milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: This has been an ongoing issue ever since Navient took over my student loans in XX/XX/XXXX. I have been prior to that date religiously paying back my loans since graduation from XXXX University and began paying back my loans ( which is all in my records ). Without notice at sale of students loans from XXXX XXXX to Navient my repayment amount skyrocketed without notice from {$230.00} a month to over {$1000.00} dollars a month. Absolutely ridiculous. On top of that, they without my permission and after I revoke access to my checking account debited my account the amount of over {$650.00} dollars that I had my bank provide back to me. I had to shut my them out of my bank account to prevent them from stealing from me. I have reported them to the attorney generals office of NC and the BBB all of which has been unsuccessful. I have requested a lower payment plan, reduced payment plan after my wife was laid off at her job and just could not afford over {$1000.00} dollars a month in student loan repayment. Nor could we afford XXXX, XXXX or XXXX dollars in repayment. I could afford XXXX and after our hardship XXXX dollars and a needed forbearance which I could never be approved for based on my 'income ' which all the household bills I had were never taken into account. This 'business ' is a predatory bunch of thieves backed by the government and they need to be stopped. The fact that I have been paying on my loans since the year XX/XX/XXXX and have not cracked a dent in it is a travesty of justice. I have more than paid back what I have borrowed to attend my 4 years of college. They additionally added disbursements to my student loan data while i was n't even attending college in the year XX/XX/XXXX and XX/XX/XXXX. i graduated in XX/XX/XXXX. in the amount of nearly 20K.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Wells Fargo Bank charged me XXXX XXXX times in a month the reason cause I made over XXXX transactions and the bank rep. said its the the law. This was not a below balance amount.

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 01-12-2017 about Debt collection (Payday loan) with D2 Management LLC (WA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to XXXX. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted XXXX and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to XXXX via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from D2 Management claiming to represent XXXX to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to XXXX

Company response to consumer: Closed
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with Dyck-O'Neal, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: in 2012 I entered into a " settlement note '' whereby I would pay {$100.00} a month for 100 months in exchange they would release me from my personal liability for a mortgage that was in foreclosure. We signed all the papers and I began making my payments. After a few months I began to inquire about the release document and was told that it was forthcoming. after that I was told I would have to get it from XXXX. Than I was told to get it from fannie mae all along I continued to make my payments timely. After a few years I was informed that the lender pursuing the foreclosure was going to pursue a judgment against me personally as part of the foreclosure. My lawyer explained that I had been released already and they said not to there knowledge. I than called again and after alomost four years was told that there was a mistake and they were refunding to me my payments. I explained that they had to leave up to their side of the bargain and they said no. It was n't their problem.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had called a number back on my phone, thinking it was my health insurance company, but it was actually Phoenix Financial Services LLC, which they did not tell me until a couple minutes into talking. The man on the phone on XXXX/XXXX/XXXX said that I had a medical debt of {$560.00} that they were trying to collect on from XXXX Kansas XXXX XXXX XXXX. He told me that the XXXX was willing to take {$400.00} over 4 months. I know now that it had been on my credit report for so long that it 's closed on the report and has been for a while. I asked him at the time what would happen if I just did n't pay such an old bill now because I really ca n't afford another payment to someone now. He said that my XXXX XXXX would just keep going down XXXX it 's been going up, actually XXXX, which I take to be him threatening to XXXX up my XXXX XXXX. I told him that I would have to review my finances and get in contact with them in a week. In this time I received XXXX call on the XXXX, XXXX, XXXX ( called them back for initial conversation, at this point I let them know I will get back to them in a week ). I sent them an email letting them know that either the amount would have to be lower, or it needs to be paid over longer than 4 months. I received a call on the XXXX in reply that they would be willing to extend it just XXXX month and have me pay {$25.00}, {$25.00}, {$100.00}, {$120.00}, {$120.00} over that time. I did agree to this, but it 's weird, because this time the same man told me this was up to his boss, when earlier it was the hospital that supposedly said they would take {$400.00}. It 's deceptive in my opinion, because the hospital would n't even return a call about them, it 's obviously not in their hands anymore, so I do n't know why he initially externalized who the responsible party was. I agreed to send the first {$25.00} on XXXX ( today, which I have not sent as of writing this ). Today at XXXX pm I received a call with " XXXX XXXX ID. '' I assume this is probably the company trying to harass me without me having a way to call the number back. 

I do n't know if this is even a debt I 'm still required to pay because the last time I even heard anything it was from a different debt collection company years ago. If the account is closed, how can they threaten to destroy my credit? I took that hit to my score once already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have two certificates of deposit with XXXX XXXX I have no credit cards, debit cards, not even an ATM card. On XX/XX/2018, I received a text message on my mobile phone, coming from address XXXX. 

" FreeMsg : XXXX XXXX. Your TJX Rewards Platinum Mastercard acct is past due. This is to collect a debt, info will be used for that purpose. Call XXXX or go to tjxrewards.com. To Opt out reply STOP. '' I checked the phone number shown and the website and these both belong to Synchrony. The card in question is a TJMaxx-branded card of Synchrony. 
Since there is no debt and the message is a fraud even though it is from a real bank, I blocked the number on my phone. Since then I have received 18 calls to my mobile from either the same Synchrony number shown above or from a blocked number, and an additional eight calls from XXXX. A XXXX search revealed that this is also a Synchrony number. I also learned that Synchrony, and its predecessor GE Financial, have been making harassing and phony calls from these numbers for years. 

Of the 26 calls I received, seven left the following identical message : " This is a message from  XXXX XXXX regarding TJX Rewards Platinum Mastercard. Please return our call to XXXX. For faster service visit our website at www.tjxrewards.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' I have tried to block the incoming number on my phone but the calls keep coming. The most recent was last night. As with the text, the website and telephone number shown belong to Synchrony. Additionally, the mailing address shown is a Synchrony address, minus the word " XXXX. '' Note 1. On XX/XX/XXXX I sent a letter to the President of Synchrony Financial, parent company of XXXX XXXX. 
Note 2. On a following screen I checked that the credit card has the same address as my home address ; I did this only because your computer would not let me proceed otherwise. I want to emphasize that there is no credit card, no account of any kind with Synchrony or TJMaxx to which I could possibly owe a debt. 
Note 3. The two certificates of deposit are held jointly with my wife. She has not received any communication from Synchrony so I'm not providing any identifying information for her.

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 11/19/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Making/receiving payments, sending money

Complaint: Citibank states that I requested a permanent stop payment on XXXX. In 2013, I requested a one time stop payment for XXXX because I did n't want my account to overdraft. Because of this, my account with XXXX has been closed due to no payments. Every single time since 2013 that I have called Citibank, they did not disclose this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XXXX XXXX 2017 I called Equifax to have the address on my personal credit report changed since the address that they have on file as my current address is outdated ( I have n't lived there in 2 years ) When I spoke with someone on the phone, they told me I had to upload either a deed, mortgage, lease or current utility bill in order to change it which I did over the phone with the agent. He told me that he received it and verified me over the phone for my protection. He told me that he would be able to change the address to the correct address right away but it would not show up for another 48 hours. On XXXX XXXX I checked my Equifax report AGAIN and it was still showing the old address so I called AGAIN. I was bounced to several departments to end with the " special unit '' department that had authority to change the address. After being on hold for 40 minutes while " she updated my address '' she then hung up on me. I am tired of being bounced around to do a simple address change, I have given them all of the verifying documents that they need and they even confirmed that they received a copy of my recent gas bill with the right address and verified me over the phone several times. I feel like my rights as a consumer are being violated according to the Fair Credit Reporting Act which states that credit bureaus may only report information that is ACCURATE and VERIFIABLE. My OLD address reporting as my CURRENT address is neither one of the above and even with VERIFIABLE proof of my identity and the new address they refuse to change it. This is frustrating and I want it fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have both private and federal loans through Navient that are set up to automatically debit every month from my bank. I try to make extra, separate payments. I am unable to make a direct payment to one loan online ( trying to decrease the principle ). Only option is to mail in payment, with a note telling them how to apply the payment. It does n't matter if my note is clear and concise, they never apply the payment to the one loan requested. The money is spread over multiple loans, not only to the loan with the highest interest I am trying to pay down. They ignore that I say to not advance the automatic debit - if I do n't catch it, i could have a loan with potentially months of time passing without payments being made automatically. This happened with XXXX and navient.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have experian remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from experian thank you

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 05/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: Live in Georgia, Began our loan with santander in  XXXX . Used   XXXX   XXXX   XXXX   XXXX  . Vehicle I'd XXXX . Beginning balance  XXXX  We began payments at   XXXX   a month, but the interest rate was 24.99 %, then it was raised to  XXXX . We have paid over 50 payments which is over 18,000.00. We were late at times, but santander says our balance is  XXXX . Account number is  XXXX . They tell us that because of being late causes our payments to go to interest, not balance. How can a car loan cause the finance rate for us to pay  XXXX  for a  XXXX  loan.
We read in other states that santander was punished for interest rate loans. Texas is being investigated also. We have never received any payment receipts or balance records from this company.
My email is   XXXX    Phone  XXXX  This is my complaint   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I previously contacted the CFPB and informed them that Portfolio Recovery was harassing me by repeatedly placing telephone calls. 

I filed a complaint, and Portfolio informed the CFPB that they would stop. The case # is XXXX. Portfolio has called me at least SIX TIMES, AFTER they promised the CFPB that they would stop. I have the Caller ID information to substantiate this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I got the papers that cfpb sent me on what chase said where the did nothing wrong well got news for them yes they did. the women that I talked to about the modification said that I would have to stop paying them if I wanted the modification if they wont to do the right thing they will see that we never missed a payment. fore a lot of years and i would n't have missed any if it were not chase tailing me to stop paying them to get the mod. and if they would check then they will see that it has been recorded because every time that I talked with chase they would say that this is being recorded for training purpose if it was not done away with it they will find it. I do n't thank that I would pay all that money and then let someone have it don.t thank so. I was cheated out of it just because no one would help I will send you some papers XXXX I did not need the mod and I wish that I never heard of it then we would have XXXX fine the house would have XXXX paid for by now. but thanks to chase they cost us a lot over this my health money and I wont my house back that you stole from us and you can pay us

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Wrong amount charged or received

Complaint: We transferred money from our XXXX to our US bank account. Most banks operated with an exchange rate of XXXX the day the transfer was made ( XX/XX/2015 ), the highest exchange rate we have seen that day was XXXX. Bank of America on the other hand gave us an exchange rate of XXXX. This made the transfer about 260 dollars less than expected. After complaining to Bank of America they gave us 130 dollars back, an exchange rate of XXXX. We still mean this is far to high considering the exchange rate XXXX XXXX. 2015. They also informed us that their exchange rate is higher the higher the transferred amount is, and we want to complaint about this arbitrary way of setting the rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2016 about Bank account or service (Checking account) with KEYCORP (CO).
Issue: Account opening, closing, or management

Complaint: Our business has between 1-3 business checking and savings accounts ( I believe ) with Key Bank. The member who had sole access to the accounts died XX/XX/2016. XX/XX/2016, the business voted on a resolution to allow me access to the accounts. XX/XX/XXXX, I met with XXXX XXXX at the XXXX XXXX branch of Key Bank with all the documents my estate administration attorney advised. Almost two months later, there is always an excuse : unexpected training, illness, the only person who can help is in XXXX, etc. I even have XXXX of the account numbers, and need access. The business has come to a halt while I continue to wait for Key to make progress.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX    CFPB : RESPA  Section 6 -  Please have JPMChase refund to me its erroneou s  XX/XX/XXXX   {$5.00} Late Charge on my ARM Loan and notify Credit Bureaus of Error.     Truly,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , IL  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: TD Bank levied my business bank account domiciled in the State XXXX, due to a XXXX subpoena and personal judgment received that directed them to restrict XXXX domiciled accounts only. When I told the bank that they levied my account in error, they responded that their customer agreement allows them to levy accounts outside the scope of the XXXX subpoena, yet could not show me any agreement language in support of that claim. They have frozen almost {$7000.00} in funds without any authority under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX financial checked my credit without my permission on several occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have informed Trans Union many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: When I call I advise the representative that I give my mother permission to talk on my behalf they told me that I can not do that and then the payment plan that they want to put me on I can not afford that.

Company response to consumer: Closed with explanation