milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Last year XXXX 2016, I contacted Navient 's Office of Customer Advocate via phone and email asking them once again I 've hit some hard times if I can please make lower monthly payments ( that was based on the principal only because its a 12-month repayment plan ). After about 30 minutes on the phone I asked to speak to a supervisor because what the representative was telling me was not paralleled to other previous conversations with other representatives in the past. After about an hour on the phone with the supervisor he was blatantly disrespectful instead of helping me with a resolution I had to hang up the phone because he was not customer service valued. Through my frustration in getting no where I wrote the below email : Thank you for your timely response in assisting me to find a better solution for my private student loans. You are correct, I had recently discussed alternative repayment options with Navient Private Collection Department on XXXX XXXX, 2016 and XXXX XXXX, 2016. What was not communicated to you properly is that on XXXX XXXX, 2016 I spoke to a female representative and a male supervisor and the option of the {$460.00} was never presented to me period. Both proceeded to say that the only option was {$560.00} and even throw out an outrageous number. Instead of being patience with me because I was not being confrontational the male supervisor raised his voice with me and was extremely disrespectful in not helping me find a solution at all then He proceeded to verbalized comments that was out of line. 

Through out that time my co-signer was harassed through out the day. Navient said that I as the borrower did not want to make payments so its up to him ; which was a lie. They threatened him with wage garnishes, they somehow got a hold of his wife personal cell number and harassed her and they would call after my co-signer after XXXX. 

School : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have  2  accounts an d 3  credit inquiries listed on my   XXXX     XXXX   and Trans  Union  credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent :   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  . Further, please add the following personal information to my credit report : Employer :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , ND  XXXX , Phone :  XXXX , Position :   XXXX   XXXX   XXXX   XXXX  , Annual Salary : {$150000.00}

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 09/13/2016 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Billing disputes

Complaint: I had a {$5000.00} credit limit with TD Bank for over 10 years. I was late on paying my account and they lowered my credit limit to {$500.00}. That lowered my credit score and now looks bad. I was n't even 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Other mortgage) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: PNC CONTINUES TO PLAY GAMES AND NOT COMPLY. THEY HAVE DENIED THE CLIENT ON XX/XX/XXXX FOR THE HAMP WHEN IT WAS STILL IN PLACE STATING THEY DIDNT HAVE A COMPLETE PACKAGE. WE ENTERED AN AGREED SALE DATE WITH XXXX XXXX OLD ATTORNEY FOR THE BANK XX/XX/XXXX TO BE HELD IN 20 DAYS OF COURT DATE BANK AND ATTORNEY WHERE NOT AVAILABLE TO EVEN SEND US A RESPONSE TO A DATE. TILL XX/XX/XXXX AT WITCH TIME THE PRIVATE MEDIATOR THAT THE DEFENDANT IS PAYING FOR WERE OUT ON VACATION FOR THAT WEEK. AFTER THAT, THEY WOULD NOT AGREEE TO A MEDIATION DO TO THE FACT THE TIME HAD EXPIRED ON COURT ORDER. AND TODAY XXXX I RECIEVE A DENIAL LETTER OF XXXX 2016 THAT WE HAD NOT SUBMITTED A COMPLETE PACKAGE. THEY HAVE ALSO CHANGED LAW FIRMS TO XXXX. HEAD ATTORNEY IS XXXX XXXX PHONE NUMBER XXXX. NOW THIS ATTORNEY AND LAW FIRM HAVE NO IDEA OF WHATS BEEN GOING ON FOR THE LAST 3 YEARS WITH THIS BANK. THIS IS MY CLIENTS PRIMARY HOME AND HE HAS BEEN STRUGGLING TO KEEP IT AND THE BANK CONTINUES TO PLAY GAMES WITH OUR CLIENTS HOME. ISPOKE TO XXXX FROM PNC TODAY ID DVK AND WAS TOLD THEY CANT DO ANYTHING FOR THE CLIENT CAUSE THE HAMP PROGRAM IS NO LONGER VALID. WE HAD A FIRST COMPLAINT # XXXX WE REALLY NEED YOUR ASSISTANCE IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Jcpenny has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX I was XXXX. Throughout my XXXX ( XX/XX/XXXX ) I had a XXXX. I am still currently going through XXXX in result of having having my XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Walmart passed me onto the credit card insurance company to submit a claim. I was not abl3 to resolve this issue and have contacted JCpenny and the credit card insurance department as well. Please remove this negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Last fall I sought assistance from Bank of America regarding mortgage modification.After there represenatives did not allow me to speak with a modification specialist until they insisted I make payment arrangements on my past due account.Which is documented.Then without discussion came the most ludicrous offer of modified terms that sole aim was to place borrower in a note that only sought to lower payments by extending out the term and place a useristic above average intrest rate which inundated and buried the borrower in intrest payments and did not provide a realistic scenario for aggressive principle paydown.If bank of America is calling this assistance to homeowners its is aggregious!! /It is counter productive to long term homeowner preservation.I was told by XXXX I better take it, if you do n't Bank of America will foreclose.i said no and appealed they offered me another modification over the winter that was better but they told mne they would not offer another.i stated I will sign but only in anticipation of my wife receiving social security benefits which she did not. I made one payment and realized this can not be sustained long term.negotiations before and since have been contentious.i am a sole wage earner and a XXXX XXXX ( XXXX ) FOR OVER XXXX YEARS.Standard XXXX XXXX modification modelswork off gross pay .I have a unique payroll situation where I have significant mandatory deductions.For instance 11 % per pay for retirement including hefty health ins premium, union dues, etc.i come home with half my gross pay. XXXX per week net!! .I need a mortgage payment closer to 33 % or {$1000.00} per month including principle, intrest, escrows.I am not about to be constantly harassed by Bank of America.people have saved there homes over lesser circumstances.The modifications and assistance is applied very unevenenly.I am not about to lose my home by a clerks calculations and over a few dollars because of some obscure guidline or loophole..it is well known Bank of Americas 's violations towards homeowners .They continue to perpetrate and apply there unscrupulous bully tactics.i need your assistance in receiving a fair and equitable modification of my mortgage that realistically reflects my ability to pay.I have numerous correspondence on file .Bank of America fights you at every turn.This is not fair.I PLEASE ASSIST

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: XXXX XXXX is blocking me from enabling external applications

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: I have a business account with this XXXX XXXX branch of First Niagara Bank. I am the sole proprietor of this business. 
I am the only person that has authorization to sign checks from this account. As per my signature card form. 
My husband and I have recently separated. He was made to leave the home and in the process of moving he located some checks in regards to the business account and took them to a teller and they cashed the checks. ( {$2600.00} ) He had never signed or cash checks in the past. He signed his name on the checks and provided his ID. Although, he is not an authorized signer on that account. 
I received a letter from their investigating team saying they are not liable for any forged funds on my account. The perpetrator did n't forge my name he signed some forms of his name. 
The branch advised if I filed a police report they would refund my funds immediately. Although XXXX XXXX Investigations Analyst XXXX XXXX advise I should have better control over where I leave my personal items and said I could not retain my funds from the bank. 
I have since had to closed that account for fear of the same thing happening again. 
I was always under the impression signature cards were an authorization for signing checks. Please help me understand his decision.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (AZ).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, PNC " ADVISED '' me the only way to help was for me to let my mortgage go into FORECLOSURE process. This was because my house was worth WAY more than I owed. My financial hardship reasons did not concern PNC. I just had to show I could NOT pay my mortgage by not paying. This caused me to pay 2 years of attorney fees collected by PNC. A re-structuring amount charged by PNC, late fees, court fees and interest fees to LOST income by PNC. As of late they are charging me to pay electronically or by check PLUS additional fees due to the loan. I have amassed well over {$5000.00} in fees, and extra interest paid to PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an Essential Checking account at Fifth Third bank in XXXX, NC on XX/XX/XXXX There is promotion associated with this account. The detail of the promotion is in the attached file. After meeting all the requirements. I did not receive any promised bonus. I made $XXXX initial deposit on XX/XX/XXXX, and then I transferred $XXXX from other account to this account onXX/XX/XXXXXX/XX/XXXX After that I moved $XXXX out of this account on XX/XX/XXXX. On XX/XX/XXXX, I received $XXXX direct deposit and I kept the account balance above $500 for more than 60 days. I have contacted the bank 3 times,XX/XX/XXXX andXX/XX/XXXX but the problem was not solved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX -- someone in my house of there people used my SS and ordered merchandise form this company. I received the merchandise, I think a dress, and I returned to this company and said I did not order. Their derogatory remark has lowered my score. If they check their inventory, this merchandise will be there. This room mate has long gone from my home but I have no proof that she ordered this is an assumption..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sir or Madam, Bayview loan servicing is dual tracking my client 's house into foreclosure while a loan modification application was pending.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Payday loan () with High Point Asset Inc (UT).
Issue: Received a loan I didn't apply for

Complaint: I was contacted by a company calling themselves " High Point Assets '' ( phone # XXXX ) regarding an " outstanding payday loan issued to me in XXXX of 2013 ''. I did not apply for or receive a payday loan at that time. I wouldn simply have ignored the call and considered it a waste of my time except the person had the last XXXX of my XXXX and the name of my bank for " verification purposes ''. This makes me alarmed that they have collected other information about me. This is obviously a scam and I 'm doing my best to report them to all of the relevant agencies for investigation. Please do your diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (DC).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: A credit card with SYNCBJC PENNEY XXXX was opened fraudulently using my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have already dispted inquiries on my credit report with Equifax that I did not authorise and I keep getting the same response from them telling me I dont have to give consent. I have contacted the companies who are listed with each of these companies and they tell me it is up to the credit bureau to remove the inquiries. XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want those inquiries listed above removed immediately.

The responses I keep getting from Equifax is as follows : We have reviewed your complaint along with the information you previously provided regarding this issue. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My repayment for the Parent Plus loan that was taken out through XXXX is not with Navient. The payment is XXXX a month. I can not afford this. My elderly Mom recently moved in with me and I am her sole caretaker. Please let me know if there is anyway I can get this loan wiped out or cheaper a month. The first installment was due in XX/XX/XXXX but I have put payment off through Navient until XX/XX/XXXX. Then I will be calling again to defer the payment. Meanwhile my interest is compounding. The Total amount of the loan is over {$42000.00}. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a victim of Identity theft and I have sent countless letters to Afni and XXXX XXXX XXXX. 

Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. 

Afni sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from XXXX XXXX XXXX they just placed the account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Bank account or service (Savings account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: Citizens Financial Group is improperly assessing fees for Regulation D. The letter of the law clearly states that this regulation governs transfers " made by the depositor and payable to third parties. '' Citizens has assessed me and presumably all other depositors a XXXX dollar fee for transfers made WITHIN THE BANK. Please prosecute them to the fullest extent of the law, and assure that the citizens of the XXXX are refunded these millions of dollars in illegal fees which have been levied by the bank. Feel free to contact me by phone or email if a copy of my statement is needed showing proof of their illegal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Debt collection (I do not know) with ProCollect, Inc (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company was asked to verify the debt and refused on multiple occasions, when finally Pro Collect 'provided evidence the debt was valid ' via mail, they mailed me a bill for someone who was not me for an address that was not mine and claim it is valid. They exceeded their 30 day window to provide me evidence and when they finally provided the 'evidence ' they provided a billing ledger for a woman that was not me and is several years older than myself who began renting with them in XX/XX/XXXX when I was still a minor. They are claiming this is evidence the debt is valid, well outside their 30 day window to do so ( which closed on XX/XX/XXXX ). They have no right to collect from me and they are using this as a  stalling tactic. The evidence they claim belongs to a woman that is not me and are outside the window outlined by Ohio statute to provide such evidence. The original debt was claimed on a three bedroom  apartment, which I never rented, and disputed such. All on a recorded line. They have proven that they are collected from me incorrectly for someone else 's debt.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We have been in touch with XXXX XXXX directly and also through your system. 

We have Conformation # XXXX for payment on XXXX/XXXX/XXXX for XXXX. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last XXXX of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that XXXX XXXX had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - XXXX XXXX bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last XXXX of our account number. Note from speaking with representative telling my XXXX that XXXX XXXX just did not process. 

We were contacted by XXXX XXXX saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my XXXX. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help 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 explanation
Consumer complaint received 07/30/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Other

Complaint: THERE ARE XXXX INQUIRES ON MY CREDIT REPORT FROM THE SAME COMPANY THAT SHOULDNT BE THERE

Company response to consumer: Closed with non-monetary relief