milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: **This is a complaint about NAVIENT loan services** *I 'm not sure what type of loan I have ( Federal or Private ). Every time I spoke with someone from NAVIENT, I was given a different answer. 
*I have been denied income-driven payment methods for the past year. I was always re-directed to the forbearance option each time I talk to a representative. *Forbearance DOES remove the need to make monthly payments, HOWEVER it increases my interest, making my overall payment HIGHER. 
*In order to even talk to a representative about income-driven payments, they had both myself & my cosigner fill out financial statements ... Each of us were forced to fill one out AT LEAST 5 TIMES!! Apparently they do not save this type of information on your account?? 
*One time while filling out a financial statement, one NAVIENT customer service representative accused me of lying about not being able to make my $ XXXX monthly payments by saying " sometimes people CAN pay but they just DO N'T WANT TO. '' *On numerous occasions, I HAVE filed for forbearance, and the next day they were calling my house wondering where my payment was. Do they have no sense of tracking peoples ' accounts? 
*I find it absolutely frustrating that a company offers income-driven loan payments on their website/in writing but once a customer inquires about the payment option they redirect them to forbearance.. WHICH MAKES YOUR OVERALL PAYMENT EVEN HIGHER!

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Ally financial was a debt that was disputed through XXXX XXXX received notification that the debt was removed I call the credit bureaus and they stated the debt was updated and remains on the report and has a collection agency now calling harassing me of a debt I do not have a contract with this collection agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: a six year old check ( XX/XX/XXXX ), was deposited in a XXXX XXXX XXXX in Florida, XX/XX/XXXX and taken out of our BB & T bank, XXXX, Pa. without our authorization. 
We have a Fraud case NO. XXXX with BB & T. We have tried to find out what is happening ( as we froze this checking Acct. ) and have no answers from anyone. 
XXXX XXXX from BB & T ( XXXX, pa ). is handling our Case. XXXX. We were in this XXXX XXXX office XX/XX/XXXX and could n't see her. She called us the next day saying she was going on vacation and XXXX would find something out and call us this past week To this day no response. A relative in Florida lost this check and we feel we voided it as it was XXXX XXXX XXXX in XX/XX/XXXX, and replaced the check. We are long time customers at the XXXX, Pa. Bank. We appreciate whatever you could to help us. 
Thank You XXXX 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 07-08-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a credit card debt through Washington Mutual go to collection in XXXX. In XXXX of XXXX, I paid the debt in full through XXXX, a law firm in XXXX, Kentucky. I received a fulfillment letter from XXXX. 

On XXXX XXXX of this year, I began receiving calls from ( XXXX ) XXXX regarding this debt that I had already taken care of. My mother, brother, and sister have also received numerous calls from the same agency. As best I could tell, the company name is XXXX. However, I could not find it on the internet and the callers and call-takers sounded to be from XXXX. Some were very difficult to understand. 

I told the callers that I had paid that debt and that I would e-mail them a copy of the fulfillment letter. They insisted I fax the letter. I do n't have fax capability. At first they would not give me their e-mail address " for security reasons ''. I asked to speak to a supervisor. The caller then gave me XXXX e-mail addresses, neither of which were good. I have saved a copy of the e-mail I attempted to send them. 

I called the agency back this morning after learning that my e-mail was not delivered because of a bad e-mail address. After two or three highly frustrating calls, I finally spoke to a supervisor at XXXX who said she was making a " cease and desist '' notation in my file and assured me that I or my family would not be receiving any more calls from them. 

At XXXX XXXX, both my brother and I received calls from the agency. My mother received a call from them at XXXX My sister also received a call from them sometime AFTER XXXX when I spoke to the supervisor. 

When the agency called me at XXXX this morning, I answered and abruptly told the caller that I spoke to a supervisor at XXXX this morning and she was to have entered a Cease and Desist note in my file and I wanted to know why they were still calling. She told me I did n't have to talk to her like a child. I asked to speak to a supervisor and she hung up on me. I called right back and asked to speak with a supervisor. This time a male call-taker hung up on me. I called back a third time and my phone number was blocked. I called back using a XXXX phone number. The call-taker asked what I needed. I said I wanted to speak to a supervisor and she hung up on my as well. 

I have made a good-faith attempt to provide this agency with proof of fulfillment and they continue to harass me and my family with their phone calls - even after I was told we would not receive any further calls from them. Please look into this company. It appears after XXXX the company phone number, there are several other people who have had bad experiences with callers from that number. Some thought it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on XXXX is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: Transunion and XXXX XXXX is illegally and intentionally reporting a bankruptcy XXXX on my credit report. On XXXX XXXX I was advised by a Transunion representative that they validated and verified my account via XXXX XXXX on XXXX XXXX XXXX. I called XXXX XXXX on XXXX XXXX, XXXX to confirm how this was because I put a complete freeze on my consumer report in XX/XX/XXXXdue to fraudelent activities. I was told by a XXXX, ( XXXX ) that i indeed have a freeze and no one including Transunion has access to my report but THEY ( XXXX XXXX ) contacted Transunion on XXXX XXXX to verify and validate the dispute I had with them regarding the inaccurate reporting of the bankruptcy reporting on my consumer report with XXXX XXXX. I was and still in total disbelief that both companies are disregarding the FCRA law as it pertains to how a consumers information is to be validated and verified and reported which is only through the original furnisher which in this case would have been the Bankruptcy Court which they ca n't validate. This bankruptcy that Transunion and XXXX XXXX are illegally and inaccurately reporting on my report has not been validated within the 30 days and must be validated thru the original furnisher and was not. I plan to sue both XXXX XXXX and Transunion for their unethical business practices if not removed immediately as required by law. Please assist in giving them guidance and instruction on this matter. It 's blatant XXXX XXXX has broken the law and provided someone with my information with out authorization after my report was frozen and it 's blatant that Transunion did n't verify the dispute in accordance with the law because they ca n't but they continue to report rather than delete as required. They claim they both contacted each other to verify so how did it get verified if either party verified. I do n't have a bankrupty reporting on any other credit bureau but Transunion.

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 05-07-2015 about Credit card () with U.S. BANCORP (MA).
Issue: Rewards

Complaint: In XXXX I applied for the XXXX XXXX Premier Rewards Visa Signature Card and was approved for the lesser card ( XXXX XXXX Rewards Visa Platinum Card ). Most of the benefits were the same for both cards including the " Bonus Night Award Benefit '' which entitled you to the last night free on any award stay. Below all the benefits on the application page for the Platinum card it stated " Enjoy all of these benefits for {$50.00} Annual Fee ''. 

Less than XXXX weeks after being approved for the card, I received an email saying effective XXXX XXXX the " Bonus Night Award Benefit '' was going away permanently. I feel like this was a bait and switch scenario. They also did not change the language on the application page for at least a week after announcing this benefit loss. I signed up for the cards under certain terms and now they are changing. I would not have taken the inquiry hit had I known this benefit was going to be taken away. 

To make matters worse, I just read effective XXXX XXXX, there will be XXXX hotels changing award categories, with XXXX hotels moving up and only XXXX moving down. There are XXXX hotels going from either a category XXXX or XXXX to the top category XXXX requiring at least XXXX additional points for an award stay. 

I was not happy about these changes so I contacted U.S. Bank about having my annual fee refunded. They declined the refund and gave me XXXX points for my trouble. I do not feel this is sufficient for such a major benefit loss to their program. This credit card is significantly weaker than it was just 5 weeks ago and I absolutely would not have applied under these new terms.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated from XXXX College XXXX XX/XX/2004 I had Private Student loans through XXXX, now Navient. Since graduation, I have had BEYOND numerous problems with them. They have withdrawn monies from our bank account without authorization, changed scheduled payment dates/amounts without notice, failed to properly distrubute payments on account to correct loans, and have called us to collect payments earlier than scheduled to get a double payment for that month, then refused to return additional payments. They call my parents who are co-signors on my loans, up to 5 times a day trying to get additional payments, even when there is a automatic scheduled payment pending. I have made payment to account, only to find out 6 months later that they erroneously entered information and thus did not get payment from the bank, then charged me late fees for their error. They REFUSE to let you speak with any kind of supervisor above a manager and they do not return calls when promised. Any arrangements made with XXXX operator, will not be known by other operators from a different call center. It has gotten to a point when any dealings with them are completely unreliable!! My issue is all of the ones listed below on " Dealing with my lender or serivcer!! We have been told there is a penalty and or reported negatively to credit bureaus if loan is paid off early. We have been hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (OK).
Issue: Managing the loan or lease

Complaint: I took out a loan from XXXX XXXX for {$400.00}. I was told there would be a {$140.00} service fee but after the loan was complete I received an email showing I will be paying back a total of {$1800.00}. I have to date already paid back a total of {$560.00} but they are still deducting money from my checking account. They are charging an interest rate of over XXXX %. The company has now changed names to Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Consumer Loan (Vehicle lease) with CONSUMER PORTFOLIO SERVICES, INC. (NC).
Issue: Problems when you are unable to pay

Complaint: I got a loan in XXXX with Consumer portfolio services. I did not pay the loan off because the car was stolen and never recovered. Insurance paid the balance at the time. The creditor has been reporting this debt and changing the dates past the seven year period. The car was stolen I believe in XXXX but they are reporting XXXX as first report date. I have disputed with the credit bureau who indicates that the information is correct however, it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was making payments to this third party company for my visa credit card balance and they called me to demand that I give them my bank information so my payment would be taken out automatically. When I refused to give them the information they became hostile and threatened to take legal action. When I asked for a supervisor I was disconnected. I called many times and they hung up on me repeatedly. I have seen many complaints against this company and a pending lawsuit. I do n't even know if they own the debt. When I request information they hang up on me. They continue to call daily after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I was forced into signing a 15 year mortgage instead of a 30 year mortgage which I could have afforded. My abusive husband divorced me and left me with the house XX/XX/2016. I am behind on my mortgage, and the lender, Rounpoint Mortgage Servicing Corporation is not cooperating within the legal boundaries of my consumer rights. 
First I contacted XXXX in XXXX when I was XXXX months behind on my Mortgage payments. They asked me to pay {$1500.00} in XX/XX/XXXX to catch up the payments. I could n't afford to, but they told me that was the only option that I had. Being a single mother of XXXX children this was not easy for me to accomplish. I prayed, and a close friend gave me the money and told me not to bother repaying him for it. I was still behind. Roundpoint told me that they would be automatically deducting payments from my account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$1100.00}, and tha tI would be caught up in XX/XX/XXXX. That never happened. But again, I make $ XXXX/hour, and am a single mother supporting XXXX children. I called again in XX/XX/XXXX, once I realized the money was not coming aout of my account, and was further behind than before. I talked to someone else. They wanted another {$1500.00} before they would set up any kind of payment plan. I tried to set that up for XX/XX/XXXX, but did not have the money. I called again, and got nowhere .... I did some online research and found out about a program called Making Home Affordable. I sent all of the HAMP documents to Roundpoint via 2nd Day Air XXXX, and obtained a proof of deliver. And I waited. Nothing. Two days ago I received an updated statement from Roundpoint indicating that I owed over {$7000.00} this month for my mortgage and was facing foreclosure again. 
Today I spoke to XXXX XXXX from another organization that I found online called Hope Now, that specializes in helping people who are facing foreclosure. After explain this to XXXX, I Was advised that Roundpoint has broken some rules. Roundpoint not once offered me any information, nor provided documentation for me for the Making Home Affordable process, I found that on my own. Roundpoint never offered a single point of contact for me. Roundpoint never offered any type of payment plan for me. Roundpoint did not respond or attempt to contact me within any amount of time within 30 days of me sending them the required information to modify my loan and place arrears in deferment over the life of the loan that I requested. I was ignored, my rights were violated, my credit rating is ruined, and I am scared to death that I am going to lose my home to foreclosure.

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My  Auto n ote is {$350.00} a month with the payments being divided between my  XXXX  paychecks and rendered before or on the  XXXX  of each month. Supposedly in  XXXX   2014 , the second half of my payment was {$10.00} short and my account has been notated as 30 days late on my credit bureaus ever since. My payment is due on the  XXXX  but they tell me that they need to post it on the  XXXX . Makes no since. Either the  XXXX  ( according to my paperwork ) is the due date or it is n't.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: As a way of background the servicing on my mortgage loan was transferred in XXXX XXXX from XXXX to PNC Mortgage - In XX/XX/XXXX the homeowners insurance was due to be paid. As a result of incorrect payee setup the Insurance was incorrectly paid and my insurance was subsequently canceled. My insurance agent called me on XXXX XXXX to notify me of the cancellation and I contacted PNC Bank. After an hour on the phone PNC bank did confirm that the account was incorrectly paid and spoke with my insurance agent to say they would overnight a check. A half hour later they informed my agent that they could not send out an overnight payment as they did not have the ability to set up a payee timely. My insurance agent called me at XXXX and informed me that if a payment was not received by XXXX the insurance was not going to be reinstated and I would continue without insurance. I subsequently made the payment of XXXX dollars and as of today I am still waiting for my refund from PNC bank. I have spoken with multiple representatives, Supervisors and left multiple messages for the manager to call me. Throughout this process one thing has been consistent - not one supervisor or manager will call me back. After speaking with another representative today I found out that once again the incorrect agent was paid and no one can tell me when I will get the refund. As the refund amount is XXXX my having to front this money for PNC has become a hardship. Unfortunately this hardship does not appear to be any concern of PNC Mortgage as there certainly has not been any urgency on their part towards resolving the matter never mind simply giving me a call back. The fact that this loan was transferred to PNC has become a challenge for my wife and myself and a scenario that we wish had never happened.

Company response to consumer: Closed
Consumer complaint received 10/17/2015 about Bank account or service (Other bank product/service) with EARLY WARNING SERVICES, LLC (CA).
Issue: Account opening, closing, or management

Complaint: I tried to open checking account with XXXX and was denied based on information provided by " Early Warning Services , LLC ''. Information, I believe was inacurrate.

Company response to consumer: Closed with explanation