milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am contacting the CFPB with a shared concern/complaint against loan servicer- Navient . My student loans were transferred from XXXX XXXX to Navient. I did not have a choice or option to do so. XXXX XXXX made the choice stating that Navient was taking over because XXXX XXXX had too many loans to handle. I have been paying off my student loans to Navient ever since. I just about 'fainted ' this past week when I read the CFPB filed a lawsuit regarding Student Loan Repayments against Navient. Every news article I read as well as what I read online was an exact match to the horrific experience and relations I have had with Navient. I have cried, screamed and complained to different customer service people as well as spoken to numerous managers about HOW HIGH MY PAYMENTS WERE. I tried over and over and over to get my payments reduced according to my income. I was lied to over and over about what I did not qualify for in repayment for my student loan. I made so many phone calls to Navient stating that my sister who had gone to grad school was paying on her student loan ( s ) and I was forced to make monthly repayments that were twice as much as she repaid. It was so baffling to me because my income was so much less than my sister yet I was paying so much more. I have just me and my income to pay my student loan. I was shaken and dumbfounded, completely at a loss for words at what Navient was doing to me. I continued to ask about lowering my monthly payments, about the RePaye program set in-place, and options I had. But no, there were not any options and I had to continue to pay at the rate that I was told to. I knew they were lying to me. I asked so many times for a plan that reduced my monthly rate on my student loan, esp, when I had begun to ask my employer for an advance on my paycheck. So yes, I have received bad information, struggled, been lied to, and been made to feel very helpless in the repayment of my student loan after XXXX XXXX transferred my loans to Navient. I agree with the lawsuit and others who have filed a lawsuit against Navient. Navient lied to and defrauded persons who have had to pay back student loans to them. I have been very angry with how I 've been treated by Navient and customer service persons who purposely did not allow me plans or payments that were income sensitive to me. When I changed to a different paperless online payment due to a conflicting bank issue I had problems with Navient processing the new set up and not wanting to deal with fee issues that came with it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I disputed the below stated inquries with TransUnion multiple times and they will not remove them from my credit report. 

Unauthorized Inquiries 1. XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 2. XXXX/XXXX XXXX XXXX  XXXX- XX/XX/XXXX 3. XXXX XXXX XXXX- XX/XX/XXXX 4. XXXX/XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX XXXX XXXX- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XXXX- XX/XX/XXXX 10. XXXX/XXXX- XX/XX/XXXX 11. XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 12. XXXX XXXX- XX/XX/XXXX 13. XXXX/XXXX- XX/XX/XXXX 14.XXXX/XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 15. XXXX XXXX/XXXX- XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/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 07/15/2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have already written to this company about a year ago asking that they cease from contacting me about an alleged debt for medical that took place in 1998. I was only XXXX and not responsible for my own health care at the time therefore this ca n't belong to me. Also, I do n't understand why they are attempting to collect from me again when I sent in written request for proof and verification that this account belonged to me. I did n't receive anything and now I am receiving another letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on XX/XX/XXXX I contacted all 3 credit bureaus to complain of fraud against my credit because 2 bills showed up on my credit from XX/XX/XXXX that do not belong to me. There is no contact on file signed by me and I requested this be investigated and removed from my credit permanently and I haven't heard anything back from any of these companies. Please remove these items from my credit because its keeping me from getting new credit and these accounts don't even belong to me. There shouldn't be ANY negative items on my credit report as I have paid off all bills I owe on time.

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 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Consumer filed a complaint with CFPB about Transunion 's ongoing reporting from XXXX. Since there is an investigation and that Transunion stated to CFPB that it would take 60 days to investigate, this investigation is hindering my access to my credit report. Just Monday, XXXX XXXX, 2016, I tried disputing an illegal entry from another creditor, and could not get assistance. I was transferred five times because other reps did not have access to my file. I ended up leaving a message on a voice mail with SS #, phone number, and name. Someone did call back and kept asking " did you call for XXXX, '' giggling, and kept mispronouncing the creditor I was disputing. The phone rep stated that she had removed the illegal entry, but kept inquiring about XXXX. Consumer discovered that the Transunion Priority Desk rep had given me an incorrect balance that was reporting from the creditor, so I called back and left another voice mail message with SS # and phone number because I was not sure the illegal item was deleted. Consumer is trying to close on a mortgage loan, and this weird stuff keeps popping up on my Transunion credit report. 
That same day, the mortgage lender, e-mailed me that XXXX ( that had been reporting paying as agreed, though with a bogus balance ) was reporting a charge off. Another XXXX illegal reporting tactic that has been going on for a year. For two days, consumer has not been able to reach this Transunion Priority Desk to dispute this item. Consumer, also, received XXXX credit reports from Transunion, today, dated XXXX XXXX, 2016, that I did not order.

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 11/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from XXXX which belongs to a XXXX XXXX XXXX. They left no message. When I checked my credit report this appears to be an old American Eagle credit card through GE Bank? I believe that this paid in full through a third party years ago as I do not have an account with them now. I have not received any written notice of this attempt to collect this debt and I will request that they Cease and Desist any further collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had my loans consolidated in XX/XX/XXXXwith XXXX when my son graduated college. I also enrolled in a 10 year Debt Forgiveness program because I was XXXX. After 2 years, I was nearing retirement age, but figured I had another 8 years to work because of the loan. At that time I owed roughly XXXX. While talking to a couple of XXXX representatives at two different times, they assured me that my payment would reflect my retirement benefits income which was significant less than what I was making. I was excited because that would afford me the opportunity to retire when I wanted to. Right before I retired, I called them one more time to make sure this was a possibility and I was told it was by another representative, so I pulled the trigger and retired. I sent in the appropriate paperwork to XXXX for an IRB. @ weeks later I received the amount I was supposed to pay each month, and it was significantly higher than what I had been paying. I was sick XXXX. I contacted them and they said I was not eligible for such a program because I had Parent Plus Loans. I retired XX/XX/XXXX and have not been able to make the payment but only a hand full of times. Navient talked me into a forbearance, not realizing and them not telling me that the interest would accrue, my loan is now XXXX. I have been misled so many time by these folks that there is no way I can ever pay off his loan and I struggle every month and it has me XXXX to the max. I pay my debts and always have, but I can not afford to pay this XXXX because of several XXXX/Navient misrepresentations. I tried to work with these folks many times on the phone, but they always mislead me and send me paperwork that actually raises my debt monthly payment. Can you please help me, I want to be able to enjoy my retirement for a change. I spent 33 years as a XXXX. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been paying my loan agreement with Navient/XXXX on time. The money is an automatic payment. I have recently started to recive phone cals from them offering a settlement offer, in which i would have to pay a large sum XXXX XXXX XXXX in XXXX payments. I have told tgem that i can not do that and would stay with my current payment. I was told by the rep that i could take out a loan from my XXXX, ira or a personal loan. I thought she was overstepping her boundaries. After i told her no i would not be doing so she then responded " you rater be responsible for XXXX than XXXX? Again thats none of her concern especially if im making my payments. I received another call from the same rep a week later offerung the same settlement. I asked her why was i still receiving these calls and she looked into my accout and said that it was because i show that i have an available credit card amount of XXXX which i could use as a down payment. I dont think that its fair of them to harrass me for a down payment for a settlement that i can not afford when i am making payments to them and is in good standing. My credit will not be used to give them more money, that is my emergency card and is not used for that. They are a money hungry company

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: 1-On XX/XX/XXXX, I received a debt collection claim from Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX requesting the payment of {$1100.00} in behalf of account number ending in XXXX. 

2-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

3-Although Dynamic was supposed to reply, I never receive a reply to my letter of XXXX/XXXX/2013. 

4-On XX/XX/XXXX Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX sent me a new letter requesting me to pay {$670.00} in behalf of the same account ending in XXXX. 

5-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

6-Although Dynamic is supposed to reply, I have not received a reply to my letter of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Forced Escrow was placed on my account, on XX/XX/XXXX due to delinquent property taxes not affiliated with my Property Parcel ID. I am requested to terminate all Escrow accounts since my yearly taxes of only XXXX, are paid out of pocket and on time for my XXXX XXXX property and the only property associated with the loan. Advanced funds were distributed to County Tax Office without authorization and taxes for other property owners were disbursed to pay all XXXX properties, which of XXXX are not listed on loan since the properties were divided in XX/XX/XXXX. I have repeatedly faxed all county documentation Ditech requested, emailed, called and spoken to different depts., notices mail to be stating the issue is being investigated within 30 days and nothing done, now my escrow account is over {$6000.00}, causing my monthly mortgage payment to be outrages and I demanded they correct this asap nothing to pay for XXXX other properties that do not belong to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates keeps calling my cell phone from number XXXX in XXXX Mississippi about a debt that I have absolutely no information about, nor can they describe it to my satisfaction. 

They have called every day this week. 

I monitor my credit reports daily on XXXX bureaus -- so I have no clue at this item and what it might be, but I want the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: yes I contacted portifolio recovery by phone and fax requested proof that they validate this false dept with XXXX XXXX they stated they would they never did

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Duplicate mortgage payments were sent into Nationstar this month, rcvd XX/XX/XXXX and XX/XX/XXXX. 
Called on XX/XX/XXXX while second transfer was showing as still processing, Nationstar advised unable to stop/reject, would flag account & once received would be returned with 1-2 days ( next Monday ). No refund received, called back & was advised I needed to submit bank statement to rep 's e-mail showing the XXXX debits even though they could see the credits on their end & they would send out via XXXX. No refund rcvd, called them, was told sent on XX/XX/XXXX but no tracking #, told them XXXX has tracking # & I needed before business close, placed on hold for XXXX, I hung-up need to get back to work. They call and left msg they needed statement faced to them before they could send out. No one there can get their story straight! Credit vs check, e-mail vs fax, sent / not sent. By the time I get my refund the next payment wil be due & all my other bills will be delinquent! Either a bunch of idiots or liars, take your pick!

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX I checked my credit report on XXXX XXXX and had a total of XXXX hard credit inquires removed. In checking my report on XXXX all XXXX inquiries were placed back onto my account with out sending me a reinsertion letter required by the car section XXXX. I have been calling transition ever since and have received no help, my request to be transferred to an American representative or the fraud department, many of the representatives were very rude and condescending. Some even told me they know what happened and basically told me I should simply file a complaint because they will not fix it

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 08/24/2016 about Credit card () with DISCOVER BANK (WA).
Issue: Privacy

Complaint: On XXXX XXXX, 2016 my landlord informed me that Discovercard had contacted him about a payment I owed. This was in complete violation of my privacy as I had never given his name or phone number as a contact for me or my account. In reviewing Discovercard 's stipulations for contact, he in no way whatsoever fit the criteria listed within. Again, Complete Violation of my PRIVACY. Read : Illegal. I called the toll-free Discover card # and the actually nice employee to whom I spoke, XXXX, reported it was general practice for their " skip tracers '' to search any other phone numbers at listed properties and contact them. For the record : I unknowingly was {$27.00} shy my last payment and all current info on my Discovercard account listed my bill of {$120.00} as ( Leading me to believe I was up-to-date ) due on XXXX/XXXX/16. It was only upon calling the automated number that I learned that I owed {$27.00} immediately. I paid this amount, immediately prior to speaking to XXXX. 
Fast forward to XXXX : I paid {$99.00} due on the due date of XXXX which was On Time. On XXXX I began noticing daily calls from a toll free number, so I called it back on XXXX/XXXX/16 and discovered that it was : Discovercard. I spoke with a gentleman who reported that they just like to check in and try to pre-schedule payments prior to due dates ( my Next Due Date is XXXX/XXXX/16 a full 20 days after they began their daily harassing phone calls ) I told him that their persistent calls equate to harassment to which he vehemently denied it as harassment. I requested that he document my request for the contact to cease. He repeatedly continued to offer several options/benefits for arranging payment within the same breath. With each offer, of which there were several, I told him again, and again that I was not interested and requested documentation of this as harassment. I will further document future calls and add them to this complaint as necessary. 
Per XXXX Dictionary : Simple Definition of harass : to annoy or bother ( someone ) in a constant or repeated way What Discovercard is doing equates to harassment whether they are willing to admit to it or not. I am requesting that it cease. I would also like some sort of fine imposed upon them for violating my privacy by contacting my landlord on XXXX/XXXX/16 as their actions were completely illegal based upon their own outlined privacy practices. 


Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a random phone call stating very random information. Upon calling back was threatened and yelled at to pay and told if I was lucky I would be offered a settlement but then was yelled at and hung up on by the person on the phone claiming to be XXXX  XXXX. Person never identified which company they work for. I am worried this is a scam and that my identity may have been compromised.

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 12/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Overlimit fee

Complaint: accepted 0 % balance Xfr promo APR for 18mo w/Capital One. wrote check for entire balance, yet Capital One approved it. Per policy, check and fee should not exceed available credit ; which means Capital one should have rejected payment and contacted me ; at which point I would have written for a value they determined. As a result, they reported over the limit status to credit bureaus and credit scores dropped over 30 points. Although I erred, this is predatory. If I attempt to charge over my credit limit with my card, it is immediately rejected as a safe keep. How is it that this check had to go through processing, possible Credit Analysis and funding and they completely omit their own policy. This transfer should have not been approved. I have paid my balances down each month with no transactions, only interest applied. I take my credit very seriously and was aiming to be in the 700s soon. I have never opted in to allowing capital one or any financial institution to go over my credit limit. I have contacted them to correct this, they of course will not admit they erred. Please assist in getting my these negative items removed from my bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (OH).
Issue: Money was not available when promised

Complaint: I am trying to use my credit union 's XXXX solution to send money real-time ( not ACH ) to friends and family. But, all the big banks refuse to accept the transaction real-time. It 's not because their network does n't participate. It 's because they are blocking the real-time ability. My family banks at XXXX, most of my friends have accounts at Chase and they tell me that their bank wo n't allow it because they want other financial institutions to buy their specific XXXX and not use others. I think this is collusion. The top couple large banks are creating a solution that they plan to sell to other smaller banks and credit unions. When you hold such a large percentage of the market, it 's too easy to create these situations that make it difficult for the smaller institutions to perform.

Company response to consumer: Closed with explanation