milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I agreed to set my account on " autopay '' for Navient to debit {$230.00} per month from my checking/debit account. On XXXX XXXX, XXXX, Navient debited {$480.00} from my account which is {$250.00} more than I agreed to pay monthly. They debited more than double the amount authorized without informing me of the increase. When I spoke to a customer service representative, she said that I received information about a graduated repayment plan in XXXX - yes, XXXX. That is 2 years ago. Since that time, my account repayment has been renegotiated on a couple different occasions, and no one informed me of the increase. The customer service rep told me that I received an electronic notification in XXXX XXXX that my payment would increase. I did not receive that correspondence. Even if the payment amount went up due to a graduated repayment plan, I NEVER authorized this company to debit more than {$230.00} from my account in writing, on a voice recording, by email, text, or any other method of correspondence. Even if they increased my payment amount, they should have billed me for any remaining amount higher than {$230.00} so I could either pay on my own accord or contact their auto-pay department to AUTHORIZE Navient to debit my bank account for a higher amount than what was agreed upon. In addition to filing this complaint with CFPB, I am also going to my bank to make sure this company can never automatically debit any amount of money from my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX received my first request for debt validation as I do not recognize said debt. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX first response letter. XXXX failed to provide request information or anything that proves I owe said debt and only provided name, last XXXX of XXXX, debt amount, date account was opened, original creditor name and address. 
. 
XXXX/XXXX/XXXX XXXX receive my second request for proper debt validation, highlighting previously requested information that was not provided. 

XXXX/XXXX/XXXX Received XXXX second copy of bill originally received XXXX/XXXX/XXXX, still not providing requested information or anything proving I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I want loan discharged 100 % because the school I went to, XXXX XXXX College was not accredited. Also I could not complete school due to medical issues.I want loan from Navient taken off my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: After several different loans over several years, I am over the 15 day grace period on a payment for XX/XX/XXXX due to the holidays ( after 14+ months of solid payment history ). After this grace period, I started getting between 4-7 robo calls from the XXXX XXXX XXXX, every day, leaving no messages. When I do answer, no one is on the other line, only a message stating 'No one is available to take your call, please hold ' and then I am on hold for 5-10 minutes. I have asked to be removed from this automatic dialer, but was told without a promise to pay, even with my good payment history, I would have to endure the automatic dialer calls. I finally was able to pay, but am still receiving calls. I missed one payment out of a great payment history, and am made to feel like I 'm a second class citizen. I feel this is unnecessary and harassing. I am very dissatisfied and this has made me rethink getting another XXXX. I am attaching screenshots my phone allowed me to take of the calls as proof of the repeated calling. 
I am also uploading my payment history showing I do in fact pay within the 15 day window required to be considered in the grace period of on time ( as paychecks allow, sometimes it 's earlier than the XXXX, sometimes after ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with Diversified Recovery Services Inc. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX ... Continuing to phone calls even after point of contact has been made. Requested to receive information in writing. I receive roughly 3-4 phone calls per day! Repeatedly asked not to be contacted, told them they were harassing me. They were rude and deceiving. They call and when you answer the line disconnects ; forcing you to return not a call to see whom it was. Asked not to be on a recorded line. They are contacting in regards to a debt that is past the statue of limitations. I am requesting for them to leave me alone. Either send the information in writing and allow me to contact them. They refused, as well as continuously hanging up on me without resolve.

Company response to consumer: Untimely response
Consumer complaint received 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my  ID, Proof of a ddress and police 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 non-monetary relief
Consumer complaint received 03/30/2017 about Money transfers (International money transfer) with DOLEX DOLLAR EXPRESS, INC. (CA).
Issue: Money was not available when promised

Complaint: I did a money transfer on XX/XX/2017 when the person that was supposed to receive the money went to pick it up he was told that the transaction number was incorrect. He went three times to try and pick up the money but Was also told that the money he was trying to receive was not there. He double checked that all his information was correct which it was and still had trouble receiving the money. It 's been 15 days now so I 'm making this claim because you failed to provide this service and for not going through with the transaction the day it was supposed to happened. I 've tried to call customer service but no one has givien me a solution to this issue. Dolex dollar express inc. my name is XXXX transaction # XXXX Beneficiary : 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 07-10-2017 about Debt collection (Medical debt) with Med-1 Solutions, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: About 4 months ago this company REV 1 Solutions appeared on my credit report I advised rep I do not have a debt neither a contract with this collection agency I requested the collection agent to produce a contract signed for this debt so I can verify as well as requesting this debt be verified and not validated by them as well as requesting a copy of their license to practice in Florida never received anything debt was removed off credit report go to check my report this morning after an alert and this same debt agency is back on there. Please have them send a contract I signed with them for this debt from the creditor as well as them that they are claiming I owe along with a copy of there license to practice in state of Florida I have NO Contract with REV 1 Solutions so please quit trying to collect for a debt I do n't owe as well please cease any credit reporting unless they produce proof of a contract and license to practice

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid of my mortgage to Ditech on XX/XX/2016. On XX/XX/2016 they debited my checking account for {$1500.00} for my regular payment. I called Ditech and demanded they return my money. After several calls they refused to return my money immediately and told me they would issue a refund in 30 days. If I had taken their money and held it hostage for 30 days I would be in jail. The took the money by ACH transfer because I had set up automatic payments but the account was paid in full by wire transfer and closed on XX/XX/2016. 
I want my money returned immediately. But if not and there are no consequences for Ditech, I want to know if I can do the same thing and that nothing will be considered illegal or theft. 
Thanks, XXXX 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 03/26/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: I was attempting to pay XXXX of my credit card invoices. Instead of being greeted with the normal payment screens I was instead forced to verify my payment source before I could make the payments. This was the same day that the payment was due and I was n't at home and did n't have my checkbook with me to get the routing number and account number. I did n't want to be late so I input the information from memory and some portion of the information was incorrect. I received a call from the company fours days later asking me for payment which I paid the same day. I was then charged fees for making the mistake and my online bill pay service is now suspended. My questions are why would a company need to verify a customers payment source that has not changed in over a decade, why would they need to do it when I 'm under pressure to get the payment in on time and if I wanted to change the payment source would n't that be up to me to do before trying to make a payment? I think this was a trap set by the company to lure me in to making a mistake and then charging me extra fees for it.

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 07-06-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( Equifax , XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my Equifax credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with Equifax Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX, Equifax has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (TN).
Issue: Other transaction problem

Complaint: I initiated the bank to bank transfer with Wells Fargo to transfer {$1800.00} from   XXXX   XXXX   XXXX   XXXX   to Wells Fargo on   XXXX    XXXX , 2017. On the morning (   XXXX   XXXX   ) of  XXXX   XXXX , 2017 I called to cancel the web transfer, and was told by a Wells Fargo customer representative told that the transaction would be cancelled. Later that day, I check my   XXXX   XXXX   account and the funds has been withdrawn. I then called   XXXX   XXXX  , and was told to they would start an investigation. In the meantime, the funds were not appearing in my Wells Fargo account or back in my   XXXX   XXXX   account. On  XXXX   XXXX , 2017 I received a fax confirming that funds were transferred to Wells Fargo. I then called Wells Fargo because the funds were still not showing in my account, and had to start another investigation. I was told it would take up to 10 days to research my claim. That amount of time is unacceptable, as I do not understand why they are unable to find my funds relating to this transfer.

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 02/19/2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit report shows VA XXXX XXXX from an original date of 2006. My wife did n't live in VA and I do n't owe this money to the state, I have mailed validation letters to the address on the credit report for VA XXXX and the post office returned it stating not able to deliver address not found. So how can they verify this and leave it on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This a formal compliant against Experian regarding inaccuracy on my credit file. On XX/XX/XXXX, I  discovered that XXXX XXXX account number xxxxxxxxxxxxx XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX  which I have proof. I know that CRAs does not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified Experian in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX by DELETING/REMOVING this account from my credit file.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I paid Bank of America in full, for an over drafted bank account. The account number is, XXXX - XXXX. Amount requested by B Of A, {$1200.00}. 

Amount paid by XXXX XXXX, {$1200.00} for XXXX balance. 

This account was initially reported as Suspected Fraud Activity. This language is suggestive that elements of Fraud were present. When this was just an overdraft. A customer issued me a check, I deposed the check in good faith. The check amount was credited to my account, but later returned to me as NSF. The bank overdrew my account {$1200.00}. However, there was never any elements of Fraud involved. 

Bank of America reported this erroneous information to XXXX. XXXX is reporting this erroneous information to those who pull my information. 

XXXX XXXXXXXX XXXX is declining to open a new account because of this language.

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 08/18/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I 've been a loyal cardholder with Synchrony bank since XXXX. I currently own a card from Care Credit, Chevron, Jc Penney 's and Lowes. In XX/XX/XXXX I filed a complaint via Consumer Financial Protection Bureau in regards to my Chevron Card because my limit was decreased from {$3000.00} to {$1200.00} which I thought was too low for a customer who has been a cardholder for 13 years. My limit has never been decreased even when my credit score had slightly changed in the past. Evidently, my credit score changed earlier this year which led Synchrony bank to decrease my Chevron Credit Card limit. Furthermore, the reason why I am filing a complaint today is because I feel as though I am being retaliated against from filing a complaint back in XX/XX/XXXX. When I filed the complaint in XX/XX/XXXX I received a response from XXXX XXXX XXXX, Senior Specialist who decreased my limit on the Chevron Card but also turned around and decreased my Credit Limits on my Jc Penney and Care Credit Card some weeks later because I received a letter in the mail. I know that my credit limits were decreased ONLY because I filed a complaint on my Chevron Card in XX/XX/XXXX. I don ; t think that was right, it was very disrespectful and inconsiderate. Remind you, my credit limits were not decreased until after I filed the complaint.

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 06/13/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for XXXX years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My credit is inaccessible to the mortgage company. I did not freeze 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 explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (OK).
Issue: Loan servicing, payments, escrow account

Complaint: We have sent checks to the notice of assignment, sale or transfer or servicing rights address. The checks have been cashed. I have copies of the returned checks. Now another lender who claims they are lender are now calling and sending foreclosure packages to our house. They refuse to post those items to account. I do n't want to spend any more time or money to fight this, but at this point I think I will have to hire 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 09/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My loan was put into deferrment without my permission or knowledge. In the process of doing this they increased my interest rate. When I called and told them to change everything back to the way it was, my payment amounts and terms are different. This is unacceptable and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Trouble during payment process

Complaint: Where to begin, My loan was originally obtained through  XXXX .  Carrington  bought the mortgage and immediately upped my payment ( Surpassing the maximum amount I am legally allowed to get a home loan for ) to push the escrow to the maximum amount. As this was sudden and unexpected I obviously started missing payments and making payments late while they were blasting me with fees. They were completely unhelpful in terms of me making partial payments and only wanted to sell me additional services which I can not afford. The website is shotty and most of the time and at least once every  2  moths I have  one  of the following issues.   - Does not work - Will require me to change my password - Will not let me reset my password - And does not send me confirmation emails when I make my payments - Can not find the link to make payments as it is very well hidden Which is suspicious because when you call they say its {$15.00} to make a payment over the phone. I finally got even on my mortgage and now they have decided to start charging me a {$5.00}  Convenience  fee to make my payment online which again I do n't think is quite legal.   Regardless this place is not on the level. Sign me up for any lawsuits out against these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease

Complaint: Santander Consumer Bank makes it impossible to pay loan in full and creates impossibilities to pay on time thus charging extremely high fees. They charge you XXXX dollars to make payments online or over the phone which consumers must do because checks that are mailed take weeks to be processed. I 'm trying to pay the loan in full but XXXX wo n't process my credit card payment because it 's payment in full. I was told I ca n't pay the loan in full online or over the phone even if I only owe XXXX dollar that I must send a check. The check wo n't clear in time to pay in full so the bank will charge additional fees. I 'm also concerned from reading about this bank I wo n't receive the title. Most complaints on XXXX are similar to mine.

Company response to consumer: Closed with explanation