milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am receiving notices in the mail from Navient in reference to a loan I never took out. The loan is under another individual 's name and the letters that came state that the indiuvidual who originally took out the loan is delinquent on payments and that I consigned on this loan. I have never consigned on any loan or consented to consign on any loan. I contacted Navient 's customer service number listed in the letter and was essentially given the run around. I explained the matter to XXXX different customer service representatives, initially being disconnected leading me to have to explain the issue XXXX diffent times, being placed on hold only to talk to another individual who essentially stated he was unable to help me. At that point I requested to speak to a supervisor. After being placed on hold again, I had to re-explain the situation to the supervisor who then flatly stated there was nothing she could do and that I would have to talk to fraud department at XXXX. I called this number only to receive a message that no one was available to take the call and please call back later ( No explanation as to why or hours of operation/better time to call back ). I then called Navient Customer Advocate at XXXX XXXX XXXX XXXX and again after a long hold was prompted to leave a message with no explanation to hours of operation or better time to return call. Navient has fraudulently placed my name as a consigner on a loan and has made themselves unavailable to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: Dear CFPB, Please help me CARRINGTON MORTGAGE refuses to help me modify loan because they said is not on their best interest to help me keep my home. CARRINGTON MORTGAGE requested for my full application around 3 different times and now they are telling they are not going to review my application because they don't feel like it. 

Please help!!! all I'm asking is for help to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made several attempts to have fraudulent inquiries removed from my credit report with no resolve. Some inquires have actually been duplicated.

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 01/18/2018 about Debt collection (Medical debt) with Mnet Financial Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After noticing the debt on my credit report, I sent a Debt validation letter to MNET FINANCIAL INC. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, MNET Financial Inc. did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the MNET FINANCIAL INC or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.

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 09/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient is attempting to charge monthly payments on my account even though I am enrolled in school full time. The company claims I have not been verified by my school or the NSLDS. I have checked both sites and I have been given proof of enrollment by them as provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I have an account with Coinbase. On XXXX, I withdrawed XXXX XXXX XXXX of EUR from my account. The funds were supposed to be transferred to my checking account within 3-5 business days. As of today ( XXXX ), I have still not received the payment. I have tried contacting Coinbase via email and customer support multiple times to inquire. The company is completely unresponsive except for automated replies that do not address my issue or answer my questions. I need the money and Coinbase is profiting from the float. 

Coinbase Account name : XXXXXXXXXXXX Multiple users are already impacted as of all the complaints here Please help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: In 2008 I went through the HARP program and paid all monies told to pay which were held in an unapplied account. Based on this situation the lady that called me last week told me pretty much " to Bad '' I have never ever made a late mortgage payment even if I did get to eat.I pulled my annual credit report this year to find this inaccuracy. I have filed a complaint to Wells Fargo and to the credit reporting agency. There show derogatory mark on the credit for this mortgage ( XXXX ). The lady was rude and told nothing would change on my report. It is inaccurate and I want it fixed

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 10-12-2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (ID).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck. 

I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint. 

The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. '' P.S. 
If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one. 

Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven. 



P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.

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 09/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This concerns a private student loan that I obtained during my first year of XXXX school in XX/XX/XXXX at XXXX University XXXX XXXX XXXX, XXXX, Oregon. As a condition of obtaining the loan, I was required to obtain a guarantor. My now ex-wife 's grandmother agreed to be the guarantor. The loan was for about {$4000.00} to cover tuition and living expenses. The loan was issued by XXXX XXXX and has been continuously serviced by XXXX XXXX, now Navient. 

Since the loan has been in repayment, my guarantor has been making {$75.00} payments every month directly to XXXX XXXX, which is significantly higher than the minimum monthly payment. I have reimbursed her for each of those payments. She has done this to ensure that, despite any fluctuation in my ability to pay, the loan will be paid and will not adversely effect her credit. A few years ago, I calculated that this accelerated repayment schedule would pay off the loan in full in about 18 months. That was now at least two years ago. 

In addition to the $ 75 monthly payments, I have also been paying the minimum payment as an auto-draft from my checking account. This minimum payment is around {$6.00}. 

After remembering my calculations last month, I checked online to see why this loan was not yet paid off, and I discovered that in XXXX XXXX ( around the time that XXXX XXXX changed to Navient ), the {$75.00} payments were no longer being credited to this loan, even though my guarantor was mailing checks in every month, using payment coupons provided by XXXX XXXX to the address provided on the coupons. There were about {$1300.00} in payments that were missing, which was more than enough to cover the outstanding balance. 

I called Navient on XXXX XXXX, XXXX. The agent was able to tell that the {$75.00} payments from my guarantor were being made, but that the payments were being applied to my Federal Spousal Consolidation Loan. My guarantor has no connection with that loan. I instructed them to correctly apply the payments, and they assured me that it would be done within 7-10 business days. 

It has now been nearly a month since that conversation, and my loan still shows an outstanding balance of {$300.00}. 6 of the {$75.00} payments that were made between XXXX XXXX and XXXX XXXX are still not showing as having been made on this loan. This amounts to {$450.00} in mis-applied payments, which is more than enough to pay off this loan. In the meantime, I have continued to make principal and interest payments ( of about {$6.00} ), when the loan should have been paid in full months ago. 

I have emailed Navient about the issue, but they have not yet gotten back to me. The last time I called them, it took well over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (TN).
Issue: Account opening, closing, or management

Complaint: Hello- I am contacting CFPB to file a complaint concerning my experience with Suntrust Bank XXXX I opened a checking and savings accounts there XX/XX/XXXX and when doing so I was promised a {$250.00} promotion if I met the criteria. 

As of XXXX XXXX my personal banker, XXXX XXXX, assured me that I did meet the criteria and that I would receive the full amount by XXXX XXXX. I have attached a screen shot of that email conversation. 

On XXXX XXXX, I called the bank which informed me my banker no longer worked there and that I would need to contact Suntrust customer service. After speaking to multiple representatives, I was eventually sent to a supervisor, XXXX XXXX. I forwarded her emails from that stated instructions from XXXX XXXX to obtain the promotion. I also forwarded her the emails that I have attached screenshots of here. After our conversation, XXXX XXXX told me she would open the case and that Suntrust would get back to me within 3 to 5 business days. 

I emailed her XXXX XXXX and XXXX XXXX requesting an answer. I have called the Suntrust XXXX, TN branch several times and left voicemails only to receive no call back. 

Today, XXXX XXXX, I called Suntrust customer service in hopes to get an answer concerning the {$250.00} I am waiting to receive. I eventually got in contact with a XXXX XXXX. She explained that they found that I did not qualify. After checking my account, I believe I do qualify. 

I am very disappointed in the customer service I have received. They have not taken the initiative to call me back or reply to my emails. They have also not honored the word of their employee who guaranteed me {$250.00}.

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 04/27/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: CMRE is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Over the last 6 months have been trying to get JPM Chase to correct the information they are displaying on my credit report. They are stating XXXX is the loan servicer, JPM is listed on the credit account. Now, This has been transferred to a government entity and payments are current! If was suppose to pay JPM or XXXX then how do I suppose to pay them????
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Please provide detailed information on how this investigation was conducted with the following : 1. Names of people conducted investigation for the information displayed on my credit report 2. Dates, times, and e-mails when these conversations has taken place?
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3. Last date of activity for this account? Which is not displayed on the credit report why??
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4. Explanation on how to can you " MARK ACCOUNT LATE '' when you do n't have control over the account and have not provide a payment method to kept the account current?
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5. Please provide the original documentation sign by XXXX XXXX
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6. Please provide the date and time when the account was transferred from Chase/XXXX to a government servicer.
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7.Please provide the proof and accurate information schedule payments that were missed. This should be displayed by financial statements from your accounts.
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8. If the BALANCE OWE IS XXXX??? HOW CAN YOU BE LATE?
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This does not make sense at all and should be investigated all my accounts are to date and JPM Chase/XXXX is violation of the FCA. From this point I will consultant the attorney that sued XXXX for XXXX XXXX dollars  because they refused to remove inaccurate information of her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Billing disputes

Complaint: Sam 's Club Credit ( Synchrony ) bank reported 3 months non payment/late. I had not been billed as the address they had on file had not been updated. I was notified by collections at which time I paid the balance in full. It also indicated that my account was closed (? ). I would like the report so noted and corrected to show the account is open. Your assistance in this matter is appreciated. I have maintained a strong payment record and do NOT want to ruin my credit because of this.

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 06-01-2016 about Debt collection (Non-federal student loan) with AES/PHEAA (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2016 I received a call from a XXXX XXXX, with XXXX XXXX @ XXXX stating that my student loan from American Education Services, AES is now in Default and that Transword System have my student loan. XXXX XXXX went on to say that I owe {$15.00}, XXXX on my loan and that National Collegiate, NCT Trust is offering me a settlement to pay only {$11000.00}. XXXX XXXX went on to break it down that if I ca n't pay {$11000.00} I could pay {$2500.00} down and pay the remaining balance each month until paid in full. I tried on several attempts to get National Collegiate Trust 's contact number so that I can confirm XXXX XXXX 's conversation. As of XXXX XXXX, 2016 I have yet to receive that information. In fact, I spoke with XXXX XXXX 's supervisor on XXXX XXXX, 2016 and ask for NCT 's contact number he gave me an account number that included my social. On XXXX XXXX, 2016 I contacted AES to see what was going on with my account, AES informed me that my account had a $ XXXX balance and that they do not have any other information on my account. I asked if AES had a contact number on NCT, they provided me with XXXX XXXX 's contact which is XXXX. I have research and google NCT and found nothing. At this point, I 'm not sure who is NCT and why is XXXX XXXX trying to collect {$11000.00} from me. XXXX XXXX XXXX provide me with a " Note Disclosure Statement '' which included my husband and I signature. They have not provided us with any proof of ownership of my XXXX XXXX account. I never received anything from NCT stating ownership of my student loan. Also, NCT has not provided me anything in writing stating that they transfer the account to XXXX XXXX. I truly believe that me and my husband are a victim of fraud and identity theft. My husband and I have never dealt with NCT in the past or XXXX XXXX. In addition, we have no knowledge of these companies and if they are legitimate. My original student loan was with XXXX XXXX and payments were submitted America Education Services. I 'm requesting a full investigation on this matter as I strongly feel that my rights as a consumer has been violated with these people. This has caused a XXXX in my life. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, XXXX, I mailed a letter to Experian asking for them to conduct an investigation on various accounts. I received a letter dated XXXX XXXX, XXXX stating that " If you question the results of our dispute process, then you may want to contact the furnisher of information directly or review the original information in the public record. Please refer to your original personal credit report the furnisher or public records office name, address, and phone number ( if available ). 

According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agency 's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information r the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosed all relevant information regarding the consumer 's dispute, etc. '' *This letter was sent to me however no results to the investigation were ever provided. 
*Using the report # on the letter sent, I was not able to access my credit report. 
*I was unable to access my credit report with the report # or with my personal information. 
*Contacted Experian on XXXX XXXX, XXXX and spoke with XXXX and went over the items that were placed under dispute. Not all items listed on my request were placed under dispute. XXXX stated she could n't see where they had sent out the results of the dispute and could n't find my letter initially. 
*She offered to place the items that were included on my letter that they did n't place under dispute in dispute, and I declined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I previously filed a complaint with CFPB Case No. XXXX, and XXXX. I received a letter from Key Bank Operations Manager XXXX XXXX, please see attached document. I placed multiple calls to her only to every time get her voice mail. She never returned my calls. Even though I feel I did n't owe the {$47.00} I paid it anyway, please see attached receipt. I paid the {$47.00} at Key Bank Branch on XXXX XXXX XXXX XXXX. XXXX XXXX, N.Y. The bank officer XXXX XXXX kept calling Key Bank home office and XXXX to report I paid the {$47.00} and to release me so I may open a checking account at another bank. XXXX XXXX became frustrated because he was n't getting anywhere and advised me to call Key Bank XXXX and ask for overdraft recovery or collections which I did. No one was able to any longer locate this account and told me to go back to the local branch. I said I was at the local branch and they told me to contact the Key Bank XXXX number. Nobody at Key bank knows how to release a customer from derogatory complaints they made against them to XXXX. Consequently I have not been able to open a checking account anywhere since last year when Key Bank closed the branch I did business with for over 20 YEARS.. I it apparent Key Bank increases their value by not closing accounts when the customer requests and not releasing customers from XXXX when the customer paid it off. Note in the letter they reported {$87.00} to XXXX when I only owed {$47.00} they claim. The operations manager admits it in her letter, never bothering to correct the amount with XXXX. We all know now how they were able to purchase First Niagara Bank. Please let me go on with my life and release me from XXXX, they got my money they did n't deserve and permanently close checking account number XXXX as it is obvious this bank does whatever it takes to gain assets. Thank you.

Company response to consumer: Closed with explanation