milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have consolidated my federal loans under a private lender, XXXX XXXX ( Navient ). My account shows XXXX consolidated federal loans but payment can not be differentiated between the XXXX. XXXX consolidated loan, which is subsidized, is a lot higher than the other consolidated loan, which is unsubsidized. I 'd like to direct more $ toward the higher amount but Navient says that they are unable to process payments this way. I would like to be able to instruct the lender in how to appropriate my payment, but they are not complying. Navient claims this is a limitation set by federal regulations and it is out of their control.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I made an agreement with Macy 's, back in XX/XX/XXXX, to keep a couch that the material was defective, and they would give me a credit of {$550.00}. This appeared on my credit card statement, but on XX/XX/XXXX, I received a check for this amount under my husband 's name. My husband passed away on XX/XX/XXXX, therefore I could not cash the check due to the fact that I no longer had a checking account with him. I called Macy 's and was told that the account was joint and that I was entitled to a new check. That is when the trouble started! They credited my Macy 's credit card with the {$550.00}, on XX/XX/XXXX. The next statement I received it showed that I owed {$550.00}. I have spoken to multiple people even sent multiple certified letters to the Citibank, which is the bank that issued the credit card. A year later I still have not been able to resolve this issue. I just spoke to someone at the Citibank office and was told there was a resolution and it went to the banks side, I asked what does that mean? I was told that I owe that money! I was never contacted about this so called " RESOLUTION '' I am at the end of my rope I ca n't speak to anyone that knows anything. And at this point I do n't want the money, I want this issue cleared and close my account with Macy 's. I have an excellent credit score and this is not helping me. I need for someone to please help 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 monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with ONLINE Information Services, Inc. (GA).
Issue: Fraud or scam

Complaint: Someone stole my identity downtown XXXX and they was using my name to order different things get an apartment and they spent all the money on my debit card and credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received a letter from McCarthy Burgess & Wolff concerning a debt that I dispute. I emailed them at the address listed in the letter on XXXX XXXX, XXXX and told them that I disputed the debt and to not contact me any further. I then received a call from them on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. The uploaded files are screenshots of the email I sent demanding they stop contacting me and also a screenshot of the subsequent calls from them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: RE : LOANME. These predatory loans should be illegal. I borrowed {$10000.00} in XXXX XXXX making payments {$840.00} per month. In XXXX, XXXX my outstanding balance was XXXX. I paid over XXXX in interest and fees to borrow XXXX for 8 months? How is this legal in California? When I received a monthly statement, there was no information regarding my balance and how much of my payments are going to principal. Apparently XXXX of my payments went towards my principal and interest acccrued daily. This is a rip off and preys on people who are in a challenging time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX I received a bill for {$190.00} for ER services. Since I had not too long moved to XXXX NC I assumed it was my local and nearest hospital and they had sent the bill in error. I then went to the billing department at the hospital and they told me they did not have me as receiving services on that date. In addition, that I was not even registered as a patient in their system. A few months later, I received a letter from SCA collection agency in XXXX NC, stating that I owe the same amount {$190.00}. I discussed it with the rep and told them that I did not owe that money and that I do n't know who could be charging me that being that the hospital does not have me in their system as receiving services. That is because I never went to the hospital on the date they 're claiming that I received services XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). Early this year while checking my credit report I realized that SCA was negatively reporting on my credit and is the only negative mark on my credit report. Little did I know, they had already been reporting for some time. Which brought my credit score down. Sometime in XX/XX/XXXX or early XX/XX/XXXX or XX/XX/XXXX, I called SCA. I spoke to a Rep and shared my findings, in regards to the hospital not having me as receiving services in the ER or anywhere else on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). I then went ahead and filled out a dispute form on SCA 's website. In general, I stated that this was not my bill, to validate or immediately remove from my credit report. I received no response. To be 100 % sure that this bill did not miraculously pop up in the hospital computer system, I went back and spoke to billing XX/XX/XXXX. A woman in the billing dept said the hospital which is XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX ), does not use SCA for their collection services. Further more, she reiterated that they did not have me in the system as receiving services on that day XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). She also said it could have been an ER Dr billing me, but since there 's no evidence of me receiving ER services on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ), it could not be possible. The collection agency Rep was not helpful at all and they are still reporting. To make it clear, I know that I did not go to the hospital or ER for any services on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). The hospital does not have any record of me receiving services on XX/XX/XXXXorXX/XX/XXXX( bill not clear ). However, there is a bill in collections stating that I owe XXXX XXXX XXXX XXXX for services received on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). and I have not received any services from anyone that deals with SCA. SCA is reporting fraudulently on my credit and refuses to validate or remove. Please help.

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 04-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (LA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX I called the customer service line for XXXX/Wells Fargo XXXX XXXX . I noticed they had not processed my payment {$88.00} that I scheduled on XX/XX/XXXX that was due on XX/XX/XXXX that I scheduled for XX/XX/XXXX. My payment was for the full amount due. My balance was now {$110.00}. My payment was still in processing status on their side and not completed. This was my first billing cycle with them so I wanted to make sure everything was alright and was why I logged in the day after my payment was due to make sure everything processed okay. Their customer service agent named XXXX told me that eventually the late fee would be removed, but the interest charges would remain. I informed her that was illegal because I scheduled the payment on XX/XX/XXXX for the due date of XX/XX/XXXX on their web site and I paid on time. It was their processing time that was late. I was put on hold several times and after being put on hold multiple times she said no interest charges would be on my account, but as of now my account still has a balance of {$110.00} no time line was give to me of when my balance will be XXXX  out. I was given no confirmation number just that she would be checking on my account. No call back number no time frame. Just the word of an agent with the a credit card company that I no longer trust.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: TransUnion is reporting a tax lien that fails to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XX/XX/XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute at all.

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 11/25/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: my mortgage companyforced us to have the taxes in my mortgae and they were responsible to pay them and nowthey failed to pay the real estate taxes and now the property is going up for tax sale

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I believe I 'm being over charged for my loans and I 've paid directly to the University without using the loan. I was told I paid off my debt from the school. But the loan service Navient says I owe them money. I want to reduce my billing or become debt free because I think I 'm being overchanged for services I did NOT use.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: The website logged me off, and would not let me continue to get my free yearly credit reports. I was able to get one from XXXX, but the other two timed out or something and would not let me finish what I was doing to receive my reports. Please advise what to do next, and how to proceed. 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 explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I just recieved a phone call from Navient previously known as XXXX. First begining with the conversation I was informed I had a private loan I knew absolutely nothing about. After a while discussing this matter I was offered a settlement of {$450.00}. She tried her hardest to get me to pay this portion in full so this loan i knew nothing about would be taken out of deafault. She offered me to pay {$50.00} a month until the {$450.00} was repaid. I informed her " it was impossible for that to happen '' she fought with me stating " you dont want the lower ammount '' i replied " yes of course " she said " my advice, than pay the ammount i stated '' I have a XXXX husband and child that i am barley able to feed. I offered {$20.00} and she basically told me, that couldnt happen because it would take to long and my loan ( that i knew nothing about ) would be in default until it 's paid and they would charge interest again ( after taking it off to " settle '' ) I also have XXXX federal loans that were just taken out of default through loan rehabilitation ( different company ). Now, after the rehab those federal loans are being handled through Navient. I just dont understand this process and feel very offended that this women thinks i am stupid by tricking me to pay a lower ammount. I also KNOW i was taken advantage of by XXXX when the women who applied for my loans for me, told me the XXXX year old me should apply for myself instead of having a co-signer or putting my loans in a parents name. I was also kicked out during my externship at a doctor 's office ( during work hours ) because i couldnt pay them the money owed for a failed class ( due to absenses ) They never even offered me a payment plan for that. I am outraged that 10 years i am still dealing with the harassment of XX/XX/XXXX. Their lies have affected to many of us and today i am informing you that they are still at it, even after all the lawsuits they have encountered. I am scared to continue dealing with them for my federal loans, due to their im professionalism and vandictive ways. I worked so hard to get those federal loans out of default, after years of bad credit i am able to obtain my first credit card. I am XXXX years old and i am not taking this madness anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Other debt) with I.C. System, Inc. (NM).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I canceled my internet service with XXXX XXXX in XX/XX/XXXX, and remitted payment for my final outstanding balance in XXXX XXXX. At this time I was given confirmation that my account was close, with a XXXX balance and in good standing with XXXX XXXX. I returned the router as requested and that was it. On XX/XX/XXXX, I received a credit alert advising me that a new collection account was open under my personal information. XXXX XXXX transferred a debt in the amount of {$100.00} to I.C Systems. Please be advised that I never received a bill, a late noticed of any kind by XXXX XXXX or I.C Systems given me no opportunity to dispute the debit prior to negatively impacting my credit report. Following the credit alert I contacted XXXX XXXX XXXX Customer Care team, after speaking with several representative I spoke with XXXX. He was great, helpful and took the time to review my concerns properly. He let me know that the {$100.00} charge was for the router. Although they could confirm that the router was delivered, it reflected delivered two days after the allotted return timeframe. Considering that they have possession of the equipment, he moved forward to issuing a credit for the outstanding balance of {$100.00}. I was advised to contact XXXX XXXX on Monday to get confirmation that the account was closed, with a XXXX balance and that they instructed the third party collection agency to delete all negative reporting associated to the debt. Well on Monday XX/XX/XXXX, I was told the credit was there reflecting as pending approval and that I should call again in a few days. I called again on XX/XX/XXXX, and I was given the same story.

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 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid off the entire balance of my credit card on XX/XX/2018. On XX/XX/18, I was charged {$11.00}. 

When I attempted to dispute this charge online, their system did not allow this because the link that they stated to click was not there. We are now trying to get them to credit us this amount, by phone. What is misleading and irritating is that they make consumers think that there is an easy means to dispute a claim, but in actuality, there is not. 


CloseDispute a purchase? 
Click the plus icon next to the purchase you need to dispute. 
Then click the File a Dispute link. -- NO LINK

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (I do not know) with URS Solutions, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A supposed collector or " law office '' called URS, a representative named XXXX XXXX has made repeated harassing calls to a former roommate of mine, claiming they are " officially '' notifying her of multiple allegations attached to my name and social, and that I am being sued by their " client '', and if she does not turn over my information they will be visiting her workplace and home. I have not been contacted directly, nor have I received any written notification of any allegations. Past debts are too old to collect or have already been settled. The number that appears is XXXX, and they request a call back at XXXX with a reference ID to the claim of XXXX. This occurring in tandem with someone attempting to hack my XXXX account, so I am not sure if my name and information has been stolen and sold for scams.

Company response to consumer: Untimely response
Consumer complaint received 07-12-2017 about Debt collection (Credit card debt) with Continental Finance Company, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: about couple of months ago i received a call from about a credit card that i had i think was charge off and was sent to another company and it was reopened with balance of {$1900.00} the guy ask me did i have knowledge of it i said a little bit.the guy said they sent me letters pretaning to this but i do n't recall he said to keep a judgement from going against me or garnishing my wages he would take the balance down to {$1200.00} i was nervious so i agreed to make payment but what i quote him at first was to high for me i could n't afford it.so we agreed on {$50.00} bi - weekly .i Sign the document by computer and i also had to give them my account # to the back for debiting.I can send you a copy of the contract.when i look the company up by name i think just and address and phone # came up.please let me know if i did the right thing or if anything can be done at this point please help if you can

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: After having a checking and joint checking account with Wells Fargo for more than 23 years I received a letter from Wells Fargo in XXXX of this year advising me that after reviewing the account relationship they had decided to close my accounts. No reason was given and no one could give me any reason for this arbitrary decision. I am in my mid sixties and have not had any bounced checks or anything negative. I also have a very good credit report. This unilateral and arbitrary decision has harmed me and turned my life upside down. I 've had to stop automatic payments, deposits, etc etc. I think it 's disgraceful that a huge financial institution which engaged in fraudulent activities should be allowed to unilaterally close muy account. As a senior citizen I expected to be protected from harmful banking acts. Your help will be appreciated

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 07/14/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Credit decision / Underwriting

Complaint: Today is XXXX XXXX, 2016. My realtor and I have attempted to get in contact with Flagstar to sell my house for two years. After my initial complaint, it seemed that we did get a bit further with my file and a buyer 's offer was accepted. On XXXX XXXX the buyer requested an extension for the closing date. Our single point of contact initial was XXXX XXXX, then the file was passed on to XXXX XXXX, who never replied to any emails or phone calls concerning the selling of my home. Today both my realtor and I called and was given the Team Leader 's name which is XXXX XXXX. The rep seemed pretty helpful and told us that all we needed to do was provide XXXX XXXX with the Hud1 final and the Closing Document. We sent that over immediately while on the phone with the rep. Everything was confirmed and she replied that he would get back to us by the end of the day. This was at XXXX. Confirmation of receipt was provided around XXXX, called back at XXXX, confirmed reviewing of documents, called at XXXX, XXXX XXXX and XXXX XXXX XXXX were gone for the day. I personally called at XXXX and recorded this message and they told me that they will email again and to call at XXXX central time XXXX. Closing is at XXXX. tomorrow XXXX XXXX, 2016 and we have been trying to get information from Flagstar since XXXX XXXX, 2016. Please help!

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