milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended the XXXX XXXX school located at XXXX XXXX XXXX, XXXX, PA XXXX. To attend this for profit school I had to take out private loans. Theses loans were at extremely high interest rates because I was a young adult with no established credit history. Some of the loans interest rates were as high as 13 %. I am not asking to have all of the loans forgiven. I am just asking for some reprieve on the increase in the loans due to the insane interest rate over the years. I last attended and completed this school in 2006 and I have been dealing with the pain of making payments on a loan that will never go away because of the high interest rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2017 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: Account status incorrect

Complaint: In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the three months for forbearance are now being reported as 90 days late. This has tremendously brought down m y credit score. I sp oke with the Ombudsman from  XXXX  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue  XXXX  of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Inaccurate information still in credit report

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 02-09-2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I signed up for BBVA Compass's Mega Blitz promotion in which I could apply online for a checking account and receive $XXXX if I completed a direct deposit within 60 days of opening my account. I opened my account on XX/XX/XXXX, and completed a direct deposit from my employer on XX/XX/XXXX. Per the terms of the offer, the $XXXX  should have been deposited into my account within 60 days of the direct deposit, i.e. XX/XX/XXXX. I haven't received this bonus. I have contacted BBVA on XX/XX/XXXX to find out the status, but never heard back from anyone. I have attached a print out of the promotion information when I signed up for the account for reference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Problems caused by my funds being low

Complaint: I am new to USBANK and am very concerned with their unethical ways of charging overdrafts. I have had several instances where I will have a total of {$100.00} in my account and my total charges come to a total of {$110.00}, XXXX leaving me with a negative balance of - XXXX I accept blame for this but where their practices seem shady is where they will charge me {$36.00} overdraft fee for EACH item that comes through within that time frame .. instead of XXXX over draft of {$36.00},. they tell me they are charging me for EACH item they had to pay for in that time frame. Even though they already " pended '' out all current charges and subtracted them from my available balance so they could not be used and that XXXX transaction caused me to overdraft .. they charge me for MULTIPLE overdrafts. Now, i understand they had to pay the negative item transaction that came through which made a difference of negative {$10.00} that there was not sufficient funds in my account to cover it but to tell me they charged me {$36.00} for transactions that I clearly had money in there to cover all items besides XXXX is ludicrous. They then charge me an additional {$180.00} XXXX XXXX overdrafts at {$36.00} each ) causing me to become more in debt and then more overdraft fees. I already live in poverty and {$180.00} can go a VERY long way. I have talked and emailed a formal complaint to USBANK themselves with no help. I talked to a customer care rep today by the name of XXXX and she tried to explain the overdraft working of their bank. This did not help and left me more confused. XXXX instance is, my account statement clearly states I had {$23.00} in my account when a debit charge came through for {$8.00} leaving me with an available of XXXX I was charged {$36.00} overdraft fee leaving me with a negative balance of - {$20.00} which in turn caused a {$7.00} transaction to be hit with a {$36.00} overdraft fee. When does it end? I now know the reason why more people are using re loadable visa cards. Their online banking is also very confusing to which I think is on purpose to collect more overdrafts. They also told me the monthly statements do not reflect how the transactions are taken out of my account? How is this possible? and how is it possible for me to see what is going on with my OWN MONEY when they do whatever they want. Please help.

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 11/30/2015 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XX/XX/2014 I had advised these XXXX companies National Collegiate Trust and American education Services who administer the loan for National that this account was an Identity Theft. I have sent them numerous packet of affadavits and police reports regarding the theft and their own paperwork that shows that my signature was forged. I have sent numerous letters to the Vp of Loan Operations I have even put complaints in on this site and they still have not responded nor have they taken the information of my credit report. What they have done is send the account to XXXX different collection agencies that harrass me about this account until I send them the identity theft paperwork. I have also filed complaints with the board of ed and federal trade commission. But to no avail. I feel these companies are just scam companies and should be put out of business!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: XXXX is not fulfilling their representatives promise. 
Before I applied for a credit card from XXXX i inquired if am eligible for the welcome bonus as i may have the card previously and the terms state that you are only eligible of you did n't have the card. XXXX Representative assured me that i am eligible. I explained that i am only applying if i am eligible and the Representative assured me that i am eligible. This took place in chat id XXXX. 

After i received the card american express denied me the welcome offer stating i had the card already. 

card # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing the loan or lease

Complaint: My husband signed for a car loan on XXXX/XXXX/15 first payment due XXXX/XXXX/15. He inquired by phone about a concern if the payment electronically went late. He was NEVER told he had a grace period of 10 days. His VA checks goes into his cu acct on the XXXX of every month and so the XXXX is fine without any change to the XXXX of the month for an electronic payment to occur.. The representative for the finance company by phone went and changed it to the XXXX of the month. We set an automatic payment on XXXX/XXXX/15 for payment the XXXX of the month and was reassured that it would be on the XXXX but it has changed to the XXXX plus additional XXXX added to the loan.We have tried to reverse charges of this and to restore to the original payment date and have called numerous times without any resolve. The representative encouraged a payment change date rather than explaining that if a payment did not reach them electronically as scheduled or payment received within the next 10 days he would not be facing a late charge, instead told him to pay XXXX along with his monthly payment and his due date would change to the XXXX or we could add it to his loan. He was discriminated by age and lack of financial knowledge. This representative took advantage of this and encouraged him to change the due date so that she could acquire this transaction. I called and was told a return call within 48 hrs from a supervisor and no call. I called again and was told 3-5 business days I would get a return call. Most financial companies are fair and usually give you all of the information as needed but this one was a mistake to borrow from with the intent to have scrupulous phone representatives that are conniving.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (NM).
Issue: Loan modification,collection,foreclosure

Complaint: U.S. Bank Home Mortgage has made it extremely difficult to allow me to get caught up on a few missed payments for my mortgage. U.S. Bank Home Mortgage has committed dual tracking, in violation of the CFPB rules. U.S. Bank Home Mortgage has drawn out the loss mitigation process while at the same time filing for foreclosure in New Mexico 's XXXX Judicial District Court. To date the process of getting a loan modification has taken XXXX months. During this time they have made it extremely difficult to get a loan modification by requesting additional documentation for a loss mitigation packet that was not initially asked for. When complete documentation ( pay stubs, child support, etc. ) was sent in, I was told that next month that they needed something in addition to, plus the previous documentation. 
U.S. Bank acknowledged in a letter dated XXXX/XXXX/2014 that they had a facially complete application for loss mitigation, but still filed a foreclosure proceeding. I was in court yesterday for a scheduling conference for the Foreclosure and presented a letter from U.S. Bank proving that I had finished the trial payment plan and that a loan modification was in process. The Judge ordered a XXXX day stay of the proceedings so the loan modification paperwork could be finalized. 
Unfortunately, I have spent a lot of time and money defending this foreclosure in court. This also has been very XXXX on me and my family because of the worry about losing our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sometime in XX/XX/XXXX or XX/XX/XXXX I rented an apartment for my Uncle XXXX. After 2 months the apartment was broken into through the sliding glass doors. After only another 30 days XXXX 3 months into the rental agreement XXXX the apartment was broken into again and this time the XXXX busted in through the front door. After speaking with the police and the property manager, the property manager agreed to release me from the lease without any penalty and I signed a paper stating this fact and went about my business. I recently discovered an account for over {$4000.00} on my credit report for this. After contacting XXXX about this directly they told me that I had not paid the bill due to my having child support issues. Well, I have no children and no child support, so I am not sure if they have the wrong person or what is going on with this account. However, I know that I do not owe a bill to XXXX or any collection agency collecting on behalf of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a {$140.00} unpaid charge for a gym membership I paid for. I never missed a payment. I want continuously charged after I gave written notice of quiting the gym. I successfull had to dispute the charges though by bank XXXX, but a single charge remains for the month of either XX/XX/XXXX or XX/XX/XXXX that has been paid.

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 10/23/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Application, originator, mortgage broker

Complaint: I received a letter from Caliber Home Loans ( current mortgage company ) regarding the opportunity to refinance and lower payments, get cash for home repairs, etc. We need some kitchen updates, so I called and spoke with XXXX XXXX just to inquire and see if it would be beneficial. Just wanted to see what the cost would be and get an estimate. She said she would need to do a credit check to get numbers for me. She verbally gave me a couple of options and then said she would send something in writing. Next, she sent a loan application requesting electronic approvals from me and my husband. It had incorrect numbers, including initial loan amount and other incorrect info. After looking at the figures, I decided it was n't a good time to move forward. I replied to the email she sent with the application and told her that we were not ready to move forward at this time. I 'm certain she read my email. In a couple of weeks I received a letter asking for some clarification on some items on my credit report. Since I had told her we were not moving forward, I ignored it. Then last week, I received a statement from Caliber saying that they had reviewed our application and did not approve it. Imagine my shock that XXXX XXXX had apparently sent the application through without the approval, knowledge or consent of me or my husband! Perhaps she has a quota or is compensated for processing loans. I called the company toll free number XXXX and left XXXX messages asking someone to call regarding this and left my cell number. No one ever returned my call. My biggest concern is that this will go on my credit report that I was turned down for a loan that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Wells Fargo Home Mortgage is incorrectly reporting my account 's current status as " 120 days late '', even though the account was transferred to another company and the balance on this account is now XXXX. It is obviously not possible for the account to be currently 120 days late and delinquent if the balance is XXXX and has been XXXX for over a year. I 've attempted to dispute the information with all 3 credit bureaus and they tell me they can not change this because it is what Wells Fargo is reporting. I 've also contacted Wells Fargo, who refuses to admit they are reporting the account incorrectly.

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 01-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My and my ex girlfriend had a lease in XX/XX/XXXX to XX/XX/XXXX at XXXX. We fulfilled a year lease around XX/XX/XXXX and was on a month to month basis. We moved in XX/XX/XXXX a week early. Since we paid rent before the month.now they claim we broke the lease which we never had. Reported XXXX different balances to ncc {$1400.00} and {$500.00} Ncc was n't provided our lease by XXXX but reported these amounts on my credit report. Since I moved XXXX has n't contacted me about this issue. This has happened to a few other people who has rented there.

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 07/22/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage bought my loan from Ocwen loan and it 's been nothing but trouble ever since. I have never made a late payment on my loan in 13 years. Suddenly this company takes over my loan and starts treating me like a deadbeat calling me morning noon and night to tell me they have not received my payment-TWICE the representative found the payment while on the phone with me and I still got ANOTHER call that same night telling me my payment is late. They also can not explain to me why my escrow payment is higher ... not a good sign. Then they call to sell me more products all the time-very disruptive. I 've never had a problem with my XXXX XXXX Bill Pay payments being received late yet these XXXX just ca n't seem to match up account numbers with money-they have no customer service standards whatsoever. So, they want to complain and harass me about my payment being late yet tell me that they want to sell me more products. I do n't get it. I wish they 'd never bought my loan. There are a lot of complaints out there about them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with CREDIT BUREAU OF NAPA COUNTY, INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice of an debt collection for a company I did not owe a debt to. I called the debt collector to request information and contacted the original creditor, named  XXXX   XXXX . This is a company I have placed orders with through the name of  XXXX   XXXX   XXXX  and have my own account on automatic payment. I was told that the order I received debt collection information for was for an account and a name that are not mine.  XXXX   XXXX  sent me the invoice with information regarding this order, and it 's for another individual in my apartment complex with a different account # than mine.     I have attached the invoice, which has a different  A  mount Due (    XXXX   XXXX   ) than the debt collector,   XXXX  , is attempting to collect. The name on the account is not mine (  XXXX   XXXX  ), and the account # is not mine.     I have attached an accurate invoice for an order that was mine placed in  XXXX , along with the proof of automatic payment on my credit card that was charged for that order. I have also attached the paperwork sent from  XXXX  regarding the order that is not mine and for which the debt collector is attempting to collect on. Further, I have attached a copy of my accurate order history, which shows that no order was placed on the date of the invoice, on my account.     My multiple attempts to work this out with the debt collector and with the credit reporting companies have not been successful.  XXXX    XXXX   agreed that the order was not mine and said they would cease collection practices for an order delivered to my apartment complex but not to me and not placed by me. Please help settle this matter by removing the fraudulent collection from my reports and demand the debt collector to cease and desist. The actions of this company are illegal, as are the failure to properly verify the authenticity of the debt by the credit bureaus.

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 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I refinanced my previous loan with One Main Financial back in XXXX & I lost my job at the end of XXXX. I had been at my job for almost 5yrs. I had a payment due in XXXX & I immediately start receiving calls & I stated my situation but the calls persisted. While trying to obtain other employment, I was open & honest about my findings nut the calls got more frequently. I 've talked to several employees there but they started to get very unprofessional with their tone of voice, tactics & eventually threatened to sue plus continue to call. I 've gotten XXXX calls in XXXX day leaving messages & getting calls from different numbers at all times of the day & well into the late night harassing me. I answered strange numbers thinking it was an employer contacting me about a job & it turns out being them. I had just received a call from an unfamiliar number & it was them calling me stating I was n't being financially responsible, insisting on me selling my household items to pay them by tomorrow or they was threatening to sue. This type of behavior is uncalled for, irritating & very frustrating when I 'm putting forth every effort to find employment so I can take care of my financial responsibilities.

Company response to consumer: Closed with explanation