; even though I returned the car and the financing was supposed to have not been issued. I called Ally bank XXXX XXXX to clear the issue up and was told it may take a week to clear up. I rechecked on XXXX XXXX and the account was still open ... I have attempted to work with Ally bank 's fraud department but have been unable to get further than their voicemail system.

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 06/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: i have been in limbo since XXXX with my mortgage. this has destroyed my business and my family. i needed my credit to get loans to build etc ... .. i tried working with indy mac years ago but they started a modification but stopped because the FDIC was taking them over. since then the new company XXXX charges and misc charge for inspections, realtor fee 's etc ... .have just put the loan amount through the roof. i ca n't get them to give me the bills for all these charges and the licenses of the people doing these special tasks for the bank. for example the bank is charging me XXXX of dollars for realtor appraisals? they do this for free? also this needs to be done by a XXXX person. they will not send me the name of the person and copy of the XXXX or the report? if i am to pay for this why cant i get this info? this is just one of the scams and added fraudulent charges they are trying to have me pay. this again is to drive up the cost on the house to put it further and further under water.i have since found out that they have no real willingness to modify because they are reimbursed the entire original loan amount from the FDIC no matter what they sell the take house for. 
now bank has started up again with foreclosure. they ca n't produce the original note and have told me the note was lost. i was told if the note is lost. they give the court documents that are totally fraudulent. 
i spoke to a reporter who is doing a story on this whole thing and since then in XXXX thing seemed to have stopped? he found violations of so many different banking laws and sec rules. 
now the bank has hired a new attorney and they say a satisfaction of mortgage which my esq found on the town records fraud? they made a mistake and now they say i am to blame. they have use robo signed doc for years and now that it is in my favor it is my fault? i have written hundred of letter to indy mac and every time they tell me something different. i was told note was lost and i would be getting a XXXX back in XXXX? this is why it was satisfied. 

crazy thing is they are doing all this with tasx payer .

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Bank account or service (Cashing a check without an account) with BB&T CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: Many banks ( XXXX XXXX XXXX XXXX - began XXXX - personal funds, XXXX XXXX - from personal deposits XXXX. XXXX - SSD deposits began in XXXX XXXX to current ', XXXX XXXX - XXXX personal check, BBT Bank deposits were via DoD, XXXX XXXX XXXX XXXX stolen funds from sale of personal fraud - sale of jewelry, XXXX XXXX XXXX , XXXX , XXXX ) other Banking Institutions have also been utilized, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX utilized since XXXX XXXX - utilized in XXXX County & XXXX , XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX ) These banks were utilized for depositing funds from work performed thru DoD, XXXX, XXXX, XXXX sale of XXXX, funds continued - in XXXX XXXX - located in XXXX, XXXX ( XXXX XXXX, XXXX XXXX - contract Admin, ). As the total accumulation is Insurmountable - began in XXXX ). The majority of funds, while deposited by me, they were stolen by XXXX XXXX XXXX - SS # XXXXwere depleted!!!! pp

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Account opening, closing, or management

Complaint: My complaint is with TCF bank. My son and I both had checking accounts with TCF. They closed them for " inactivity '' saying it was dormant.They took all the money in fees even though we were not in accounts that require minimums. I called to give them a change of address and was told it was closed. We did not use the bank because their website was so difficult to sign in and even use. Also, we could not get replacement cards even when we asked. In two you they never even replaced what would have been expired cards! Worst banking experience ever. I want our money back!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX Sent me a bill offering to accept 50 % of the amount owed to XXXX XXXX XXXX XXXX XXXX XXXX service XXXX XXXX Account I do not have, nor have I ever had, a XXXX XXXX  account or any account with either XXXX XXXX XXXX, or XXXX XXXX While XXXX XXXX XXXX may be a legitimate company, the loan itself does not exist and has never existed.

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 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I previously had an identity theft situation XX/XX/XXXX, which resulted in accounts being opened in my name for several different businesses. One in particular was for XXXX, for the amount of {$510.00}. That bill went to collections XX/XX/XXXX, and once I found out about it, the matter was disputed with the collections company and the chargers were removed from my credit report as it had been determined the account was opened fraudulently by someone who used my identity. I filed a FTC affidavit which assisted me in the removal of the charges as well as to have a Fraud Alert placed on my credit file for all XXXX credit companies. 

Now fast forward to XX/XX/XXXX and once again my identity has been stolen and the person used that information to once again re-open another account with XXXX in my name that has again hit my credit report for the amount of {$190.00} that has been left unpaid and now is in the hands of the collections company Convergence Outsourcing. I have submitted to XXXX via fax a Fraud packet on XX/XX/XXXX and have yet to hear back from them. I also contacted the collection agency and asked for this charge to be removed, and they were to send out to me a fraud packet that I have yet to receive. I have also contacted the credit bureau that the charge appeared for and disputed that as well. In addition, I have refiled another Identity Theft Affidavit along with another Police Report in regards to the Identity Theft. I also would like to know how could such a situation happen again if I have placed a Fraud alert on my account in which if any credit or services are attempting to be open in my name, the business are to contact me directly, which appears not to have taken place by XXXX after the first incident happened. I will look forward for any assistance you can offer in regards to this matter. 

Thanks, XXXX 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 12/28/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage became the servicer for my home loan on XXXX XXXX. I made the XXXX payment to my old servicer, XXXX. Freedom Mortgage incorrectly calculated my mortgage payment. They had it at a higher amount. I made my XXXX payment to Freedom. They claimed the XXXX payment was not enough, so they applied no funds to the loan. They obtained the payment made to XXXX. They now had XXXX payments, which they calculated to cover XXXX, because they miscalculated my mortgage. This meant I had XXXX payment made, over 2 months, with a pending positive balance, but not enough to cover the incorrectly calculated mortgage amount. After receiving a stack of paperwork from Freedom saying I would be charged late fees and my credit adversely reported, I called Freedom and they acknowledged my account was current. I received stacks of collection mail in XXXX and XXXX. I called again in XXXX. They confirmed the error was on their end. They were going to put in a " work order '' to correct their accounting error. Stacks of collection mail, notices, threats, late payment charges, and negative credit reporting in XXXX and XXXX. My credit has dropped as a result from over XXXX to the high XXXX. I called again in XXXX. Was supposed to receive a call back from a manager the next day. No call. I am now going to send them a demand letter including a demand for payment for my time in having to deal with this issue, at my billable hourly rate, and the defamation of my credit. I intend to seek attorney fees and expenses associated with their error and fraudulent misrepresentations in stating that my credit would not be negatively reported and that I would not be charged late fees for their error.

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 03/28/2017 about Credit card () with SUNTRUST BANKS, INC. (AL).
Issue: Credit line increase/decrease

Complaint: I reached out to SunTrust Bank via electronic banking secure messaging to inquire about increasing my credit limit. I explained in detail my request and concerns I had regarding the process, specifically whether a " hard inquiry '' is required for this process. I was instructed to contact the XXXX number for further assistance. I called the number provided to request they review my account eligibility for an increase to my credit limit. Their touch-tone phone menu was incredibly frustrating, and would not allow me to press " 0 '' ( to speak with a representative ). The automated system insisted I choose an option, for which none were relevant. I had to hang up and call a second time using the voice commands in order to be able to speak to someone. Once a representative answered ( XXXX, sp? ), I was told that more information would be needed and that they would need to submit a credit application. Before I allowed the associate to continue, I inquired whether this would result in a " hard inquiry '' or a " soft inquiry. '' I was told that consideration for a limit increase would result in a " hard inquiry ''. Therefore, I declined to move forward. I find this practice predatory on consumers. First, the E-Banking specialist should have indicated in his response that SunTrust requires a hard inquiry, especially considering I communicated my concerns. Secondly, SunTrust already has updated credit information pulled monthly, so I see no justification on why they feel it is necessary to pull a new report. They have their own account relationship data, as well as monthly updates on credit reports that can be used to " score '' whether or not a consumer is eligible for a limit increase.

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 11/25/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off a loan over three years ago with Citibank, they are reporting me late every month for the last 3 years since been paid off and filing a satisfaction. I have called there and submitted documentation numerous times all of which gets " lost '' : I was provided a confirmation number of XXXX and was told that they would get back to me. This has been going on for over a month and I have been hung up on and given numerous wrong telephone numbers to departments that all claim they are not handling the issue. All i ever asked for is a letter to simply state that I was not late on my mortgage. I am paying a late fee everyday on a purchase contract that I am unable to close on while i wait for them to complete their investigation for an account this states its paid in full when you call them, I have sent them the satisfaction they filed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to get a income driven repayment plan thru Navient for over a year now and I have sent in all the paperwork and Prof of income multiple times to a fax number given to me by a navient service representative. And they have misplaced it more than once. They keep putting me on a deferment each time I call to check the status of my application which gathers interest and yet they keep telling me it has n't been processed. But when I called today XX/XX/2017 they told me it was denied in XXXX because they miss placed my income papers and I have been in contact more than once since XXXX and was never told it was denied and each time I get put on a deference. No emails calls or letter were received telling me it was denied. Just call harassing me about my payment being late. Now they are asking for more than {$400.00} a month for payments when they misplaced my paper work and ignored all of my emails.

Company response to consumer: Closed with explanation