milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I first signed my student loans, all were under XXXX XXXX. I was told by my college, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, that I would need several more loans to in order to graduate. I did not qualify for another federal loan, so it was recommended that I apply for a private loan. That was in 2009. Once I graduated and began making payments, I was told by XXXX XXXX that all of my loans qualified for Public Service forgiveness if I remained in a public service job for 10 years and made 120 on time payments during that time. I also applied for income based repayments ; I make FAR LESS than what the Department of Education thinks I do. For some reason they have decided to make their income based repayment plans based on what someone makes BEFORE taxes ; not after. I honestly do n't know how the people that work there can sleep soundly at night after making this decision. but I make the payments. I have been on this plan for three years. Each year I reapply for my income based repayment plans. Under XXXX XXXX this was not a problem. My loans have now switched over to Navient my problems have gone from bad to worse. They have decided to inform me that my private loans do not qualify for public service forgiveness, nor do they qualify for income based repayment. After THREE YEARS of being told otherwise. I make {$1600.00} a month after taxes. Navient takes around {$560.00} ( both private and Federal loans ) of that. that 's XXXX % of my monthly income. I 'm XXXX years old and have to live in my parent 's basement. I make more than what I ever have, and yet I still live from paycheck to paycheck. It 's humiliating and degrading. The one hope I had, The public service forgiveness program, has now been ripped away from me. It is unfair of the Department of Education and of Navient to demand such unreasonable repayments. I have all the desire in the world to get these paid and yet no one is willing to work with me so I can regain my dignity and actually feel like an adult while making these payments. If this continues, I will continue to be stuck in the same situation I currently am in.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Mortgage (FHA mortgage) with PLATINUM HOME MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been requesting Platinum Home Mortgage remove the PMI from my account since XX/XX/XXXX and I am always sent to a loan person to refi. According to everything I have read the PMI is only required to the loan to value has met XXXX %. I have been under that threshold since XX/XX/XXXX. However Platinum Home Mortgage continues to charge me PMI and when I request it be removed they claim I have not met the requirements. The facts are I purchased the home in XX/XX/XXXX at a value of XXXX ( loan amount of XXXX ) making the XXXX % value XXXX ( or XXXX if based off the loan ). I have been well under that mark since XX/XX/XXXX however the Platinum Home Mortgage continues to charge PMI even after I request it be removed. The appraised value is currently over XXXX and has been over XXXX since XX/XX/XXXX when I have began requesting the removal of the PMI. Please help me in having this corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have attended XXXX XXXX XXXX since 2012 sallie Mae used to be the lender of my student loans ever since XXXX took over I have had nothing but issues, anytime I call nobody wants to help, and the representatives I spoke with were extremely rude! I have been going through a financial hardship for over 6 months, they claim I do n't qualify for any programs or they do n't offer them, my husband was out of work and I was out of work and we just had a baby in XXXX, they disregarded everything I had to say and said I needed to pay something, I do n't want to neglect my obligations but I need help getting back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Savings account) with BARCLAYS BANK DELAWARE (GA).
Issue: Account opening, closing, or management

Complaint: Barclays Bank has blocked access to my savings account with over {$40000.00} in cash deposited.

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 06/25/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Account opening, closing, or management

Complaint: All of sudden, I received an ATM card from Citizens Bank on XXXX XXXX, 2016 and then another letter following day that welcomes me for opening an account with them ( which I HAVE NEVER DONE ) and asking for my signature. So I called the XXXX XXXX XXXX ( found on letter ). I told the Citizens Bank customer service how I have never opened an account with them and requested closing the account immediately but I was told I need to provide my social security number or somehow go to their branch somewhere in XXXX to get any help. Either that, just cut the ATM card. How that solves any problem knowing that an account is opened under my name without my knowledge and permission? I believe my 2 phone conversations with them is recorded. Prior to this, I have never even heard of Citizens Bank. I read online this is a very common phishing practice to acquire new customers. It 's very disturbing and worrisome. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I questioned an item on my EQUIFAX credit report. This was originally a dispute between XXXX XXXX XXXX XXXX XXXX ( XXXX ) and services provided by XXXX. I left the XXXX area in XXXX, and was not aware of the status of this claim until just recently. I requested that Equifax delete the item as the statute of limitations ( SOL ) in the case ( 3 years ), had expired. The case was filed by " XXXX '' on XXXX XXXX, XXXX. Equifax has not responded to my request. Furthermore, this item is not showing up on credit reports of other credit reporting agencies ( e.g. XXXX ). Can you help me to get this item deleted from the Equifax credit report and resolve this case?

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Unsolicited issuance of credit card

Complaint: Macy 's New York accessed my credit report / file without my permission. During a recent deposition ( within last 6 months ) where I have challenged Macy 's for adding my name as a joint owner to my wife 's Macy 's closed credit account for collection purposes, I was provided with a screen shot of both my credit details and my wife 's credit details accessed by Macy 's on XXXX XXXX, 2003. I did gave Macy 's permission to access my credit details nor did I apply for a credit card with my wife. My wife visited the Macy 's Department store at the XXXX XXXX XXXX in XXXX, XXXX and requested an individual credit card. I was not with my wife at the time was working in XXXX at the time. Statements initially were only in my wife 's name but at a much later date, unknown to either of us, Macy 's added me to the account. This action has had a negative impact on my job search and I have sought legal action through the courts.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: I disputed inaccurate Bankruptcy on my credit report with court was told they don't report to the credit nor do they verify any information with the credit bureaus. But the credit Bureau keeps reporting this as accurate. I have also received a email from the bankruptcy court & XXXX XXXX saying they don't report to the credit .The credit bureaus are violating the fcra also the fdcpa by reporting inaccurate information and can't provide valid information

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 02-12-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: Banamex /USA . This company refuses to handle my written responses. I have not communicated through EMAIL pertaining to this matter since reporting 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 explanation
Consumer complaint received 01-08-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been repaying the student loan for about 4 years now after it was left to go delinquent by the other party on the loan. Navient has been steadily raising the interest rate on the loan, now over 12 %. I have made multiple requests to have the interest rate lowered and those requests have been denied. Such a high interest rate ensure 's that I will likely default on this loan and ruin my credit. I have attempted to renegotiate this loan with other companies such as XXXX but since it is not in my name I am not allowed to subsume the loan. The other party on the loan has such poor credit they would not be allowed transfer the loan to a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Money transfer, virtual currency, or money service (International money transfer) with Trans-Fast Remittance LLC (MN).
Issue: Other transaction problem

Complaint: Remittance Institution : Transfast.com Destination Country : XXXX   Transfast Transaction ID # XXXX Transaction Date : XX/XX/2017 Money not received in recipients account. 

Upon multiple follow-ups with Transfast they finally agreed that money is with partner in XXXX and mentioned that funds will be refinded back to my account. 

IT has been more than 4 months now and I have not received funds back to my account. Please help -- -- -- -- -- -- -- This is last conversation with Transfast Hi XXXX, Thank you for contacting Transfast.com. 
This is in regard to your transaction XXXX. We apologize for the inconvenience. We already made a follow up regarding refund status. Once we receive any update we will send you an email. 
This conversation will be closed as your inquiry have been answered. 
If you believe your concern was not resolved simply reply to this email. 
For a separate issue kindly send us a separate email at XXXX. You may also contact us via chat or call our toll free number. 
Regards, Customer Support | eCommerce TRANSFAST Tel : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Try our mobile app available in XXXX and XXXX -- -- -- -- -- -- -- -- -- -- Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (I do not know) with Jvs group (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: JVS Group based in XXXX, Texas continues to violate the Fair Debt Collection Practices Act ( FDCPA ) .They continue to report an erroneous collection on my credit report ( XXXX ) and continue to fail to communicate with me after 3 attempts to notify them by US Mail. They are in clear violation of Statue 809, validation of debts. 

I have requested to furinish the name and address of the Original Creditor in all XXXX instances and all XXXX are now over 30 days without any response or communication. Additionally, I also disputed directly this erroneous trade line with XXXX only to come back as being " verified '' when in fact JVS as not supplied XXXX or myself what I requested within 30 days of the law. 

Additionally, this erroneous collection trade-in appeared without JVS giving myself any warning nor any opportunity to notify me that I have the right to dispute any debt. 

Additionally, they are also violating the Texas Debt Collections Act State Statue 392.304 number 4. 

Not only have they not communicated with me within the 30 days allowed by law, they have never notified me once nor within 30 days after request by mail, who the original creditor, amount owed is. 

As of Tuesday XXXX, XXXX, 2016, I have also file a complaint with the Federal Trade Commission and the Attorney General Office here in Texas. 

I have consulted with an Attorney and will file both a State and Federal lawsuit if this erroneous collection trade-line does not get removed from my credit file by close of business XXXX XXXX, 2016. At minimum, either myself or my attorney must have a AUD showing the deleting of this erroneous collection trade-in. 

Please let it be know that this also has caused massive financial harm which is another violation of not only the FDCPA but also the Fair Credit Reporting Act ( FCRA ). 

They have been warned and will be receiving complaints from addition regulatory agencies. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Greentree mortgage company gave us a loan XXXX years ago at a 12+ interest rate. It was a predatory loan that we paid {$700.00} a month on for XXXX years. When this home was purchased it cost us {$56000.00} after XXXX years we owed {$64000.00}. They would not adjust our interest rate because they said it was private investors. They charged {$55.00} a day for every day we were late on our payment. This practice should be illegal and they should not be able to try to collect this amount from us because we have paid the cost of the house at approximately {$110000.00} and still owe {$8000.00} more than the original price of the home. This debt should be forgiven and should not impact our credit rating

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Medical debt) with Community Health Investment Company, LLC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My son and I were both seen in the emergency room at different times last summer and fall. The hospital did not take our copay of {$75.00} at the time of service. We received bills from the hospital and paid them in XXXX and XXXX of 2016. Those debts were paid directly to the hospital.
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We have been contacted by this agency repeatedly, and I have told them that the debts were already paid. On XXXX XXXX, I faxed them copies of the cancelled checks and referenced the account numbers related to the charges. A representative from the agency had informed me that the letters and phone calls would stop once they received that information. We then received an invoice, dated XXXX XXXX, asking for payment of this charge. I informed them prior to sending the XXXX XXXX fax that further communication from them after I sent the fax would result in my filing a complaint, but they sent the invoice anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A. Received voicemails that were unclear. B. Received letters indicating different amounts of debt -- -1st {$600.00} then {$5000.00} ( approx. ). 
C. Never received statement of presumed debt from presumed original creditor. 
D. Never received notice of validation. 
E, An erroneous credit report was filed Company is Wakefield and Associates-XXXX, Colorado

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 11/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I was recently reviewing my loan contract because I do not understand how my unpaid principal balance is so high based on the amount I borrowed 4 years ago. 

I pulled all of my loan contracts for review and noticed a substantial discrepancy. The day that I took delivery of the new vehicle from the dealer, gap insurance I wanted was omitted, and you will notice that loan contract used an interest rate of 11 %. About 4 weeks later, I returned and was asked to sign a new contract that included the gap insurance, and the new loan contract appears to have an interest rate of more than 21 %. I do not understand this and believe I have been the subject of a bait and switch scam and also believe I have been treated unfairly and deceptively. 

Additionally, I asked someone who knows a lot more about these matters more than my husband and me, and he ran an amortization schedule for the loan. He seemed to think that the unpaid principal balance could be more than {$4000.00} too high. 

We firmly believe the car is so far under water, partly due to the potential incorrectness of the amortization schedule. 

My family is poor and we have lost my husbands income due to an awful workplace accident that has rendered it difficult for him to work. We barely get our bills paid, and I would like to know why the interest rate for this loan appears to be 10 points higher about 4 weeks after closing than it was earlier at loan closing and car drive away. 

Please help us. I can not afford an attorney. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( XXXX, experian and XXXX ) listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


XXXX & Experian that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX

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 03/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Dear Sir/Madam, My original loan was XXXX of which I only received a portion of books back in XX/XX/1990. Since then I have paid thousands of dollars, reconsolidated and the loan was sold again to navient which have added thousands of accrued interest to it making it a whopping XXXX. My school also violated terms of agreement by ( closing and not providing services as lifetime course entitlement ). If they closed and I 'm not getting what was promised why should this loan continue? 
I am considering a lawsuit as this is unjust and unfair interest practices during deferment and hardships.

Company response to consumer: Closed with explanation