milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was recently laid off from my job and attempted to see if I could get my student loans from Navient temporarily suspended until I could find work again so that I could continue making payments. Navient told me my only option was to put the loans on forbearance for 3 months and they would have to charge me {$150.00} for this service ( completely unacceptable to take advantage of someone this vulnerable! ). I have also attempted to lower my monthly payments of {$500.00} with them and come to finally find out that I 'm only on a 5 year term repayment plan ( which I was never informed about ; no wonder I 'm paying {$500.00} a month! ) They informed me that in order to lower my monthly payments they would have to extend my terms which would require a credit check ( not sure why that is ) and my co-signer would have to prove she is not able to make the payments either. I 've attempted to remove my co-signer a few times off of my loans as I 'm no longer in contact with them and I 'm XXXX years old and no longer need a co-signer. Navient is extremely difficult to work with and I want my payments temporarily suspended until I can find a job without getting charged for it, I want my monthly payments lowered, and my co-signer removed from my loans without her permission as I 'm XXXX years old, no longer need a co-signer, and I 'm the primary on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GLA Collection Company, Inc. (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Well it all started we i ask gla to send me a copy of a lease that i sign.I spoke to XXXX and he said i had thirty days to respond to the letter that they send to my job, which i did I also told him the only way that they could have gotten my home address is by speaking to me, because the letter that was sent to me was sent to my place of employment. They still refuse to send me any document that i have requested. XXXX XXXX also told me that they have already contacted my employer and that the money will be deducted out my check which i told him to do what he needed to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX I disputed this Information via by Mail and again By their webiste. On XXXX XXXX XXXX Experian stated that the information was unchanged and had gotten validated proof from said credit. When asked to furnish these findings via Mail. I got no response yet the Bureau still has this item listed with very inaccurate information. It is still being reported on my credit report when it stated that XXXX XXXX the item would be removed. This company allowed XXXX XXXX to continue to make illegal reports to my credit report violating my civil rights. under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization

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 03/20/2015 about Credit card () with DISCOVER BANK (NH).
Issue: Closing/Cancelling account

Complaint: I have been a Discover credit card holder since 2007. During my entire membership with Discover, I was never late with payments, and always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

About a month ago, without any notice in advance, Discover closed my account and thereby wiped out my existing cashback rewards of {$300.00}. I contacted the company and demanded for an explanation. However, the only reason I got is " we are no longer able to meet your servicing needs '', and I was told the rewards will be mailed to me in a check. Now, after 6 weeks, I still have n't received any check from Discover regarding my rewards. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a unauthorized and fraudulent inquiry from XXXX XXXX XXXX listed on my Experian credit report. I did not make the inquiry. The inquiry is unauthorized and fraudulent.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TransUnion has placed a fraud alert on my credit report. I contacted them, requesting removal because I am getting denied credit. They have not removed it. 
In addition, Transunion continues to add names and phones numbers which does not belong to me after I provided documentation to verify my identity, employment, and contact information. 

The XXXX XXXX XXXX has requested all loans on my credit that were with the XXXX XXXX XXXX XXXX be deleted from my credit, as my loans were all rehabilitated. Transunion has refused to remove one account claiming the XXXX XXXX XXXX XXXX did not request removal for that one account.

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 10-04-2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My private loans are being serviced by American Education Services and I recently defaulted on a loan. After my loan defaulted I was told by an American Education Services representative that there were options available but it was too late now. I called weekly before the default to see what options were available and was always told no options were available to lower payments or interest rates. Loan payments are {$1500.00} a month, I can not live on making {$300.00} a week payments. Need a way to consolidate my private loans and lower the payments. 

Recently featured in the local paper about the difficulty I have been having dealing with American Education Services. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On  XXXX / XXXX / XXXX , after telling the company not to contact me on this matter ON TWO PRIOR occasions, I received a collection call from a representative of Navient attempting to track down a step-child of a marital relationship that was terminat ed TWENTY-FIVE y ears ago.     I have advised this organization that I do not know where the person resides and I have n't seen or heard from the child or her mother since  XXXX .     Additionally, on this same date my wife received a phone call from Navient as well on this matter.     This is harassment and I demand it stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX credit card opened in XXXX with a/c # XXXX I had a job lay off in XXXX and a foreclosure because of that in XXXX. I was working with an attorney and somehow i was given wrong information at that time and i added the credit card account also part of the process. It was charged off in XXXX. Based on understanding from previous research, XXXX settled with Federal govt. and agreed not to proceed with any further collection efforts. I was sent a XXXX and balance of XXXX was reported as income and i paid tax on this amount. However, XXXX is still reporting this to credit agencies as Amount due, and the current balance is showing as XXXX I have been trying to contact XXXX multiple time and have been forwarded to different groups and call centers without resolution. Here are the details below for the calls today XXXX/XXXX/XXXX, after i got the latest update from Equifax that, XXXX verified the past due amount on XXXX/XXXX/XXXX as XXXX Called XXXX at the no given by the Credit Agency - Equifax as the contact details XXXX, DE-XXXX XXXX Was asked to contact - XXXX Talked with XXXX XXXX ( ID ) Confirmed the a/c no is XXXX Got transferred to XXXX XXXX ( ID ) Was advised to contact XXXX XXXX XXXX She transferred me to XXXX XXXX ( ID ) She advised to contact XXXX XXXX XXXX Got disconnected Please find aatached the XXXX form from XXXX. Kindly help

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have not gotten an up to date report showing information has been corrected by Equifax. Nor have I gotten a free credit score showing

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Non-federal student loan) with Riverwalk Financial Corporation (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A collection was placed on my Transunion credit report on XX/XX/2017. It is set to be removed XX/XX/2017, which is odd. I have received no notification from the creditor. I do n't know anything about this debt - whether it is mine, if it 's outside the statute of limitations for reporting, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other

Complaint: Citi XXXX XXXX Credit Card - have balance under promotional offer - Titled Offer 5 - 4.99 % until balance paid - had no other balances due. XXXX/XXXX/15, purchased concert tickets. Purchase went to Offer 9 - 1.99 % until XXXX/XXXX/15, then standard rate of 17.99 % after. Concert cancelled by artist. Purchase refunded by Citi on XXXX/XXXX/15. Citi applied refund under Offer XXXX instead of Offer XXXX. Charged Interest on offer XXXX for XXXX and XXXX for a refunded purchase. Statement showed Offer XXXX balance subject to interest rate of {$140.00} with interest charge of {$0.00}. Made payment. XXXX Statement showed Offer XXXX balance subject to interest rate of {$170.00} with interest charge of {$0.00}. How does a balance go up by {$34.00} when a payment was made and the interest charge was only {$0.00}? Also, because payments apply to higher balances first, and Offer XXXX balance is much higher than Offer XXXX, my next payment will not touch Offer XXXX and Offer XXXX will revert to the 17.99 % standard rate. The practice of not applying a refund to the offer in which it was charged has me paying interest on a refunded purchase and has set me up to fail completing Offer XXXX in the required timeframe and raising my interest rate. Because the purchase was relatively small, the net effect is minimal but, if this were a much larger purchase, like if I bought tickets for a large group so we could sit together, I would be subjected to a much higher interest payment, especially after it reverts to the standard interest rate. I feel this practice is fraudulent and wonder how many others are affected. I am sure it could exceed XXXX per month that Citi can collect fraudulently, with most people unaware. I spoke with manager with Citi, but they unsatisfactorily explained this to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (WA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I am not sure ; but they took the loan payback out of n my paycheck, back in 2012, they have been harassing me ever since for money. It 's insane!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Good morning, my issue is simple, Ocwen Bank denied my loan modification. I am in eminent default. They refused my calls, checks, and request for over a year. Now they claim the investors for my loan type do not offer loan modifications. On the Ocwen website they have plenty of options for customers who are in default, they did n't offer me anything. Please help as I want to catch up my mortgage payments and do loan modification. They also refused my request for Qualified Written Request, I have a MAJOR error in my account as the bank has refused to discuss my account up until I have filed a series of complaints, the largest error is nobody even until now can tell me the status of my account, balance, etc. this appears to be highly illegal PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TX).
Issue: Shopping for a loan or lease

Complaint: These people are sending me approval papers like this and I know it is a scam

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 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: First I do not owe this debt. 
Second I received a letter stating that AFNI would call the debt paid in full if I paid XXXX % of the debt Third, I received a letter that the XXXX % was received but now I still owe the other XXXX % this is a clear violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ABC Financial Services Inc. is the billing company hired by XXXX XXXX XXXX XXXX XXXX health club. At the time that membership was agreed to a detailed contract was signed, naming ABC Financial Services as the sole company responsible for enforcing and collecting on amounts agreed to on the contract. I suffered an injury that made me unable to attend the gym and therefore need to cancel the annual contract. Repeated mis communication and increased charges became the trend, the most blatant is a " cancellation fee '' of {$50.00} not detailed anywhere in the contract. When I emailed them a scanned copy of the contract showing no such fee was disclosed, different responses were received including first, see our website for terms ( not referred to anywhere in the contract ), then later, speak to the gym management, of course gym management said to speak to ABC financial services. Fees to which I did not agree to, {$50.00} cancellation fees should not be charged, only what was agreed. This company needs to clearly disclosed in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Recently there was a problem were inquiries were removed then added again. Some of mine were deleted then added again when I looked at my XXXX XXXX account. Please have them delete these.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: four years ago discover student loans advertised on their website and those claims were stated by a customer service rep, that co-signers would be released after 18 months-two years of on-time payments. Now they say they made no such claim. 
Can they back out of this? We took the loans under false pretense and information by discover. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX   XXXX - XX/XX/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 10-08-2015 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an escrow account with my mortgage. I received a cancellation notice of my homeowners insurance and called the escrow dept and they stated they had no record they were to pay the insurance. I had slipped through the cracks\!! They ended up paying XXXX annual premiums. Then my property taxes were due and I was assured my taxes would be paid. However, it created a major deficient in my escrow account. During that period, they did an escrow review and notified me XX/XX/XXXX, my payment was increased {$100.00} in XX/XX/XXXX- not even XXXX days notice. My payment does not need to be increased. It was only because of their error the mess was created. Their mistake and I am penalized. Then I received another notice my payment would be increased {$100.00} in XXXX, 2015 to correct the escrow account. The insurance company is to return the overpayment to me but I have not received it. As soon as I receive it, I will correct the deficit on the escrow account. In the meantime, the company has sent me the statement for XXXX, 2015 adding an additional payment of {$45.00} I presume is for the escrow account. I am informed that when the deficit amount is brought current, I can request to eliminate the escrow account which I plan to do. But what do I have to pay until then? Not my mistake and yet I have to be penalized. Customers who have not missed a payment nor been late with any payments, should not be treated this way. They violated the rules and are trying to make themselves look blameless and blame the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Wells fargo failed to close accounts I had closed 15 years ago and they claim someone charged {$1000.00} worth of XXXX on a card I closed years ago, I do n't even have an XXXX, and they put this on my credit report. 
Firstly it 's a fraudulent charge I never did. Secondly that card should have been closed anyway. I have not had anything to do with WF since the bailout. Please help my get them out of my life Completely.

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