milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Have been paying my Student Loan for the past 10 years ; XXXX XXXX was the Lender but they change to Navient and my Loan keeps going up instead of going down. I called them many times asking for how much interest I have to pay before payments go to principal and no one knows anything. Also I called today to ask why my monthly payments are going up without letting me know and they said that a 2 years payment arraingment have finished and I have to pay XXXX monthly. I said I ca n't pay that amount monthly and they offered me to pay XXXX monthly for a year and renuew payment plan every year to see if I still qualify for it and in 25 years will be forgiven my loan without counting this 10 years I '' ve been paying. This is too much, I need help! Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: Bank of America once again is charging ridiculous fees. I spotted a XXXX fee charge stating is was over the limit withdrawal in my savings account. I called because I was not over drawn in my account. Bank of America rep informed me that the Federal Reserve Regulation D requires the bank to charge me if I make more than XXXX transfers from savings to checking. Upon checking Regulation D it states im allowed XXXX transfer transactions. I call Bank of America back and I 'm then told that they only allow XXXX then charge me XXXX for each transfer over XXXX. So which is it? Federal Gov. Says I 'm allowed XXXX, but Bank wants my money so they only allow XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called my employer and left messages on my employer 's voice mails stating this was a debt collection agency trying to get in touch with me about an unpaid debt. I was warned by my employer that they will not tolerate this kind of matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2015 about Student loan (Non-federal student loan) with Genesis Lending (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out a loan through Genesis for an education through XXXX XXXX, XXXX, Oh. Under the sale of the debt there was to be a 40 % reduction in my loan. Nothing has been done. At this time this is my complaint. A detailed complaint regarding my federal student loans will be forthcoming as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been speaking with representatives over a course of a couple of years. Most recently, I decided to call and speak with someone about getting these accounts taken care of. There was a delay because there was some accounts that they had that needed to be retracted/deleted by the original creditor. I ended up speaking with someone that gave me a total of a certain dollar amount over {$700.00} to pay in order to settle the account for deletion. She gave me this option with either removing all interest or giving me a 25 % discount, which equated to almost the same total. She said this would both resolve the account and result in deletion from my credit report. Between that conversation and the one that I had today, I called and attempted to settle for less ( understanding there might not be a deletion ) and was told they could n't accept only that. So I told them I would continue to get the rest of the total that was originally requested from me because I wanted the deletion. I finally got all of the money together and called back only to be told by someone else that paying this amount would not result in deletion, only showing account as paid. This does not make sense to me that a company is able to be so disorganized, that different reps are able to give different rules. Now I am being told that there 's no way to get rid of all interest or there can be no deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (KY).
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: I have already submitted the required Paper work indicating that my XXXX card was stolen. The company has lost my paperwork and is demanding I reinvent the wheel. No. I refuse to refill this paperwork out yet again. 
This company has been contacting members of my family via phone and telling them to please have XXXX XXXX call me regarding very important information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Debt collection (Medical) with Oliver Adjustment Co. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I spoke with XXXX at this company back on XX/XX/XXXX around XXXX regarding a medical bill in the amount of {$390.00} for my son. After speaking with XXXX, she advised me that she will reach out to XXXX regarding submitting the claim to be paid and she also advised me that she will submit the information to the insurance and that I should follow back up in 30 days regarding the status. I followed up and was advised that they have not received a response yet. After a couple of months I received another letter on XX/XX/XXXX from OAC which is the collection agency again regarding the bill. I then reach back out to the collection agency OAC trying to get the status on the claim and was advised by a representative that the claim had not been submitted to medicaid and that they would submit it. I have been reaching out to this company for almost a year offering my assistance in anyway possible while they kept informing me that they were submitting the bill to medicaid and come to find out, they never did. I 've been misled as well as lied to for months and all I asked of the staff at OAC was to submit the claim to XXXX so that they could pay it before the timeframe expired which was a year from the date of service which was XX/XX/XXXX. When I spoke with the supervisor XXXX on XX/XX/XXXX I expressed how dissatisfied I was with how the staff handled my account and he did not seem to care nor did he try to offer a resolution. The way the office handled my file was unjust and as a result of their negligence regarding submitting my claim to XXXX in a timely manner, XXXX will not pat the claim because a year has passed from the date of service. the names of the other individuals I spoke to in that office were : XXXX, XXXX, and 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 05-09-2017 about Debt collection (Other debt) with RS Clark and Associates, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: i was informed of this debt in   XXXX   XXXX   they said i started an apartment lease with centerport landing apartments in forth worth i have tried several times to get information inregards to the lease. the lease is not mine and they keep telling me it is. I have sent several letters and the FTC identity theift report plus a police reports.   i need this off my record and have my name cleared

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Once again they have incorrect information [ report  XXXX  ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual-  1- M y name  XXXX   XXXX   XXXX   XXXX  NOT  XXXX   XXXX   XXXX   XXXX  Hello.  2-   XXXX   XXXX   XXXX  is not ours. and not a savings plan. It was a retail purchase paid to   XXXX   balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing  Security hold but they have a " State Legislation '' hol d on the account- remarkable.  XXXX   XXXX  Bank  XXXX  mortgage since  XXXX   2017

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 05/31/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (NY).
Issue: Struggling to pay mortgage

Complaint: I am a   XXXX   XXXX   XXXX   XXXX   helping a client get a modification on his mortgage. The servicer  is PHH a nd I have had continued problems with them regarding this case.   My client recently started receiving    XXXX  . W e sent the servicer the award letters showing how much he will be receiving. We also sent him an explanation letter stating that he applied for direct deposit but that it would take some time before it would begin to show in his bank account.   In the meantime we showed that the client was depositing his check into his account every month. His direct deposit just started in   XX/XX/XXXX .     PHH keeps in sisting that they nee d two months  worth of deposit from Social Security. We have submitted a fully documented hardship request along with a third party authorization.   The servicer keeps sending out missing docs information for the same documents that have been submitted.   The most recent package was sent  XX/XX/XXXX  of this year. Soon after they received it, they sent back the missing docs letter asking for information that was already sent.   My client has   XXXX   XXXX   and he is on  XXXX . He would not be able to tackle this issue alone, so I am advocating for him.   Now with his income he is able to pay his mortgage, b ut PHH is mak ing it really difficult for him to get a modification. My client has a lawyer from legal project working on his behalf as well.   This has been going on for several months and it has gotten to the point where I just needed to make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: To whom this may concern, I am writing to express concerns regarding TransUnion 's handling of a number of disputes and requests for information regarding unrecognized information on my TransUnion report. Specifically, despite numerous disputes and letters sent to TransUnion not only disputing suspicious records but requesting the documents, records, and actions used to make a dispute determination - TransUnion has not fulfilled its obligations under both California and Federal Law.
To be more precise : 1. ) TransUnion appears to be purposefully delaying the execution of dispute investigations that are submitted through XXXX XXXX. Historically, TransUnion responds to dispute requests within 7-10 days. However, TransUnion has taken the full thirty days to respond to multiple disputes that have been filed through XXXX XXXX. It reasons that TransUnion is delaying the submission of the dispute result to XXXX XXXX and the consumer to avoid additional disputes and or hoping that the consumer will forget about the dispute after 30 days. Either way, this appears as a rather abusive tactic to avoid good faith compliance with state and federal laws - which ultimately harms the consumer. 2. ) After TransUnion made a determination on credit accounts labeled as " XXXX XXXX '', " XXXX XXXX '', etc I made multiple formals request to be provided with the documents, records, and actions TransUnion relied upon to make their determination. To date, TransUnion has not responded to these letters no has TransUnion provided the requested documentation. Because TransUnion is not providing me with the documentation, there is no way to ascertain whether TransUnion is actually investigating these disputes in a professional, diligent, and timely manner. 3. ) It is worth mentioning that there are other outstanding concerns with TransUnion 's handling of my consumer file, which includes the willful inclusion of known-to-be incorrect address information. However, for the purpose of this complaint, I want TransUnion to address the above issues and provide me with documentation concerning my correspondence to TransUnion, the documents, actions, and records relied upon in their investigations, and an explanation as to their behavior as I try to resolve problems with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying to freeze my credit due to the XXXX breach and have been unable to do it online and over the phone. It 's frustrating that these companies have access to so much sensitive information, have placed so many at risk, and have made it so difficult for the public to actively protect their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with Delta Management Associates, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company, Delta Management Associates, has contacted me three times regarding a debt that my mother owes. During both the first and second calls, I informed them to remove my name as a contact, and do not call me again. Today, I received a third call, and asked for the caller 's information in order to make a complaint. The caller 's name was XXXX 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 11-02-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Late fee

Complaint: Filed a complaint about being charged a late fee, which in my opinion is abusive since technically my payment was made on the same day it was due, but was posted the next day because it was it was not made by the cutoff time set by Barclay. I was assessed a {$34.00} late fee, which I must work nearly XXXX hours to earn, and I 'm a head of household with XXXX dependents because I missed the cutoff by minutes. So your few minutes cost me XXXX hours of my labor, plus take food off the table for my dependents. I do n't believe my request is unreasonable to ask for a {$34.00} late fee be waived, considering you make a lot more than that over time in interest. First when I called to request your manager gave me attitude when he told me no one can waive that for you in a condescending tone. Second I filed a complaint, and a young lady by the name of XXXX from the office of the President called me twice, once on XXXX XXXX and XXXX XXXX, even though I called at least three times after the XXXX, no further attempts were made to call me, and instead you responded in writing with the nonsense that was provided by your agent, and manager. I do n't think you 're written response addressed my issue or concern appropriately. Your agent 's response, your manager 's response and your office of the President 's response was inadequate. You simply told me I already knew, and I did n't ask you to reiterate what I already knew. I expressed a deep concern that I felt your late fee was abusive, unfair and unjust for someone like myself who made the payment the same due it was due for a very large amount, and missed your so cutoff time by minutes but was assessed a late fee. Maybe you should focus your attention and invest on being more customer centric and doing the right thing for the customer when you know they have an issue, since obviously technology is not an option you 're willing to invest in. There really should be a difference in making the payment by XXXX on a given date as opposed to making payment by XXXX. It 's still the same calendar day, and it is processed electronically immediately. I could understand if we were behind on the times, and we still had a brick and mortar operation where I needed to get to a branch location before it closed, but that is not the case. This an electronic payment which was still processed on the due date. Like I stated its truly sad and unfair that I should to give up XXXX hours of my hard earned money for a few minutes of an obsolete cutoff time. The way you have handled my request and the amount of energy you have expended to not do a courtesy waiver is unbelievable. Just put XXXX of that same effort into doing the right thing for your customers and everyone will be happier on both sides. Once again I 'm requesting a courtesy waiver of an abusive, and unjust late fee.

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 01/23/2018 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Closing on a mortgage

Complaint: My name is XXXX XXXX XXXX. I am an XXXX ( soon to be XXXX ) year old, 26 year XXXX XXXX. The reason I am writing is because I was told some very disturbing news that does not makes any sense to me. 

I purchased my home in XX/XX/XXXX. I have refinanced a couple of times over the years for various reasons. 

In XX/XX/XXXXI suffered a XXXX and a XXXX XXXX. At that point I refinanced my house to add my girlfriend on the title in the event anything happened to me. 

I refinanced my home with Quicken Loans on XX/XX/XXXX. 

My girlfriend, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

As I mentioned I am a 26 year XXXX XXXX. This past year I was told there was a program available to veterans that could assist in paying my property taxes on my home. I inquired about the program and was told by my county that information could not be disclosed to me because I did not own my own home. I did not understand what I was being told because I bought my house and have been making payments since XXXX. 

With the help of family we began to try and understand what I was told. 

Supposedly in XX/XX/XXXXwhen I was in the hospital recovering from a XXXX and XXXX XXXX and refinanced my house I am being told I gave my house to my girlfriend by a deed and that I did not refinance it. I do not understand why someone would think I would do this and I am not sure how this is possible. I refinanced my home to add her on to title. I have been making payments on time every month since I bought my home in XXXX. 

My daughter in law contacted Quicken Loans who last did the refinance on my home. She was told on XX/XX/XXXX by XXXX XXXX from Quicken Loans Originating Team that I was in deed on title at closing in XXXX. She further said that the title company is a sister company and she would have documents forwarded to me showing I was on title. 

I am now being told from Quicken Loans that I am not on title and that I have been paying my mortgage on time every month for a home that I do not own. 

I do not understand. 

In looking at my loan application in XXXX ( copy attached ) with Quicken Loans it shows manner in which title is to be held XXXX. Title will be held in what Name ( s ) : XXXX XXXX, XXXX XXXX XXXX. This goes to show that again all parties agreed that I am the owner of my home. Those were the terms I agreed upon when I refinanced my home. That is why I signed every sheet of paper when I refinanced my home. 

I NEVER gave up ownership of my home. I have no money to go anywhere else. I have equity in my home that I can not afford to lose. I need help to get my home back. 
Loan Information : Quicken Loans Inc. 
Loan Number : XXXX Loan to : XXXX XXXX XXXX XXXX XXXX Mortgage Loan Amount : {$66000.00} My address : XXXX XXXX XXXX, XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: On XX/XX/XXXX I joined a dating site called XXXX XXXX for one month at {$14.00}. I notice with 24 hours or less contact issues with the site deleting my information in my profile and changing what I was saying. I did e-mail the company XXXX XXXX and did receive a response back from XXXX XXXX on XX/XX/XXXX stating my account could not be cancelled. XXXX also I believe was changing and harassing members as when I complained, she sent an e-mail return with a smile face. Other people also complained as they didn't understand why and who was changing the profile information. I did call Bank of America, VISA  credit card to dispute the {$57.00} charge and told them I wanted a month membership, not 6 months. I faxed all information proving this including trouble tickets, e-mails from XXXX XXXX employee etc. Bank of America Visa credit card turn around and sent me a letter dated XX/XX/XXXX stating there was nothing more they can do. They failed to protect a customers interest and allowed fraudulent charges to be processed. I have approx. 40 pages of proof showing cancelled subscription to reactivate subscription by the company called XXXX XXXX which Bank of America has in their possession. Bank of America apparently refuses to send conformation of dispute other than saying there is nothing we can do after I spent hours faxing proof to them.

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