milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I tried contacting Navient to lower my monthly payment for my private student loans. They told me that while they do offer income based repayment options, only XXXX out of my XXXX loans was eligible for this incentive. They told me that my other XXXX loans were not eligible as they were not dispersed before a certain date. I called on XXXX separate occasions. The first time I called they informed me that they could lower my student loan payment from {$410.00} a month to {$280.00}. Then they they told me that they could only get it down to {$360.00}. I had to end the call because my lunch break was over. I called a second time and they suggested that I should refinance my private loan and upon further questioning they decided that they were not able to lower my monthly payment at all. I just want to lower my monthly payment as I have just exited my grace period and I am still getting used to life outside of school. I need a helpful solution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (OK).
Issue: Managing the loan or lease

Complaint: Over the course of 4 months i have been consistantly misinformed and charged for for the misinformation. I was told i could get a cheaper insurance through the company and when doing so I discoverd it was not approved for my state and they could not send me any verification or even receipt showing that i had paid insurance. when i tried to get it resolved they informed me that i had a lapse in insurance and now my premium has gone up. in addition to this, when I called to pay they could not even give me an amount to pay, fluctuating between {$750.00} up to {$1200.00}, my orginal payment was {$280.00}. when I inquired about this it took XXXX transfers and speaking to the supervisor to finally get the right information. Now I have all these racked up fees and they have offered me no solution or anything for this misinformation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX/XXXX/2017 XXXX never received any bill to pay, no notice so i could validate as per fcra. Item just posted to my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with AES/PHEAA (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: When I filed my taxes in XXXX, I received letter from IRS stating my refund was being redirected to PHEAA. I had never heard of this company before. 

I called them and told them I wanted proof of the debt. I called several times over a 2-3 month period and while I was continually promised they would mail to me what this was pertaining to, I never received anything. 

I called the IL state attorney and they attempted to contact them but also no response. They told me to try called the Department of Education.

I called the Department of Education who said they are showing no record of me ever having had a student loan. 

I do n't know what this is pertaining to or the amount which might be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: AFNI tried to offer a different amount to collect. The collection listed is paid in full to XXXX on authorization # XXXX. Not to mention the agent was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with Source Receivables Management LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX, XXXX I had an erroneous collection account deleted from all of my credit reports. On XXXX XXXX, XXXX I see the same debt but it is being reported by the different company, so on the same I submitted a dispute through all XXXX credit bureaus and only on of them removed the debt because they could not verify the debt belonged to me. XXXX and XXXX are allowing Sources Receivable Management to erroneously report this debt as verified on my credit reports. All they did was acquire this debt from another company and are re-reporting false information. I sent a validation of debt letter and all I got in return was a letter telling me my name was on the account. This issue from this company is causing me a lot of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A judgement is on my credit report for XXXX case number is XXXX I have disputed this account. This judgement does 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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Continental Finance Company, LLC (TN).
Issue: Confusing or missing disclosures

Complaint: I have never been to or used this company XXXX/Cont Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, DE 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 08/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My previous Income Driven Repayment Plan was {$66.00}.
I joined XXXX XXXX and my monthly salary significantly decreased so I updated my Income Driven Repayment Plan on XX/XX/2017 to lower my monthly payments which should have been decreased to {$0.00} a month. I provided all documents including proof of income and was told over the phone my payments would in fact be {$0.00} a month due to my low income. On X/XX/2017 my repayment plan was approved but had increased to {$180.00} and was automatically withdrawn from my bank account on X/XX/2017. I contacted Navient to ask why my payment plan had increased when in fact should have decreased to {$0.00}. I was told to resubmit the Income Driven Repayment Plan Request form and proof of income. I submitted the documents on X/XX/2017 and on X/XX/2017 my request was approved but only after financial hardships living on such a low salary.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I fell behind on mortgage. I called US Bank to work out, they told me to send XXXX and I would pay a little additional each payment. Sent that amount, they returned payment to me claiming they received it late and it was not certified. I called them, they told me me I could do again but needed to pay more {$4100.00} certified, told them I would send when I got paid on XXXX XXXX, overnighted to them. It was a weekend so they received on the XXXX. Was told - sorry you needed to have it here by the XXXX - we sent to foreclosure. Now they say in order to reinstate need {$9600.00} only.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: My mother wrote a check to my account to pay my rent. I then purchased a cashiers check to make the payment. Days later after the check had been cashed, Bank of America then put a hold on my mother 's original check sending my account negative. The hold was set to be released in less than a week, but it never happened, and my mother never received her money back. After that I was blocked from viewing my balances for my credit and debit accounts and a hold was placed on all of my banking. When I called to find out what was going on, I was transferred multiple times and finally an incredibly rude customer service repoed told me that my accounts had all been closed. Specifically he acknowledged that there was nothing I could do and that they would be closed immediately. Just yesterday I was told that my accounts are all still open, my credit cards have been billed for late fees and I 'm completely astounded. When I called again just now, no one apologized to me or explained to me what was going on, they originally only let me know that my credit account was still open and then after being transferred and me doing some prying they let me know that my checking account was also still open. When I went to inquire further I was again told that they could n't do anything about it. So here I am, with no active cards or any way of viewing my accounts and balances, still being charged fees. This is truly insane and no matter who I 've spoken to in the company no one has told me what is actually going on.

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 04/26/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: LVNV FUNDING LLC placed an incorrect credit information to  XXXX .   If they can provide any paper signed by me, I 'll upload/send my driver license for your investigators to compare the signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Had service with the company and I moved. When I moved the company could n't provide the service I previously had and suggested another offer they had. When company tried to install the new service it did n't work and the are trying to charge me for the service I never had at my new address. I informed them that since the service was never hooked up in my home in which they are trying to charge me for because they tried to install it over the phone and it did n't work that I should not be financially responsible for it. I later found out that they do n't service the exact building complex I live in and had to use another service anyway. In the building I live in you have satallite dish in order to use service and they do n't offer that through their company they have another company they work with for that. I never used the service and then they told me that it was a previous balance. I asked them how could it be a previous balance because they would n't even had tried to transfer my service if I had one. This  complaint is against XXXX XXXX XXXX amount is about {$210.00}

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 04-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Sir, I am REQUESTING COPIES OF THE FOLLOWING DOCUMENTATION : 1. OFFER LETTER OF Treasury 's Home Affordable Program ( HAMP ) by SPS on XXXX XXXX. 
2. OFFER LETTER OF modification resolution offered by XXXX, XXXX XXXX XXXX on XXXX XXXX. 

SPS contacted me 3 times on XXXX XXXX ; urging/pushing me to switch to a " New program which I qualified for and would better suit my case!! ". The new program was the National Mortgage Settlement modification. NEVER, during any of the phone conversations did the representative provide me information of a HAMP offer on the table. Nor did I receive any documentation by mail of a HAMP offer. Contrarily, the response was that my loan modification was still under review. 
NONETHELESS, my understanding was that my account would be reviewed for ALL and/or ANY program available to assist me in saving my home. 

Respectfully, SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations. 


SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Account opening, closing, or management

Complaint: I received a solicitation/promotion offer in the mail from Chase Bank in XXXX, 2016. They offered to give {$300.00} ten days after opening a new account with direct deposit. I opened a qualifying account on XXXX XXXX 2016. The branch officer filed the form to social security to change my direct deposit and gave me a copy. She told me that when my direct deposit changes and is credited to my new account, I will receive the promised {$300.00}. After waiting until XXXX XXXX, allowing for the time the form she gave me said it may take to process, I called Social Security to inquire why the change did not happen. I was told that the form submitted by the bank officer did not " go through '' but I could do it right then on the phone. I went to the branch a few days after calling SS and showed my confirmation documentation. My direct deposit was changed to Chase in 3 weeks and credited to my new account on XXXX XXXX 2016. When I did not receive the promised {$300.00}, I contacted the branch and after two e-mails was called and told that the " promotion period had ended and I would not be getting the {$300.00} ''. I did receive a phone call two weeks earlier from the branch informing me that she was " looking into it and it appeared that the wrong type of social security payment was entered and that may be the reason it did not work the first time ''. The branch officer who opened the account did ask me what type of payment I received in which I replied " XXXX XXXX ''. As I am not age eligible for retirement benefits, she should not have entered that when filling out the government form. I did everything Chase Bank required to receive their promotional bonus of {$300.00}. I do not believe I should be penalized for their employees error. Chase Bank knows the Social Security system can work very slowly and it even says right on the form she gave me to " allow 4-8 weeks to complete '' so again, I should be given the {$300.00} as promised. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Today at approximately XXXX i called Green Tree to schedule a payment for my mortgage. At such time i spoke to XXXX my account rep. I explained that i was going to be about 34 days late on my mortgage that i will pay it on XXXX/XXXX/15 for the XXXX, 2015 payment. I have done this on XXXX other occasion in the last few months. During the conversation she sees my payment history usually late but like i said only once pass 30 days and i catch up. She tells me to hold on and transferred me to a XXXX or XXXX i could not hear very well. The conversation becomes aggressive immediately demanding that i come up with the money before XXXX XXXX. His tone out of control. I said excuse me did n't your company just settle a suit with such tone, harassment against your clients? He says I 'm not harassing you. I said well guess what are you going to accept my payment for the month of XXXX now for XXXX XXXX? He said no only if you pay XXXX months XXXX and XXXX. I said look i will pay XXXX on XXXX XXXX. XXXX looks as if it will be past due about 35 days. In XXXX i get paid XXXX times that month i should be able not to fall 35 days behind. His tone becomes high demanding again and now even more uncontrollable. Telling me, i just pay rent since i can not keep up with my payments. I told him that i hope this is being recorded bc he is out of control also mentioning that I 'm protected from when i filled for bankruptcy a few years ago that i paid XXXX for this house owe XXXX now and that I have read the contract that i signed under the modification prior to my bankruptcy with them. He keeps on with his tone and anger disrespecting me demanding. That i must pay. I then identify my self as a XXXX and that i do not like his tone. He goes on demanding the payment before XXXX 2015 he adds by saying " pay out or leave your paying rent ''. I said wow i cant believe i hope this is all recorded and before i loose my cool i decided to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IN).
Issue: Payoff process

Complaint: We have a complaint against American Express about deceptive advertising. My son and were issued a XXXX for Business Card from American Express in XXXX and as we own a startup, we needed money. They have this check spending availability feature which allows you to spend a certain undisclosed amount over the limit. We were hesitant at first, and we called American Express in good faith to know exactly how much we can spend over the limit. They told us the website would tell us. We thought, fine, we 'll do that. Big mistake. American Express then pulled both of my accounts with them without any warning. They had us pay a minimum of {$600.00} or more every month. Then in XXXX, they began charging us over {$900.00} per month. We were unable to meet these high minimums. Now they harass us constantly, threatening us. Their debt collectors within American Express threaten to take our case to an outside collections agency and ruin our credit. We tried to explain to them the situation, yet they 're not happy with less than {$3000.00} a month. We now have a hard time keeping our other obligations due to their high demands, causing us to fall behind our other bills, I guess that 's how they plan to ruin my credit. My son handles all the finances with the business cards, and he is even having a hard time paying his cards because of the demands of American Express. We both understand that American Express has been in trouble with the CFPB and other agencies for similar type tactics. Please let us know how we can get them to stop. We even indicated to them we are willing to work with them to get this issue resolved, but they do n't want to listen to us.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with MOHELA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a student loan with Mohela that I am paying on time, it is not delinquent. 
The payment for XXXX 2017 is due now and 16 days past due and they are calling my mother about this debt. she has nothing to do with this loan, thee loan is in my name only. 
This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Settlement process and costs

Complaint: XX/XX/2015, hired a lawyer to handle the complete payoff of our Well 's Fargo mortgage. We questioned close to XXXX in fees and charges. They then sold the house to themselves, and are now evicting us. Spent XXXX on lawyers who wanted more to proceed. Filed suit on our own which is attached. Please review attached documents for detailed story. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Problems when you are unable to pay

Complaint: A claim was submitted sometime ago and was recently completed. unfortunately the financial institute did not pay the total disputed amount. The disputed amount was for {$1900.00} and the financial institution only payed out {$1300.00}. The remaining dispute is XXXX. 

I do have a hard copy of a bank statement that states the disputed amount but i do not have an electronic copy.

Company response to consumer: Closed with explanation