milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My income based repayment plan increased my monthly payments by almost double, I could n't make the payments so i called Navient to see what my other options where. Talk to a rep, she let me know that consolidating my loans would be a good option. She let me know that during the review process I would n't need to make the high monthly payments. That they would send me a letter with the terms and that if i decided to go that route i can sign and return the paper work. Well i did receive the letter from Navient regarding the consolidation, I saw the price and had a XXXX XXXX XXXX. All the money i had already repaid would pretty much go down the drain, I did n't know what to do so i decided to let it go and stay with the high payments. I was waiting for the package that included the signature pages to turn down the consolidation, it never arrived. Logged in to pay my loan and it said it was already re-paid!!! <P/>Navient consolidated my loan without me signing off. The letter that had the terms had at the end that if they did n't hear back from me they would take it as me accepting the new terms. XXXX???!!!! This was in XXXX 2016! What if i was on vacation and did n't check e-mails, obviously i wo n't have access to my mail. I felt so taken advantage of. There was nothing anyone could do to help me. All the money i had already paid off was gone. I owed it all again plus more. <P/>I do n't think this process is fair! All i did was go to college to have a better life and it has become the biggest regret of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have filed a complaint before - Case # XXXX. I was hit with a " double whammy '' yesterday, XXXX XXXX/XXXX/16, with NOT 1, BUT, 2 harassing letters from JP Morgan/Chase, demanding that I pay THEM MORE MONEY, AFTER, I HAD SENT THEM A CHECK IN THE AMOUNT OF {$49000.00}. ALONG with a letter stating that this was PAYMENT IN FULL AND I WOULD NOT PAY ANYTHING ELSE!! BUT, JP Morgan/Chase is STILL HARASSING ME FOR A MERE {$35.00}!!!! IF THEY HAD N'T BLOCKED MY ABILITY TO PAY ONLINE, AS THEY HAVE, THEY WOULD HAVE GOTTEN THAT FINAL PAYMENT, THE DAY THE STATEMENT WAS RECEIVED!!!! BUT NO, I HAD TO SEND THE PAYMENT VIAL " SNAIL MAIL ''!!!!!! AREN'T/CA N'T THEY BE SATISFIED WITH THE $ XXXX I SENT THEM TO PAY OFF THIS DEBT?????? THIS IS NOTHING BUT HARASSMENT ON THEIR PART!!!! WHAT NEXT??? THEY ARE GOING TO FORECLOSE ON MY HOUSE FOR A FREAKING {$35.00}??? IT 'S THEIR FAULT THAT THEY BLOCKED MY ABILITY TO PAY ONLINE AND TO SEND THEM EMAILS!!!! I 'VE HAD IT WITH THIS FRADULENT BANKING CORPORATION!!! I TOTALLY REFUSE TO PAY THIS {$35.00}!!! WHAT THEN?? AFTER I PAY THAT AMT. THEY ARE GOING TO COME AFTER ME FOR MORE MONEY FOR PADDED, BOGUS FEES, WHATEVER???? I 'VE HAD IT, AND I 'M GOING TO TAKE A STAND, EVEN IF YOU ARE NOT!!!! I 'M SO XXXX AGAINST THEM, AND, HAVE XXXX & TIRED OF THEIR INTIMADATON, HARASSMENT, AND THREATS, IT IS N'T FUNNY!!!! THIS BANKING ORGANIZATION, JP MORGAN/CHASE, AS I HAVE FOUND OUT, HAS HAD NUMEROUS COMPLAINTS AGAINST THEM AND THEY HAVE BEEN ACCUSED OF FRADULENT BANKING PRACTICES!!! BUT YOUR ORGANIZATION IGNORES/TURNS A BLIND EYE TO THAT??? WHY??? BECAUSE THEY 'RE A HUGE CORPORATION AND YOUR AFRAID OF " TAKING THEM ON ''?????? I have been going through their XXXX for almost 1-1/2 YEARS, AND I 'M TIRED OF IT!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted on XXXX/XXXX/2015 a request for a refund of a late fee that was charged due to NationStar changing my name on the account which cause my authorized automatic debit from my bank account to reject causing my mortgage payment to be late. I have spoken numerous times to the customer service and have spoken to their Customer Relations department asking for a letter confirming refunding the late fee which should be refunded and applied to my principal payment since I paid the late fee after receiving additional interest fee on my statement. On XXXX XXXX, I received a phone call asking that I return their call and I have repeatedly called and this person by the name of XXXX will not return my call after leaving my cell phone number. To date I have not received any correspondence acknowledging this error has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Auto) with V and H Portfolio (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In 2008 I purchased a XXXX-door XXXX XXXX XXXX SUV. The company that gave me financing is located in XXXX, Arizona. As for this collection agency, I dont know them or who they might be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient has for the second time placed fees onto loans in the " Rate Reduction Plan '' for me, which were not originally disclosed in the verbal contract I made in XXXX 2014. The most recent Navient employee ( his number is : XXXX " XXXX '' ) was dubious at best, and made a coerced demand for money when all previous payments have been on time. 

The verbal contract, made using their " rate reduction program '' set my loans at XXXX a month until the end of XXXX. Navient has stated somehow I owe them extra fees on loans that are being automatically paid! 

In addition, Navient has resorted to calling my home multiple times in an abusive manner, which is causing emotional and mental stress to myself and my cosigner. When the phone is picked up, they hang up the phone, not engaging in conversation. It was only when my cosigner was able to catch XXXX of these individuals calling repeatedly from Navient at XXXX, that we got information about fees that should not be attached to this loan. 

Navient has added mystery fees and lied about these loans in the past, so I do not trust them to correct this issue. 

I graduated from XXXX XXXX, in XXXX Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: They changed my due date when I was doubling my payments so that I was paying more interest than I should. They also would n't allow me to pay off my loans as i wanted. I was paying XXXX loans separately and when I paying one down quicker, they combined them and said that I could no longer pay separately. When I challenged them on it, they said that i could only dictate payments by calling after I had made payments. when I told them why they could n't take payments over the phone with my instructions they said that would cost money. When I asked about just sending payments with instructions on my check they said that I would have to write it on a separate piece of paper. My frustrations really mounted when I realized that I was paying more in interest than in principal even though I was paying {$100.00} extra per month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Arbitration

Complaint: Chase Bank is the account holder of my XXXX credit card, A few months ago I bought tickets for my child to attend a festival on XXXX/XXXX/2015 at XXXX XXXX California ( about XXXX miles from home ) we arrived at XXXX and were told that the show time was changed to XXXX since my son and his friend are XXXX I decided to take them back to home. I called the company and was told that there were no refunds and placed a dispute with Chase because I bought the tickets with my credit Card and the service was not performed as offered ( by changing the time ). Chase denied my dispute because the merchant sent them a letter stating that the service was performed as offered in the ticket XXXX but Chase did not verify such information and when I was called I sent them a copy of the ticket were you can verify clearly that the show was scheduled for XXXX doors @ XXXX. I 'm calling Chase dispute phone number and no answer has being provided, I leaved about XXXX messages and no calls or response has being received attached is a copy of the letter received by Chase and a copy of the original ticket I bought

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have sent a address affidavit to have all incorrect addresses removed from my file. My name is spelled wrong on my   XXXX   report as well. Please see the attached documents and correct the error as requested thank you for your time and concern.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with AQUA FINANCE, INC. (WV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Aqua finance ( A pplication #  XXXX  ) pulled my credit report they claimed I applied for credit with one of their clients which I did not. They placed an illegal unauthorized credit inquiry on my report. I have done my research and they have done this in violation of the fair credit reporting act. I asked for proof I authorized this inquiry a signed application or something they could n't provide it because I never applied. But they still sent me a letter refusing to remove the illegal inquiry so I am now researching my other options. I plan to take this as far as I have to I 'm not going to just let a business pull my credit because they want to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Despite sending 3 letters to Experian credit reporting agency along with multiple legal documentation discrediting the incorrect reporting on my credit report, they did nothing! In fact, even the statement I asked them to place to place on the credit report was truncated to XXXX sentence which was not even written by me. I tried contacting both Experian and XXXX without success over the past 6 months. The Experian number only allows one to order reports and there is no option to speak to a representative. The XXXX number does not even work. A credit reporting agency should know that an account can not be charged off more than once and yet despite supplying them with legal documentation they continue to report XXXX charge offs. There was no loan with XXXX XXXX that was charged off in XXXX 2014 and XXXX 2014! A charge off can only happen once to one loan/account. Moreover, when I requested a description of how Experian processed the dispute, I received another credit report without any description or justification for the incorrect reporting. Not only did Experian disregarded my requests to include a statement in the credit report, they made no effort to correct the erroneous and damaging information they continue to disseminate while the other credit reporting agencies are reporting the account correctly ( please see attached ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is regarding the Equifax data breach, they have failed to protect sensitive information and exposed every aspect of mine and my families life. This is disgusting, they should be shut down, why are they still allowed to operate?

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I took out XXXX private student loans in XX/XX/XXXX and XX/XX/XXXX totaling {$30000.00}. Although I never obtained a position in the field that I was studying for, I did have gainful employment. Unfortunately, due to job loss, I had to file for Chapter XXXX bankruptcy. I am now working in a successful position ( still outside of the field in which I studied for ) and my bankruptcy has been discharged, however my student loan has more than doubled. The interest rates on both loans are 11 % and 13 %. This is going to put me back in a very difficult financial position and hinder my ability to pay for my daughter 's college tuition once she graduates from XXXX next year, perpetuating the vicious cycle of student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My XXXX debt is {$170000.00} and I am making monthly payments of {$1500.00} a month. I can not afford to live on my own ( living with parents at the age of XXXX ), I do n't know that this will ever be possible. {$60000.00} of that money at a 12 % interest, making it almost impossible to try decrease the principal. I make $ XXXX /year. I graduated from Univ. XXXX XX/XX/XXXX. I have tried to refinance my loans at lower interest rates but I keep on being told that I have too much debt to refinance - I have made all of my payments on time - I did go into forbearance for 9 months XX/XX/XXXX. Any help on what steps I should take next would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX of 2017, Equifax revealed that they had allowed my personal data and that of 143,000,000 other American credit holders to be compromised through inadequate security measures and pure negligence. Because of their gross incompetence, my family, friends, and myself have all been prompted to take measures to lock down our credit reports. That this breach was easily preventable through the simplest security measures is almost more damning than the fact that the data itself, essentially the digital identities of virtually every adult credit-holding citizen of the US, was able to be extracted in a usable state! This has the potential to negatively impact so many people on a personal level as well as to open the door to malicious actors who wish harm to our nation and its people. Few penalties could be too severe in this circumstance. Those in authority at Equifax should be held criminally liable. There should also be a review in Congress to publicly identify those legislators most closely tied to and benefiting from the Credit Reporting industry, as this level of blatant disregard for the well-being of the average citizen should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: HSBC Mortgage has forced me into forclosure because they refused to do a modification on my loan as i went into a fixed income amount and was unable to afford the set Mortgage payment ... I have been battling to save my house court after court. The bank bought the house back in foreclosure, and being that im in still battling in court, I have paid over XXXX in escrow account, i 've been trying to buy back my house and I have given all the information the bank has requested including bank statements, and it was all a hoax and their just playing around with me, and now their saying we refuse to sell to you! I am almost XXXX years old and i have been living in this house for 25 years, I plan to die there! Please, please I am begging someone to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Bank account or service (Checking account) with KEYCORP (MA).
Issue: Account opening, closing, or management

Complaint: This account had a zero balance up until I requested that it be closed there should not be a balance and no monies should be owed on this closed account

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: I am filing this complaint due to Experian failing to remove a paid and closed account from my credit report. I paid an amount of XXXX to ( XXXX XXXX ) XXXX XXXX XXXX XXXX in XXXX of 2016 and was I was advised that the account would be removed from my credit report. I have disputed this info numerous amounts of time advising Experian to remove the account but they are refusing to remove the account. XXXX and XXXX removed the account immediately after it was paid, I am demanding that Experian do the same and remove this account from my credit 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 05-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I bought an online subscription to XXXX for approximately {$120.00} dollars. I had signed up with my personal email account which I had a non-subscription account with the same website for previously. In XXXX 's system my subscription was then associated with the former/old username not my new username/account. 

When I contacted XXXX Customer Support they were to contact me back in 48 hours and did not. I then called their Customer Service and was told I would not be issued a refund and that this problem was " impossible. '' I then indicated that I would dispute the transaction with my credit card company, American Express. 

I opened the credit dispute with American Express eventually providing them with the Customer Support attempts at contact I had with XXXX and a Screen shot of my account from XXXX. This screen shot showed that I could not check my messages as my paid subscription was not recognized and for which American Express had record of withdrawal from my account for the transaction. I then called several separate divisions of American Express Customer Service and told them that was all the information that I had and that they could either be diligent & vigilant in attending to this matter and getting me my money that I was defrauded back or not. I was also told that I could not further escalate my concerns when multiple managers in their Customer Service divisions lied and told me they could not put me in contact with the corporate office. I then found their corporate office number online and called the following day. 

I received a call back and explained the issue and again stipulated that American Express should follow through on my legitimate transaction dispute and resolve the matter in a timely fashion. I received a call back a few days subsequent to that call from another person in their corporate office. I missed this call due to work and when I called back I left a voicemail explaining my reason for calling and requesting callback. Yesterday marked a full calendar week and several business days between their last call back and my last request for a call back. I left a voicemail largely stipulating the same information as my XXXX voicemail and this has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Bank of America has allowed fraud to continue on my savings and checking accounts. They will not return the money to us. Even after this, they cashed a {$9000.00} check on XX/XX/XXXX to someone posing as my husband. They claim that the {$9000.00} was given by a teller to the person in cash because we had enough to cover the check. However, if we had enough then why did this put us over {$7000.00} in a negative balance. 

The bank manager admitted that there are at leave 7 other people who had money stolen from their accounts. They have done nothing to stop this. Clearly they do not care and are an irresponsible bank. 

These are the previous transactions for which they refuse to reimburse us : On XX/XX/XXXX {$1000.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$1500.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$700.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$600.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$750.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$500.00} was withdrawn from the ATM that was not me or my husband. 

If you bank with Bank of America, I suggest you remove your funds as quickly as possible before they give it away.

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