milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (KY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hello, I am writing this as I am writing a complaint about my private student loans from Navient. I have paid my loans on time for 5 years straight without seeing any type of impacting decrease in the repayment. I have asked to lower my interest rates that are ridiculously high and have been told no over and over. I have asked to be on a income driven repayment plan along with just paying interest and I have also been told no. 





I asked to have my loan payments be adjusted for a longer length of time to have my payments lowered and Navient has once again told me no. They have left me with no other alternatives but to only pay what I can each month. They have now affected my credit greatly and have refused every opportunity that I have asked them to help me with my situation. I have had to file for bankruptcy last year and they are still relentless on letting up on their repayment tactics. I am issuing this complaint in writing as I have no other alternative. 




Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with D&A Services, LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a letter from D & A Services dated XXXX XXXX, 2016 on XXXX XXXX stating I woes {$350.00} to them to which I have let them know via telephone calls it is not a valid debt and I am the victim of Identity Theft. The collection attempts continue, they also informed that the debt is beyond statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Social Finance, Inc. (IL).
Issue: Getting a line of credit

Complaint: I requested a loan, the company used my information to quote on a loan rate of 6.575 %. After applying for the quoted loan, and providing all the documentation requested to verify the quoted income ( bonus plus salary ) the company revised the offer up significantly to a rate of 8.74 %. After discussing multiple times with the company representatives my year end pay stubs the representives told me the company had a proprietary formula to disregard all company performance plans as income even though their instructions say providing two years of documented bonuses would constitute income. The representative stated multiple times that sofi choose not the accept the documentation provided by my small employer as they labeled it differently from one year to the next therefore I did not earn that income. It was clear in my conversations that the Company had no intention of honoring the original quote so they were choosing not to recognize the income to give a reason to change the offer. It appears to me this company is using bait and switch tactics to lure consumers with the promise of lower rates than they will actually offer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: account is showed charged off XXXX seperate times and should just show closed in XXXX 2013

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with American Coradius International LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello! I am currently submitting this complaint mainly because I fear that my personal information is being handled incorrectly. I recently received a voicemail from the debt collection company ACI. I understand the way collection efforts work, and I understand that calls are made, voicemails left, etc. But I was in my living room when listening to my voicemails and unfortunately now my roommates all know that I 've got a collection company attempting to collect a debt from me. All the information was flat out released with no concern for privacy. The voicemail included my name, a reference number, and the caller even stated that they were a debt collector, as if to reassure anyone that might be listening. I 'm afraid that if they happen to have any other phone numbers in their system, they may be leaving similar voicemails elsewhere. I 'm already humiliated by the fact that my roommates know that I 've got debts, I really do n't want anyone else to find out about my financial troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MIDCOUNTRY FINANCIAL CORP (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is an old debt from the military. Since XX/XX/XXXX and I had filed bankruptcy in XXXX XXXX. They are still reporting negatively on my credit report. I really need help to remove them for good. This debt is really old. The creditor is Pioneer Military Loans from XXXX. They know the debt is old but they keep refreshing on my credit report.

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 05-04-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this debt with all  XXXX  credit bureaus. They have failed to show proof of debt, but will not remove it off of my credit. I did n't not break my lease, and when I moved out there was  XXXX  monies owed. This was never explained to me nor did I received notification about this debt prior to seeing it on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Home equity loan or line of credit) with Excel Realty & Mortgage, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: I began the mortgage loan process with Excel realty and mortgage on XXXX/XXXX/2015. XXXX XXXX at XXXX office was the loan officer I started working with. He offered me the interest rate of $ 3.875 % for 30 yrs fixed loan with no closing cost, no lender fees, no points, no any other hidden fees whatsoever. I agreed to the terms and conditions and asked him to lock the rate. During the entire process, I was quick to provide them with all the required documents and promptly answered any questions they had. After 3 weeks into the process of obtaining the loan, he began making promises to me about finishing up at the end of that week. This was his routine over and over again. 3 long months later, on XXXX/XXXX/2015, he assured me that we would finish up the process in no longer than a week 's time once again. Then to my shock, on XXXX/XXXX/2015, during a phone conversation ( one which took me many attempts to make happen ), he informed me that the previously locked interest rate of 3.875 % has expired and that rate is no longer available. I am very upset. After more than XXXX long months of waiting, I am still getting nowhere. I called other Excel realty and mortgage offices with the hope of talking to a supervisor, will help me to resolve the problem. I spoke with XXXX XXXX. He said he will do his research and will get back to me. Still nothing is happening. Now interest rates are much higher than what it was 3 months ago. I lost the transaction that could have benefited me and I do n't know what to do. 
What happened to me was very unfair and unprofessional. please help me to bring this issue to justice and not let this happens to anybody else.

Company response to consumer: Untimely response
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have this happen every six months and it needs to stop this is violating my RIGHTS. I do not know what else to do. Transunion, your company has someone else social, addresses, accounts and name listed on my personal credit file. This HAS TO STOP! It is not fair to me. 
REMOVE THE FOLLOWING WHICH IS NOT ME Name NOT MINE XXXX XXXX XXXX SOCIAL NOT MINE XXXX MANY ADDRESSES TO MUCH TO LIST AND ACCOUNTS XXXX # XXXX, XXXX XXXX AC # XXXXXXXX # XXXX XXXX # XXXX. I CONTACT YOUR COMPANY IN XXXX AND IT WAS FIXED A COUPLE MONTHS LATER YOUR COMPANY PLACED ALL THE STUFF BACK ON. AGAIN NOT FAIR TO ME

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 09/27/2016 about Debt collection (Medical) with AmeriCollect (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company provided services for a medical procedure that they claimed after the fact I owed money that the insurance company did not pay. I did not agree, nor was I aware before receipt of the bill in the mail that this amount was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: We requested credit investigations almost two months ago, and so far, Experian has not sent us any response.

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 03/23/2017 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (FL).
Issue: Credit decision / Underwriting

Complaint: I am representing a foreign national buyer who submitted application and got a CD 2 days prior to closing ( attached ), to a surprising news that the loan was not submitted properly and the Loan Officer fired for questionable procedures. The mortgage company stepped in because saw that the file was already approved and placed a new loan officer to resubmit the documents ( new loan file ) to verify. After all that verification, the file was conditionally approved with 3 requirements ( 1 of them a 24 month reserve for monthly payments with a 30 % down payment commitment from the borrower ). Nowhere the borrower was told about that amount of reserves needed and not one of the papers signed stated the policy. Today a month after the borrower has been in the United States, the Mortgage Company is scaling back to ask for more documents showing clear sign of discrimination to the borrower who has always submitted everything accordingly. In the middle of the delays, the borrower has been spending money and paying taxes which compromises even more her position and now she is at risk of losing the deposit given to the builder. 
The borrower does n't speak english but has done everything in her power to satisfy the multiple requests of the lender who had everything from before but decided to ask again for everything not caring for her time and money spent in this country.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Medical) with Profit Services Group (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Failed to send verification. Very demeaning

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I applied for a primary home mortgage through Wells Fargo in the XXXX of 2014. After reviewing my credit/income information, WF issued me a commitment letter for the purchase of my home dated XXXX/XXXX/2014. It was a 15 year mortgage with 20 % down and a 3.625 % interest rate. Closing was scheduled for some time in XXXX. Just before closing, WF told me that based on the appraisal report, I was required to bring {$500.00} to closing and put siding on XXXX side of the property ( I have never heard of an appraiser requring work to be done on the property ). I objected to the last minute notice and the additional monies I would need. The WF rep told me that I could put 15 % down, pay PMI and a slightly higher interest rate to fund the siding and additional monies required at close. I refused their offer. About a week later, just as I was about to put siding on a house I did not own, WF told me their underwriting unit rejected the loan application because I did not provide suitable comps, even though comps had been submitted to them months ago. Closing was pushed back yet again. Additional comps were provided, but those comps were deemed unsuitable. I was never told why. I then asked WF whether they were rejecting my loan and that I would need a written rejection to get my XXXX security deposit back. They would not respond. I pursued a loan with another lender, and settled within three weeks. A few months later, WF officially rejected my loan due to my credit ( although they had already approved me through a commitment letter ). I believe that the entire process was a scheme designed to suck me in with a great interest rate, and then at the last minute claim I had to come up with more money to close, thereby getting me me to lower my down payment, pay PMI and a higher interest rate. WF 's deceptive sales practices caused me to incur additional moving, storage and living expenses in the amount of $ XXXX. Plus, I paid additional appraisal fees to XXXX lenders ( approx. {$500.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX, XXXX, Equifax all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was incarcerated between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I had opened an account with XXXX a couple of months before I was initially incarcerated, and was caught up on my bills. My aunt had called to have the service disconnected. Now I have a {$450.00} collection on both XXXX and XXXX from Pinnacle Credit Service, who bought the debt from XXXX. The most I should owe is an early termination fee, less than half of what they 're charging me, Pinnacle Credit Service refused to send me any proof that I owe the bills, and said I would need to hire an attorney, and they would send it to my attorney. I disputed it through XXXX, and it was denied, I sent Pinnacle Credit Service proof of my incarceration dates, and have made several phone calls to Pinnacle Credit Service and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with BARCLAYS BANK DELAWARE (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I sent a letter to BARCLAYS BANK DELAWARE letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and BARCLAYS BANK DELAWARE refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. BARCLAYS BANK DELAWARE provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

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 06/16/2016 about Mortgage (Conventional fixed mortgage) with UNITED SECURITY FINANCIAL (UT).
Issue: Settlement process and costs

Complaint: I recently applied for and received a mortgage through United Security Financial Services. In the process my loan was changed from FHA, that 's what the disclosures I have say, to conventional and the interest rate seemed to change weekly. Each time it changed the costs would also change and I never knew what they were and could n't get updated forms from them. The loan process dragged on for months with constant changes and no answers. We finally closed after they made me pay my car lease off but they over paid the loan to XXXX and was told I was just out of luck. Luckily I got the extra money from XXXX back. The other promise was that I was supposed to get my appraisal fee back of which I have never received. The fiasco goes on and on. They sent my doc 's to the wrong notary service to come and have me sign. I do n't know where those documents ended up with all my information in them. They also promised that they would not sell the loan and service it in-house. They have since sold it. I have been told by many people in the industry that the loan was n't handled properly and within compliance. When I told United what I was going to do, they said we love proving that we do everything right and please do file the complaint. Kind of a weird statement to make implying that they have had to do this before. I do n't know what my options are on getting back my appraisal, but I do want to lodge this complaint. 


Thank You XXXX 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 monetary relief
Consumer complaint received 09/14/2017 about Payday loan, title loan, or personal loan (Payday loan) with Activehours (AR).
Issue: Can't contact lender or servicer

Complaint: Bank name : XXXX XXXX Name : XXXX XXXX Issue : there is an application called Activehours and he pays you daily and at the end of each pay period it takes it from your account. My bank is being slow into excepting this but I was wondering if you guys can contact XXXX XXXX XXXX in advised him that this is the situation a monitors my bank statements and my pay periods him and then he pays me daily of a percentage not the full check amount so it actually helps me out because I have daily task that I need to do and I ca n't afford living off two weeks. Active ours is the application I need uses location-based and you have to submit Time sheet to be able to qualify and it 's a long process I was wondering if you guys can contact XXXX XXXX and confirm with them to our knowledge that active hours is a good application thank you so much for your time and effort XXXX my phone number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me with a automated system so I asked who was calling and they would not tell me what or what they do just out sourcing. I have recordings and photos of my caller ID. I would not owe nothing within the last 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with DISCOVER BANK (NM).
Issue: Customer service / Customer relations

Complaint: I have a Discover card account. The bill for this account was allegedly due on XXXX XXXX, 2016. On XXXX XXXX, 2016 between approximately XXXX and XXXX ( MDT ) I received 7 phone calls, one immediately following the other from a Discover representative. I called Discover at approximately XXXX to determine why they had called me multiple times in a row. The representative proceeded to inform me that I had allegedly missed a payment for which I do not recall receiving a bill, and that they were " concerned ''. She then explained to me that Discover has an automated dialing system that initiates these repetitive calls. She then " reassured '' me that the calls would stop if I made a payment over the phone. To my knowledge, this behavior was a blatant violation of the Congressional Act concerning fair practice in debt collection. Additionally, it constitutes harassment under most state criminal codes. Finally, I believe the statement that the continued, automated, repeat phone calls would stop only if I made a payment at that time is grounds for blackmail. Discover Card is a huge, multi-national lending corporation with plenty of regulatory compliance staff at its disposal. Therefore, their behavior was in willful and intentional disregard for the laws established by our federal and state governments. I hope with this information, you can find them accountable for this blatant flouting of the law in order to protect other financial consumers. Obviously, litigation is often not the most effective way to solve problems ; however, if you were to require standing for a cause of action, I was on the phone with them for approximately 30 minutes and my time and skills are worth at least $ XXXX/ hour on the private market. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: We received an advertisement by US. mail from Chase Bank informing us of a lower interest rate and lower monthly mortgage payment. The year was either XXXX or XXXX, I 'm not certain.

Company response to consumer: Closed with explanation