milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Managing the loan or lease

Complaint: I have a loan with rbs citizens bank. Their fees are ridiculous if you ever get behind in a payment they talk to you like XXXX terrible customer service i tried to defer my car payment do to hardship they denied it i asked could they change my payment day later in the month they refused to. Two days before my loan was 2months behind i tried to pay for one month they refused to take my payment they demanded i pay for both months and a ridiculous reposession fee. My car was never repossessed they told me the fee was because they submitted it to be repossessed on top of these ridiculous late fees i am current with my loan but for some reason they are still charging me late fees. I dont like to call them because they are so rude

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In repaying my student loan based on an income-based repayment plan, I received information from Navient about the renewal processes only through an email with an obscure subject line and with no information providing the date by which I should request renewal and what the consequences were of a late renewal request. As a result, the benefit lapsed, and resulted in the capitalization of USD XXXX in interest added to the principle of the loan, increasing the amount I will ultimately have to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently viewed my Transunion Credit Report. I have disputed XXXX accounts ( CAF # XXXX & XXXX ) since XXXX 2016. Both these accounts have been properly investigated and removed from my XXXX & XXXX Credit Report but still remains on my Transunion Report.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 'm filing a complaint against Navient. Several years ago, after taking over my loans from XXXX XXXX, Navient had me sending payments for my XXXX different Lon types to thrsame address. At some point after this began, the address for XXXX loan type was switched and I was never informed. I continued sending payments to the address I had originally received. Several months later, I was informed ( through XXXX XXXX ) that Navient had reported me delinquent on over XXXX individual loans- the loans connected to the account with the address change. When I called Navient to find out how to disput this ( I would have been a point t accept XXXX report of delinquent payments as at that time, I would send a single amount for the loan group ) the customer service representative I spoke with informed me that she alone received multiple calls about this same issue on a daily basis. I followed the steps that were outlined to me to have the information removed from my credit report. Navient denied me. I 've also had several payments returned to me without any clear explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (I do not know) with Delbert Services (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: My wife received a call today on her mobile phone ( XXXX ) today, XX/XX/XXXX at approximately XXXX XXXX EST from a company identifying themselves as XXXX, a " fraud arbitration '' firm operating supposedly out of XXXX PA. I tried to look them up online and found no information to verify. The person asked for me, XXXX XXXX. The caller who would not identify herself stated she was investigating a fraud complaint from a company called XXXX XXXX XXXX / XXXX XXXX related to a financial transaction in XX/XX/XXXX. She rattled off some of my former addresses from 12-15 years ago in Florida. When I told her I had no recollection of what she was referring to and asked her what amount she is claiming I owe she stated she was referring the matter to the XXXX County Court in FL for fraud charges and hung up. When I called the number back that showed up on caller ID ( XXXX ) the same lady answered the phone ( who had originally contacted me ) and claimed she " assumed we were finished ''. She asked for my current address which I did provide since I figured this was public information anyway. She said her office would be sending me a certified letter and stated I had 30 days to take action or I would be brought up on fraud charges and arrested. <P/>Prior to contacting the Florida AG office, I did some research and found out that Florida as well as many other states as well as the Federal Government ( Consumer Financial Protection Bureau ) had filed class action lawsuits and/or had taken other legal action against XXXX XXXX XXXX / XXXX XXXX ( the company the lady at XXXX claimed to be representing ) dating back to XX/XX/XXXX. My wife and I recently purchased a house in XXXX XXXX, FL in XX/XX/XXXX. Nothing showed up on my credit report for XXXX XXXX / XXXX XXXX and still does not. I am concerned I am getting scammed.

Company response to consumer: Untimely response
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with KEYCORP (MI).
Issue: Account opening, closing, or management

Complaint: I responded to an Internet banner ad for a {$300.00} bonus for opening a new Key Bank Checking Account. So, I did so online and deposited {$50.00}. But I did not receive a welcome packet and they closed my account ( Account XXXX ) after 10 days. When I called up, XXXX different departments said I had a ten year-old XXXX hit in the system. But that 's way past the limit for XXXX to be keeping it on a file ( not that it 's even mine ). I believe that Key Bank did not check with XXXX, but used their own histories that has data in it older than 10 years. I do not know where they got this flag from as I have never had an account with this banking company. And they said they would hold the deposit for 90 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: Equifax is reporting an open collection account/medical bill in the amount of {$57.00}. I disputed the account by asking for validation of the debt from the reporting agency. Instead, I received my dispute results claiming the debt was verified with no proof whatsoever. I then called the collection company to satisfy this debt. The collection agency could NOT find me in their system by name, address, or social. I then called and spoke with a supervisor at Equifax and she had no explanation as to why they falsely claimed to have verified this debt with a collection agency that has no record of me. They are purposely causing harm to my credit and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: i have been working with ocwen loan servicing to avoid foreclosure on my home. after mediation, our hamp modification deal was for me to make XXXX modification trial payments of XXXX due XXXX/XXXX/15, XXXX/XXXX/15 and XXXX, due respectively. when that is satisfied we are to enter into an agreement that includes - according to an email from XXXX of ocwen -1 ) Interest rate of 2.0 % 2 ) Term of XXXX XXXX ) Modified unpaid principal balance of {$400000.00} ) Principle reduction of $ XXXXXXXXi have made those XXXX trial payments. 
however, the paperwork from ocwen outlining the new deal does not say they are offering principal reduction but does include a principal DEFERMENT with a balloon payment at the end of the life of the loan. it also includes a stipulation that i pay roughly {$1200.00} a month into an escrow account from which ocwen will pay municipal property taxes ( ok ) and homeowner 's insurance, although i have sent them a faxed copy and a hard copy of my homeowner 's insurance policy. 
i strongly believe ocwen 's attempt to manipulate the language of our agreement to change the meaning of our agreement is devious and fraudulent. their own representative offered a principal REDUCTION, not a deferment, and their legal representative was present at our modification meeting and signed the agreement that called for principal REDUCTION. 
thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit card () with First Data Corporation (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received an alert on my credit report that a hard inquiry was made to my credit report by a company called " First Data Merchant Services ''. I immediately recognized this to be a fraudulent inquiry and attempted to contact First Data to alert them to the fraudulent activity and close the account if one had been opened. I found a customer service phone number and talked to a representative who told me I needed to speak to the Security Department. I was transferred. The call went to voicemail and I left a message explaining the situation and left my phone number. After receiving no call back for XXXX days I called again. Over the next week I called First Data 24 times trying to speak to someone who could address this potential fraudulent activity. I was always referred to the same " security '' desk who never answered the phone and never returned my call. It has been three weeks and i 'm still yet to be contacted. 
This company issues credit card processing machines to merchants. Someone has potentially opened a fraudulent account using my personal info and this company can not or more likely will not contact me to attempt to resolve. As frustrating as identity theft is, it isnt nearly as frustrating as a company like this who gives them the ability to perpetrate then gives no ability to the victimized consumer to address. Furthermore, I was unable to obtain an e-mail or mailing address to either the security department or legal department to send a letter with my concerns. I asked agents as well as their website. Not one email or mailing address is listed on their website. Please address this criminally negligent company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Consumer Loan (Installment loan) with BlueChip Financial (OR).
Issue: Managing the loan or lease

Complaint: I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/XXXX in the amount of {$800.00}. They have debited {$130.00} twice a month from that date until late XXXX or early XXXX XXXX, at which time, they raised my payments to {$150.00} every other Thursday. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I had n't intended to pay so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Student loan (Private student loan) with AES/PHEAA (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Since XXXX of XXXX, I tried to defer my XXXX XXXX  and the loans of my husband ( I am the co-signer ) with AES. We had a deferral for XXXX months, when we tried to extend it then all the problems started. AES was unclear and lacked consistent feedback for deferral. We consistently called to clarify and tried to provide all the information in a timely fashion. We were refused a reduction and deferment for the loan because the lack of clarity overlapped with the need to make a payment. Because we did not make XXXX payment between the initial XXXX deferment and the submission of an entire XXXX application, we were not even considered for reduction or deferment status. At this point, we could not make the payment. We are making small payments, and are now in default and behind. As a result, both of our accounts have been reported to credit agency because we are late on payments. I am still not working ( mos XXXX ) even though I have been looking and trying to find a job. I have other student loans that have easily deferred my payment. The AES process was very XXXX XXXX, time-consuming, and lacked any consideration for me and my husband time and intent. The AES process is layered with ambiguity, disingenuous promises, blame XXXX XXXX XXXX XXXX and consumers ), and deceit. I have had great credit and paid my bills on time for 30 years. I have more than XXXX files regarding this and they have them. I am not wasting my time to resend what I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: During the month ofXX/XX/XXXX, I submitted a request for a Goodwill adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife XXXX XXXX  on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.

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 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I applied for a Chase Slate Balance Transfer Card in perhaps XXXX XXXX XXXX. I have had a Chase British Airways Visa, at this same address, for  thereabouts decade now. I regularly received pre-approved promotions for Chase Slate balance transfer card. <P/>I chose to apply for this card. I received a letter from Chase stating my application was on hold, they asking me to provide proof of my address. <P/>I sent them a letter via Certified mail including copies of my professional ( XXXX ) license, as well as a copy of my XXXX XXXX XXXX phone bill. I mailed this to Chase at the address I was directed to return it to on XX/XX/XXXX of this year. I have still not heard an answer from Chase. <P/>I have 'A '' credit. Again Chase regularly mails me pre-approved applications for this card. While there are many such 'no interest balance transfer ' devices, I chose Chase because I already have had an account with Chase , st this same address, for many years. <P/>At this point, I have 'a ' incurred additional interest expenses I should not have occurred. 'B ' As Chase has done a hard query on my credit my FICO score went down XXXX points so any other such device I apply for, I may not get as high an approved balance transfer as I had applied for with Chase. <P/>I have photocopies copies of ll correspondence, documents and certified mail receipts to prove every word above. I have been unable to get a response from Chase. I have incurred several hundred dollars in unnecessary interest charges due to this intransigence on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Trouble during payment process

Complaint: I am paying my mortgage to Caliber Home Loans. I am a XXXX 's Hurricane '' XXXX Victim and was offered an special forbearance program by Caliber, where they allowed me not to pay rent for XXXX, XXXX and XXXX XXXX I could pay the escrow, it was fine if not no problem. I paid escrow for 2 months already. 
I am trying to do a refinance in my home. XXXX weeks ago I paid a car loan and a credit card, in order to get my XXXX XXXX little higher and get a better negotiation. 
my score was XXXX and today XXXX is XXXX. 
I checked all my reports with XXXX XXXX XXXX  XXXX XXXX and found out that I have Caliber homes as an adverse account.on all XXXX bureaus. 
talked to them and said that this is something I have to deal with the credit bureaus, not with them??? 
WHEN they offered me that program, I asked if that was going to affect my credit and was told no. 
I been receiving letters from their collection dept and called, just to make sure there was no problem and was told by XXXX people already that do not pay attention to that, because that was sent by a machine??. 
I do not know what else to do, but I feel that they are discriminating against us. 
I already filled a dispute with XXXX credit bureaus XXXX and XXXX XXXX. I probably will also file a complaint with the BBB IN XXXX. and XXXX I hope that you can help us with this situation. 
IAppreciate the attention to this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Received a loan you didn't apply for

Complaint: pay loan requesting payment for loan

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (I do not know) with Asset Recovery Solutions, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This caller has called repeatedly called late at night, sometimes after I have fallen asleep and wakes me up. I know this debt is under XXXX if that much with the fees they keep adding. This is definitely not the original creditor and none that I recognize. I just want these late night calls to stop. I have also received calls early in the morning while still sleeping before XXXX. These calls are very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have recently contacted Campus Partners to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, Campus Partners will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (I do not know) with TRUSTMARK CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A company has called myself, my wife and my mother. All three times they have threatened a pending civil lawsuit against me.They have given me a case number and phone number to Trustmark Corporation. I called Trustmark and asked them to send me the information regarding the debt and pending lawsuit. They have never done so, yet the original company continue to call us threatening a pending civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX   XXXX   XXXX  Has been reporting since   XXXX   an account for the   XXXX   XXXX   XXXX   XXXX  ver a payment that was between my insurance and the billing department of the clinic. The  Clinic was in dispute with the billing company due to over payment and improper  billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with    XXXX    on  XX/XX/XXXX .     I was advised this morning that this is still active and not deleted.

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