milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX, XXXX TO WHOM THIS MAY CONCERN : I am wanting to file a complaint against Navient dealing with my student loans. I have been dealing with this issue since XXXX XXXX and can not get a definite answer to a monthly loan payment. I am unable to afford what Navient is expecting me to pay. I have talked to many individuals who will give me an amount I am able to afford, and then I will get a bill for a different amount. When I call about this, no one can help me. They tell me I must pay {$5.00} to work on this. I have attached documents that Navient has sent me showing different payment amounts. I have been trying to make payments since XXXX XXXX. Right now, I am able to pay {$260.00} a month. This is the payment that XXXX ( ID # XXXX ) told me would be my payment. When I called in to make my payment that is due XXXX XXXX, XXXX, Navient told me the payment would be for {$570.00}. I was told that by XXXX ( ID # XXXX ). No one can tell me who I need to talk to, so that I can get my payment to one that I can afford with my net income and supporting my wife and two children.
Navient has only given me the two options : one, pay the {$570.00} a month or two, put the loans in  deferment and pay the {$260.00}. That is basically throwing money away. 
While dealing with the Navient issue, a company called XXXX XXXX XXXX XXXX reached out to me and told me they could consolidate my loans with me making a payment of {$150.00} a month for twenty years. I did this after being unsuccessful with help from Navient. After paying them {$190.00} for three months to process the loan, I found out it they had been taken over, and they were a fraudulent company. I was informed of this by XXXX XXXX and XXXX, XXXX who told me to stop withdrawals from my XXXX bank account. As you can see, I have tried everything. I am ready to start paying my student loans, but right now, I am only able to afford the {$260.00} a month. 
I have attached the many different statements Navient has sent me. Please let me know what I need to do to get affordable payments, so that I can begin making payments. 

Thanks, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My Stearns loan is being serviced by XXXX. I never had an escrow agreement for XXXX to pay my insurance or property taxes. But they started paying my taxes, unknown to me. I was also paying my taxes. I paid all my monthly mortgage payments on time, but they kept part of it and so did not apply it to my loan. When I called in they would say they did not have proof of insurance so XXXX times I faxed it in, and customer service would say they would correct it. This never happened and so the loan kept showing in arrrears. Even though I have never missed a payment, my due date remained unchanged at XXXX XXXX, 2014. It was placed in default and I eventually had to pay what they said was the balance due to clear it. As a result, my credit was damaged as it kept showing late payments and default. The loan is now current but there is still the erroneous late reportings. I have never missed a payment, but XXXX has grossly mismanaged this account and caused the missed payment reportings to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WEBSTER BANK, NATIONAL ASSOCIATION (ME).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: In  XXXX  o f 2017, I  called to close my account at   XXXX   XXXX  . They were going to waive a few additional fees and submit my account for closure. In   XXXX   of  2017, I rece ived an additional bill showing that additional fees were accessed and my account was still open. I called and they said they would waive fees but I needed to call ba ck in 10-14 days to   close the account. I told them it was not acceptable and they needed to write me via email when the account would be closed. I received an original confirmation from   XXXX   XXXX  , but now they will not correspond to me via email to verify account has been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest you didn't expect

Complaint: I took a {$800.00} loan out on XXXX XXXX. I was not informed of the 523 % interest rate and I was told there was only a monthly payment of {$180.00} come to find out its bi weekly. I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: For the past two days I have gotten a call from XXXX from a woman who claims to be named XXXX XXXX who says she is calling from the litigation department XXXX ( maybe Weiss ) Law Offices who says I am under investigation for finances and that they intend to prosecute me in court for damages and compensation. They said they have already filed a citation in court, but that if I call, we can resolve this matter without going any further to avoid any criminal charges. They identify me by name and the county I live in but offer no other information about me nor any information about what this matter is about. I have received this call twice in the past two days, XXXX via voice mail. I have no idea who this is nor can I get any information on the phone number or am I sure this is a real law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: M y credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO repo rt shows that I 've made 100 % of my payments on time in the last 24 months.

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 03/25/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington bought my mortgage from XXXX in XXXX, and I have called them at least 10 times at about 15 minutes per call, sent XXXX faxes, and contacted them through USPS. 1. I was told it would be 60 days before it would be reported to credit agencies, but it took 120 days. This negatively impacted my credit score. 2. My monthly payment increased by {$40.00} because Carrington decided that two months ' mortgage - instead of the usual XXXX - is now required for escrow. 3. I was charged {$15.00} for an unauthorized appraisal. 4. Although I canceled my auto draft the week before the due date and paid my mortgage online for XXXX, my auto draft bank account was still charged ; additionally, I was penalized with a {$30.00} non-sufficient funds fee. I was told that my new auto draft account would be active in XXXX, but the old ( now closed ) account was charged on XXXX XXXX, and yet another {$30.00} NSF fee was accrued to my payment. 5. As a result, I can no longer use the auto-draft, online payment, or pay by phone features because of these careless oversights. 6. I received a paper statement in the mail saying that I owed {$36.00} by XXXX XXXX, so I sent payment with the coupon - only to have it returned and certified funds requested. My paper statement for XXXX says I owe {$830.00}. 7. Over the phone, the automated system says both that payment was processed on XXXX XXXX and that I owe {$800.00} for XXXX. XXXX. On the website, it claims payment was received on XXXX XXXX, that my next payment of {$880.00} is due on XXXX, and I am now being charged a late fee without sufficient notice to submit my funds in a timely manner. 9. I am now required to send my mortgage via certified funds for the next six months. 10. When contacting Carrington, the automated system names the company as a debt collections agency, NOT as a mortgage company

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have been making regular payments of {$25.00} to XXXX XXXX for purchases from XXXX XXXX. My payments are on time and regular, but I have made frequent payments early in order to co-inside with my Social Security paycheck. My payments are due on the XXXX of the month. They have been crediting my early payments to the wrong month and then charging a {$38.00} late fee for the month intended. It took me a while to finally figure out what they were doing and I now owe {$150.00} in late fees and other fees. I have made 12 payments as of XXXX XXXX. I have never been late or missed a payment. I do not have this late fee money and do not think I deserve to be charged.

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 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Systems International, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is not the original amount and I was never contacted about this. It was just put on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TN).
Issue: Making/receiving payments, sending money

Complaint: paypal ram roddded my XXXX account incurring XXXX fees repeatedly, then refuses to pay the merchant so assigned the draft for. XXXX should have closed the account, but paypal is at fault here.XXXX has attempted to settle my accounts as an act of good will.When I tell them ( paypal ) to reverse the transaction, they refuse ( nothing but lip service and no way to document a conversation ), my XXXX account gets locked as a side result kiling my internet phone service. THEN, they continue to not only show a negative paypal merchant balance, but proceed WITHOUT AUTHORITY to suck monies from a recently added ( for merchant purchases ) bank account to pay off a credit line held by XXXX bank, not paypal ( drafted my bank account ). They refuse to allow me to delete any other account, despite no longer owning them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

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 01/19/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2015, XX/XX/2015 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 04-12-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Managing the loan or lease

Complaint: I disputed my auto loan account, Santander Consumer USA ( XXXX ) with XXXX, XXXX, and XXXX due to the fact that the status updated is reporting inaccurately ( XX/XX/2016 ). I have also reached out to Santander in regards to this matter. Santander has failed to correct the inaccurate information reported on my credit file which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Amsher Collections on behalf of XXXX. No notification from them yet the hit my credit report. Called them and they ca n't locate my debt. I need help to get it removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was 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 04-07-2015 about Debt collection (I do not know) with NE PROCESSING LLC (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I 've received phone calls from am unknown number and then they started calling from a bunch of random numbers : XXXX, XXXX. The unknown number said that they are going to serve me with papers unless I call this XXXX number and make a payment. I have no idea what they 're talking about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Closing on a mortgage

Complaint: I completed a refinanc e in  XX/XX/XXXX . This refin ance paid in full a loan I had wit h    XXXX   XXXX   XXXX   at  XXXX .  XXXX   XXXX ,  XXXX   XXXX   XXXX , CA  XXXX . Instrument number  XXXX  dated   XX/XX/XXXX  for  the amount of {$15000.00}. ln #  XXXX  date no satisfaction of lien or re-conveyance has been recorded to remove this lien from my title.   I have confirmed that  XXXX  acquired     XXXX   XXXX   XXXX   on   XX/XX/XXXX . Ac quired     XXXX   XXXX   XXXX  ,  XXXX   (   XXXX   ) i n  XXXX , DE.

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 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My original dispute was sent certified mail to Experian on XXXX XXXX, 2016 ( Report Number XXXX ). 
Experian responded within 30 days verifying certain items. Based on that investigation I sent another letter on XXXX/XXXX/2016 requesting the Method of Verification ( MOV ) for the items that was verified. 
Experian on XXXX XXXX, 2016 failed to provide myself, the consumer with documents, addressing the exact procedures they used in the investigation to ascertain the items as verified. My intended purpose of this is to know if Experian contacted the furnisher of debt directly, or used a third party ( if so who? ) and what documents was used to verify items as accurate. According to FCRA Section 611 ( a ) ( 7 ) that governs the request for MOV, Experian had 15 days to respond. They failed to deliver a proper response within allowable time. Experian 's inaction and non-compliance in this matter is inexcusable, and their disregard for the law is contemptible. 
On XXXX XXXX, 2016, I notified Experian of my intent to file a complaint, if they did not delete and remove all the disputed items as pursuant to FCRA 611 ( 15 U.S.C. 1681I ). 
Note : Experian has circumvented and abused the legal system, by responding to every letter I sent, regardless as to the content, as a new claim to reset the clock.

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 03/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: I signed up the an American Express TrueEarnings Card. The contract specifically stated that I would receive cash back for eligible purchases. My first cash back check should have arrived in 2015. It never did. So, I contacted American Express to reissue the check. They refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: An account showed up on my Transunion credit report that I have no knowledge of. They show I opened an account with XXXX XXXX XXXX XXXX , XXXX , OH XXXX, on XXXX XXXX, 2017 for {$3000.00}. I disputed the account with Transunion and they told me it was my account. I contacted XXXX XXXX and their fraud people said they would email a fraud packet to me but they would n't give me any information about the account that is supposedly mine. I have no idea where it was even opened. I have not received anything from XXXX XXXX and have reported the fraud to my local police dept. I suspect XXXX XXXX knows this is n't my account and they could have easily prevented this just by pulling my credit report. I have reported the fraud to the XXXX, NM police dept case # 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 12-05-2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NM).
Issue: Taking out the loan or lease

Complaint: I applied for a secured title loan at a web site called " XXXX '', on XX/XX/2015. After submitting my information the web site stated that I qualified for a loan for {$5000.00} secured by the title to my XXXXPorsche Boxster. The loan site indicated I would receive a loan for {$5000.00} at 7 % interest rate. I was quite happy about this as my wife and I had just moved from XXXX, XXXX to XXXX, XXXX, and we were in need of funds. After I had completed all of the information online, I received a check for {$5000.00}. We signed over the title to my car and only then received our initial bill which showed a loan apr of 88 %. We were quite stunned and my wife called the lender ( Wilshire Commercial Credit ) and asked about the loan interest rate. Again, over the phone the representative stated that the loan was granted at a rate of 7 %. The representative stated that the payment of {$390.00}, almost all of it going to interest was so high because of " fees ''. All of the transaction was completed online, using " XXXX '' ' and nothing that I signed showed the exorbitant interest rate of 88 % apr. After this I researched the company, Wilshire Consumer Credit '' and found that many other consumers had been duped just as I had. In fact I learned that this company was the subject of legal action by the Bureau of Consumer Financial Protection, for similar and other deceptive loan practices. I am requesting assistance from the Bureau of Consumer Financial Protection in obtain a just resolution of this matter.This whole matter is particularly abhorrent given that while I was in the process of obtains this loan, and in subsequent discussions with company representatives, Wilshire Consumer Credit was being prosecuted in court for such abhorrent actions. Please help me obtain a satisfactory resolution in this matter because otherwiseI will certainly lose my car! To make matters worse still, when I received my XXXX bill it showed an additional charge of {$150.00} for " prepaid interest ''. Again, I had not seen anything about such charges until I received the bill! Following our inquires with Wilshire Consumer Credit, they sent us a loan document that showed the interest rate of 88 % apr, which was signed digitally using software by " XXXX ''. At no time prior to receipt of this documentation had I seen this form or signed any document, electronically or by conventional paper and pen, until the company sent this documentation after the loan process had been completed. ACCOUNT XXXX. 

Respectfully submittedXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation