milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been charged an interest rate on my student loan of 6.8 % for the last 5 years. I have repeatedly asked for a lower rate that was on par with rates within the free market and have been told no every single time. Moreover, the people that I have spoken with have stated repeatedly that it is the government that sets the rate and they have no control over how much I pay. My full repayment is approximately {$580.00} per month. This is almost as much as my home loan payment and considerably more than my car payment. More alarming is that I have been charged this rate of interest at a time when my car loan rate is 2.1 % and home loan rate is 3.75 %. I am currently paying interest only and at XXXX years old, I can not see a pathway to ever pay off the {$44000.00} I owe to for the " education '' I received from University XXXX XXXX ( another matter as it is a for profit organization ). I am a single mother of a XXXX year old son whom I have not been able to save a single dollar for his education and he will be saddled with my loan if something were to ever happen to me. I was scammed from the very beginning from the counselors at the University XXXX XXXX to the Navient collection process. I have a nearly worthless XXXX and am at a loss as to how to remedy the situation despite my many conversations with Navient. This is unconscionable and as a tax paying citizen I want to pay back what I owe, but at this rate, it will be nearly impossible. I started my higher education to improve my life as well as my son 's life and at the end of the day, I am saddled with a worthless degree and a loan repayment plan that is not even remotely manageable. I would like to add that at no time did Navient ever take into account any other bills that I have, like so many other students, such as home loan, car payment, utilities, child care, etc ... Additionally, if I am so much as a week late with a payment, Navient calls me repeatedly on my cell phone while I am at work. I have had to block them as they have called me so much and I have not missed a single payment, ever ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.

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 01/30/2017 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Cash advance

Complaint: I notified the credit card company that my daughter would be abroad in XXXX and would need the card for both purchases and for cash. I was told there was a {$500.00} cash limit per month and what the fees associated with the transactions would be. My daughter withdrew approximately {$200.00} in cash as well as made several purchases. Then, with no notification, the cash withdrawal amount was changed to {$0.00}. I did a complete search of the policies regarding travel abroad and cash limits on the website and read everything there was, and there is no stated policy available on the website. I have spent literally the last 2 hours on the phone with them and have been told 1 ) that " perhaps '' the cash withdrawal amount would go back to {$500.00} the next billing cycle 2 ) that maybe it was because I had a late payment XX/XX/2016 ( then why was the cash amount of {$720.00} still available XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016? ) XXXX ) that maybe it was because the account had been inactive for many months ( but why did n't they inform me of this when I spoke to them at length about the use of the card abroad before my daughter left for her trip? ) 4 ) the card was meant for purchases, not for cash withdrawal ( why did n't they tell me this to begin with? ) I was told the credit department would do periodic evaluations of all accounts and decide on cash limits, but they would not look at my account specifically. Had I known all of this, I would have chosen another card to send with my daughter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Other

Complaint: I have tried numerous time disputing inquiries with bureau stating that I did not apply for a job or was granted credit with these people and wanted them removed told them I tried sending letters to creditors with no response ....

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 08/16/2016 about Debt collection (I do not know) with Firstsource Advantage, LLC (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call on my personal cell phone about a week ago from a company identifying itself as " First Source Advantage. '' They asked for a person by name, who used to be my roommate but died this past XXXX. Before his death we shared a phone number for our land line, but that has been disconnected. I explained to the caller that the person was deceased and they had called my personal cell phone. 

Today I received another call from the same company, again asking for my deceased roommate. I told them again that he died in XXXX, and their representative essentially accused me of lying. 

I provided the caller with information about the estate and a phone number for its personal representative. I also instructed him not to call my cell phone any further. But I should not have had to make this request more than once.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: APR or interest rate

Complaint: I applied for an American Express Business Credit Card and received it. The card had an introductory interest rate of 0 % for over a year. I got the card to purchase equipment I needed for my business to save on the interest the equipment company was charging. Not even a month later from receiving the card I received a text that my payment was past due a couple of days. I had not received my first bill from them or any other notification that the bill was already due on the card I had just received. I believe the first payment was 4 days late. American Express then raised my interest rate to over 20 % on this brand new card that guaranteed a 0 % interest rate. I have contacted them several times to dispute this and they refuse to honor the interested rate stating that because I was a few days late on my first payment that they can forfeit that offer. I never even received a bill or notice. The interest it costing a small fortune I can not afford to pay right now, hence the only reason I got the card in the first place. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANKUNITED, NATIONAL ASSOCIATION (MN).
Issue: Application, originator, mortgage broker

Complaint: As a XXXX-year old wife of a XXXXyear old husband, I had, in XXXX XXXX, 2004, and, currently, have an interest in a second home XXXX. My husband took out a loan on this second home in XXXX of 2004 as a married man, and was in title under the same. I have come to find out that my name should have been acknowledged and my signature added to the Borrower 's Affidavit as an interested party who may assert a claim and it was not. I am now in a divorce and was not made aware of this debt until recently which has put me in a compromising position that will ultimately affect my retirement savings.Technically, my husband 's homestead is in XXXX the jurisdiction of the divorce. For this reason, I would like to speak with someone about the falsified Borrower 's Affidavit and how this issue can be resolved. This is a residential property and I should not have to obtain counsel. I note that the title company that handled this loan closing was XXXX and currently their status is " forfeited ''. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Late fee

Complaint: I received a letter from Citibank on XXXX/XXXX/2015 stating that my Home Depot Credit Card was overdue and that the original charge made in XXXX, 2015 was for XXXX. Now with late fees it was {$220.00}. and some odd cents with late fees. 
I immediately contacted the number on the back my Home Depot Credit card to see what was going on. I did not remember owing Home Depot anything. I asked for a copy of the original receipt that I signed or copies of the bills that I supposedly received by email. They said I had opted to get my statements by email. They told me I would have to contact Home Depot for that. I contacted Home Depot and they told me to contact Citibank. So then I contacted the office number on the letter I received from Citibank. They told me that they could only remove one months late fees and I talked to a manager and he told me the same thing. So I paid {$180.00} that very day to clear this up immediately. 
1. I did not recognize Citibank as a credit card that I had when I kept getting calls from them. 
2. My husband checked on-line about these calls and saw that these were Home Depot credit cards and they had been hacked so he informed me to ignore what I thought were robocalls. 
3. I did receive copies of statements and the original receipt about a week later, but no copies of emails they supposedly sent. No alerts by email. In the meantime I wrote to the CEO, President of Citibank but have not heard back. 
4. I have issue with the fact that it took 5 months for them to contact me by mail regarding this account being overdue. One way to collect a lot of late fees in my opinion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: A collection account was added to my credit report on XX/XX/2017 by a collection agency named XXXX XXXX XXXX at address XXXX XXXX XXXX XXXX, MA XXXX and telephone # ( XXXX ) XXXX. I am reporting this collection agency due to the fact that XXXX XXXX XXXX does not currently have a valid license in the state of GA to collect on debts. This information on the Georgia Secretary of state website states that their license is currently dissolved or expired. I am requesting that you investigate this matter or have XXXX XXXX XXXX to please provide me with proof that they are licensed to collect debt in GA. Thank you so much.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been trying to get on a payment plan to pay off my student loans and they keep making it so the payments are way to high for me to pay. When I call to tell them this they tell me that I can do a forbearance and have no payments for 6 months while my interested keeps rising. All my attempts to try to get a decent payment to start paying off my loans go ignored but, they are very quick to keep putting off my payments. It 's extremely hard to get through to them and everything has to be done online and there are so many emails steps that you get to a point of utter confusion about what is happening. The payment page is the same way, I have XXXX lone that is {$25.00} and would like to pay that XXXX off but, you have to pay and wonder where they are going to apply the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree/Ditech financial group sent me a repossession notice appx. 30 days ago for an insurance amount that was cancelled the date it was paid off. The original amount was XXXX, but the repossession amount on the letter was for appx. XXXX. A payment of XXXX was sent via XXXX on XXXX XXXX, XXXX. Payments were posted as follows : XXXX : {$29.00}, XXXX : {$29.00}, and XXXX : {$120.00}. I received another repossession notice today stating that a payment received of {$29.00} was a partial payment and they were continuing with the reposession ( which should be in the next 48 hours ). The loan was paid off in XXXX of XXXX with a remaining bal. of XXXX. XXXX principal, XXXX interest and XXXX insurance. Original note was 15 yr. simple signed in XXXX XXXX. There were approximately XXXX to XXXX deferred payments. Does n't add up. I have a XXXX XXXX XXXX Grandson to raise and it would be nice to come home to a house sitting on the property tomorrow. Please help. I am uploading several forms at this time for the immediate problem. Copies of all other documents are being copied and printed. I would be happy to send them to you showing loan payments etc. It is a large file and would either need to be sent on a flash drive or printed. Please let me know which will be most convenient.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 settled 3 XXXX card accounts with a collections agency around on XX/XX/XXXX of this year. None of my reports updated so I submitted a dispute with all 3 bureau 's. XXXX  and XXXX updated my accounts within a week of my dispute as they verified with the collections and XXXX that my accounts were paid for and had no outstanding balance. 

Equifax on the other hand closed my investigation saying XXXX reported to them that I still owed money. I have paperwork mailed to me from XXXX saying the accounts are paid off as with the collections agency paperwork saying the same thing. The other two bureau 's verified this information. I also faxed my documents to Equifax. When I was told I still owed money, I asked if they had seen the paperwork I faxed. The lady had not and did not even know i faxed them anything. It appears that Equifax either did not do an investigation or is lying. I had to initiate a re-investigation with Equifax. I am not confident in this re-investigation as they seem to be grossly incompetent. I do not trust them to handle the simplest of tasks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Sale of account

Complaint: I wanted to report that a Sourh Carolina magistrate judge granted Portfolio Recovery Associates a {$2000.00} judgement against me today even though the lawyer representing XXXX had no original account documentation and no chain of custody from the party they claim was the original creditor, XXXX Online bank. The account was opened according to their records in XX/XX/XXXX. Their evidence was three statements. One from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PRA claims they purchased the account from XXXX XXXX XXXX and they simply provided an assignment of a portfolio number. I argued that I did n't even know the original creditor and there was no chain or custody from them to XXXX and no original paperwork showing my signature or the terms. I cited a civil suit that the consumer protection agency won against the law partners of XXXX stating that they are now required to show original account level documentation and a complete chain of customary. The judge allowed a notarized affidavit from a representative of PRA to be used to establish the accuracy and authenticity of their claim although the rules I received from the court said no written witness statement, even notarized were allowed. The judge would not even review the civil case and admonishments from the consumer protection agency against XXXX and quickly ruled against me because I acknowledged I once had a XXXX account. I argued the amount was not verifiable but he did n't care. Does the case you won against them have no meaning for future consumers being affected by the same shoddy, unethical practices? The judge said even if I had won today I would have had to come back for a trial and prove the debt was not mine! And the amount was n't right. How do you defend against that? It 's like if they say you owe them, you do. As far as I can see, PRA, who was also fined and admonished by the consumer protection agency and cooking and winter are back to business as usual and still winning.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (KS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: NCC Business Service collecting for XXXX XXXX XXXX for daughter 's apartment rent. I ( XXXX XXXX father ) was on the original lease. Lease expired, under pressure daughter signed new lease ( XXXX XXXX did not ). Daughter moved out XXXX charged daughter XXXX XXXX with breaking lease. Sent lease collection to NCC. NCC/XXXX have XXXX XXXX under collection but he is not on the lease. XXXX cant provide proof XXXX XXXX was on lease but still not changing credit score. NCC will not provide proof of lease either.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: Regional Acceptance Corporation in XXXX Ga is the worst I do not want to include my name because they may continue to harass me. But that Supervisor XXXX XXXX is horrible she does not know how to talk to customers and I hate that I asked for a supervisor. She is nasty, rude, and very unprofessional and I do not know who hired her she is nasty. I have spoken to her maybe twice at the end of the month and she told me one time that well maybe you ca n't afford the vehicle and it 's an affordability issue. Life happens and things happen and I know that I took out this loan but for her to talk over me while I was trying to explain what was going on and she just cut me off so disrespectful. I told the young lady that I was talking to not to transfer me to her, but she insisted. They can just come get the car if she has to be that rude.

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 11/14/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (DC).
Issue: Problems caused by my funds being low

Complaint: TRANSACTIONS, NONE. I did this XX/XX/XXXX after M & T bank beat me for {$80.00} on a technicality. Despite having definitively placing my account in a no overdraft protection status. M & T has once again paid something on my account and are attempting to justify charging me nsf fees for the overdraft by claiming this as a recurring payment versus a one time payment. Which it is n't and never has been. I pay this manually based on the months that I want the service, if you notice on the account for this vendor, it 's paid on different dates of the months that I use the service. When I placed my account in a status of declining overdraft protection, M & T bank did n't tell me I needed to specify transaction types in which I wanted no overdraft protection. No overdraft means no overdraft, does n't matter the type of transaction.

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 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MOHELA (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Concerning case number XXXX : Today I learned from a fellow employee that a representative from MOHELA talked with my co-worker over the phone and the MOHELA representative asked my co-worker about my location. This is extremely troublesome to me. How can this sort of activity be legal? This is absolutely unethical behavior by MOHELA.

Company response to consumer: Closed
Consumer complaint received 12/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I had checking account that was transferred from late Wachovia bank to Wells Fargo. It was originally no fee checking account. After I made few withdrawals I did n't touch the account. The bank started to charge extremely high fees of {$25.00} a month for a positive balance. The charged me approx. {$500.00} in fees, until all funds were gone, and shut down my account.

Company response to consumer: Closed with explanation