milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was in the generation of kids who were told that getting college degrees would open the door to great paying jobs, so rack up all the student debt it takes cuz you can pay it off easily after you sort through your job offers. 
Maybe there was even a time that was true, but although the unpaid internship market is through the roof, the job market is XXXX and my degrees are not competitive. I tried so hard for so long ( 2.5 years ) to get work in my field while scrounging on XXXX, trying to land any job in any field, usually part time and/or seasonal. When offered a full time year round position, albeit for $ XXXX/hour XXXX hours/week, I took it and have given up on trying to get work in my field. 
I have about $ 300K in loans. My federal loans are fine because Income Based Repayment brings them down to $ XXXX/month- even though Navient tries their hardest to obscure that it 's an option, and wo n't even, insofar as I can tell, tell you how to apply for it. The bulk of the loans, however, are private Navient loans, and recourse is practically nonexistent. I ran up my forbearance time while un ( der ) employed ( paying {$150.00} each time- paying money to not pay money so I ultimately pay them more money? ), and then they set it to interest only payments, which still works out to over 100 % of my income. Every payment I 've ever made has been to reduce my delinquency. Now they 're saying that interest-only payments is another thing that runs out and soon they 're going to ask me for EVEN MORE money- presumably 200+ % of my paltry income. It 's not that I 'm unwilling to pay- I 've been trying to pay like 20+ % of my pathetic income toward it, occasionally jeopardizing my ability to pay for food, but at this point I think the smartest option would be just to let it go into collection cuz Massachusetts will only let them garnish 15 % of my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Other mortgage) with HOMESTAR FINANCIAL CORPORATION (KS).
Issue: Credit decision / Underwriting

Complaint: My wife and I filed a joint application with Homestar Financial Corporation for a USDA Single Family Home Rural Development mortgage/loan. We have been ignored/mislead/lied to regarding the acceptance or denial of the loan by the USDA underwriters, among many, many other faults. Our loan officer told us that the USDA denied the loan, but after contacting the USDA directly, they informed us that they had in fact not denied the loan. They told us we need to contact Homestar directly. We have contacted the local Branch Manager, the Division Manager, and the corporate office 's Compliance Division. Corporate has told us repeatedly that the Division Manager will be contacting us, but he will not return phone calls or emails. A week after the loan officer lied about what the USDA said, we still have no answer as to what the true status of our home loan is. I have a word document that details the entire experience and our attempts to find answers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed $XXXX from XXXX  on XX/XX/XXXX with a payment of $XXXX a month.  At the time I was not aware that the interested rate was 57.67% making me repay over $XXXX over 4 years.  I was told at the time the contract was for 24 months.  This company is taking out $XXXX bi-monthly, making me pay $XXXX per month.  When I called to pay off the loan I was told that I would owe the entire $XXXX   on the loan.  they did not remove interest ($XXXX)that had been assigned to loan.  As of today, after 71 payments of $XXXX  I still have a balance of $XXXX.   This is ridiculous and should be against the law for any financial business to charge this type of interest and provide this type of loan to take advantage of hard-working people. I would like information were to file a complaint against this type of loans?  Thanks,XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage payments due to illness, I started working with a housing counselor in XXXX 2015. She submitted a a completed workable solution packet to them. Maybe a month or two later, I received a call from my lender requesting I send in more papers. I did that. We have been to court here in XXXX. 
eight times and only to be told they need more papers. I have done what they asked me over and over again. The housing couselor also sent them what papers they asked for. I only want to start making payments to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Charged fees or interest you didn't expect

Complaint: I have an account with One Main Financial. They are reporting interest that have not accrued yet on the loan monthly to all three Credit Bureaus. On my credit reports its stating I owe One Main Financial {$11000.00}. I only owe a balance of {$7400.00}. In the month ofXX/XX/XXXX, I disputed the amount they said I owe via certified mail to XXXX with my supporting documentation print out from One Main. XXXX received the information onXX/XX/XXXX. Weeks later, the correct balance was updated to the amount then that I owed which was {$7500.00}. Now this month One Main has updated it with a balance of {$11000.00} which is inaccurate. This month of XX/XX/XXXX I sent in via certified mail to XXXX along with my supporting documentation of how much I owe they received this information on XX/XX/XXXX, I called XXXX on today XX/XX/XXXX to see if my balance has been updated to the correct amount. The representative informed me it did, I then proceed to ask her what balance it was stating, she said, " it 's an update of {$11000.00} ''. I made her aware that the balance is still incorrect and informed her I even sent in supporting documentation that came from One Main saying how much I actually owe.This is an ongoing situation where they updated the correct balance when I first sent in the dispute to XXXX, now they are back to reporting an inaccurate balance to all three Credit Bureaus that I do n't currently owe.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never got a bill from credit collection services. I have no idea who they are and I never had any dealings with who they represent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have an account with XXXX XXXX from XX/XX/XXXX. The loan has been paid in full but is still on my credit report and its XX/XX/XXXX. I will like for this account to be removed it has been paid and is over 8 years old and is a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bayview completely ignored laws and is reporting a disputed amount to the credit bureau. Bayview took over my loan and even when I disputed according to the laws that are supposed to protect me, Bayview ignored and reports my account late 60 days which included the disputed payment. Bayview asked me to provide information I did, they reported to credit bureau and had caused me financial damage they are going this, as noted on your site too many many people, when will this company be stopped?

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 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: On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximately ten days later due to my credit report.  XXXX  pulled up my   XXXX   credit report. Both  XXXX   XXXX  and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX   XXXX  has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX    XXXX   advisory removed. Each customer service representative said that I had to contact   XXXX    and that  XXXX  would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.

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 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I recently applied for a credit card from XXXX, they reported that TransUnion was not able to advise my Credit Score with the following feedback : " Missing or Invalid Date : XX/XX/2017, Source : TransUnion Consumer Relations '' As a result, my application has been rejected. 
Through this portal I had received confirmation from TransUnion discrepancies with my information was fixed. Please advise XXXX 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 non-monetary relief
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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 am making a formal complaint against Transunion. Since XXXX XXXX I have submitted written disputes for the following account XXXX XXXX XXXX Account # XXXX. In XXXX XXXX I mailed a dispute and called and spoke to a Customer Representative and asked him the gentleman what the status or the outcome of my dispute. He told me that Transunion never received my dispute or my documentation. I told him that I had received the green return receipt card with a stamped signature dated XXXX XXXX. The guy lied to my face because I told him I was looking at the card with the date and signature. I became furious because I had been lied to. I asked to speak to a native XXXX speaker because I felt there was a language barrier and a cultural barrier. I was then transferred to XXXX XXXX. She told me the same thing, that Transunion did not have any record of receiving my dispute. I told her that I had return receipt green card. She said that she would be able to take my dispute again and I told her that I would fax the information over. 

Now fast forward to XXXX XXXX. On XXXX XXXX, XXXX I mailed a new dispute to question the validity of XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX XXXX Account XXXX. On XXXX XXXX, XXXX I received a letter from Transunion asking me to confirm my address by sending in proof of address in the form of utility bill or pay stub etc. 

I find Transunion request to be incredulous because I have mailed in proof of address and identity months before and I strongly feel that Transunion is using stalling tactics and denying my rights under FCRA by " loosing or misplacing my requests or documents '' I have been lied to on more than one occasion. 

With the latest hacking breach that was suffered by XXXX I question the security and strength of all the credit bureaus to include Transunion. I do not have faith or confidence in companies like Transunion when they routinely lie, circumvent XXXX laws. 

Here is my information : XXXX XXXX XXXX XXXX Transunion File Number 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 07/27/2015 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Received a voicemail from a woman asking me to call back about a debt, but did n't identify mini Miranda, nor who she was looking for and my outgoing voicemail message does n't identify anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: **PLEASE HELP. STOP TOMORROW 'S FORECLOSURE : XXXX XXXX, XXXX This is my XXXX complaint against SunTrust Mortgage. I see from SunTrust 's response to my previous complaint that they claim they have no record of our applying for a modification. XXXX of the modifications we applied for with SunTrust took place in XXXX 2016. As previously stated, it was at that time, that XXXX XXXX XXXX of SunTrust 's Loss Mitigation Department, recommended to me that in order to stop a foreclosure that was scheduled for XXXX XXXX, I should apply for a modification, which I did. A copy of said application along with XXXX of XXXX XXXX XXXX 's emails to me is attached to this complaint. Also at that time, as there were multiple client relationship managers with which I had to work, there was extreme confusion that came up at the last minute, about filing for a modification vs. selling our home. If one ca n't apply for a modification and list the property for sale at the same time, then why would applying have been recommended to me? Why does SunTrust 's modification application form ask if you want to sell the property? Why does the form not clearly state that if the consumer 's intent is to sell the property, then modification is not an option. In short, I was lead down a confusing rabbit hole on this issue. Now SunTrust is attempting to hide behind this confusing smoke and mirror tactic that they purported on me. We were having to make major, life altering decisions in a rush, due to SunTrust 's tactics. As I 've stated before, we were only attempting to sell the home as SunTrust had previously refused to work with us on a modification. We were then hit with a doubled monthly mortgage payment. All of this, yet again, demonstrates that SunTrust has not demonstrated good faith in working with me to save my home. In XXXX 2016 as now with tomorrow 's foreclosure date, they have denied me ample time in which to address these confusing and complex issues. This is simply more of their blatant predatory practices. PLEASE STOP THIS FORECLOSURE!! Please thoroughly investigate these events and save my home!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is wrong information from XXXX XXXX. I talked to that company, they fixed it, and sent me a letter and a draft ( that 's the clear for the bureau of credits ) and I explained that to Transunion and sent them copies of all of this on XXXX XXXX, XXXX, by certified mail, and 3 years later they have done nothing, negatively affecting my credit report. I resent it on XXXX XXXX, XXXX by certified and signature required mail SIGNED by XXXX XXXX in Transunion Pennsylvania. 
This is adversely affecting my credit report costing me MONEY and TIME and there is no way to make them understand that because when I call them I have someone answer overseas and they always transfer me to somebody else or give me a different number to call but my time does not have any value for them. Thanks guys for helping me with this situation and thank XXXX that we have somebody who can make these companies STOP THE ABUSE.

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 05-02-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (FL).
Issue: Struggling to pay mortgage

Complaint: This is in response to my previous compliant  Case Number  #  XXXX . Even though the response was received, I wanted to respond appropriately and re submit my complaint with supporting documentation will be attach for review for accuracy.     In response to letter date   XXXX     from  XXXX   XXXX   Executive Respone Unit f rom  Cititmortgage.      In his letter he states that I was eligible for HAMP and a trial period with payment of  XXXX  which is incorrect the correct the amount {$780.00}. I will provide statements reflecting and all income was verified.  (  will upload documentation for review ) Also you stated about the account was recently review on   XXXX     with an offer of {$180000.00} however that is also incorrect. The offer of {$180000.00} CASH was submitted on     XXXX       from   XXXX   XXXX   XXXX   XXXX   ( Buyer ). T his offer apparently was countered by  Citi  of {$180000.00} and he was not willing to go up to that amount. My realtor found another buyer   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  who currently presented an offer that was submitted and signed on   XXXX   for {$190000.00} looking to close by      XX/XX/XXXX  and the file was actually just review on    XX/XX/XXXX    how convenient because my file was transferred from  XXXX   XXXX , then to  XXXX   XXXX  and to  XXXX   XXXX   XXXX  within a 15 day period. So attempting to get a status is quite difficult with your institution. ( will upload documentation for review  ) My sh ort sale analyst received this communication stating the following : " the lender denied the offer of $  XXXX  they countered back at $  XXXX . So the offer was denied and they will not review another until the sale date has been extended. The lender will file a motion to extend because of the short sale. ''  (  will upload documentation for review ) I would like the CFPB to record my response and publicly record of how unfairly I am being treated.

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 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AK).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Not sure how but, I have ended up with over XXXX loans. I feel that I have been " wronged '' when it was XXXX/Navient, I have been over charged with interest and this puts me at a disadvantage in trying to pay back and reflect poorly on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: The Homestead Lien Contract and Deed of Trust dated XXXX XXXX, 2005 on our XXXX acres and home was misfiled as a " Homestead Lien Contract and Deed of Trust '' and should have been a simple Deed of Trust securing the Note - not creating a home equity loan. We relied on the knowledge and expertise of XXXX XXXX XXXX in Texas Mortgage Law to be correct ; however, this does not appear to be justified. This filing should never been designated as a " Home Equity '' loan. My letter of XXXX/XXXX/2015 was arbitrarily dismissed without citing any specific error in my position. My letter of XXXX/XXXX/2015 cited Texas Statute as to the error in the mortgage documents filed. I can not get a response from the lender beyond they are researching - for the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other

Complaint: In XXXX, I received a notice from Chase Credit Card Services that my credit card rate was below market at 14.5 % and that my rate was being raised to 16.5 % effective XXXX 2017. I have never been late on the card and have been a loyal customer. I was informed by Chase that if I did not want to pay the 16.5 % I can close my account. I submitted a written request to Chase to cancel this amendment to my credit card rate and honor the 14.5 % rate they provided pursuant to my credit card agreement. All consumers are aware of the impact to your credit score when closing an account. This is an egregious practice in interest rate hikes to consumers and should be stopped. Chase provided no other option besides closing of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (OH).
Issue: Managing the loan or lease

Complaint: I refinanced my car, I asked the company would anything change besides the date of the payment and the amount. I was advised no, so I even asked would this have any effect on my gap insurance I was advised no. Well come to find out that was a lie. I got in an accident the care was totaled and the gap I insurance said they would not pay because of me refinancing changed the terms of the original contract. It has been a few years and not M & T bank is calling me saying I owe $ XXXX for the car. When it was totaled out there was n't even that much left in th car I tried expaininf the I was deceived by their company and that the gap should have been added to the new terms but instead they advised me I was still covered. I do not feel I should pay the bases on being lied to. Is there anyone that can help me with this? I asked them how would this effect the gap insurance and they fact that they said it would not effect it and that the car would still be covered if something happens then something happened and the gap would not pay for the outstanding amount.

Company response to consumer: Closed with explanation