milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loans were in default due to my inability to repay and Navient 's refusal to enroll me in an income-based repayment program. My credit report shows that my first missed payments on all of my student loans occurred in XX/XX/XXXX, but I had been in contact with Navient since XX/XX/XXXX regarding my high payments. Flash forward to XX/XX/XXXX-XX/XX/XXXX. Navient was calling me and my cosigners at least 10 times a day, even though I told them that I work as a teacher and could not receive phone calls at work. I am a teacher and will lose my job if I answer my cellphone while teaching. I stopped answering their phone calls because they had sold my account to collections and refused to work with me. My parents signed off as cosigners, which was never presented as an option to me, by paying {$540.00} on XX/XX/XXXX, {$22000.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX. I was also enrolled in the Three Pay Plan to bring my account current. I made three payments of {$100.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have continued to make payments of {$120.00} since that date ( XX/XX/XXXX & XX/XX/XXXX ). I do not know who owns my debt at this point. According to my XXXX  credit report, I have 51 missed payments to Navient, including a payment on each loan in XX/XX/XXXX. My online Navient account says that I still owe them {$1000.00} with a past due amount of {$620.00}. I do n't understand how this could be true since my credit report states that I 'm current, and they continue to auto debit a total {$120.00} each month. They no longer call me, but I 'm afraid that they will start up again because I do n't even know who owns my debt anymore. They have destroyed my credit and made me regret becoming a XXXX. I have included as many dates as I can still access, but this has been a constant back and forth since XX/XX/XXXX. Why was I never told that I could get a cosigner waiver? Why was I told that I did n't qualify for income-based repayment despite having an XXXX of under XXXX and a student loan payment of over {$600.00} each month ( not counting federal loans )? Why was I misled, harassed, and basically told that there was nothing that could be done? Where is my money going now? I 'm terrified of what could happen if I 'm kept in the dark any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I had this loan since XX/XX/XXXX, the original amount was XXXX, ,a week before graduation, the XXXX XXXX XXXX XXXX, the state had taken the liscense away from the school through out the years i tried to pay when i could unfortunately i have medical issues due to XXXX and i was unemployed several times, i have tried many times throughout the years to ask for options with XXXX XXXX and navient at one point i was told my only option was i think it was a forebearance in which my loan sky rocketed to over {$9000.00} in XX/XX/XXXX i had a XXXX i went back to work part time XX/XX/XXXX i have been struggling medically and financially .XX/XX/XXXX i called and i spoke to XXXX a customer service rep i asked her about the ibr program she told me i had to put XXXX down or she could n't help me to call back when i had the money she also told me, she was going to take care of the ibr application i would have 0 payment till the following year and then i would have to do the ibr process again, i called back on XX/XX/XXXX i made the XXXX payment i thought everything was good till XX/XX/XXXXin XX/XX/XXXX i called navient and was told that i owe over XXXX because my ibr was never done, they wanted a payment of at least XXXX in which i do not have .Now my loan is in default for XXXX I have a part time and i still suffer issues from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit card protection / Debt protection

Complaint: I have an account with synchrony bank for my XXXX account all of my previous purchases had promotional periods on the last one I had paid off the promotional payment, synchrony used a portion of that to apply it to my payment that month, I did not realize what they had done and did not make a payment, then I realized they were charging me a huge amount of money in interest I called then they put some of the money back but not all of it and they refused to fix the last amount and are still charging me interest.

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 02/20/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: This student loan was issued through Navient on XX/XX/04 for {$70000.00} with an interest rate of 4.25. 
Granted, I had quite a few late payment fees the first years of payments, but I have been paying this loan for 14 years and I still owe {$41000.00}. I tried to go back and figure out all the interest and the payments and the late fees, and I just don't think the payments were right. I could be wrong, but it didn't seem right with the interest charges. I did call Navient, and got a very vague answer, which made no sense. I have heard that Navient has had multiple complaints, and a few lawsuits. 

Can you help me? 

The account number is : XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In late XXXX I noticed a debt collection on my credit report from AD ASTRA RECOVERY. When contacted to inquire about this unfamiliar account I was told it was for a payday in the state of Alabama. I have not lived in this state in nearly 10 years and assume this is an account opened that I did not authorize. I have been working diligently for the past 3 years to get this removed from my credit report as it is hindering my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Medical) with Avadyne Health Holdings, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: inaccurate information on my credit report. a active account is open that was included in my bankruptcy. I have tried to contact this company several times myself to no avail. this account should no longer be on my credit report as it was included in my bankruptcy and it should not be showing active

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX/XXXX/XXXXTo whom it may concern, I hope you can help me. Here is the situation/information. 

The original creditor was XXXX XXXX and reported my debt to collections on XX/XX/XXXX a total amount of {$1600.00}. XXXX XXXX then turned around and sold this debt to XXXX which placed this same amount as a new debt on my credit report/collections on XX/XX/XXXX. From my understanding this debt is suppossed to be from the original debt date. This should have fallen off my credit report and I want it removed as a new dept. I do have the original purchase order if you need me to fax it to you. I do n't have a scanner so I can not scan the information in to this computer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: The last time I can account for having my Bank of America Card ( BOA ), in my possession was for a purchase at XXXX XXXX, the date on the BOA statement shows XX/XX/XXXX. Please note, I never maintain large amounts of money or transactions in this account. On XX/XX/XXXX, I used my XXXX to make a mobile deposit of {$84.00} ( escrow refund ), I did not need my ATM card for this transaction, so at this point, I had no ideas it was missing. On XX/XX/XXXX, I went to my online banking to verify my balance before making a purchase, and my password was not recognized, I called customer service and learned of strange activity on my account which was four checks in my name, and my name fraudulently signed. I have no relationship or knowledge of the company on the checks. Based on the information from BOA these deposits were made at BOA branches all on XX/XX/XXXX. The person who made these deposits was then able to go to different ATMs and make withdrawals in the amount of {$300.00}, {$40.00} and XXXX. I do not know how the person responsible for this fraudulent activity was able to access the ATM. These are the check amounts : {$690.00}, XXXX, XXXX and {$990.00}, upon learning of this activity on XX/XX/XXXX( Sunday ), I was told by customer service to file a Fraud complaint with BOA on Monday XX/XX/XXXX, which I did. BOA has the capable to view branch photos and ATM photos of this activity but they have refused to do so as part of their investigation. I also made a timely police report. BOA of is holding me responsible for the ATM withdrawals and fees for this activity that I did not 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 monetary relief
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: American Express has made several attempts to debit money from my account. I have had to have my bank block all transactions from them in order to stop it. I DO NOT have and American Express card nor do I have any business with them. They have been trying to debit this money without my knowledge or consent. 

I have contacted them twice, they have not resolved the issue. They claim they are doing an " internal investigation '' into the matter, but have attempted to debit the money again while it was supposedly being investigated. I have had to pay a fee to the bank in order for them to block transactions from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: APR or interest rate

Complaint: When I applied for the XXXX XXXX American Express Card, I was told there was an introductory APR of 0 %. This was in the Terms and Conditions. Also in the T & C is a statement that no interest will be charged if the balance is paid in full by the due date. What is the point of a 0 % APR if interest will be charged regardless? When I called the bank, from whom I received the card, they told me that that was just the way the card works, no further explanation. I made purchases with the above mentioned card, and in my second statement was billed for nearly {$20.00}.

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 11-12-2017 about Debt collection (Medical debt) with Receivable Solutions, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Submitted a request for validation of the debt, but have not received valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Due to the large amount of debt that I have incurred going to school, I have not been able to pay on both my private and federal student loans. When brought to the attention of my company, they simply say they can not lower the payments in any capacity to allow me to actually make payments and thus I have had to use all of my forbearance that I am allotted. I will have none left come XX/XX/XXXX, and they refuse to work with me on lowering any of my payment amounts so that I am able to make any kind of attempt to pay the loans off. I am living paycheck to paycheck because of these student loans and see no reprieve or even attempt to lower the payments so that I can actually make them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: They have elected to apply my payments to interest only, thereby artificially extending the terms of the loans. I can not believe that it is legal to extract interest only payments, I would expect that even in the toughest amortization schedule it would be impossible to never see the principal paid down after 15 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.

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 01/24/2018 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I contacted XXXX XXXX XXXX and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with XXXX XXXX XXXX that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of  Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Ive been a Care Credit/XXXX XXXX cardholder for 4 years. During all of this time, my Credit Limit always remained the same. Initially, when requested they would never increase my Limit nor change it. Not even for emergencies or while having a high credit score. 

Now, that I finally received my dispute credit via CFPB & am satisfied with that resolution. There 's a consequence ... due to my CFPB request they seem to have decided to decrease my credit by A XXXX dollars. 

Its not fair. This sudden change does nothing for them. I have a perfect record with them, which is something they should be more concern with. I even increased my monthly payments amounts and owe very little at this point. In conclusion, this change only hurts me ( their customer ) by affecting my credit. The lower the CL is for an account, the higher my credit use becomes. I do n't plan on using the {$2800.00} but I just want it higher to benefit my credit score. If it was never changed in 4 years it should not have been changed now following my dispute resolution. 

I did reach out to XXXX XXXX requesting them to leave my Credit Limit as it was but they declined this. I waited over 1 month trying to work this out with them. I was told Corporate would be contacted twice and they never responded. Then, I reached out again and waited another 10 days for a decline letter via mail.

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 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my requests to investigate, verify and remove an account from my credit report that does not belong to 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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have numerous amount of account review inquries on my trans union report that have been used without my consent, these inquries are now affecting my credit score and i feel like i should have been notified that my credit will be a factor, i feel like all these should be removed from my file since i had no idea that these will appear on my credit report. 
THINGS LIKE XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX - DONT KNOW WHAT THAT EVEN IS, XXXX XXXX, ALL THESE SHOULD BE REMOVED. AS WELLL AS THE HARD INQURIES ON MY ACCOUNT THAT I HAVE NO IDEA ABOUT.

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 07/25/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: CHEXSYSTEMS HAS A VERY LOW SCORE ON ME BUT CAN NOT TELL ME WHY. THEY HAVE NO ADVERSE INFORMATION IN THEIR REPORT, YET WILL NOT RAISE MY SCORE. I HAVE NOT BEEN ABLE TO KEEP A BANK ACCOUNT OPEN FOR SEVERAL YEARS. I NEED YOUR HELP, PLEASE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: I signed up for a citigold account with the understanding that I would receive XXXX XXXX XXXX points if I met the conditions of the bonus language. They said that after I met the conditions it would take 90 days for me to receive my bonus. I contacted them once via customer chat and verified that I had met the conditions and they said that I would receive the bonus in XXXX. I called today XXXX XXXX XXXX ) and they said that they do n't have any record of the bonus and that I will not receive 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 non-monetary relief
Consumer complaint received 11-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have asked on numerous occasions for my address and Name be corrected on my Credit reporting account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (GA).
Issue: Received a loan I didn't apply for

Complaint: I received an email from this company stating that my loan has been approved and processed. I also received a phone call but never spoke with anyone. I have not applied for a loan at Cash Central out of Utah. Since this happened I pulled my credit reports and see where they have checked my credit in the past as well. I have never had any association with this company. I was able to go online and pull my so called information. They have my social security number and drivers license number correct but nothing else is correct other then they have a relatives contact information that they will harassed for payment. I have tried to research this company online and it appears that others have had similar issues as me. This company is doing illegal phishing into people 's lives and personal information then processing loans without our knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone in early XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXXloss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, On XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called ) I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation