milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My Account ending in ...  XXXX  has a balance of  XXXX  dollars. My full name is  XXXX   XXXX , my last  four  of my social are  XXXX , my security key on my account is  XXXX  ( where is I was born ). I have a balance of  XXXX  dollars and it is incorrect! I wrote a letter to AE fraud department but you never credited me the fraud charges!     First of all where does this  XXXX  dollar balance even come from? Everything on my account after    XXXX    2016    was fraud. So If you have not credited me anything since  XXXX   2016 , please apply the credits, if you do then you will see that I have NO balance on my account because after  XXXX , i have had  XXXX  dollar balances and I have NEVER used m y American Express ca rd since then at all. In fact I should have some credit balance.     Also, the following are few charges I have not received credits for though I sent you the statements in the mail with the charges circled about 10 days ago ( the statement is also attached in this message through CFPB ) :  1.   XXXX / XXXX / 16   XXXX   XXXX   XXXX   XXXX  MD {$44.00}  2 .  XXXX / XXXX /    16    XXXX   XXXX   XXXX  TX {$210.00}  3.   XXXX / XXXX / 16    XXXX   XXXX   XXXX   XXXX   {$0.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Hello, I am back again to discuss Navient. I have been having problems for a while. My federal loans are on a more affordable monthly payment. However I am having problems with the private. I received a letter yesterday from my federal loans demanding the payment of my entire loan in full. I was confused because i had just started the new lower payment program. I called them and they stated that it was past due but later said i was up to date. He then told me it was my private loans. I spoke to the private loan department last month to discuss some options for repayment. The first person i talked to said that they could not lower the interest rate under 7. Her manger then told me he could get it to 1 but for only a short time then it would go back up. Then he presented me with a payment plan that would have been automatic and had other information about the plan he could not email me in writing. They wanted me to listen to a voice automation that was talking so fast that i did not feel comfortable agreeing with the terms. he told me to just keep replaying until you understand!!! I was taught to read before you sign. He made it seem like it was an offer I had to take or would lose it. He kept telling me that he could not email me the document. I cant get anywhere with the private loan side. I would like from them to send me copies of all of my history. I would like to see the original document i signed at XXXX XXXX. I also would like to receive the document with that payment plan that they could not provide. I strongly felt bullied in that situation. I would like for them to send me the correct info. Are they going to help with my private or are they demanding the money i dont have, and cant borrow. They stopped taking credit card payments but even still at this current time i cant give them the full. My salary is just as much as my loan. I cant switch careers because its hard finding a Job as is. I have been paying on my loan for since 2009 and i just started having issues. 8 years of payments and my loan has gone up.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On  XXXX   XXXX , I received a promotional offer in the mail from Navy Federal Credit Uni on ( NFCU ). It stated  that if I opened a  Go Re wards Credit Card account I could get a 2.99 % interest rate on balance transfers with no balance transfer fees. It directed me to  apply at www.navyfederal.org/go299. A fter I applied, had my credit checked, and requested to transfer my balance, I received their disclosures in the mail which said the interest rate on balance transfers was 10.24 %. I called  NFCU  to find out if 10.24 % was the balance transfer interest rate and I was told it is and that they had no knowledge of any 2.99 % promotional offer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Medical debt) with NCSPLUS INCORPORATED (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Sometime during the early to middle part of XX/XX/XXXX, I  spoke with XXXX, a manager at the XXXX XXXX XXXX, XXXX ( XXXX ) in XXXX Maryland. I was requesting to speak with the XXXX XXXX XXXX, the owner of the practice who treated me during most of XX/XX/XXXX. I was going to request XXXX XXXX if he could wave the remaining balance because my XXXX had left me unable to pay. XXXX wouldnt let me speak with XXXX XXXX telling me that XXXX XXXX will say no, but she said I could pay any amount when I can. I guess because of my insistence, XXXX suddenly cut off our phone conversation saying .Ok XXXX , Im sending you to collections. 

Then after, I managed to sort out my personal budget and on XX/XX/XXXX, I made a payment of {$35.00} towards my balance. However, I was surprised to receive a new statement with a balance of {$180.00}. When I called XXXX, I was told that a {$50.00} collection fee was added to my balance. On or about middle of XX/XX/XXXX, I did get a letter dated XX/XX/XXXX from NCS Plus Incorporated ( NCS ) but with an amount due of {$220.00}. I dont understand where this amount was based on. 

Aware that I already made a payment of {$35.00} which was accepted by XXXX, I thought nothing more of the letter. Shortly thereafter, I also received a few voice mail messages from NCS but for the same reason, I also thought there was no need for me to call back. On or about the first week of XX/XX/XXXX, I received a 2nd letter dated XX/XX/XXXX from NCS with an amount due of {$220.00}. I had just made a payment of {$10.00} on XX/XX/XXXX to XXXX, so again I didnt think any more of the letter. 
I made my 3rd payment of {$10.00} to XXXX on XX/XX/XXXX and I made sure to tell XXXX of NCSs 2 collection letters and phone messages. She assured me she will let NCS know that Im making payments toward the balance. Today, XX/XX/XXXX, I received a 3rd letter dated XX/XX/XXXX with the same amount due of {$220.00}. 

NCS is in direct violation of the Fair Debt Collection Practices Act XXXX because they are misrepresenting the amount of the debt it is attempting to collect. The amount due of {$220.00} was wrong from the start and it is absolutely wrong today! It is irresponsible for NCS to continue sending me collection letters without knowing the actual state of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: I 've disputed with XXXX on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. XXXX said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to* promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient  contacted everyone with the same last name as me and born relatives that are them to harass them for money when they have  zero co nnection to my loans. My mother in law, sisters, aunts, uncles in other states never allowed them to contact my relatives or gave them any numbers to contact them. This is the Worst company to ever " borrow " money from! Breach of my contract. It makes me feel really uncomfortable to show they have authority to do such thing. I try to reduce My loans and they could not then I would take 30 monthly payments in and messed up my account breach of my contract it makes me feels really uncomfortable! I try to reduce My payments and they could not then I would take 30 monthly payments in and messed up my account even

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is in regards to a charge-off from Capital One. Capital One has been using extremely unfair practices in credit reporting. My charge-off initially started with one account number ; for some odd reason the account number was transferred and a new account was created with the same information. So, I actually had 2 accounts dinging me with the same exact information. I had to call Capital One MANY times to figure out what was going on and it took me MONTHS to have the duplicate account removed! Starting in XX/XX/XXXX up until XX/XX/XXXX I had started making payments to XXXX XXXX XXXX XXXX XXXX on my charge-off account every single month. The balance on my account had never went down. My original balance was {$3100.00}. Month after month, I was making payments with no decrease in the balance on my credit report. After some time I had filed a dispute on the account with the credit bureaus becuase the information reporting was incorrect. Capital One came back and reported that the information was correct and met FCRA requirements. Which it did not. Later, they sent me a letter in the mail, which I saved as proof of their unfair practices, that the information that was reported was incorrect and that they had fixed the issue. So they lied to the credit bureaus? Finally, my balance was updated after making 13 months worth of payments to {$290.00}. Well, this wasn't the end of it. After I had made my last payment in XX/XX/XXXX, Capital One went back and updated my balance back to the {$3100.00} and the status showed updated on XX/XX/XXXX! What are they doing? I called many times and spoke with the executive office and was promised returned phone calls which I never received, and when I did get a call back I was often put off or told to wait a few more days. I finally just gave up. I pulled my most recent copy of my XXXX report just as evidence of their fraudulent reporting should they try to cover up their mistake. Even more, when I had made my last payment, they said it would take a month to furnish me with a receipt and confirmation that my account was paid in full. They refused to email me a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (FHA mortgage) with FIRST MORTGAGE COMPANY (IA).
Issue: Application, originator, mortgage broker

Complaint: I currently rent a duplex located at XXXX XXXX XXXX XXXX IA XXXX. The property was sold on XXXX/XXXX/2015 for {$180000.00}. The current owners used FHA financing and are not occupying the property. I know this because I 've been receiving their mail since the begging of XXXX. The mail is addressed to the current owners on record to my address which I have a lease agreement in place until XXXX. There was also {$20000.00} given by the seller back to the current owners for new windows for the property, this was given to the current owners from the proceeds of the sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I called boa several times to try and get my home equity line of credit to a fixed rate. In the beginning they never tried to help me. Then I called again and again and denied any kind of work out. Now I got another package where they send not to try and do modification to a fix rate but they sent paperwork to do another equity line of credit with variable rate subject to change again. I need help I am older woman looking to a loan mod with a fixed rate

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 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Professional Accounting Management is reporting false information on my cr4edit report. I contacted the company ( XXXX ) XXXX to be told that they are unable to pull anything up under my name, thus being unable to address the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I was promised credits for a refi loan 1. {$500.00} promo credit and # 2 {$1500.00} lender credit. Now XXXX hours before closing they tell me the lender credit is {$740.00}. I have been promised both credits in the entirety several times in disclosures, emails and by phone bow that I am set to close the credits are going away. Deceptive practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2015 about Credit card () with PENTAGON FEDERAL CREDIT UNION (LA).
Issue: Billing disputes

Complaint: I have a credit card account with Pentagon Federal Credit Union and have requested several times that the credit insurance I am being charged monthly be discontinued via email within their secure email messaging platform and they refuse to do so unless I sign documents. My email from within their secure website should be good enough. 
I have placed the credit insurance debit charges that they keep charging me into dispute, yet I logged in today and I can not find anything about the status of the disputes. This month, another charge for {$.00}. These charges may be small, but they add up, and when this may be occurring nationwide, it adds up to a considerable amount of money. When I inform you I no longer want the credit insurance it should be removed prompty without the need for dispute resolution or me having to go to regulatory agencies to complain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: Bank Of America is holding up smaller bank card transactions longer until there is a bigger transaction that would cause the account to be overdrawn. Then, it applies the smaller transactions and charging the consumer multiple overdraft fees. It happened to me multiple times including yesterday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am currently on an Income Driven Repayment ( IDR ) plan and I agreed to electronic and direct deposit. I firmly believe that these plans are created to lower payments to a more manageable XXXX ( of course interest still accumulates ). I pay XXXX a month and woke up this new year to a XXXX withdrawal. Not only was Fed loan rude but they put all the blame on me. I spent the afternoon stopping payment from my bank and dealing with Fed loan trying to still attempt to not default but was not able to reach any type of compromise. My only question is its 2017 is the best form of communication an email over the holidays with no marker of importance, no title in the email stating my rate would go up, not a prerecorded phone call or send a text ( they do of course offer texts for promotional services ). I understand of course as they stated this is all my responsibility but with such a significant increase in payment I definitely think a better effort on their side communication wise is definitely warranted. I feel the worst for the call center employees since they are forced to deal with unnecessarily upset customers. I mean where is the logic here I 'm on and IDR because I ca n't afford a regular payment so go ahead and instead of charging me XXXX charge me XXXX. I guess understanding of my situation was just to hard for them. I was not notified of forebearance till the 5th time I called TODAY! I am definitely reconsolidating and looking for a better servicer. After all was said and done I attest that this process took 6 hrs today and by the time I called back the calling center was closed!

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Private student loan debt) with Brock & Scott, PLLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2017, I received a letter from Brock & Scott , PLLC stating that my debts with XXXX XXXX XXXX XXXX are now settled. When I paid these balances with Brock & Scott , PLLC, XXXX would only settle at 80 % on my two loans which equaled {$1000.00} and {$1800.00} respectively. I am still getting hit with delinquencies on both of these accounts on my credit report for XX/XX/XXXX and for XX/XX/XXXX. It takes the act of Congress to even get through to them and when I actually spoke to a person last week, she stated it would take seven days to research and I would have to call back to even receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (I do not know) with Solidus Group LLC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call from an anonymous number from a person claiming to be a county process server in an attempt to collect a debt that I do n't think exists. I checked the name he gave against our Texas state roster of court appointed process servers, and did not find it. He also claimed that if I did not respond to the phone number he left, that I would be served at home or work the next day, which did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have spoken with Navient on several occasions. The first time I spoke with a guy and I am assuming he pulled a TLO because he knew who lived in my household. He then told me  Navient will g o after mother and my sister because they are co-signers and they are n't. I have explained to them that I can not afford to pay them {$1100.00} only {$200.00} will go to the principal ... so they did an income expense they see that I barley have {$100.00} left over and they still want me to pay {$350.00}. They call me all the time today they called me twice in the same hour. They want me to pay {$150.00} to refinance the loan and my payments will start over in  XXXX  and I will be back in the {$1100.00} boat. I ca n't afford to prolong the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I feel like I 'm over paying for my school loan. Unfortunately when I call customer service for help I do n't get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: On XX/XX/XXXX I applied for a XXXX XXXX account for a medical procedure, and was approved. On XX/XX/XXXX, I was completed the approval process for the procedure only to find out in the same day that my XXXX XXXX account was frozen pending a fraud investigation. I contacted the credit bureaus and was directed to TransUnion as the agency originating the problems. On XX/XX/XXXX, I contacted TransUnion, spoke with XXXX. She claimed that TransUnion received a dispute via mail on XX/XX/XXXX and without contacting me or notifying me, reported the account as fraud on the same day, resulting in it being closed/frozen. XXXX refused to allow me to stay with a supervisor or details regarding the dispute, such as who filed it or what it included. 

The credit reporting agencies should be required to provide documentation of disputed accounts, including copies of the original dispute. Before a dispute is finalized, the consumer should also be notified. 

Even worse, the credit report and information was sent to XXXX and sent back to the company ( aka XXXX XXXX ) started that it 's a " consumer dispute '' even though I never initiated the dispute. XXXX did not contact me regarding the dispute either. This should be illegal, claiming I filled a dispute when I did not.

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