milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On  XX/XX/XXXX  I began the repayment of my FFEL Stafford Subsidized Loan 's plus another FFEL Unsubsidized Loan. The repayment plan I selected was a Graduated Plan and at the time the loan was serviced by   XXXX   XXXX  . I was set up on auto-draft from my checking account to repay the {$15000.00} back with a term of 10 years. My payment began at  XXXX . The loan servicer 's name changed once or twice before 'landing ' as Navient. Now in order for my loan to work Navient should have increased my payment approximately every 24 months in order to meet the terms of the loan. From   XX/XX/XXXX   to  XX/XX/XXXX  I never missed a payment. In   XX/XX/XXXX  of l ast year I was contacted by Navient stating they did an audit of loans and discovered that in order to meet my loan repayment terms my monthly payment would need to increase to {$530.00} from the  XXXX  This was quite startling to me as you can imagine. I have many student loans and those from my  XXXX  education that are serviced by   XXXX   XXXX   XXXX   XXXX   XXXX   have only ever steadily increase every couple of years. I called Navient and asked why my payment was increased years earlier as the graduated repayment plan was designed to do and they admitted to a " system error ''. I must admit that I depend on the Loan Servicer to be the most knowledgeable about the loan terms and to ensure that what I signed up for is administered correctly. I tried to appeal this problem during   XX/XX/XXXX  &  XX/XX/XXXX   and was only offered the option to refinance my loan with new terms. My loan that I had just discovered was almost exactly the same amount after paying on it for 7 years as it was the day I began repayment through no fault really of my own. Truly I did not recall that this type of loan was only a 10 year repayment plan. I can find no paperwork outlining that. So that I would n't end up as 'defaulting ' on this loan I did end up refinancing it but instead of staying with Navient I had it transferred to   XXXX   XXXX   XXXX   XXXX   XXXX   in   XX/XX/XXXX      where I now pay approximately {$150.00} per month. However Navient collected $ 6000+ in payments from me with nearly all of it being applied to the interest only. Had my payments gradually increased as they should have I would most assuredly paid less in interest overall. Not to mention have the loan paid off as well. I never received any call, email, or snail mail that I can recall stating my payment needed to increase to avoid this financial waste and frustration. So even though they acknowledge it was a " system error '' they refuse to adjust the balance due on my loan to offset the miscalculated interest they collected. I filed a complaint with the AR State Attorney office and in their reply they additionally stated that since they are no longer the Loan Servicer that this is no longer their concern.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Bank account or service (Checking account) with COMMERCE BANK (KS).
Issue: Problems caused by my funds being low

Complaint: I just looked at my bank account & saw that a {$2.00} transaction was submitted causing an overdraft of {$36.00} because I was {$1.00} short. I was told it was a paypale transaction. I went to the bank to complain, Commerce Bank and talked to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX ( XXXX ) XXXX & got NO Where. I 'm not an OPT-IN customer. so I would rather of had the transaction rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I went through an eviction with an apartment complex in 2014 and was told in court that the amount owed was {$2700.00} plus 5 % interest. But a few weeks after I vacated the premises I received a letter stating that I owe {$8200.00}. When questioned where did the additional {$5000.00} come from, I was told that it was for the eviction process. I asked for proof stating that I owed the additional amount and I was never given it until a full year later when I contacted the collection agency handling this case. I informed both the collection agency and the apartment complex that this amount was incorrect and being reported on my credit report. I was given a ledger which lists the debt but it was very confusing to me and the collections agency advised that they would send a dispute letter but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a  Chase Sapphire Reserve cr edit card  on  XX/XX/XXXX . I   de cided to apply since my  credit score fro m  XXXX , provided to me by  Chase 's Credit Journey web site -- which details personal credit history to Chase Bank customers -- was a  XXXX   (  it is now a  XXXX  ). And I have had a credit card with  Chase  since   XX/XX/XXXX   ( now it 's called th e Chase Freedom c ard ) ; my balance for this credit card has always been paid off each month.  <P/> A letter date d XX/XX/XXXX  from Chase  Bank stated that I was rejected for this C hase Sapphire Reserve credit card due to " lack of recent consumer finance company account information. '' This letter arrived to my home on  XX/XX/XXXX .   <P/> O n XX/XX/XXXX , I called Chase 's customer service to get further information on what their rejection rationale exactly meant. They stated that they could see that I 've had my credit card with Chase for 9 years, which has never had a delinquent payment. They saw that I had finished paying off my college loans in  XX/XX/XXXX .   <P/> However, Chase Bank was basing their decision regarding my application on my credit report from  XXXX , and not from the  one  provided by  XXXX .  <P/>   XXXX   XXXX   credit report for me, however, was erroneous, since  XXXX  had not reported any information from  Chase regarding my Chase Freedom card. And Chase  knew that this information was erroneous since they knew that I had an active credit card account with their company for nearly a decade.  <P/> I wrote to   XXXX   regarding this error, requesting my credit report from them, since I could not apply for or access my credit report on their website or over the phone -- despite giving them my personal information each time I inquired. Attached below is a letter ( with blacked out personal information ) that I sent to them  on  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX Loan {$40000.00} Currently closed was forgiven by XXXX in response to the Government lawsuit investigation regarding Financial Fraud during the XX/XX/XXXX Housing crisis. I would like it cleared from my credit report since it improperly reports as a foreclosure. I am including the forgiveness letter that I received in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with U.S. BANCORP (ND).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: There was a bad check submitted into my US Bank Acct. and now because nobody did their job properly I 'm being held responsible for using it. It was from an XXXX banking service from a XXXX Texas XXXX Bank that opened an account for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was using illegal identity. This was confirmed by the XXXX Police XXXX. in NM. This check for {$2900.00} was deposited through an online banking service. I was notified through the alert system of US Bank that I had {$2900.00} available immediately. I proceeded to use {$1000.00} of it and since I have a limitation on my withdrawals in a days time went to the bank to request more money at the US Bank, XXXX XXXX only to find out that the check was n't any good. Being an out of state check there should have been a hold placed upon it for several days and that was n't done. According to the bank XXXX, XXXX they get many of these checks every day, not my problem. I 've had my account shut down and demands to repay {$970.00}. I do n't feel this is right. Not only did this man do this once, but the next day or the day after he proceeded to try and place another fraudulent check into my account for another {$2300.00}. XXXX caught this one and called the police -- XXXX XXXX XXXX. I spoke to this XXXX and wanted to press charges. Was told I could n't because according to him this man probably lived in XXXX. I 'm being told constantly of the scams that are going on through the internet. I would guess that I receive XXXX scams a days in my spam folder of ATM Cards equaling XXXX of dollars, of money that a person as left after XXXX in my name. Just supply my name, address, phone number and they will contact me with the balance of the information. YEAH RIGHT, AT A COST TO ME OF COURSE. I 'm tired of these XXXX XXXX 's being able to acquire a bank account with false identity. I 'm sick of the fact that US Bank did n't have TIME to properly handle this check appropriately and put a hold on it for several days to make sure the funds were available.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We are trying to obtain financing for a home and we were told that there was a mortgage through Loancare Servicing Center from 2014, still on the credit report. It showed Open/In good standing/Paid as agreed, but it had a balance of {$360000.00}. 
This loan was a refinance of a previous house ( since sold ) and the loan had been sold several times after this servicer had bought it. We contacted them on XX/XX/XXXX requesting a correction and a letter stating that the correction was being made. We have nothing. I call every day and each call takes approximately 30 minutes, only to be told that it will be escalated and someone will call and a letter will be sent " in 24-48 hours '', but no one ever calls and we have no email, no letter, NOTHING. We are unable to get financing for our new home because of this. THEY HAVE ACKNOWLEDGED THAT THIS IS AN ERRONEOUS REPORTING and I still can not get them to put that in an email. I do n't know what else to do.

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 02-07-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (FL).
Issue: Account opening, closing, or management

Complaint: I want to get my last name changed back to my maiden name with US Bank Home Mortgage. I currently have a mortgage through this bank. I was legally divorced on XXXX/XXXX/XXXX. I called US Bank in XXXX XXXX and notified them of my request. They mailed me a name change packet and requested documentation. I filled everything out and mailed it back. Since I did n't hear back from them, I assumed the name change had taken place. In XXXX XXXX, I received a copy of my annual escrow account disclosure statement and noticed my last name was still my married name. I called them to inform them that the name change had not taken place. They stated they did not have a copy of my final divorce decree. I asked them to look into the documentation that I submitted because everything was in the same packet so if they received all of the other documents, they should have the divorce decree. I did not receive any further follow up phone calls or emails to notify me of the results of the search. I called again on XXXX/XXXX/XXXX and they stated they still did not have the copy of the divorce decree so I faxed over the copy to the fax number that they provided me. I continued to call to verify they had received the document. I was told that it takes time for the bank to receive the information and then update my account. I called on XXXX/XXXX/XXXX and was told they still had not received the divorce decree. They gave me another fax number which I faxed the document to. I called on XXXX/XXXX/XXXX and they confirmed that the document was received but it takes 7-10 business days to update my account. I called again on XXXX/XXXX/XXXX, which was 10 business days and was told the account was still not updated. This time, the person I spoke with called another person to check on the status. She informed me that there was no documentation as to why the name change had not taken place and that this person would call or email me. I never heard anything back from anyone as of yet. I am writing this to ask for assistance in getting US Bank to change my last name to my maiden name. I have made at least 20 phone calls since XXXX XXXX and I still have not been able to resolve this. There has been no communication from the bank to me, NO COMMUNICATION, I have current email and phone numbers with them. I need to file my taxes and can not do so because they have the wrong last name. They also sent me a refund check on my account, which I can not cash, as the check has my married name listed. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BROKER SOLUTIONS, INC. (AL).
Issue: Closing on a mortgage

Complaint: I was told by  XXXX   XXXX   XXXX   of    XXXX   XXXX   XXXX    that I would have a free appraisal if I used   XXXX   XXXX   for my loan.I later was told by my loan c onsultant  XXXX   XXXX   XXXX  that I will be rguired to pay for my appraisal and if I wanted to be reimbursed by   XXXX   XXXX   it would show up as a credit at closing and I would have to pay a higher interest rate for the loan than t he one lo cked in-these are misleading and deceptive practices and where I come from it is called a lie.this is an unethical loan broker and should be investigated for this other malfeasance.I will be taking this complaint to the government mortgage regulatory agency handling oversight of these companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had weak security and my information was gathered in the hack.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: For the last 5 years XXXX XXXX XXXX has harassed me about a debt to XXXX XXXX cedit card company. I have made payments through XXXX and the when they were not making the payment on time I took it from them and stated paying XXXX. They then sold the account to XXXX. I was locked out of XXXX website in order to make anymore payments. There is no record of the payments I have made to anyone. They are demanding I pay XXXX. 
They have sent this to an attorney in XXXX XXXX, Mo XXXX and XXXX. 
They to say they have no records of any payments made. 
The amount they are asking for is mostly late fees and interest. I have no way to retrieve my payment info. 
They have threatened me and harassed me for months with phones calls and letters. 
They refuse to send me documentation of payments I have paid. The lawyers refuse to send me proof of my payments either.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Auto debt) with MRS BPO, LLC (MD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: on XX/XX/2018 at XXXX XXXX, XXXX XXXX ( for XXXX XXXX ), called my job at XXXX about a debt that was owe and off my credit report and talk to my coworker about the problem. didn't verified any information regarding the debt, just asked for my name. and told all personal information about this debt. the person that was talking on the phone from XXXX XXXX was XXXX XXXX. i have repeatedly had phone calls from this company with harassment, and i told them to stop calling. Their number is XXXX and the reference number is XXXX. they also been calling my phone number XXXX multiple times. i didnt authorize this company or XXXX XXXX to call my place of work, relatives or cell phone in regards to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX I purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. They got it financed through Monterey Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX at 22 % interest, 36 months paying XXXX a month. I have made XXXX payments so far. In XXXX I went on line to make a payment using my credit card because I had n't worked all summer and I knew my bank account would be short. I did n't want a late fee so I payed it on the due date XXXX/XXXX/XXXX, but the payment on line was XXXX. I submitted the pay then called to let them know I had paid it. I was told by XXXX that I would still have to pay a return check fee of {$25.00} because they had processed for the check to come out of my account and it would be returned as insufficient funds. She told me the XXXX was to cover the online fee of XXXX and the payment of XXXX ( my payment ). I said why the extra XXXX. XXXX. She said she could take that as part of the XXXX rcf, and she would attach the balance of XXXX to my next auto draft. I said fine. My XXXX Payment was XXXX. The XXXX was satisfied. Today I got a call saying I still owed {$8.00} + change, and they were calling to collect a debt. I explained that I did n't owe anything other than my regular payment. They told me I owed processing fees and the rest of the {$25.00} fee. They told me I payed by phone which is {$15.00} not on line like I actually did. Plus there was nothing on the website that indicated a fee to pay online. I paid this bill to avoid the {$99.00} payment when you are late. This happened to me once when I was a day or XXXX late a nd I thought it was excessive so I did n't want this to happen again. When I said I refused to pay it because I paid the fee, XXXX the supervisor told me she would wave the XXXX dollars but I would still have to pay {$3.00} with a {$15.00} processing fee because the penalty for them not collecting the money directly from my bank account totalled {$99.00}. Regardless the figures just did n't add up. I am disgust ed with them. They are charging and over charging because at the time of purchase my credit was not good. I feel I 'm being robbed and cheated. I want to pay for this product but not with such harsh penalties and high interest. I am retired but still working to keep up my responsibilities. These people are crooks. Total cost of product {$1500.00}. But I still have over a thousand to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone calls incoming from Portfolio Recovery from multiple numbers, including : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TX).
Issue: Trouble during payment process

Complaint: I have a closed complaint, reference number  XXXX . I just received a delinquent tax bill from  XXXX   XXXX .  Shell Point MTG r esolved previous complaint, paid the taxes that were delinquent from  2015  and then cancelled the check after they resolved therefore I still have delinquent taxes due for  2015 . When I called them I spen t 2 h ours on the phone and made no progress  XXXX   XXXX  they sent a check for  XXXX  and then cancelled the check later that month. This check would have resolved my complaint if they would not have cancelled Thank you  XXXX   XXXX   XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with Empowerment Ventures, LLC (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Rushcard XXXX has been doing a system update since Sunday. Customers were told that the update would be done by Monday XXXX but nothing has been done and no notification have been sent. The customer service number is out of service and the online access is down. I have not been able to speak to anyone at the company regarding this issue. This is a company wide issue and a lot of people are affected by this. we have not been able to access or money, transfer funds or use our debit card since Sunday XXXX/XXXX/2015. This is a major problem and it seems that the system has possibly been hacked or we are all victims of fraud/scamming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Reference Case # XXXX Still having great difficulty communicating with BOA applicable employees/customer service reps/robots. None of the latter return phone calls, have voicemail, and obviously do not listen a/o care about any such msgs left on their extension #. It 's either incredible or purposefully planned this way by BOA management ( XXXX ). If ... ... ... .because of BOA 's deliberate/disinterested lack of support and response ( s ) the short sale offer on our waterfront lot is withdrawn by the interested buyer, what action ( s ) can we take vs. BOA?

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