milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For years, I 've been trying to get XXXX/Navient to reduce the interest rate I was paying on my school-related student loans based on my XXXX XXXX military status. For years they refused. Finally, when they were forced to reduce my interest rate they credited my account for several thousand dollars based on the overpayments I made for their usurious interest rates over and above Service members Credit Relief Act limits. They also issued me a tax form, claiming that I had the amount credited toward my student loans by Navient as income. Since that money was overpaid I do not see how that counts as income. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am having a major problem with Navient. I have been faithfully paying and paying extra on my student loans, yet the balance is not going down as it should. Navient keeps mis-applying my payments and making interest-only payments on some of my loans. I have contacted Navient a number of times and have asked for managers/escalation, but they always tell me there is nothing they can do about past allocations, that they can fix it for the future, and we go over how to allocate my payment, then they do it wrong again. 

In XX/XX/XXXX I paid {$16000.00} on my loans. When the year began I had $ XXXX in debt and now my balance is still {$30000.00}. I have paid extra and watched the balance creep down to below $ XXXX and then, even though I am still over-paying - creep back up to above it. There is no one at Navient who can explain this to me! 

On XX/XX/XXXX the balance on one of my four loans was {$14000.00} and XX/XX/XXXX it 's {$14000.00}. I paid {$2800.00} in interest and {$340.00} principal this year. That makes NO sense whatsoever. The interest rate on this loan is 4.625 %. No one at Navient can explain this or help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My son and husband are both XXXX.When Billed XXXX. They called to cancel stating they were charged to much. They said they would work with them if they paid XXXX and then XXXX for phone and would suspend account. The next bill came to XXXX. I then called asked to speak to someone in resolution dept, talked to XXXX on XXXX, who said not only would the charge stay at XXXX but also added XXXX totaling XXXX which was sent to collections which has effected my husband who takes pride in paying his bills. We are on fixed income, my husband is XXXX has XXXX and my son XXXX, with whom my husband got phone for. They were dishonest in payment and fees when they sold this product.When I see commercials on what they promise it makes me sick, and to have a person like XXXX who is suppose to help resolve problems, was very cold.

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 08-11-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Please delete this account from my report on all XXXX credit bureaus. This account has been paid since XXXX 2016 and shows inaccurate information reported there after in my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been making payments to FedLoan Servicing for a full year on the IBR, while enrolled in non-profit forgiveness. I filed my yearly paperwork in XX/XX/XXXX, as I was directed to do. They raised my payment to almost XXXX what I had been paying the previous year. I refiled in XX/XX/XXXX for the new REPAYE plan. A glitch in their website caused my filing to be rejected, so I called immediately and refiled as they directed me to do. That was in XX/XX/XXXX. They directed me that I would need to pay {$5.00} for a temporary forbearance until they processed my paperwork. I did. When I still had not heard anything, I called again. They said that they would have to issue the invoice, that I could not just pay the {$5.00}. I waited until XX/XX/XXXX before they issued this invoice, and it was in the amount of {$4.00}. I paid this, assuming that the customer rep had rounded up the remaining penny. In XX/XX/XXXX I was notified that I was in default, and that I owed XXXX what my adjusted payment should have been, and that it was due in 6 days. I called again, and was told that I had not paid the {$5.00}. I referred to the {$4.00} that I had paid, according to the invoice they issued, and they were at a loss as to why I had been billed a penny short. They assured me they would have it resolved in 7-10 business days, and that I would be getting payment credit for the 8 months of non-payments for my non-profit forgiveness. The time has passed and I am still getting emails about being overdue. I have called monthly, sometimes XXXX times, for 8 months, and still have no resolution. It is ruining my credit score, causing XXXX, and I am at a loss as to what to do. It feels like a scam. I can only assume that I am not the only person being subjected to this mismanagement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I was XXXX for Military purposes and used the CITI card that was issued to me. I stayed at the assigned hotel for the period of time that we reserved the room for. We departed as planned. The hotel charged us for an extra day 's stay, claiming that " someone was occupying the room ''. We first tried to consult with the hotel manager, but could not make progress. We filed a dispute with the credit card company a month after the dispute ( XX/XX/XXXX ) and waited for resolution. I continually checked their Online account they have set up for me, and the status of the dispute never changed from a pending-status. I tracked this status for the next month and it never changed status. I called their toll-free number in early XX/XX/XXXX and they stated they do not handle disputes and that I would have to receive a call-back from a claims examiner. Several days passed with no call. I called back and they repeated that they can not provide me with any service related to disputes and that it is handled by a different branch that you can only have them call you back. I demanded that I would stay on the phone until they connected me. They terminated the call. A few hours later, I was called back, and they stated that they had sent me a letter some time in the past asking for details of the dispute. I advised them that I did not receive any letter. They could not confirm delivery. I asked why they did not change the status, use the message-center on the web portal, call me, or email me. They responded that it was not their policy, and they did not have to. They advised me that the claim was closed and there was nothing that could be done. I mentioned that the website stated that it was not closed, and that was misleading. I was then told that since it was a reservation made through the XXXX XXXX XXXX website, they did not have to handle disputes. I advised them that federal law still applies to them. This sort of back and forth continued for some time. In the end, they stated that they did not have to handle disputes, and that XXXX would have to handle them. I believe this is incorrect. I also believe they are supposed to notify you properly about the dispute process. I do not believe they did so.

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 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The following company XXXX XXXX XXXX has placed their company name on my Experian and XXXX Credit reports erroneously. This is a college/ university, I have never borrowed any funds from this company. I once attended this college back in XXXX. Federal Student loan assistance was used to pay for my education XXXX percent. This company has know legal right under federal law ( FCRA ) to report any negative information about me to the credit agencies Experian and XXXX. I have been disputing this account with the bureaus, however it comes back " verified '' each time since XXXX. I have also requested validation of this alleged debt from data furnisher. What I receive from XXXX XXXX XXXX in reference to justifying this alleged debt, were documents showing I once attended their establishment. No legal validation/ verification has been provided to justify their company name on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I learned through friends that Equifax had been hacked and that I should check to see if my personal information, including credit card information, had been accessed. I determined through Equifaxs website that my information was, in fact, compromised, and I placed a 90-day fraud alert on my files. 

At no point did Equifax contact me to let me know that my information was compromised. The burden of determining whether or not I was compromised, and then fixing the issue, should rest with Equifax, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (I do not know) with Direct Recovery Services, LLC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Direct recovery services contacted an acquaintance last Friday on how to get in contact with me, Ive never heard from this company directly until yesterday they tried calling me, they also contacted my dad 3x and step sister 3x yesterday alone, I called them last Friday and ask them to stop calling any person I know threatening legal actions, when I spoke with the first gentleman on the phone he stated a name and last 4 of social which at this point anyone can say there me and get the info in regards to this matter but now the harassing phone calls keep continuing and they will not stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Debt collection agencies keep calling from rotating numbers to collect from a XXXX Account for my daughter, XXXX XXXX XXXX, who has lived in XXXX for the past 15 years. She never had a XXXX  credit card. 

They 've called at XXXX XXXX and repeatedly during the day. Most of the number are XXXX area code, similar to my number. 

I have told them, repeatedly, that XXXX does not live here and that I am on the DO NOT CALL LIST. They continue to call several times a day. 

Recent calls came from XXXX ( XXXX XXXX XXXX XXXX & XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX other numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The numbers continue for months back, for other area codes, like XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a private loan with Navient, formerly XXXX. They have put me into different repayment programs and have never properly credited my payments. No matter how much extra I paid toward my loan, for principal it is never credited this way. I originally borrowed {$13000.00} and even after paying on it since XX/XX/2006 now owe over {$15000.00}. At times when my payment was only {$120.00} per month I was paying {$250.00} and my balance still continues to go up instead of down. This company is a complete joke and has XX/XX/XXXX many consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: Have tried to work with Experian, XXXX and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX Financial car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and Experian, XXXX  and XXXX and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... 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 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contacted XXXX by email and by phone this year. I have asked them to provide proof of the collections item that was sold to Amsher. The only thing I am constantly told is I just owe it. I am a consumer and I feel that I am entitled to a ledger that shows how I owe something from 2010. I have asked for a ledger and I have waited the 30 days or more for the XXXX back office to provide it and it has not happened. I have even asked that if the debt could not be proven to at least write it off. I can only be sent a statement with an amount but not anything with line items. I have suffered with a lower credit score due to this error on my XXXX and XXXX credit reports. There are many other experiences that have been shared by others who have disconnected service with XXXX and after a few years have a negative collections item to appear on a credit report. How can this be removed? I need all of the assistance that you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Other

Complaint: I applied on XXXX XXXX for my first credit card, a secured USAA card and was accepted for a card on the XXXX of that month. I paid the XXXX dollar deposit for the secured card and had problems verifying, which we resolved just fine - and I was told about a week after successful verification that my card was on the way ( XXXX XXXX ). It was also stated clearly in the email that this card would reach me in no less than 10 business days. I was excitedly waiting, but the card never arrived. I updated my shipping information and had the first one cancelled after 14 business days ( XXXX XXXX ) and another sent - I received a letter 2 days after this update saying my contact information was successfully changed, but still no card. I waited another 17 business days ( much longer than they proclaim it will take ) before calling and speaking to a rep named XXXX. She promised to expedite a card to me ( fees waived ) and that it would be here Thursday, which was yesterday. I checked the mail both today and yesterday, and received other mail, but still nothing from USAA. This is the 4th time I 've been expecting a card and not received one, but they did n't even have the time before this on record! I 'm livid ; I have been expecting this card for six and a half weeks! It 's been 40 business days and not a single card has reached me despite the letter I received to my address. Is there anything we can do about this? I lost money that could 've been used for so much other stuff and was broke in college just trying to get this card. I 've wasted so much time waiting for it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Asset Recovery Associates said I have a XXXX debt from XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX ; Collection company says this debt is not recognized by the bankruptcy but my lawyer says it is ; Collection company says they are going to place leans and garnishments if I do n't pay XXXX immediately. The loan was paid down to XXXX from the original XXXX yet the collection company says I owe XXXX if I do n't pay XXXX by the end of the phone call. This company has been reporting this debt to the credit companies. They also ran a credit check on me during the phone call without my permission.

Company response to consumer: Closed
Consumer complaint received 05-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: On Saturday   XXXX   XXXX  , I agreed to transfer tickets to someone for a concert in  XXXX , FL. The agreed upon price was {$1600.00} for  four tickets. The buyer wanted to send me payment via VENMO, which is marketed  by the company to be a safe and secure way to send money easily fro m one perso n to the other. In my previous experience of using the app, I agreed with this.     The person sent me  eight  {$100.00} transactions and  one of  {$800.00} for a total of {$1600.00}. The VENMO app then reflects the amount that you have in your VENMO account in green font and with a plus sign- example : + {$1600.00}, therefore, it APPEARS as if you have instant money. You then have to transfer the money to your bank account which takes  2-3 day s.     It is not until the transfer process begins that VENMO actually begins to verify the funds. I contacted them via help chat expressing my concerns that I was possibly scammed and was basically told to just wait and see what happens to see if the money goes through to my bank. I then received an email from VENMO abou t 2-3  days after the transaction basically informing me that I had been part of a scam and that they were n't at liberty to say how I was scammed but that I indeed was part of a scam, there was nothing that they or I could do, it also said to basically be careful next time, only use the app with people that I know, and that I was out of luck to recover my {$1600.00}.     After complaining to VENMO and demanding they remedy this issue, they responded back by saying they will be permanently deactivating my account, will not offer anything, and will not answer future inquiries.     My main issue/grievance with VENMO is that they are very deceptive in their marketing tactics and exactly how the app works. The " money '' shows from one user 's account to the other " instantly '' and appears to be clear and readily available for transfer to the user 's bank account.     I want VENMO to be more transparent in how the app works and I want them to make me whole again by providing remedy to me in the amount of my loss, which is {$1600.00}.     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 03-02-2016 about Mortgage (FHA mortgage) with AMERICAN SECURITY MORTGAGE CORPORATION (NC).
Issue: Application, originator, mortgage broker

Complaint: I purchased a house this year, closing with American Securities Mortgage. Soon after closing, they sold my mortgage to XXXX XXXX. I received my XXXX from XXXX but American Securities Mortgage is refusing to provide me with a XXXX, stating that since they sold before my first payment, they did n't have to send me one, even though they collected Mortgage Insurance premiums and Mortgage Interest from me.

Company response to consumer: Untimely response
Consumer complaint received 09/15/2017 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX, I called Navy Federal Credit Union in regards to relief from XXXX XXXX and was told that because I have a " VA Loan '' that they can only offer a forbearance rather than a deferral of mortgage payments. I feel that this policy discriminates us veterans, especially in such a time of need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I called Citibank and inquired why I had n't received my new credit card and was told that I had an outstanding balance over 90 days old and that I could not receive my card until I paid my bill of {$4100.00} for charges occurring between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I asked why I had n't been notified and was told they sent me the bills and notices in the mail and I never responded. I then discovered they had the wrong address and telephone number in their system. See attached letter for details.

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