milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was instructed many times to put my student loans in forebearance when I was unable to pay the total amount due. I 've defaulted many times on my loans because the monthly payment expectation is not feasible and the interest rates, including those accumulated while the loans were in forebearance, or in default, is ridiculous. My loans are currently in forebearance now actually because I called to ask for help in lowering my payments and that was their solution.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I was using overdrawn my bank account and did n't had a change to pay and cover is up. Because i was on vacation, wen I return and try ti make the payment my bank is being report to early warning are ready so I ca n't open any bank. So i wan to get removed from early warning so i can open a bank again. I need a bank so my parents can able to send me money to used it and able to make payment plus to rent a place to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX   XXXX  illegally raised my ren t (  California require s 30-days notice for any rent increase. I recieved 0-days notice ) I e mailed them and they agreed not to charge me the rent increase so long as I moved within 30 days. At the end of the month they sent the increase in rent to collections instead.      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 02/27/2018 about Checking or savings account (Checking account) with DISCOVER BANK (MS).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2018 a portion of my federal tax return was deposited into my Discover online checking account. I stopped using the account a few months previous due to the bank delaying bill payments for up to a week costing me late fees. On XX/XX/2018 I used one of the bank designated ATMs ( XXXX ) and was denied withdrawal and when I called to see why, I was given an explanation of suspicious activity because I used an ATM outside the city I live in ( same state ) but I have used this ATM on other occasions. Once I verified who I was, I was told everything should be fine but, it wasn't and I was still denied access to my account I tried making a purchase at the grocery store with cash back and was denied still. I called again and the representative told me there was a security freeze on my account and gave me temporary access for 15 minutes and said the freeze would be released in 24 hours. The explanations didn't make any sense at all to me so I tested the card the next day on the XXXX while on my work assignment in my own city of residence again the ATM transaction was denied and I was told that this bank designated ATM inside XXXX grocery store was a high security risk and a code needed to be entered in the system for that particular ATM. I explained that I have to travel back and forth sometimes for my job and I needed access to my account especially when on the highway. However, I did tell the rep that I would be contacting the FDIC about this.There were no pending transactions, no negative balance, and no report of a lost or stolen debit/ATM card before the federal tax return was deposited, I stopped my direct deposit from my job to this account a few months ago because of delayed transactions especially transfers. So I still don't have a valid reason for a security freeze and denied ATM transactions. The first of XXXX is in one day, and I do not want any more of these senseless issues when I have to pay my bills. Since when was an explanation required to access your own money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: They convinced me to keep my loans on forebearance for a few years until I was no longer eligible for forebearance. After that, my balance due skyrocketed and I was asked to start paying a larger amount every month than I can reasonably afford.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Credit card) with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/2017 As you know, I have reported my identity was compromised. 

Police report and Identity Theft Victim 's Affidavit were filed and mailed to the Banking institution, Consumer Financial Protection Bureau and OCC. 

I asked that the charges be taken out of my billing. 

Please respond within the next 30 days as of XX/XX/2017 that the charges are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report

Complaint: Bank of america N.A., violated my privacy and disclosed my information to a third party without my consent. They also called me numerous times on a delinquent loan even after it was transferred to another institution, same way they did with reporting it to the bureau, after it was long time settled. I was also not informed that it 's being transferred to another company, with no chance to work out a plan. They never reported the account as in dispute. This same company who is regulated by the FDIC and the OCC and has on their back thousands of FDCPA claims, they have a problem when an individual who is not regulated by this regulations, nicely calls up their executives who are responsible for the bank, and have an idea to call it harassment, absurd! They called me day and night, even after being advised to cease and desist and to stop. Furthermore, they claim they ca n't delete a trad line per the FCRA, and are stubborn nasty on that more than any other bank out there, even though it 's been very close to retention, they wo n't go above and beyond and will not comply with the good faith and fair dealing act. However, when they are afraid of a legal claim against them related to FDCPA, they were suddenly wiling to also violate FCRA rules, if I should 've sign a waiver of claims and an NDA, based on what I was clearly told by XXXX XXXX XXXX, bottom line this bank had to pay billions of dollars for all their mishandling mortgages, and other claims, and were balled out by the government, although it was their fault and negligence, but when it comes to someone else, they are nasty, rude, ignorant. As of today the account is differently being reported to each bureau.

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 11/24/2015 about Mortgage (Conventional fixed mortgage) with GEORGE MASON MORTGAGE, LLC (VA).
Issue: Settlement process and costs

Complaint: My complaint is with CFPB. Today - I was told by the lender and the title company that I was not allowed to see the closing disclosure because it 's considered confidential on behalf of the buyer. I am the XXXX. I am the extra eyes that make sure all the fees are correctly reflected. Why is it that CFPB is showing disrespect to XXXX who are interested in protecting their buyers? CFPB should have an authorization form for a buyer that ALLOWS XXXX to complete the process and check to make sure everything is as it should be. Minimizing the role of the realtor in the transaction is a huge oversight for a Buyer and any vendors who 's fees may innocently, and inadvertently left off the closing disclosure. How does that get rectified when THAT happens? I am very disappointed in CFPB reducing a XXXX role in the transaction. That is shameful! A Buyer does n't have a clue without the guidance of an experienced XXXX. Shame on CFPB for making settlement that much more difficult despite all your efforts to simplify.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (SD).
Issue: Problems when you are unable to pay

Complaint: I had gotten behind on payments my daughter was XXXX injured at XXXX school dance and and requiring XXXX I had to take XXXX with no pay. She eas injued XX/XX/XXXX and her XXXX was XX/XX/XXXX. Ally financial contacted me I spospoke to XXXX at extension XXXX I told when I could pay and said that XX/XX/XXXX was to late since subject to repossession. He asked me how fast does my bank process the check advised next business day after speaking with him I agreed to set up a check on XX/XX/XXXX knowing the bank wo t process till the next Monday due to the holiday. I agreed to bounce a check hoping that it would n't get to my bank again till XX/XX/XXXX. I would not be able to go back to work till XXXX/XXXX/XXXX unless my daughter recovers faster than expected. He advised me to cb @ XX/XX/XXXX to set up the check for XX/XX/XXXX and gave me the direct number for him. Today on XXXX I received a call from ally. She stated my amount and advised that my auto can be repossessed if I do not setup the total amount due today. I advised who I spoke to and when advised I was told to call back on XXXX to set up PMT said that 's not an arrangement. She threatened me with repossession but could not give me the date it would be repossessed. She was rude and threatening. I got scared and hung up the phone. Since my daughter has XXXX and XXXX I actually considered loading this girl in the back seat and moving her to a safe location. She has to have her XXXX removed on XXXX/XXXX/XXXX and ca n't walk to the XXXX. I reconsidered and called back to ally and it was s fight to the finish to get just my account number in which I finally asked for a supervisor in which I was denied by XXXX but she finally have me the account number so I can lodge this complaint. I truly believe that since I have 5 payment left that they want the truck back and would threaten with repossession if you were 16 days late. It 's been a horrific experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with SYNCHRONY FINANCIAL (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Lowe 's ran a Hard Inquiry on my credit that was not authorized by Me, without my permission or my knowledge.

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 03-02-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In reference to tracking number XXXX, XXXX opened a deposit account and funded by XXXX to pay the property taxes. Seterus changed it to a deposit account opened by Seterus and funded by home owner in violation of the terms and conditions of service transfer agreement between XXXX and Seterus. The reason XXXX did the way they did is that the mortgage is principal and interest payment only and they honored it. Seterus violated it. If Seterus argument that XXXX opened an escrow account based on XXXX crediting {$0.00} of my excess payment towards mortgage, they need to say so clearly and unequivocally. Seterus already admitted ignorance of what XXXX did and yet they claim they opened an escrow account based on {$0.00} credited to the deposit account...

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I received a text from my bank today ( XXXX ) advising that my account has been frozen due to suspicious activity. I contacted them to learn that someone charged my card on XXXX in the amount of {$50.00}, and then again today XXXX in the amount of $ XXXXThe charge is listed to XXXX XXXX and I do not even have a XXXX account. My bank cancelled the card immediately, and I filed a fraudulent claim for the {$25.00}. The bank already reversed the charge for {$50.00}. 
When I looked inside my account I saw a number XXXX as the number related to these charges! I entered that number into a XXXX Search and it turns out that this is apparently some sort of widespread scam for which I appear to be a victim. 

Make sure your account is monitored at all times. File a fraudulent claim with your bank asap, and cancel the card that has been compromised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My Federal Student Loans have been in deferment since XXXX, since that date Great Lakes has shown numerous late payments on my credit report. Since, my loans are in deferment, this should not be possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I would like to file an complaint against Equifax for intentionally misleading the CFPB and manipulating CFPB online complain system with full knowledge of the deceit and deception. I filed the below complain which specifically outlined the merits of my complaint. Equifax is reporting in accurate credit scores, credit to debit ration ( XXXX % ) and available line of credit ( {$15000.00} ) to the government identity protection firm ( XXXX ). 
Equifax has knowledge of the fact the CFPB is not actually reading the complaints and their response and is taking advantage of this flaw within the CFPB online system. Equifax responds to my complaint ( claims I did not provide a specific complaint ) Please read in detail my original complaint and my reply to their response it provides details of the actual complaint. Therefore, Equifax is intentionally misleading the CFPB and manipulating the online complaint system. 



I received a letter from US Office of Personnel Management stating I was a target of malicious cyber intrusion, therefore qualify for credit and identity monitoring services. 
I went to there website XXXX provided by XXXX. I pulled up the XXXX credit bureaus report and noticed Equifax was once again reporting inaccurate information in regards to my credit to debit ratio. As of XXXX/XXXX/15 Equifax is reporting my revolving credit usage at XXXX % which is inaccurate my revolving credit usage is currently at XXXX %. Equifax is refusing to provide an explanation in regards to how they are coming up with XXXX %. Both XXXX and XXXX XXXX are showing the correct figure XXXX %. Equifax is showing my revolving credit limit at {$15000.00}, the correct revolving credit limit is {$22000.00}. 
Due to my race XXXX XXXX Equifax is purposely lowering my credit score by not reporting the correct credit to debit ratios. I have filed numerous complaints with your organization against Equifax in regards to this practice and to date CFPB is refusing to take action on behalf of the consumer and provide protection against Equifax discriminatory practices of intentionally lowering the credit scores of XXXX XXXX. 
Therefore, I will also have to file a complaint with the White House in regards to CFPB refusal to provide assistance to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient at no time helped me to reduce my payments to income based. Due to that I am not over a XXXX dollars behind. Anytime I would contact customer service, they would state that I based on my income I would have to pay nearly {$300.00}. I only have XXXX loan with them and over XXXX in federal student loans. The federal loans allow a lower payment based on my income, nowhere near the {$300.00}. I constantly get calls from them Morning and night even after XXXX, and XXXX and XXXX. They say they will work with me, but I have to somehow pay the {$1200.00} and they know I can not do that and all they tell me is you need to or you will always stay behind and it will be reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I applied for the AMEX Premier Rewards Gold card on XX/XX/2018 and was assured delivery by the following Monday. When the card did not arrive, I called AMEX to inquire about the delayed delivery. Because the card did not arrive on time, AMEX agreed to send me a " replacement '' card. However, the replacement was for a completely different card -- my XXXX credit card. As soon as I caught this error, I called AMEX to rectify it. However, instead of sending me the correct card -- my Premier Rewards Gold Card -- I was incorrectly sent a second XXXX replacement card. 

This week I've called AMEX and their shipping partner, XXXX, roughly 20 times to sort this out. In the process, I've been mailed three incorrect replacement cards and have been provided with at least five different arrival dates for my new credit card. 

This delay has inhibited me form taking full and fair advantage of my new cards introductory offer which which requires that I spend {$2000.00} within the first 90 days of account opening. 

Additionally, I NEVER authorized any of the three replacement cards that were sent to me. I specifically requested that I receive my Premier Rewards Gold card each time I called, and never asked for my delta card to be replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Good Afternoon I am submitting a complaint because there are hard inquiries on my credit report that I did not authorize. Equifax has reported XXXX hard credits I admit some are mine but there are several that are not. Listed below are these accounts and dates inquired. Thank you for looking over my complaint. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GVA Holdings, LLC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my  XXXX  credit report. The credit report showed a credit inquiry by your company on  XX/XX/16    that I do not recall authorising. I understand that you should n't be allowed to put an inquiry on my file unless I have authorised it. Please have this inquiry removed from my credi file because it is making it very difficult for me to acquire credit. If you find that I am in remiss and you did have my authorisation to inquire into my credit report then send me proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: As an XXXX who has used credit in the past, I was more than likely part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 01-11-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Incorrect information on your report

Complaint: About 6 months ago, I submitted a complaint directly to Ditech and to the cfpb. Ditech made several errors on my mortgage including changing my mortgage without my knowledge to include an escrow, incorrectly documenting that they paid my taxes, and reporting me delinquent to the credit bureau. This has caused and continues to cause me a great amount of stress and frustration. The complaint was closed with Ditech stating they had remedied the problem. I am now trying to purchase a car and pulled my credit report about 1 week ago only to discover that they are still reporting me delinquent. I called Ditech again and was transferred from department to department being told by each that it was a different departments responsibility. I asked multiple times to speak directly to a manager due to the ongoing nature of this problem and was denied and cut off while trying to explain the issue. After being placed on hold for several minutes the representative told me she saw the problem was because the escrow errors were never fixed and she would submit a complaint to that department. I told her the last complaint took close to 6 months to resolve and it was never actually resolved and it has caused my credit score to drop several points. I asked to speak to a manager again and she said there is nothing they can do. I told the lady I would pay whatever I needed to pay in order for them to make my mortgage right and remove the derogatory information from my credit report, however, prior to paying anything I wanted something in writing from them stating that they would remove the derogatory information. She said they would not do this and my only option was to wait for the complaint to go through the process. This company is very poorly run and one hand does not know what the other is doing. I pay my mortgage every month and continue to get letters offering options for financial distress. I want the errors on my mortgage fixed immediately and my credit report corrected. I do n't understand why ditech ca n't fix the problem they created.

Company response to consumer: Closed with explanation