milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have a student loan from XXXX XXXX from XXXX, School : XXXX XXXX XXXX, XXXX PA. XXXX XXXX is no longer in business and my loan is now serviced by NAVIENT . In XXXX of XXXX I contacted Navient because I was having trouble making my loan payment. The first thing they did was ask me if I wanted to make a payment that was very high, I believe around {$200.00} which was significantly higher than my regular payment. When I explained the situation, I was offered one or two choices, a brief deferment or a new program, income based repayment. I was not told I had any other options. I was placed in the income based repayment program, ( REPAYE ) program as of XX/XX/XXXX. After being in the program for several months I was made aware that at the time I accepted the program they offered, I was qualified for hundreds of other programs, including loan forgiveness AT THAT TIME. Navient did not disclose this to me and stuck me in a program that has reset my 20 year forgiveness date to zero, which means the loan amount will continue to accrue interest and will be XXXX years old when I am eligible for loan forgiveness again, so for a student loan from XXXX, I will now be eligible for loan forgiveness in XX/XX/XXXXwith XXXX knows how much more accrued interest. If this is n't a crime, it should be. When I called regarding my discovery, I was told I was no longer eligible for loan forgiveness because I " chose '' the income based repayment program and my 20 years were now reset to another 20 years. I was also told, " We were n't required to tell you that you were eligible for loan forgiveness. '' If this is not a crime, it should be. Navient has grossly deceitful and probably unlawful business practices in place. I should have been made aware of all of my options, especially the ones that were most beneficial to me as the debtor who has never defaulted on my loan and continue to repay my student loan in good faith to the best of my ability for 22 years and counting. The fact that the original loan amount was {$6000.00} and is now almost {$19000.00} is criminal and compounded by Navients ' failure to disclose my options other than the ones most beneficial to them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: I am very devastated of the way Wells Fargo keeps prolonging my case so my sale date for XX/XX/2017 will not get cancel on time, I have provided all the required documents and Wells Fargo agent just keeps telling me that my packet is with the re-entry team and they are going to finish the review soon. However I have done this process for almost XXXX years and I know it does not take long to have an agent assign to my case, my file has been under review by the re-entry team for over XXXX weeks basically almost a month. I am sure that Wells Fargo intentions are to foreclose my home. I have explain to them my source of income and have provided enough proof. Please question Wells Fargo intentions I do not want to end up homeless. It has being a very stressful year due to my divorce and losing my job shortly after. My intentions are to keep my house and become current once again.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Portfolio Recovery Associates is reporting inaccurate information on my credit reports. 
It shows Account Status as 'Closed ' for an open account and also call themselves a " Factoring Company '' instead of a 'Debt Buyer '. 
Amount on the account is {$2600.00}. 
I have attached a document as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed bankruptcy in XX/XX/XXXX, the case was refiled to include all creditors old and new, my bankruptcy was discharged XX/XX/XXXX that included Capital One Bank. I contacted Capital One Bank who stated they are not reporting anything negative and according to their records my balance is XXXX. A collection company stated they brought the account from Capital One and now reporting that I owe them XXXX on my report for an account that was opened XX/XX/XXXX. I don't have an account with XXXX XXXX or any contracts with them to report I owe them XXXX. I don't have an account that was open with XXXX or Capital One Bank XX/XX/XXXX. Capital One shows only on XXXX with a XXXX   closed account balance. 
account was open over 5 years ago. The information of having a Capital One account XX/XX/XXXX is false information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (MA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hi there, I am currently seeking advice or assistance with my financial situation. This is how it happened. On XXXX XXXX, when I initiated a Chase Quickpay transaction to send money to my friend ( her name is XXXX XXXX ) via her phone number. For some reasons, the phone number I entered is correct but it was registered under a previous owner 's XXXX XXXX XXXXXXXX checking account. My friend did receive a text confirmed that the money will be credited to her account in the next few days. However, when my friend called XXXX XXXX XXXX customer service they told her that the even though her phone number was registered under another customer 's bank account and the money already credited into that customer 's account. 
Then I initiated a claim to Chase Quickpay transaction and Chase followed up within a week told me that. The person who received my money by accidentally do not want to return the money back at all. I was wondering if there is a way to get back that money. Please kindly assist with this financial situation, that money was a big amount of my saving. I really appreciate it if you take a closer look at this or guide me to the right legal assistance with this issue. Thanks in advance. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my annual credit report from XXXX, but all it said after I filled in my information was the vague : " A condition exists that prevents Experian from being able to accept your request at this time. '' A web search shows that a number of other people have encountered this as well. I 'm not sure whether I should even bother trying phone or mail, since the error message does n't say whether the error is temporary. 

I also tried to contact them on their contact form, and that was difficult since their form rejects line breaks and most punctuation, then kicks you out after XXXX tries!

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 09-08-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/XXXX I received an alert from my credit report stating that a collection was placed on my credit file. I called the hospital that I went to XXXX XXXX Hospital and asked about my bill because I have never received it. I totally forgot about it, it had been so long. They informed me that it was never sent out and that they were going to send it out today ( X/X/17 ) and that there was a financial assistance form attached to it. They were great. I was not aware that I had several bills coming from the hospital, I never received any other bills, no phone calls nor any messages. There is a possibility that it could have gone to a neighbors house with the exact same address as mine but their address is Pass and mine is Court, which happens all the time, they always send it back to the post office. Now to the complaint, I called XXXX ( original ) and Transworld Systems , Inc. ( collections ) to inform them that I did not receive a bill because if I did and believed it belonged to me I would have made some type of payment arrangements. I value my credit so there was no way that I would have ignored it. I have requested a breakdown of what the bill ( an itemized bill ) to see what the charges were for. I was informed by XXXX that they could not provide me with an itemized bill nor could they call me and leave a message concerning this debt. I was very upset about this and talked loudly but not fowl but after being lied to and so inconveniently hung up on. My last calls I did let them have a piece of my mind and asked them to make sure that they were still recording. My issue is, there were no attempts made to contact me other than them claiming to have sent me letters ... no calls? no messages? Heck 1 voicemail message would have gotten my attention. I have contacted an attorney to take them to small claims court if by all means the debt is mine I will pay it but they should have never placed this on my credit report. I never knew of this bill. XXXX XXXX Hospital is sending me a financial assistant letter along with a copy of the bill that I never received and admitted that they never sent one out. But XXXX  whom I never heard of is the one that hired Transworld Systems, Inc. Neither one has contacted me and both claimed to have sent letters. Transworld Systems , Inc. claimed that they did not have my phone number and had my husbands number but stated that when they called me " I told them not to call me '' so if you did n't have my number to leave a message how did I tell you not to call me???? they have never contacted me not once so I knew nothing of this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 'm bothered by the fact that Experian sent me an updated letter stating you had verified this inaccurate repossession account. What happened to the new and relevant information I sent to your company, which proved this account is inaccurate? Did you pass this information on to the furnisher during your investigation? I 'm starting get upset and frustrated at the way your company is handling my complaint. I did what you said but you sent me another letter stating that it was verified. I 'm starting to feel really stressed. 

I really do n't want to file complaints but it seems that I do n't have a choice at this point. 

I believe you use a system called XXXX to handle investigations. Please do not rely on this system because it 's not 100 % accurate. I see that there is a lot of data on the net about this XXXX system. We are real people and not just numbers, ok. I have feelings too, and this affects I ca n't get approved for a home. 

From my research on the FTC web site, you ca n't parrot information from the creditor and collection agencies. You must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA. Please do a new investigation on the following repossession account. 



If you choose not to act, I will have no choice but to file more complaints and seek legal advice from an FCRA attorney.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have many inquiries on my credit report from XXXX, XXXX, and Experian. I already submitted a dispute with Experian. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my 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 05/15/2015 about Credit card () with WELLS FARGO & COMPANY (AL).
Issue: Credit determination

Complaint: denied Secured Card

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (NY).
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: Honda has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. Honda deliberation audio evidence is available for review and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Medical) with Receivable Solutions, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated monthly Reports of negative collection of medical debt on credit report that is not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company keeps calling and leaving voicemails even though I blocked the number they called from. This is done at least 3 times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XX/XX/2017 I had called about my student loan payments inquiring why they were taking {$79.00} one day of the month and XXXX $ another day. I was discussing with them my financial situation ( in terms of I want a one month payment possibly lower than the {$180.00} ) and the " loan professional '' suggested income drive based payment plan, which honestly sounded good since I was paying {$180.00} a month and I had recently lost my job. So they explained its based off the income NEVER that I was going to pay NOTHING towards my principal for almost a year. I am beyond myself, how could they not tell you " hey by the way you are only going to be paying interest are you sure you want to do this? '' I opted for auto debit therefore not looking at the breakdown until I did my taxes this year. I don't understand how they can suggest something like this when they are supposed to be helping my debt situation not making it worse. I requested a lower interest rate considering I wasted almost a year at paying interest only ( not even XXXX $ towards the principal ). How is that even a thing? I should have known better they these people are snakes but they do not teach you this stuff in high school, which is sad because hard working people like me get taken advantage of. Super frustrating and honestly sad.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: My name is XXXX XXXX XXXX, but I was XXXX XXXX in high school which I never graduated from XXXX. I since have had my XXXX change at XXXX I 'm now XXXX, I still never got my highschool degree nor GED and I 'm being harrashed about paying this back

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We have contacted the lender several times to refinance this balloon mortgage. We have never made a late payment. The interest rate is over 12 % and unreasonable. This is a XXXX mortgage, without help from the Lender, we have no chance of paying off the loan or keeping our home. 

We have been denied help from anyone at the company and told not their problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I moved a year ago and obtained a new XXXX and XXXX mortgage. Trans Union is still reporting my old address and has n't reported my new mortgages. These items are affecting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Struggling to pay mortgage

Complaint: I am writing this hoping you can do something to keep a retired widow in her home. I was initially given a loan with Wells Fargo with too high of an interest rate, leaving me with a monthly payment that is impossible to afford. I am on a fixed income. 
When my husband passed away I contacted Wells Fargo about the monthly payment. They gave me a list of documents to provide them, which would always get lost, or would never be processed. This cycle happened over and over again, while I continued to get behind. When I called for help I would be transferred from one department to another and couldnt get even the simplest questions answered. 
The only help Ive been offered at this point is the advice I should leave my house and let them repossess it! Where would I go?

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 01-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My name is XXXX XXXX and I have been a Bank of America XXXX member for over 10 years. 
I am submitting a request to rescind partial payment in the quantity of {$1100.00} for a transaction placed on XXXX XXXX, 2016. Bank of America has refused to pursue this dispute. I have submitted complaints and refund requests twice to Bank of America. None of my notes were included in my complaints or requests. I was not able to upload information to my dispute file that could have helped transaction agents decide upon this issue. 

This transaction was for XXXX XXXX treatment with XXXX XXXX XXXX, an online XXXX practice headquartered in XXXX, TN. The company takes your XXXX molds and creates XXXX aligner trays to  straighten teeth. Like braces, XXXX treatments are slow and take several months as teeth are slow to move. 

XXXX XXXX XXXX did not inform me that my case was outside of XXXX 's treatment specifications at any point prior to the end of my treatment. I was not informed during my pre-enrollment, my case approval, initial treatment, or any of the refinements that my case could be outside the scope of their treatment. I was informed after 1 year of treatment- leaving me without any recourse of monetary recovery or dispute coverage from my bank. 
Because of XXXX XXXX XXXX treatment plan, I went to a local XXXX for a diagnosis. My XXXX reported that XXXXs plan has caused XXXX damage, pain, and XXXX  erosion which needs to be treated. None of these complaints have been acknowledged or pursued by the company. 

I am not the only patient that has experienced issues and asked for refunds from this company. Several complaints have been issued by the Better Business Bureau ( BBB ).  There are complaints about communication and quality of service all over XXXX and their homepage on social media. 


I would like Bank of America to pursue the transaction dispute against this company. I feel taken advantage of by both Bank of America AND XXXX XXXX XXXX. I would have hoped that Bank of America would protect us customers. Sadly, I feel that this bank has not done so.

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 10/16/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: AUTOMATIC STAY LIFTED BY FRAUD They violated the " NOTE '' XXXX and committed a felony by perjury in the Bankruptcy Court in XXXX CA. XXXX - Contact with the mortgagor. 
XXXX Contact with the mortgagor. 
XXXX The mortgagee must have a face-to-face interview with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. If default occurs in a repayment plan arranged other than during a personal interview, the mortgagee must have a face-to-face meeting with the mortgagor, or make a reasonable attempt to arrange such a meeting within 30 days after such default and at least 30 days before foreclosure is commenced. 

( 2 ) The mortgagee must also : ( i ) Inform the mortgagor that HUD will make information regarding the status and payment history of the mortgagor 's loan available to local credit bureaus and prospective creditors ; ( ii ) Inform the mortgagor of other available assistance, if any ; ( iii ) Inform the mortgagor of the names and addresses of HUD officials to whom further communications may be addressed. 
WHEN I CHANGED MY BK CH XXXX TO A CH XXXX NATIONSTAR FILED A MOTION TO HAVE THE AUTOMATIC STAY LIFTED ON THE GROUNDS OF ME BEING 10 PAYMENTS BEHIND. 
I am looking to prosecute for the intentional, deliberate and misleading behavior. They should by no means get away with this. At the time of this violation I did everything required. They always claimed that I never submitted all required document. I have proof to show different. I have submitted complaints and not one time was directly answered.

Company response to consumer: Closed with explanation