milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I took out several loans from XXXX back in XXXX. I had a substantial amount of debt with Navient / XXXX. After graduating, I was employed but making hardly anything to support myself let alone pay $ 1000+ a month.

After many many attempts of calling them trying to resolve something, I got nowhere with them. They would hang up on me, threaten me to sue me and garnish my wages. I got sarcastic back once and told them I work for my father and that he will pay me under the table. They did n't like that very much. The manager the one time screamed at me telling me I should 've never taken out the money if I could n't afford to pay it back. I told them I had a choice between going to college or flipping burgers, I chose the college way. Down right nasty. The ONLY OPTION THEY GAVE ME was defer my loan for 3 months for {$150.00} and after 3 months, they 'd ask for the full amount. That was my only option available. At the time, I had {$2.00} in my bank account due to a job loss and had no way to eat. There was no way I was going to pay them a cent towards anything. 

After getting nowhere with them, I stopped talking to them. I stopped answering any of their calls. I changed my number and address many times. They sent me many letters and all were ignored. My credit went to the sewers since. I can not even get a car in my own name, can not get an apartment or even a simple appliance from XXXX when my fridge died. Things have been very rough the past decade with money let alone having XXXX credit score.

I suffered for many years with credit issues because of them. I taught myself how to pay with everything with cash. If I do n't have the money, I do n't buy it. They would not work with me. They gave me no choice but to ignore them. I was tired of being yelled at and harassed. If I hit the lottery tomorrow, they still would n't get a cent from me. Stay far away from Navient. They are terrible to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Closing on a mortgage

Complaint: Settlement with Wells Fargo on X/XX/16 - we were required to provide funds to complete the required XXXX repairs and cost to purchase the above property. Wells Fargo applied the unused fund to pay down the loan. We believe that ( {$1000.00} unused ) money should be refunded to us since it was not part of the loan amount. We contacted Wells Fargo numerous times in writing and through many phone conversations. When we were not able to resolve the dispute with Wells Fargo, we contacted U.S. Department of Housing and Urban Development in writing who in turn directed us to contact your department. Hopefully, someone there will be able to help us resolve this dispute.

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 10-01-2015 about Credit reporting () with Flurish Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by FLURISH INC. , XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my mortgage on time. Although the payments are taken out of my checking account immediately, they are not applied to my account for several days. 
On XXXX XXXX, 2015 I received a notice that my mortgage was over XXXX days late. I also had a late fee attached to my XX/XX/XXXX payment. I contacted the company ( LenderLive ) and was told that the money I paid online for my XX/XX/XXXX mortgage payment was applied to a fee that LenderLive was supposed to tell me in XX/XX/XXXX that they believed I owed. I do not owe any fees to LenderLive. I refinance my mortgage with XXXX, fully paid XXXX, and they sold the mortgage to LenderLive. I received a letter from LenderLive in XX/XX/XXXX that my account was in good standing, I pay on time, and yet I suddenly owe over {$1000.00} and not only was the representative unable to tell me exactly what it was for, they reported me as delinquent to the credit reporting agency!!! I now have a credit score dropped by XXXX points because of money I do not owe. I did NOT authorize LenderLive to apply my mortgage payment to whatever it is they applied it to, I do not owe anyone money, I should not have had a late fee applied, and where is the $ XXXX dollars that were not applied?? I paid $ XXXX and they used $ XXXX for unauthorized purposes, did not credit me the remainder AND fraudulently reported me to the credit bureaus!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is in reference to the Equifax hack - according to their online system, I am one of the 148 million affected Americans. A breach of this level is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone stole my credit card info, changed addresses multiple times, made expenses purchases and failed to pay. Credit company never attempted to contact me and charged off bad debt to my credit.

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 06-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: Citi performed what I can only describe as a bait-and-switch. I signed up for a CitiGold checking account at the end of XXXX XXXX using a promotion ( code : XXXX ) that offered XXXX AAdvantage Miles within 90 days of completing the following requirements : perform a bill payment in 2 consecutive months and make {$1000.00} in debit card purchases. I finished meeting those requirements on XXXX XXXX, XXXX and verified with a Citi representative over the phone that I met all of the requirements and would be receiving my miles. Not only did I not receive the miles by XXXX XXXX, XXXX ( 90 days after meeting the requirements ), but now Citi has told me that I was never eligible for the promotion and is ignoring the fact that one of their representatives told me I was eligible and had met the requirements. 

To elaborate, I waited until XXXX XXXX, 2 weeks after the latest date I was supposed to receive the miles, to send a secure message about the issue. At which point an investigation was opened and I was promised a response within 3-5 business days. I contacted Citi through their online chat after 5 days had passed without a response and a second request was placed, this time I was promised a response within 2 business days. After another 5 business days with no response, I contacted Citi over chat again and was this time basically told that I 'd hear back from the investigation when I hear back from the investigation. When I expressed my dissatisfaction I was given a phone number and told it was for the promotional department. The next day I called that number only to discover that it was Citi 's normal customer service number. After going through the prompts I was able to talk to a general customer service representative about the issue and was told she would personally contact the person assigned to my investigation and call me the next day. She did in fact call me the next day, making it the first time Citi ever followed up on their word, and that is when I found out the investigation team in the promotional department denied my claim while citing that I was never targeted for the promotion. 

So, in short, Citi baited me into signing up for a CitiGold account with a promotion, charged me {$30.00} a month in fees for the pleasure of dealing with their abysmal service, and then made up an excuse to deny me the bonus I earned through the promotion. After some research it is clear that Citi regularly defrauds their customers with these account bonuses. This is completely unacceptable and will not be tolerated.

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 03/20/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was cheated on my education at XXXX XXXX, they did not explain how much I would be in debt from my loans. They do not tell you exactly about who and what they are signing you up to for loans, they just want your signature and get their money. The education they gave me was not worth the time or money they described in the recruitment. The materials were not up to date. A lot of times classes were canceled or textbooks were out of date. Many teachers were not qualified in the classed they were teaching.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: After telling them to stop allowing XXXX load company to stop ACH withdraws and electronic billing withdraws. They continued to allow the company to withdraw from my checking account when they did not have authorization. Causing my account to overdraft from the unauthorized withdraws. Capital one 360 told me XXXX times that they would send an affidavit in XXXX days to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (ME).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer has changed a number of times. In the most recent changes, prior to the latest change, the automatic payment continued without my intervention. However, last XXXX ( 2014 ) when the loan was transferred from XXXX to Nationstar, the payments did not continue. I received a notice from XXXX stating that " payments received after XXXX XXXX, 2014 will be forwarded to Nationstar. '' I therefore thought that my automatic payments would continue. However, on the next line it said that " ACH arrangements will be discontinued effective XXXX XXXX, 2014. '' More than XXXX months later I got a call from Nationstar asking why I was n't paying my mortgage. I was shocked and immediately paid the outstanding balance and setup automatic payments once again. A short time later I tried to refinance this loan, but was denied. My credit rating was low because of the incident described above. Prior to this my credit rating was fine. I have always paid my mortgage and other bills on time. I spoke to a representative at my local credit union and she said that " ACH arrangements '' is a term that she and others in the industry would understand, but that a homeowner would not. I did not know what it meant.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: never i got possesion on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A court judgement was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and also it was reported that the judgment was against me whereas it was for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid  XXXX   XXXX   XXXX  directly so diversified collections needs to delete their reporting from the credit bureaus . Diversified said they submitted documents for the CB 's to delete but  XXXX  and  XXXX  are still reporting the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a summons to go to court. 
I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. 
I have lived in my home for almost 10 years. 
I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have XXXX minor children and my husband is a military veteran in the process of applying for XXXX. I told them i could pay {$10.00} until i get back on my feet and they said no that they would not accept that. 
I dont understand XXXX well and my husband was not with me in court. They tricked me and said the only thing i could do is agree to a consent to a judgment which i didnt even understand what that was until i searched it in the internet. 
They tricked me just because i was scared. Now my home will have a lien on it because they didnt tell me what a judgment was, they just made me sign my name and told me that was the only thing i could do. I do not agree with this judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I receive regular automated start calls from several numbers with representatives stating so quickly where they are from that I ca n't understand them. They ask for " the long name '' on my drivers license which I do n't use any where else or for any credit. I am current on all medical bills and credit cards and have received no late payment notifications but they will not quit calling. When I asked what they were calling in reference to as I had no notification by any creditors, the woman became instantly aggressive and rude. I have blocked these numbers but am sick to death of the contact. While it 's possible that this regards some ancient debt that was settled, I ca n't get information from them without diving into a possible scam and they are calling my work cell over and over. Phone # s include : XXXX, XXXX ( which I do n't get at all ) and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I ended up having an oversight on my due date for my citi card as I thought the payment was already scheduled. when I logged in to ctii credit card online portal two days after ( XX/XX/XXXX ) the fact of the payment due date ( XX/XX/XXXX ) I noticed that no payment was posted. I reviewed the history and immediately scheduled payment for that day ( XX/XX/XXXX ). The system had not assessed any late fees and once the payment was scheduled the system credited my balance immediately. I logged in today ( XX/XX/XXXX ) to see some other details and long and behold citi had assessed me a late fee the same day I posted payment ( XX/XX/XXXX ). Usually all my credit cards including the others I have with citi will assessed a late fee on late payments the following date after the missed due date. Citi did not assess the late fee only after I myself reminded their system that I was late by scheduling payment through their portal. In other words if I would have made payment using a third party the system would have not triggered to assess late fee two days after the fact of payment being late. i contacted XXXX from citi chat system and she kind of understood. She explained that she tried submitting a waiver and that Citi denied it. I told her it was not correct because even after i tried to correct the issue I still get penalized by citi, citi dropped the ball the day after the missed due date, now they 're trying to penalize me bc I tried correcting my oversight.

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 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BMO HARRIS BANK NATIONAL ASSOCIATION (TX).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: In XX/XX/XXXX I purchased a service from XXXX with an automatic renewal three  years later - XX/XX/XXXX. The purchase in XX/XX/XXXX was charged to my XXXX XXXX XXXX. I cancelled the XXXX XXXX XXXX in writing in XX/XX/XXXX. I stopped using XXXX some short time after the renewal and forgot about it. In XX/XX/XXXX I received a bill for {$170.00} for a renewal of XXXX from XXXX XXXX. This was the first bill I had received from XXXX XXXX since I closed the card. 

I called the dispute department at XXXX XXXX and found out that my account had been left open because the terms of the agreement with XXXX were for an automatic renewal. I have spoken to XXXX and they may refund my money. I am writing this complaint to you because : 1. I do n't think that companies should allow charges to be made to credit cards that have been closed.

2. I think that companies who have automatic renewals directed to a credit card that has been closed should be obligated to get a new open credit card from the consumer before any charges can be made. 

The scenario that I have discribed above could go on and on. The customer could discontinue use of a service, move, never receive the bill from the closed credit card and accumulate charges that are unfair.

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 02-08-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I financed a mobilehome approximately in XXXX. My first wife left me, and took a large amount of money from my bank account. I was unable to continue paying on the MH. It was repossessed, and I thought it was all settled. Just a week ago XXXX XXXX XXXX XXXX, I received a XXXX for the cancellation of this debt, which by the way is far beyond the ( 6 years ) statute of limitations in Virginia. It would seem to me that Ditech, who must taken over Greentree Lending, should have legally filed a XXXX after the 6 years, which would have been approximately in XXXX. But they did not. They seemed to have waited 12 additional years. In XXXX I was insolvent, and I would have been unable to repay the debt, and a XXXX would not have been so intimidating. However, now it is. I would like to know why they waited over 12 years to send me a XXXX? I 'm sure the XXXX would like to know as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Medical debt) with Frost-Arnett Company (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, XXXX Frost Arnett I filed a complaint again your company with The BBB and with my credit repair company to validate three amounts of {$620.00} for a total of XXXX. One you never responded to my BBB complaint however more than 60 day later you send me a letter dated XXXX XXXX that you can not validate such debt and will no longer attempt to collect. XXXX XXXX, I receive a 2nd letter from you with some paper stating that you have verified such debt by sending copies a bill from some emergency room that I never been to. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. You not validated a anything and I consider this to be fraud and will contact attorney General office and FTC. The various names on these documents false! 2 I have insurance the company name of this paper work is FRAUD! 3 I have never been to a XXXX XXXX XXXX, I have insurance and a primary care doctor so this false paperwork is fraud! All these will be forwarded to my family attorney any attempts to report this fraud to any of the three credit reporting agencies will result in legal action. XXXX XXXX XXXX

Company response to consumer: Closed with explanation