milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: navient XXXX was told i could get my co signer off of it after paying 9 x in a row didnt happen, they stopped taking money from my account after the 9th month and still continued to call. split my loan into alot of small loans to subsidiaries and call me all day from all kinds of different companies that i do not know/trust and will not answer. Took my loan out of default, then it instantly changed hands to another company within navient and is currently harassing me with phone calls XXXX. paid a fee back in XX/XX/XXXX or XXXX, to consolidate my loans ( private ) into XXXX loan and they did nothing. Was told when i first started college that I would only have XXXX loan instantly had XXXX i didnt know about till i graduated ( mostly XXXX 's fault. )

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Home equity loan or line of credit) with WESTERN UNION COMPANY, THE (NM).
Issue: Settlement process and costs

Complaint: I received an expired refund check with my name misspelled and wrong address from Paymap Inc. representing XXXX form agreement between Paymap Inc. and the Consumer Financial Protection Bureau ( CFPB ) Agreement for program fees paid between XXXX XXXX, XXXX and XXXX XXXX, XXXX. Consent Order XXXX File No. XXXX. 

I was instructed to call XXXX and was directed to email XXXXXXXXXXXX for my refund concerns. The automatic reply was : The deadline has passed to request a reissued check. If you have any additional questions to call XXXX and not to reply to email. I called XXXX back and was directed to same process without resolution from customer service. 

Unable to get resolution, I went to search for expired check repayment policies from paymapredress.com website Commonly Asked Question : My check is expired/I lost my check. Can I request a new check to be be issued? Answer : Yes, please contact the XXXX XXXX Customer Service Center at XXXX. You can also request a reissued check by sending an email to XXXXXXXXXXXX. The website did not specify a deadline for check re-issuance which is not consistent with the e-mail reply I received. The solutions offered by Paymap were vague to have check re-issued to me, this is the reason why I had to file a complaint with CFPB to assist me with this reimbursement issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I received correspondence from Equifax dated XXXX XXXX, and XXXX XXXX, 2015 with XXXX different confirmation numbers and different result outcomes. 

Confirmation XXXX Basically states that Account # XXXX The results are : This information was duplicated, and therefore it has been deleted. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX Confirmation XXXX Basically states this Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX So I need to know what are the actual results????

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Leviton Law Firm, Ltd. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Calling with false information on a former business that closed over a year ago. Continues to call, hides phone number with private numbers and is just generally rude and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Student loan (Federal student loan servicing) with Ceannate (NJ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I had a XXXX over the last 3 years and during that time was unable to remember many events and situations. At the time I did not have medical insurance and was left with significant medical bills of which some went in to collections, lawsuits and judgments. I will be paying on these for some time. 
This was all explained to the DOE prior to them saying they would send me a " Hardship Form ''. There apparently was a loan I signed for account # XXXX serviced by XXXX XXXX from The Department of Education. 
After I called the Department of Education on this loan and was told it went into default. I spoke to them about bringing it out of default and said they would send me a Hardship Form. As it turns out it was a deferment form so I called again and they said to just send what I could. Within a few days the Department od Education apparently placed this account into collections with a company called FMS. This company called me 5 times over the next five days and I told them not to call me anymore. I requested they only contact me in writing after checking their records of consumer complaints. 
Now the original amount of the loan was {$41000.00} interest due on this Parent Plus loan to date is {$4500.00}. FMS added {$11000.00} to the amount owed to DOE! How is that even possible, I almost had a XXXX when I got this letter. How is this possible that within one week I could go from owing {$45000.00} to {$57000.00}? 
Please help me straighten this out as this company is not going to treat me in a fair manner, at least that is my first impression. I would be happy to supply you a copy of their letter. I was going to send a certified letter to dispute the {$57000.00}, please advise. 
thank you, XXXX XXXX XXXX. 


These fees can not possibly be legal and the cavalier manner in which the DOE just forwarded this account to a collection company is not right. I have formal payment plans with the Internal Revenue Service and the State of NJ for back taxes while I was in the hospital and recovering. The treatment I received from both agencies was far better then this situation. FMS was constantly auto-dialing me at all hours of the day and evening. I have written times and various numbers they called from. Sometimes as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXX with reference #XXXX The second one has a filing date ofXX/XX/XXXX with reference #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 02-03-2016 about Bank account or service (Checking account) with DISCOVER BANK (CA).
Issue: Account opening, closing, or management

Complaint: Back in early XXXX of 2015, I saw a promotion for Discover bank where if you have a Discover credit card and never had a Discover checking account, you can use promotion code " XXXX '' to open a new checking account, and after XXXX direct deposits, the bank will issue a {$300.00} bonus into the account. 

I had a Discover credit card and never had a Discover bank account, so I signed into my Discover credit card account online and tried signing up for a new checking account using the said promotion code. Discover bank 's system accepted the promotion code as valild, that 's when I decided that it 's a really good deal and went on to complete the enrollment process. 

After making XXXX direct desposits as required, I called Discover bank to see when I 'll be getting the bonus cash from the promotion. That 's when they told me that I actually do n't qualify for the promotion, because after XXXX/XXXX/2015 they changed some fine print to make the promotion a " targeted '' XXXX, and since I 'm not on the target list, I do n't qualify, even though the promotion code was accepted during enrollment " because it 's a valid promotion code '' they say. 

From a consumer 's perspective, the fact that their system accepted my promotion code as valid during the enrollment process should mean that I qualify for the promotion. If I did n't qualify for the promotion, their system should have indicated as such, so I would n't be led to believe that I qualify and go on to enroll for their product believing I 'm getting a good deal. I have also never received any communication from Discover Bank after the fact to let me know that I did n't qualify for the promotion. Any other reputable online store I go to, if they accept a promotion code during checkout, that means I qualify for the promotion. I have never seen any other company accept a promotion code as valid " because it 's valid for other people and not you '' and never send out any communication to let a consumer know what 's going on. 

I feel that Discover Bank 's actions are misleading and deceptive. Their system led me to believe that I 'm getting a good offer and tricked me into enrolling in their product. They led me on further by never communicating the fact that the promotion code they accepted as valid is actually not valid, so that I would start direct depositing my pay checks into the new checking account with them. All the time wasted and emotional distress aside, I 'm seeking for Discover bank to honor the promotion and credit me {$300.00}. 

Thank you for your help looking into this case.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (I do not know) with MNS & Associates LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Contacted family members on numerous occasions via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Dear Sir or Madam, I applied for  a Citi / AAdvantage Platinum Select World EliteTM Mastercard credit card (    XXXX   XXXX   XXXX   ). If I spent {$1000.00} in 3 months, I would receive  XXXX  AA miles. I did follow the requirements but I did not receive the miles.   XXXX  I would really appreciate if you can help me get my miles back.   XXXX  Thank you  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 04/14/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Delinquent account

Complaint: I had a credit card with Bank Of America, it was in delinquent which the company worked with me to pay the credit card and all fees in full. The agreement was to pay Bank of American in installments once paid the negative trade line will be removed from my credit report. I paid it off XX/XX/XXXX. Bank of America change Status to Closed Never remove the Negative trade line. Ive called Bank of America XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX every time I ask them to remove the negative trade line every department has stated its already been Removed and updated. That 's not true I just pulled my credit report on XX/XX/XXXX and its still effecting my credit. I just wish Bank of American hold up to what I was promised which was to delete the Trade Line.

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 02-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was told there were no alternative options for repayment of my loans when i first graduated with my XXXX degree by several representatives at Navient. I felt like continuing my education was the only option to avoid default. I have now recieved my XXXX degree and asked for manageable payments only to be told, they have to have at leaset 10 % of my discretionary pay.. this is insanely injust considering my personal situation. I have been told by the company several times they put me in forebarance and am given the standard repayment terms but they do not work for me. If i pay per the terms they are offering i will lose my house and transportation. Please help me get someone to assist me with arranging manageable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Debt collection (Auto) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The are calling me from different numbers, texting me, and emailing for a a payment on my car. Threating to repo my car pull my contract, just harassing me, and it starts before my payment is due and the worst part they report to the credit bureau and they have not reported me late one time so im not understanding why all the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: FRAUDULENT FORECLOSURE : I TOOK OUT A LOAN BUT THEN MY MONTHLY PAYMENT INCREASED TO AN AMOUNT THAT WE DID NOT AGREE TO. I TRIED TO DEAL DIRECTLY WITH THE BANK BY DOING A LOAN MODIFICATION BUT EVERY TIME I HAVE TIRED, THE BANK KEEPS ASKING FOR DOCUMENTATION THAT I ALREADY HAVE SENT TO THEM. ALL THIS TIME IT SEEMS THAT THEY HAVE KEPT ME ENTERTAIN DOING A LOAN MODIFICATION BUT IN REALITY THE BANK JUST KEPT MOVING WITH FORECLOSURE PROCEDURES. THE SALE DATE IS SCHEDULRE FOR THE XXXX OF XXXX OF 2015 BUT THE BANK HAS NOT SHOW ANY SIGNS OF GOOD FAITH TO TRY TO RESOLVE THE ISSUE IN A DIFFERENT WAY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 07/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: Wa Mu gave me a loan of XXXX and a second of XXXX. I put down XXXX cash. I was led to believe this was a good mortgage. It was not until I went to refi ( my loan is 6 per cent interest only ) that I found out it is not XXXX XXXX or XXXX XXXX. Chase bought out Wa Mus loans but they refuse to re fi me. This is not only unfair, it should be illegal. I am XXXX year old XXXX vet and I need refi badly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX Account # XXXX XXXX XXXX , Mo XXXX XXXX No contract No signature

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Vehicle loan or lease (Loan) with SOUTHERN AUTO FINANCE CO (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: In XX/XX/XXXX had an accident XXXX XXXX XXXX financed by Safco was a total loss.This was report to Safco by my insurance in XXXX XXXX I had been trying to contact with no luck sent from person to person left messages on answering machine no call backs.my insurance had very hard time communicating and receiving documents back from these people.Then in XX/XX/XXXX I became upset with XXXX help located email for them we had been trying to reach up until them.they accepted a settlement which had to be redone because of poor job Safco did they misplaced paperwork now trying to charge me extra fees on top of settlements from XXXX and gap and my rwarranty refunds these took care of full balance owed on vehicle. After They tried to charge me over {$5000.00} I filed complaint with BBB because I m being XXXX XXXX XXXX quickly calls in response and rudely tells me that I still have loan with them and I need to pay XXXX I 'm filing this because there statement to bbb was that their making adjustments and I need to contact them.Any extras are their own fault poor processing of this claim.My acct # XXXXim attaching time line of communication shows how hard it was long they waited to respond.My gap insurance had the same problem. XXXX tried to help as much as possible.But Safco is just a ripoff company trying to get extra fees this company tend to do this when contract is ending.I need to know why I 'm being double charged fees.Also they reported this to credit bureaus. I disputed it but Safco continues reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Mortgage (VA mortgage) with AmeriHome Mortgage Company, LLC (CO).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX, our mortgage was reinstated through the trustee. We are still getting hang-up calls from the mortgage company, and have contacted their attorney after calling about being able to make the XXXX payment. The representative said we were still being foreclosed on, and hung up yet again. We spoke with the Mortgage company 's attorney, who said the case has been closed since the XXXX of XXXX, and that we were good, so why are we still having these problems with this awful mortgage company? AMERIHOME Mortgage Company is the most disorganized XXXX show I have ever seen. We are still waiting for them to fix payments that were " LOST ''. We almost lost our home because of this company who bought out our mortgage, and to top it off, some guy comes to our house today to do an appraisal, which we turned down, from some bank in NJ. Why are laws not being followed? Why does this company have no regard for business practices, ethics, laws, and integrity? And lastly, why is no one doing anything about this horrible company? Not to mention that they have illegally had our house for sale for 74 days now. Proof XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Payday loan () with Risecredit, LLC (SC).
Issue: Applied for loan/did not receive money

Complaint: I was checking my credit report with XXXX, and I l seen an hard inquiry that was not done by me ... Rise is the name of the company, I have disputed this inquiry several times with this company and they still refused to take this inquiry off of my credit report. I have fax letters and also told them that I have identity theft on my report. They still have n't shown me proof of me signing anything in my own hand writing. I have applied for several jobs and was turn dwn because of this hard inquiry. All they say is that the hard inquiry is mines base on my name, and address ... I want this inquiry DELETED/REMOVED off my report ASAP. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (FHA mortgage) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Credit decision / Underwriting

Complaint: I am not getting updates, file requirements/needs or accurate disclosures. I feel as if there is file discussions going on while I am not being informed timely or being informed of what I need to prove or show to get a clear to close. The last email from the credit union that was not prompted by me requesting a status update was XXXX XXXX and today is XXXX/XXXX/17. XXXX If I need a certain figure in my checking account maintained for a certain period I need to know this. My payment is still estimated over what it should be and I have no clue how anything is going with my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on XXXX, XXXX, Equifax and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Debt collection (Credit card) with TekCollect Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt of {$500.00} that was owed to tekcollect representing XXXX was payed directly to ccac aproximately 4 months ago. They informed me that tekcollect would be notified. According to XXXX the debt has not been resolved and is still negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been going through the hardship process with CITI for over 11 months. Every time I submit documents I receive an email telling me they have everything they need. After a few weeks I receive another email telling me they need more information. I have sent over 18 emails with documents. I have complied with their every request. This was after my original contact stopped communicating and they told me the file was closed. This entire process seems geared towards making me give up so they do not have to do anything. I have continued to make my payments and work hard to not fall behind. I have requested phone calls from management and still have not received any.

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