milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I 'm no expert on this topic and the terms are confusing to me. Part of the problem is that these loans were never properly explained by the school or the lender. After Navient took my loan from XXXX XXXX I called to discuss repayment options. I was clearly talking to a foreign call center somewhere as the first couple of people I talked to had very strong accents and it took a few tries to get someone I could understand at all. I think I may have been misunderstood in my intent as I believe I was put on some sort of " forebearance? '' payment plan. This extended my loan unnecessarily. I should have this loan paid off by now. I tried contacting Navient today and managed to get in contact with a very rude ( but easy to understand ) person who put me on hold indefinitely. They clearly do not want to receive phone calls as they do n't post the number anywhere I could find ( took a number of XXXX  searches ) and I had to battle through the robotic menu system to get a real person. I was hoping to discuss some sort of large, lump sum payment to be done with this company for good, but I was just treated poorly once again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX I received an incentive email from Bank of America regarding opening up a credit card. Upon receiving that email, I went online and applied. On XX/XX/XXXX I had received an email stating that I was approved and I would be receiving awards on purchases and 0 % interest rate until XX/XX/XXXX and credit line of XXXX. 
For the several months I 've had the account, I always make my payment on time and there also have been numerous times where I paid the coconut fully and recharge the account up. 

On XX/XX/XXXX, I attempted to use my credit card at a gas station and I was told that the card was decline. I immediately called into Bank of America card decision and I was told my card was closed out due to a business decision. This did n't make nay sense. I attempted to reach out to a manager to get assistance and clarification. No manager was available to speak with per representation. After speaking with someone, I was told I could request a compliant to put in to help rectify the matter and that I letter would come explaining theirs decision. 
I never received the letter and I never heard back regarding the investigation for Bank of America. There 's a great deal of evident that suggestion 's that I was targeted and discriminated against. During that time my account was closed, IO had an substantially amount of money in my account with Bank of America ; XXXX to be exactly. On a biweekly basis I had direct deposit coming into various accounts. 
I am also following up with other agencies with regards to this issue. I was a loyal client and I did n't deserve to be treated unfairly and be target, and no one following up with me.

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 02/15/2017 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (GA).
Issue: Managing the loan or lease

Complaint: I have inaccurate late reporting on my credit file. I have contact the credit agencies to dispute this and they stated that the information was verified. I find that hard to believe considering that all of the credit agencies are reporting something totally different. I asked that Volvo Finance remove all of the late reportings from my credit file since their reportings to the credit agencies have several discrepancies. I know that I had not been late on any of my payments to Volvo Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my requests to investigate, verify and remove accounts from my credit file that do not belong to me.

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 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Received a notification from Chase that my rate was going up 5 % from 11.24 % to 16.24 % for no reason outside of increasing their profit margin. i have an 800+ credit score and pay off my balance monthly with all my credit cards. I 've had this card for over 20 years and never a late payment. After speaking with a supervisor, I was told I could either cancel the card or accept the terms. How are those choices for me? I accept a 50 % increase in my rate or lose my credit history which would negatively affect my credit score. I want my original terms just in case I need to carry a balance in the future. I felt like there was a XXXX to my head to make a choice that only benefits Chase. Absolutely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Problems caused by my funds being low

Complaint: Monday, XXXX XXXX, XXXX Honorable to FDIC officials : Please forward emergency requests to XXXX. Senators : URGENT EMERGENCY CONTACTS WITH XXXX XXXX XXXX XXXX AND XXXX XXXX : I write in complaint against Bank of America that discriminates against me with overdraft checking account. I am not happy with Bank of America that Bank of America made harmful discriminates against my XXXX and appearances in horrified addresses as they insult XXXX XXXX XXXX in ugliest appearances that Bank of America does not allow XXXX XXXX XXXX entered in their bank because of overdraft discrimination, so they insulted me in more overdraft discrimination. Again, I was not happy with Bank of America because of my overdraft history continually. I complain with overdraft records at Bank of America continually telling to XXXX Attorney assistance with XXXX XXXX XXXX in coping problems. 
Please assist me of XXXX XXXX in cope problem with Bank of America requests through male Attorney helping me with finding funds should go deposit cover up overdraft complaints to be requiring assistance XXXX XXXX XXXX along with Male Attorney in seriousness matters in law requests. 
In requiring law applies to XXXX XXXX XXXX must having a male attorney assistances with banking issues that I need helping requests with banking addresses in serious matters. Please requires applying to male attorney investigates on my bank account finds out overdraft records that they uses discriminates against me with XXXX as Bank of America does not like me having banking account because of overdraft periods. 
Please take this letter to Male Attorney requires taking me to investigates with Bank of America requests according to the law requirement to make deposit amount cover up overdraft fees. I do not have any extra money for deposit that I am having lot of stuck with no funds for deposit continually. 
I do n't like XXXX Apartments involved my political letters and stay away from XXXX Apartments that I do not like participate XXXX Apartments as I do not want reside at this bad housing at XXXX XXXX Apartments that they made me in baby diapers. They called me in sick and dumbest gentleman messages telling to XXXX. XXXX and XXXX XXXX. 

Please share with XXXX. XXXX and XXXX XXXX help me out with banking discrimination report to Male Attorney in XXXX XXXX deals with me in coping problems. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OR XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Trouble during payment process

Complaint: My husband and I currently have a mortgage with  Wells Fargo, NA. In   XXXX ,   XXXX   our home underwent a fire and was severally damaged. Our homeowner insurance paid out in  XXXX  of   XXXX  . We forwarded the payment to  Wells Fargo Property Loss  Department. During this time we were temporarily relocated to an apartment unit. We communicated with  Wells Fargo  throughout this process to give them updates on the restoration on the property and request for funds to repair our home.  Wells Fargo  released the funds in small amounts making it difficult to purchase materials in bulk and completion in a timely manner.   As we approached the  XXXX  month timeline of being out of our home and awaiting release of funds to complete our restoration process, we informed the property loss department that we were running out of Additional Living Expense funds and that the insurance company would no longer be paying our expenses. We urged them to send the remaining funds so that our home could be completed and we could move back into our home before the deadline we were given by the insurance company. We were basically told by one Representative that they were not releasing the money because we would spend it and not make repairs. I found this to be appalling since they had inspectors to come to our home to view the progression of repairs that we had made to our home.   To date, we are no longer in our apartment and have had to move out. We are currently renting an additional home and paying for this out of pocket. We are still paying our Mortgage along with utilities at our home, along with the same expenses at our temporary place. We are paying double bills due to  Wells Fargo  's delay in payment. This is not fair and has caused us unwarranted expenses. We have been devastated by the events that have occurred in our life with my husband almost losing his life due to the fire. It has been an emotional roller coaster,  one  that could have been avoided.     We are seeking your assistance in having this matter resolved. Thank you so much.

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 03/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Our property school tax bill was due on XXXX XXXX, XXXX. I received the bill on XXXX XXXX, XXXX and forwarded a copy of it to our mortgage company, Wells Fargo. Wells Fargo wrote back to me on XXXX XXXX, XXXX stating they receive this bill directly from the tax office and will be making this payment from our escrow account, and that I do not need to send this bill to them in the future. So they have a copy of the bill and know the taxes are due and the correct amount that is due on XXXX XXXX, XXXX. To date, Wells Fargo has not paid these taxes and we are now being assessed penalties of XXXX % every other month. The amount due is currently {$3500.00} with penalties of {$350.00} for a total due of {$3800.00}. I received a notice from the XXXX XXXX XXXX XXXX, to which these taxes are owed, stating that our taxes are now delinquent and a lien may be filed against our home. I have called and spoken to various representatives at Wells Fargo over the past 3 weeks. I spoke to XXXX XXXX on XXXX/XXXX/XXXX and she said the taxes would be paid by XXXX/XXXX/XXXX. They were not. I called again on XXXX/XXXX/XXXX and spoke with another representative who said the file would be escalated and would be paid. The taxes remain delinquent. There is plenty of money in our escrow account to pay these taxes. The notations on our account state that the next tax due is XXXX/XXXX/XXXX. This is incorrect but Wells Fargo refuses to change it or pay the taxes that are now 5 months late.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with DISCOVER BANK (WV).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: This is an unknown authorized inquiry reporting on my credit report Discover Bank XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX Discover Bank XXXX XXXX, 2016 Unknown inquiry, please delete

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: I will begin with the fact that USAA is well known for manipulating their customers accounts. If you make a deposit or withdrawal they will move the dates in order for them to collect more fees. I actually have proof of this happening in my account. The most recent occurrence of my account being manipulated was on XXXX/XXXX/2015. I made an immediate withdrawal of {$1800.00} from a local branch which USAA partners with to obtain a cashier 's check in the entire amount withdrawn, similar to an ATM withdrawal but due to the amount it needs to be completed this way per USAA. However, my USAA account statement shows the withdrawal was made on XXXX/XXXX/2015 which is a significant deficit of days and cashiers checks are immediate. I kept all receipts of withdrawals to prove this. I also paid a bill which cleared after a deposit I made in the morning of the XXXX XXXX only to have it magically appear before the deposit, even though it was n't made until after the deposit was made. My next instance happened on XXXX/XXXX/2015 when I deposited via my phone a US Postal money order in the amount of {$310.00} in the morning at approximately XXXX XXXX it was later that day after my deposit which is immediate when made from the mobile device that one of my auto drafts for billing cleared. Once again my account was manipulated and my deposit was moved to after the ACH draft attempted to clear as to make it appear that no funds were available at that time so USAA in turn could charge me an overdraft fee. Then when my check which was written out to my housekeeper in the amount of {$85.00} cleared they once again manipulated my account and charged me not once but twice overdraft fees when you can clearly see on my account statement there were funds available and the check itself did clear the first time. When I spoke with a customer service rep, they told me they could not fix it because it was their computer who processes and they can only see the process. Now, if it is my money and I can see that enough is there to clear any debits or checks they can not do things behind the scenes in order to make more money. I am in the process of changing banks and I want the FTC to look into USAA and their practices as I am not the only service member who has experienced this. I want those fee 's refunded as there was money in my account and I also want their " system '' to reflect actual dates and times of transactions accurately. Again I have proof of all that I have alleged and would be more than happy to hand it over to anyone who wishes to see it. I want to ensure this stops happening to those of us that serve. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Your school falsely certified our eligibility to receive the loan based on our ability to benefit from its training, and we did not meet the ability to benefit student eligibility requirements. 

So basically saying, the degrees and classes were n't worth the time or money put into them. The degrees and classes are scoffed on by any employer we have inquired to, and many former students have reported this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Credit card) with GRYPHON CORP. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by XXXX XXXX XXXX in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/XXXX at about XXXX received a phone call on my cell from XXXX XXXX XXXX of OCWEN, informing me that my modification payment was late as of XXXX/XXXX/XXXX. I told her that I did not know that I had a modification since I had not heard from them since applying in XXXX XXXX. She said the modification had been approved and the terms were mailed out to me but had been returned by the USPS for the wrong address. ( I later found this to be incorrect USPS has not returned any of my mail ) .She stated that I was still responsible for the terms even though I did not know what they were. They had their attorney tell me not to contact them in XXXX even though I was in a modification. She also set up a return call. Later that day when I got home I called them and spoke with a different rep and she sent me a statement dated XXXX/XXXX/XXXX it showed that I was 2 months behind on my trial modification. My online access had been blocked & she helped me gain access and requested research on the address issues. On XXXX/XXXX/XXXX spoke with their attorney he said he had the modification but had not given it to me because there was n't enough time so he returned it to OCWEN. He wanted to know if I was willing to sign a release if they would modify I told him yes. I told him about Keep Your Home California. He said OCWEN would not use them because too many stipulations. ( but they participate in the program ). He said you see how court goes so they can keep paying me and we can go to appeal its no skin off my back. on XXXX XXXX called and said mod had been cancelled because no funds received on modification. but there was no date when it was cancelled. i told him it was still active. he said i had to reapply and to call the attorney, because even though the mail piece was returned the attorney also had it. I asked if he could send me a copy of the term again, he said no then yes but only email maybe. He would have to request and see if it was approved. Then he said that he could change my payment amount and make the mod not be cancelled when I told him that I had a current statement. The attorney sent me emails again saying I was not supposed to contact them and it was in bad faith even though the case was over. He admitted to knowing about what they were doing. I have a document from them saying I was under review that the rep showed me on XXXX. I just opened my email XXXX I have the mod agreement dated XXXX/XXXX/XXXX. they lied about the amount the printed on my statement vs the mod agreement, how long the interest rate would last, the P & I was different and there is a balloon payment. it was sent via secure email ( see attachments ). Noted the address is correct on the document.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's negligence in securing my personal information against external sources has cause my personal information to be released to the world without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Delinquent account

Complaint: what Citibank to remove erroneous late payments from all XXXX credit 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 monetary relief
Consumer complaint received 12-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Using a promotional code as offered on the Citibank website for a {$400.00} credit toward my checking account once the account was funded with {$15000.00}, I opened a checking account on XX/XX/XXXX and deposited {$15000.00}. According to communications from Citibank the {$400.00} promotional code was to be applied to my account no later than XX/XX/XXXX which is 90 days after the initial 30 days XXXX 120 days total ). I have contacted Citibank several times and all the customer service reps have explained that the promotional code should appear on my account soon. Citibank has not lived up to their end of the bargain and continue to tell me that the complaint has been escalated to the promotional department but we should just allow them time to complete my eligibility. They already have verified my eligibility and wrote me that I qualified.

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 monetary relief