milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I filed a complaint last year regarding XXXX XXXX, they told me because my loan was not in default they could not do anything further. I have no interest only payments left and have been paying my loan every month however the payments are very high. My loan is now being serviced by Navient and I can not get through to someone, I would like to settle or negotiate my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Soon after finishing college, I started paying on my student loans. My payment was much, but it was what I could afford. Years later, I find out that payment was only being applied to a small portion of my student loans since some are commercial and some are federal. I had no idea my loans had been split up. Last year, I discovered the issue and enrolled in the Loan Rehabilitation program. I was told many misleading things. First was that the fees and interest I occurred would be forgiven at the end of the program. Second, I was told I would be called at the end of the program to re-evaluate my payments as they were transferred out of the program. That did n't happen. I received no notification and we n't into default. Also, no penalties or fees were waived for completing the program. The entire student loan process has been filled with out-right deception.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: XXXX/Synchrony Bank Letter of complaint Enclosures : 1. Synchrony Bank Statements, Closing : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX. 
2. XXXX XXXX Invoice dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX # XXXX XXXX & XXXX XXXX. 
3. Synchrony Bank, Fraud Solutions Department Letter, Dated XXXX/XXXX/XXXX. 

To whom it may Concern : In XXXX of XXXX I received a statement from XXXX/Synchrony Bank with a statement close date of XXXX/XXXX/XXXX ; however this account had been closed since XXXX XXXX, and paid off in full. 

I contacted Synchrony Bank and they confirmed that the account was closed and no payment was due. 

However on XXXX/XXXX/XXXX, I received a letter from Synchrony Bank, Fraud Solutions Department stating that the amounts are due and there is an outstanding balance on my account ( see attachment # XXXX ). 

I have attached and reviewed all purchases invoices and bank statements regarding these transactions which total {$3700.00} dollars ( USD ) ; which was the amount agree to and paid. 

After my conversation with Synchrony Bank, Fraud Solutions Department ( P.O.C. XXXX ), I believe I 'm being charged some six month later for some free / Promotional art work that I received ( see attached statement XXXX/XXXX/XXXX ). Because the amount on the invoice of {$3700.00} and the amount billed of {$3700.00} are the same amounts that I paid ; the free art are shown as XXXX in the invoice price column ( XXXX, XXXX, XXXX, XXXX, & XXXX ). 

I did n't authorize these charges on an account that had been paid in full and closed for SIX ( 6 ) Months ; and if XXXX XXXX would like its free art work back I would be more than happy to send it back to them. 

However Synchrony Bank had no authority to accept a charge to an account that had been closed for six months, and I believe their action is outside the scope of a banking institution. 

I want this account zeroed XXXX XXXX XXXX out and closed, and if XXXX XXXX would like its free art work returned they can contact me and we can make arrangements for that to happen ; however that is not the business of thee banks ... and this account should have never been charged.

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 08/20/2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The representative that left a message with my son said they were calling with the XXXX County Court. The rep I spoke with alluded to the fact that since it was n't him it was n't a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report of 6/17/2015 from TransUnion shows that a credit inquiry was made regarding some home furnishings on XX/XX/XXXX. I never attempted to purchase any such furnishings. The XXXX is listed as SECURITY AGE. The address listed is XXXX XXXX XXXX, XXXX, AZ XXXX. I determined that to be a residential address. I filed a fraud alert with TransUnion. I 'd like to see the perpetrator prosecuted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: I had a merchant account with Wells Fargo. My account was closed and I was told the funds would have to sit in the account for six months before my money would be released. I waited six months and Wells Fargo is still holding my money, everytime I call they say I have to speak to someone name XXXX but he does n't return my calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (PA).
Issue: Taking out the loan or lease

Complaint: In XXXX XXXX I leased a XXXX Nissan Rouge for a term of 39 months. I returned the vehicle in XXXX XXXX with XXXX miles under the allowed amount of XXXX miles, and the vehicle passed the end of lease inspection without any damage. The vehicle has since been sold by the dealer XXXX Nissan as it was in excellent condition and had very low miles, XXXX, so XXXX Nissan has made a very significant profit on this lease, as well as Nissan Motor Acceptance Corporation, XXXX. XXXX XXXX. XXXX, Texas XXXX. Recently I received an Invoice for a Disposition Fee plus Disposition Fee Tax for a total of {$430.00} because I chose not to lease a new Nissan or utilize the option to buy the car I leased. After examining the Lease Agreement I found no mention whatsoever of a Disposition Fee anywhere in the paperwork. If I had seen such on the lease agreement I would not have leased the vehicle in the first place. For this reason I 'm asking you to contact Nissan Motor Acceptance Corporation and have this unacceptable fee waived due to non disclosure.

Company response to consumer: Closed
Consumer complaint received 01/20/2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: mycampuspartners has implemented a new " convenience fee '' if you wish to pay directly your checking or savings account. There was always a fee for paying with debit/credit card, but now there is also a fee for direct withdraws from your account. The only way to avoid this is to mail in a check, which, in 2016, is a bit ridiculous. This is a pure money grab as they do not incur fees for direct ACH deposits with withdraws.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Afni collection agencie for XXXX XXXX XXXX for the amount of {$140.00} showe 's on my credit report as negative i do not owe this money as we have had XXXX XXXX XXXX XXXX for years an it has always been under my wife 's name we have never been late they are still our provider .Would like to have this removed from my credit report .I know that this company has been reported before of trying to collect from people that do not owe an as being a ripoff

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am unsure of the school associated with the group of student loans serviced by Navient. What I am complaining about is the excessive times I am called during the day by Navient. Back in XXXX I informed Navient of the loss of my job and the denial of my unemployment compensation application. I have made payments and as of today I am approximately 25 days past due. This is no reason for computer driven calls to me at the rate of XXXX or more per day to take place. XXXX of these calls has taken place first thing this morning. I am a senior citizen and I consider this to be harassment. During XXXX of the calls yesterday I informed the representative that there was no change in my status since the day before, prior call, and that I asked to the frequency to be reduced or I will send a cease communications letter based on Paragraph XXXX of The Fair Debt Collections Act. I bring this matter to the attention of the CFPB as there may be other consumers that are experiencing this type of activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2016 about Mortgage (Conventional fixed mortgage) with WESTERN UNION COMPANY, THE (DE).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is through XXXX XXXX since it was sold to them in XXXX XXXX. I signed up with XXXX for their XXXX program at that time. I have had ACH withdrawal 's from my checking account biweekly since then. I come to find out now that this was not through XXXX XXXX they tell me it is through a company called Pay Map. I have never heard of Pay Map. The ACH from my checking states XXXX for {$700.00} biweekly XXXX states they get a Monthly payment of {$1300.00}, but I am paying {$1400.00} not monthly but biweekly. I am not getting the advantage of the biweekly payments when XXXX states they are getting their funds monthly and not even the amount I am paying. I knew nothing about another company handling my money and paying monthly, I would never have done that. This is not fair and I feel like I have been scammed. I cant reach this Pay Map Company until Tuesday XXXX/XXXX/XXXX but I will be canceling everything with them ASAP. What can I do or what can you do to help me. I feel they owe me money that should have been going to pay my mortgage off sooner XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was stunned once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 07/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone add me to his account as an authorized user when I do not want to be added.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Application, originator, mortgage broker

Complaint: Can not get a lien release from champion mortgage. They claim to have no record of me but I have a title search that shows they are a lien holder. I have had the same house and have always made payments. I believe this occurred when I refinanced to another company. They even filed the lien with XXXX county in which I live. I have tried numerous times to talk to them and they just redirect me to another company. I don't know what else to do?

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Credit card) with Miller, Stark, Klein and Associates (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Harrassing calls ask for copies to be sent to me to no avail threathing take me court calling my job. Address they provided did n't live there. Keep asking me for my bank information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Late fee

Complaint: Citi has a deceptive practice for notifying customers of past due balances. This practice maximizes fees, while leaving the cardholder with little regulatory recourse. I rarely use the credit card, and had not looked at the account recently. Without my knowledge, a charge of {$29.00} had been made to the account. After the account was 62 days past due, I received an autodial collection call to my cellphone ( which I did not consent to ) alerting me to a potential problem. The total fee accumulation was {$62.00} ( coincidently ). 

So now I have {$62.00} in fees, and possible negative credit bureau reporting over a {$29.00} charge that I did not make. If Citi was concerned enough to make a collection call after all the fees had been assessed ( day 62 ), they could have been fair and made an attempt prior to day 60, when it looked like payment was n't forthcoming. This would have provided me an opportunity to dispute the charge in writing ( per Reg Z ), and avoid the second late fee. The practice is unfair and unnecessarily drives up revenue, while leaving the cardholder with few options. 

To make matters worse, I called the collections rep ( via the number provided by the autodialer ), and she said that I could n't get help with my credit reporting concern unless I wrote to a P.O. Box. She said there was no number. After the conclusion of that call I tried the regular customer service number, and was placed on hold by the system. After ~35 minutes of being on hold, I hung up without the opportunity to speak to an actual person. 

Bottom line, I feel Citi maximized their fees at the expense of the customer, and failed to provide a reasonable means for exploring a solution.

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 10-09-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a follow up to my previous complaint regarding ARS Account Resolution 's ( ARS ) reporting of a medical bill on my credit reports. I have sent several disputes and requests for validation to ARS and the credit bureaus. However, ARS has failed to validate the debt, and stated in their response to my prior complaint that they are not obligated to send a signature or detailed statement. However, section 809 ( a ) ( 4 ) of the Federal Debt Collection Practices Act states that if the consumer notifies the debt collector that the debt is disputed, 'the debt collector will obtain verification of the debt or a copy of the judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector '. The same is re-stated in section ( b ) of the statute under the heading " disputed debts. '' Therefore, it is not enough for the debt collector to verify the debt themselves, they must also provide a copy of that verification to the consumer. Since ARS has not provided a copy of said verification, they can not continue to report this debt.

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 06-12-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NV).
Issue: Fraud or scam

Complaint: I was contacted by a repair company that did some work on my computer. they sad theywere going out of business in the US and they wanted to refund the money that I paidto them. If that was alright, All they needed me to do was to do was send a moneytransfer to XXXX with money they were going to deposit in my account. they deposited {$1300.00} in my savings account, I was to make a transfer funds to XXXX. for $ XXXXXXXXand keep the balance to pay for any fee 's. I checked with my bank to see how muchmoney was in the above accounts, I had not what I should have had. I tried to contactthem and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/XXXX I refinanced my condo with XXXX 
When they had the appraisal done, it appraised for {$620000.00}. I had several financial obligations that year, because of a nasty divorce. They told me I had to have a XXXX XXXX Balloon loan, with the Bank of America. I have had this loan since XX/XX/XXXX. The principal balance is {$75000.00} at a interest rate of XXXX %. My payment is {$650.00} a month. {$110.00} goes to the principal and {$530.00} is interest. 
I have banked with the Bank of America for XXXX years. I have had several credit card accounts and this loan. I paid all the accounts off and never missed a payment on this mortgage loan. 
I was forced to retire in XX/XX/XXXX, because of a buy out. I 'm living on Social Security and a small pension. I called the bank to refinance my loan. They told me that I could n't refinance, because I 'm not working. 
She said the only thing they could offer me was a modification plan. I filled out all the information they needed in XX/XX/XXXX. I finally received a letter of congratulations!!! I was approved for a XXXX Amortization Modification Program. 
With a XXXX month trial payment of {$290.00} stating that my monthly payment amount may change over the life of my loan and could be higher than the initial monthly payment. The interest rate stays at XXXX % and my credit score can be affected by entering into a trial period or accepting a permanent modification. 
I have not paid the trial payment, because I do n't want my credit affected and I do n't agree with this plan. 
The bank told me the only option I have is to appeal the modification. 
I called to appeal, and was told there is n't anything I can do!!!!! I asked XXXX about XXXX years of loyalty to the bank. He told me that even if I was in foreclosure or missing payments I would be treated the same. He said that the bank treats everyone the same way!!!! 
The banks were given options when they were bailed out. I 'm XXXX and worked hard to maintain my credit. I feel they are holding me XXXX, because they can!!!!

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 01/19/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have run into them taking extremely long to process IBR paperwork making my loans be in a forbearance status longer therefore collecting more interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Other transaction problem

Complaint: Purchased a code to a digital product and transferred funds using Bank of America 's mobile banking application - which is powered by XXXX. No disclosures, not addtional information on the process, etc. Called immediately to cancel transaction and was told by client services to let the transaction go through because the transaction could not be in a " pending status '' to reverse. Once cleared then make a claim against the transfer. I followed their instructions and then the Bank denied my claim. Called Bank, went into bank, and nobody is willing to provide service or back their endorsed product.

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 04/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhance collection company is showing in my credit report as representatives of XXXX. This account is not mine and when I call the collection agency they ca n't found records of it. Their phone number is XXXX XXXX XXXX XXXX XXXX. Enhanced recovery. So I want a letter from this company say that I have not debts with them and remove all the damaged they have done to my credit. 




An act to amend the Federal deposit insurance act to require insured banks to maintain certain records, to require that certain transactions in USA. 

The Fair Credit Reporting Act ( FCRA ) code section 1681 along with the Fair Debts. Please respond in the XXXX days period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southern Credit Recovery, Inc. (LA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: i have several collections for services i never received or authorized. from the southern credit recovery for {$830.00}, XXXX XXXX for {$6600.00}, {$1400.00}. also, XXXX XXXX for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any blood test to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks

Company response to consumer: Closed with explanation