milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Navient has harassed me with 3 or more calls per day for months on end. I spoke with them and they did not have a repayment plan that I could afford. The minimum payment each month would not cover the interest that accrues each month. 

So I have begged them to give me some guidance on what to do. They have not helped me understand how my loans work and have refused to look up my past forbearance 's in order to give me a breakdown of how interest accrues on my account. I have gone on forbearance multiple times since graduating college. When I first went on forbearance I was told I was going on deferment, but they put me on forbearance. 

Every time they put me on forbearance it happens over the phone in a quick conversation without explaining how any of it works. 

The second or third time I went on forbearance I received a letter saying {$1700.00} had been added to the principle in interest - In one day, just because I agreed to forbearance. 

I have requested an explanation of how my interest has accrued over the past few years, because it is not easy to understand and is not transparent. I paid about {$8000.00} off my first two years out of college, but I think they applied all those payments to the interest free loans that I had so they could keep charging interest on the other ones. 

Last time I spoke with a Navient Representative he refused to look up any information regarding my past payments and interest accruements on my loans. He told me he would mail me a " Huge Document that explains everything '' but they never did. 

They harass their borrowers with 3-6 calls per day, every day, until they convince you to go on forbearance with no explanation of what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have had to repeatedly submit formal notice and demands in accordance with FCRA for Equifax to remove the fraud alert from my credit report. They have repeatedly purported that " no fraud alert currently appears '' on my credit report. And then when I access my credit report again, the fraud alert ( " EXTENDED FRAUD ALERT '' ) is conspicuously appearing at the beginning of my report. I reckon that 's their angle : to remove it from consumer view temporarily and tell me that it 's not " currently '' appearing ... and then reinsert the fraud alert. This has occurred now well over XXXX times. They can no longer make a claim of negligence. This is willful, and it has caused me irreparable harm. It needs to be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (SC).
Issue: Settlement process and costs

Complaint: This is a continuation of my previous complaint # XXXX. I 'm still requesting that my name be changed to my correct and legal name on my deed initiated by New Penn Financial XXXX XXXX XXXX. All of their supporting identification, which includes my driver 's license and marriage license, states that my name is XXXX XXXX XXXX not XXXX XXXX XXXX, as was reported. They promised to make this correction and never did. There has never been nor will there be any driver 's license, social security card, or other means of identification stating that my name changed at any point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted this company and ask them for proper verification of two accounts on my credit profile one with a balance of $ {$430.00} and one with a balance of {$1000.00} ; this company never sent me a letter and asked me to verify that this debt belongs to me instead they sent me a letter stating that the original creditors verified to them that the name and address is correct, as per the fair credit reporting act section 609 proper proof is hereby requested in the form of the original agreement bearing my signature and Ive yet to receive it ... none of the two balances in the possession of this company belongs to me its been over 60 days since I contacted these collectors,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Loan modification,collection,foreclosure

Complaint: We have what seems to be a unique situation. Due to a serious medical issue we got behind on our mortgage and exhausted much of our savings. My husband and I are over XXXX. I am XXXX and he is XXXX. We decided to pursue a reverse mortgage and were approved ; however, the reverse mortgage is less than the principle balance, accrued interest, penalties and fees. We have asked Bank of America to accept the reverse mortgage and we can bring approximately {$10000.00} cash to closing to cover the principle. We provided all of the HAMP documentation to their liking and they are telling us that they can not take a settlement. They also tell us that if we were asking for a short sale they would be able to do this. This does not make sense because if they foreclose and do a short sale they will get less than if they accept our proposal. Is there anything you can do to help us? We have until XXXX to get this closed otherwise the reverse mortgage will expire and with the new rules the XXXX, XXXX, has told us that we will not qualify.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I chose to pursue my  XXXX  and  XXXX  education in NYS, and then chose to work in jobs that serve our  XXXX  and   XXXX   XXXX   ( 501 ( c ) ( 3 ) ). In pursuing my degrees, I had to apply for federal student loans, originally through   XXXX   XXXX  , then Navient took over. Over the course of time, I was advised to consolidate my loans ( into two accounts : subsidized and unsubsidized ), During this time, and over repeated verbal contact, I repeatedly asked and continuously affirmed ( verbally via phone ) that the payment statuses and consolidated payments I made were applicable toward the Public Service Loan Forgiveness Program. Now I 'm told that the statuses and payments I 've made, during service to the communities I 've faithfully served, do n't count. I 've documented my contact with Navient, who of course, subsequently deny their representatives ' statements and I assume they 've omitted such documentation from their records. As an info systems professional, I 'm not surprised they think their denial is incontrovertible, yet they acknowledged employing people I identified during the time frame I describe below : For example, Navient employees advised, on or about ( includes, but not limited to  ) :  XX/XX/XXXX   : I was advised that none of my payments were applicable ; they apologized because this was a common complaint and they would only offer to " retrain/re-advise '' their employees as to how to advise customers.
  XX/XX/XXXX  :  per  XXXX  - advised me that income sensitive repayments were applicable to public service loan agreement .  XX/XX/XXXX   : per  XXXX  - advised me that income sensitive repayments were applicable to public service loan agreement.
As stated, I did my due diligence, in good faith, and was repeatedly advised and understood that from the inception of the public service forgiveness program until   XX/XX/XXXX  that all my payments/payment status were eligible and applied toward the public service loan forgiveness program. On  XX/XX/XXXX  I reach ed out to an agency representing the public service loan forgiveness pr ogram, MyFedLoan.org, and was advised that my status and all the payments that I 've made on my consolidated loans are no t eligible for the program. A follow up call to Navient resulted in one of their supervisors acknowledging the error, confirming that I 've been " misinformed '' all these years, apologizing, and stating there was nothing they can do but advise their employees to provide the correct information from this point forward. Their recommendation was for me to re-consolidate and restart the 120 payment ( 10 year ) from scratch. Combined loans excee d   XXXX   XXXX  . To date, I  continue to dedicate myself to public service, particularly and proudly serving those who are " Always Ready Always There, '' who are often most likely to deploy to defend us all.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NC).
Issue: Other service problem

Complaint: coinbase.com support department is non-existent. Tickets go unanswered. I opened a ticket on XXXX 05, 2017 XXXX PDT ( case XXXX ) which has yet to receive a response. I am locked out of my account and am unable to access funds within the account or even verify that the funds are still there. I have emailed support multiple times, attempted to verify with several different legal forms of identification via the coinbase.com site automated verification process to no avail. Their customer service is very lacking and I would urge individuals to chose to do business with other reputable companies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Medical debt) with ABSOLUTE CREDIT  LLC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This account should be deleted because it still reads amount due is " unpaid ''. This debt was paid in full on XX/XX/2018.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Taking out the loan or lease

Complaint: XX/XX/XXXX I 'm disputing Navy Federal Credit Union 's ( NFCU ) response in denying an interest rate reduction for my VISA Go-Rewards card. As I previously indicated - I 've been a NFCU member since XX/XX/XXXX. They indicated that their denial was based on their review of my current and past credit history with them. I 've had mortgage loans with NFCU since XX/XX/XXXX and have never made a late mortgage payment and never defaulted on a NFCU loan. Over the years I 've paid off credit cards, car loans and other personal loans with NFCU without late payments. I did not want to pull this card, but I 'm XXXX and NFCU knows this. Over the years I 've had to appeal and dispute loan and mortgage denials from NFCU. In XXXX XXXX, my husband obtained a car loan for a XXXX XXXX XXXX with an interest rate of 1.99 percent. After the car loan we attempted get a lower interest rate or consolidation loan for our credit cards but was denied unless we used the XXXX car as collateral. My husband and I agreed to use the car to secure the consolidation loan which also included the car loan amount and was promised in XX/XX/XXXX by XXXX XXXX ( NFCU representative, XXXX, ext XXXX ) that the interest rate would remain 1.99 percent. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX, Assistant Manager ( NFCU representative, XXXX, ext. XXXX ) and he said that he could only give us an interest rate of 5.5 percent for the consolidation loan - not the 1.99 percent that was originally promised. We have been paying the consolidation loan since XX/XX/XXXX and have never made a late payment. I worked for a short time for NFCU XX/XX/XXXX and found that they had a bias in the lending practices with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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 have been in an ongoing dispute with Transunion, XXXX XXXX and now XXXX XXXX. the initial problem started when XXXX XXXX reported me as 30 days late, which I was not. Transunion lowered my score by 32 points. I contacted XXXX XXXX and was only referred to Transunion and to date I have nothing. Now XX/XX/2017 I have another battle with XXXX XXXX over a misapplied payment and Transunion lowered my score by 45 points. This is a scam and Transunion should not be allowed to get away with it. I simply do not understand how my score can be lowered by so much for a missed payment but when my payments are made on time I barely get 5 points. I need to see the scale that is being used becuase I feel scammed. I can never get anywhere with transunion. Their customer service is horrible.

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 06-06-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid  XXXX  directly and by law,  XXXX  recalled the account from Convergent. Convergent has no legal reason to report on my credit report. Convergent must delete.

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 04-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: From My bank account they took money from several ATMs and made several purcharses, their are not mine and the bank does not to make responsible. I put the claim but the bank is not responsible, I have as prove that I did not take that money. Can you help 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 explanation
Consumer complaint received 12/29/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I have purchased XXXX from a vendor on XXXX/XXXX/2016. They invoiced me for {$1700.00}. 
I complained that the amount was incorrect. The vendor duly revised down the charge to {$1500.00}. 
But while the above were being discussed, both amounts were already charged to my credit card in inadvertent sequence. I was therefore charged twice for my purchase. 
I contacted my vendor about this charging problem on XXXX/XXXX/2016. The vendor had gone through their books, and responded to me on XXXX - with a copy of their ledger statement, that they had already refunded the amount {$1700.00} back to my credit card at the time of our transaction. 
I reported this case to the card company on XXXX with full explanations of the details, as well as providing a copy of the vendor 's contact information and ledger statement. 
Despite my repeated requests of them to give me back the credit amount that my vendor has refunded through my credit card, but never showed up in my statement, they have only given me repeated perfunctory acknowledgements, and provided no response of any substance or reference to the contents of my case whatsoever. 
Based on the above scenario, the card company has therefore been stalling and ignoring my request all this time on their responsibility towards my rights as a consumer, and has in fact unlawfully confiscated {$1700.00} of my credit money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: ASC/Wells Fargo, kept part of my escrow monies, when it sold or transfer my mortgage to XXXX. The new lender wants to increase my monthly payment, because it claims that I do have a escrow shortage.

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 07-05-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Paid student loans to Sallie Mae ( I 'm co-signer for my son ) - XXXX separate loans beginning XX/XX/XXXX. XXXX began XX/XX/XXXX when I paid the installment payments for the the XXXX loans through my banks bill pay system. Sallie Mae lost XXXX of the checks and asked that the bank send photo copies of issued checks to which my bank said it was unable. Sallie Mae requested the checks be voided and reissued. To avoid the problem repeating itself ( lost checks ) I submitted payment electronically in one lump sum for the XXXX loans whose payments were lost. Between the XXXX check for XXXX of the loans they did receive and the lump sum electronic debit for the XXXX loans whose checks were lost, Sallie Mae applied incorrect amounts to the loans. So they applied larger payment to loan requiring smaller payment and applied the smaller payment to the loan requiring the larger payment. Consequently, XXXX loan shows that I 'm behind and the other that I 'm ahead. I 've have spent hours - approximately over 7 hours with countless customer service reps - each time having to hear how I 'm late and need to pay and no nothing about my situation. I was required to send copies of my bank statements to prove I had paid. I have visited with managers who say that they can not redirect already allocated payments. I continue to receive emails saying my account is past due when it is not. It has been over 3 months now and it is still not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had an account that was deleted on XXXX XXXX from XXXX XXXX and reinserted on XXXX.And it was removed on Experian on XXXX XXXX and then reinserted on XXXX XXXX. I never received any notification that it was being reinserted from either bureau and there was no reason for it to be reinserted. Per the FCRA laws I am to be given a 5 day notification and I wasnt .I have at this point contacted an attorney and will go forward with a law suit if not removed and hopefully with your help it will be removed again finally. 
I want the account re-removed because they have failed to follow the law 1681 a 5 a of the FCRA 611 5b.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: My complaint is against the Chase bank who handles my XXXX credit card account. 
I called Chase to request for XXXX XXXX XXXX reference numbers of XXXX chargeback reversals totaling {$490.00} to a merchant 's bank and they are unable to provide them to me. They said there are no XXXX numbers provided. My merchant 's bank informed me that the XXXX numbers and dates are the standard protocols for XXXX transactions. Without these numbers and dates, the bank will not release the funds either to me or my merchant. I also wrote a letter to the Chase dispute department and my issue was not addressed, but stated that my funds were returned to the merchant 's bank. I called the Chase customer service specialist, XXXX XXXX XXXX, who was not available, but had his message answering recording, which I left several messages for him to call me, but he never did call me. Any assistance you can provide to resolve this case is most appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: I filed bankruptcy on XXXX XXXX XXXX to protect my house and Wells Fargo Bank foreclosed on XXXX XXXX XXXX and even though I filed bankruptcy they did not stop their activity and went ahead and filed foreclosure on the house on XXXX XXXX XXXX. Wells Fargo 's bank Attorney XXXX XXXX XXXX, whose bar number is XXXX, even though I have a cash buyer for the house XXXX XXXX XXXX who is XXXX XXXX XXXX XXXX denies the cash buyer. They denied the cash buyer, this man is very heartless man. He was still going to court during the bankruptcy, filing motions, doing all the stuff that he was was n't supposed to do even though when a bankruptcy file is in process, all activity should stop and he did not stop. The chapter XXXX case number is XXXX. The property address is XXXX XXXX XXXX court, XXXX XXXX, Florida XXXX. I would like to see justice for what wells Fargo bank has done. Wells Fargo bank number is XXXX XXXX XXXX XXXX. My name is XXXX XXXX and XXXX XXXX is my husband who filed the bankruptcy.

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 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Upon review of my credit report, I have noticed a {$220.00} charge from this company. The report states that it is a utility bill and the original debtor is XXXX. XXXX has been my current provider for two years. I have received no written/verbal notification of this debt. Furthermore, I have never had to pay a deposit to attain services. 
I have contacted XXXX two times regarding the account. The representative from the billing could not find the account on the XXXX databases, despite having my social security number. He verbalized the account number granted by me from Trident was invalid. 
During my last contact, the Supervisor recommended to report the debt as fraudulent. 
Post review of my bank statements, the original account number provided by Trident is not my XXXX account number and is too short. 
I have contacted the company numerous times and their method is to attain information from me, such as my address and social security number for validation. This is a fraudulent account and it negatively affecting my credit. Furthermore, I am very concerned with the number of review on the internet that mirror my complaint. 
Please note all correspondences regarding this account will be forwarded to the XXXX Office of Attorney General and the office of XXXX.

Company response to consumer: Closed with non-monetary relief