milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated with my XXXX degree in 2009. I began to repay my student loan. A company called Navient, XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX, called me and stated that they can lower my monthly payments and also put me in the Loan Forgiveness since I am a XXXX. After doing this the Federal Loan Servicing began to send me letters that I was late on my payments. I pay everyone on the XXXX of every month since that is when I get pay. They misrepresented themselves to me by telling me that they where going to help me. I paid them a fee and I still did not get what they promised me. I would like to get my money back. I have to pay late fees because they used to send the payment to XXXX late. Also my school is under review and is closed. I tried to enroll with XXXX and they told me that my XXXX degree was no good for them. Please advise and, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

Thanks

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 12/18/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I have been dealing with numerous issues with this company, and since my last complaint when the messed up on my escrow and accidently cut me an overage check ..the agreement with XXXX a supervisor whom I spoke with on XXXX XXXX 2015, Phh had cut me an overage check for my escrow which should not have been dispersed to me because their system thought my home insurance was paid for XXXX 2015 but it had not been that 's why the check was cut to me, which caused my to have an underage in my escrow..When I spoke with XXXX we agreed to take the escrow overage and break it into 24months, so my house payment would be XXXX and some change so I rounded up to XXXX. On XXXX XXXX my bank account was charged XXXX causing my bank account to go negative XXXX, and that caused a XXXX over draft fee, so PHH charged me an amount we did not agree upon, and caused my banking account to go negative total of XXXX. I have had nothing but problems with this company, I never receive my supervisor call backs when I request them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Closing/Cancelling account

Complaint: I purchased a skin cream over the telephone-I received the product then the invoice on my XXXX Master Card-the next month I received the product again along with the bill-I called the XXXX and told them that I never ordered a XXXX order-I told them to not charge my CC any more-they continued to every month after they said they would not-I called the credit card co and explained that this was not an authorized charge-they said they would look in to it but could not prevent further charges-I said if that is the case cancel my card-they said they would but allowed more charges 3 months later-I even paid 1 month charges of product I did not receive just to get rid of the credit card-now they keep sending me statements with late fees and interest and are affecting my credit rating-can something be done about this.

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 05/27/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Nelnet.com makes it very difficult to find the remaining term of your student loans. Logically, this information should be made available as part of the " Loan Details '' page or on the monthly account statement, but the only place you can find this information is to go to " Documents '' and " Payment Schedule ''. It 's almost like they do n't want borrowers to realize how long is left on their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX XXXX I asked them to send me a letter saying they purchased the debt and how much it was purchased for. She started yelling at me and talking over me without listening and I told her to stop contacting me and she kept yelling at me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: RE : Jefferson Capital Systems Acnt # XXXX Jefferson Capital is currently attempting to collect a disputed {$1100.00} debt it says it purchased from XXXX. As part of its attempt to collect this amount from me, it is reporting it to several consumer credit reporting agencies, including XXXX The amount they are attempting to collect on on is inaccurate, as I made a final payment to XXXX prior to the account supposedly going into collections. I had also disputed a portion of the bill with XXXX itself several years ago. I had service with XXXX for less than a month, and discontinued it because there was virtually no coverage in my house and the service was about useless to me. I was supposed to receive a " courtesy credit '' from XXXX due to this. 

I have disputed this debt to Jefferson Capital multiple times ( XXXX/XXXX/17 and XXXX/XXXX/17 ), in writing, to the address showing for them on my credit report, stating that the the information they are reporting is not accurate. Jefferson Capital does not appear to be taking any steps to investigate the disputes and has never even bothered to respond. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for Jefferson Capital to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: PORTOFILIO RECOVERY ASSOCIATES IS REPORTING DEBT ON MY CREDIT REPORTS AS A factoring company and this is misrepresentation. A " factor '' is one who buys corporate receivables at a discount not a JDB dealing in uncollected bad debt. In addition the call and make threatening and harassing calls, and continuously violate the FDCPA LAWS.
I HAVE FILED DISPUTES WITH ALL AGENCIES AND I HAVE ATTEMPTED TO CONTACT THEM FOR REMOV  AL TO NO AVAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am set to begin repaying my loans on XXXX XXXX. I called navient to see what my payment options were and they gave me what my monthly payments would be. I asked if the payments could be lowered and they told me that was the lowest they could go. By XXXX I will be paying about {$400.00} and this is not something that I can afford. I believe that these companies are setting newly graduated students up for failure and it is a shame. While I do understand this money needs to be paid back it needs to be done in a decent fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (SC).
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: Capital One Bank USA NA, XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX, has issued unautherized hard inquiry to my XXXX credit report ( XXXX ) XXXX. Also ississued a unauthorized hard inquary on my XXXX credit report ( XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MA).
Issue: Taking out the loan or lease

Complaint: Can not get Wells Fargo to issue a title so I can register this truck. I purchased the truck in XXXX 2015. The truck is parked because I can not register or insure it and therefore I can not drive 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 explanation
Consumer complaint received 06/17/2015 about Debt collection (Medical) with I.C. System, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was paid on XX/XX/2014 directly to XXXX of XXXX. Financial manager never removed it from collections, as she said she would XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Judgement filed. I disputed the charges and the company has dropped the case due to lack of documentation and proof that the card was used. XXXX credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Convenience checks

Complaint: In XXXX of XXXX I took advantage of a promotional deal that Bank of America was running through my credit card. I used a check they issued with a 0 % APR until XXXX XXXX. Unfortunately my financial situation did not allow me to pay off this debt by the end promotional period. So starting XXXX XXXX I have been paying the agreed upon 21 % APR on the remaining balance that is subject to this rate. I unfortunately hit a difficult financial time and maxed this credit card out. I am unable to make payments beyond the minimum balance at this time, but I have not missed a payment and continue to pay on time. For standard purchases the APR is 14.99 %. 

Here is where I am upset : It is my understanding that the minimum payment is calculated by adding the interest accumulated on each outstanding balance ( the 21.99 % and the 14.99 % ) and 1 % of the overall balance due. 

It is also my understanding that if I pay the minimum payment the whole payment is applied to the standard account ( the account with the lower interest rate ). This means that the balance of the larger interest actually increases each month because the interest earned from the previous month is added to the Balance Subject to Interest Rate ( BSIR ). In XXXX XXXX the was {$4700.00} for my 21.99 % portion of my BoA balance. As of my last statement ( ending XXXX XXXX, XXXX ) I now owe {$5500.00} for my 21.99 % portion of my BoA balance. This BSIR increases by over {$100.00} each month, and the interest amount increases each month because the BSIR increases. 

I have talked to BoA. They claim that the Fair Credit Act directs them as to how to apply my minimum payment across multiple APR balances on XXXX card. Now I have read the Fair Credit Act. It was boring. It does dictate how to apply payments OVER the minimum. It does not clearly state how minimum payments should be applied. 

It is my assertion that BoA is exploiting a loop hole and hiding behind that FCA. 

Minimum payments should not penalize consumers by increasing debt. Money should be applied to the accounts so that in this case the balance for the higher interest portion does not increase each month. In order for this to stop happening to my account I must pay enough to pay the minimum payment plus the higher interest portion of my debt, least I increase the debt in the higher interest account all over again.

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has reported a judgment for {$870.00} that was not even mine, and this matter was resolved a year ago, and it still shows. They are unreasonable, and when I called they just said to dispute again ... this is keeping me from getting a new car because I was in a car accident and need a vehicle. I 'm hoping this will help so I can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (Medical) with Kross, Lieberman & Stone, Inc. (NC).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Hello My son went to a fast med urgent care the medical insurance is under my name ( im the dad ) this it was placed on my credit report. This company also put it on my sons credit report as well which it should not be. I have been called daily looking for payment. On XXXX occassion i was told " you really should pay these XXXX bills {$54.00} and i believe {$110.00} other eise we will take our next step and go forward with legal action '' to me thats illegal to say there the lae firm of kross, liebetman & stone. I will proceed with a harassment and unethical collection practices lawsuit. What i would like to happen in order for me to not file a lawsuit and i will even resind this complaint i would like these XXXX medical items REMOVED from my son XXXX credit reports immediatly as its on my credit reports and can continue on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I 've attached a letter written with all of the details regarding my dispute, etc., and pages of documentation supporting my dispute with Barclays Bank. 

Barclays never sent me timely information regarding the dispute, nor did they answer my last letter dated, XXXX XXXX, 2017 that pretty much sums up the transaction and details of the ongoing dispute. 

I removed a few pages within the documents I sent. They are page 4 of 18 and 11 of 18 as those pages were copies of my TX drivers license. 

PLEASE MAKE SURE YOU GO THROUGH THE DOCUMENT AS WELL AND REDACT ANY OF MY PERSONAL INFORMATION WITH THE EXCEPTION OF MY NAME, CITY AND STATE. 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 monetary relief
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage lender is harassing, neglecting, and utilizing abusive practice .... 
Mortgage lender, claims account balance owed, when records are incorrect. 
we have contact and requested to investigate. Per reps, they can see issue on the phone and constantly say it will be fix ... nothing has been done after 30 days ... 
receive letters, of foreclosure, late fees, and calls ....

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VA).
Issue: Problems when you are unable to pay

Complaint: In continuation to case number XXXX : Asked Wells Fargo earlier this year for deferral to move my late balance to end of the loan cycle. The rep stated that I would NOT qualify until 12 months had passed for 3 months deferral. I now find out that Wells Fargo did a one month deferral without consent -- please ask them to listen to my call with the rep whom stated I did not qualify yet. There was NO notification mailed out nor did I sign anything. I 'm seeking assistance with bringing my account current. Wells Fargo is now stating that we have to wait an additional 12 months when they should have deferred 3 months rather than one. Our credit is being impacted as we are trying to work with Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Money transfer, virtual currency, or money service (Check cashing service) with Greyhound Capital Group LLC (MD).
Issue: Unexpected or other fees

Complaint: The company just stated their online statement about the fee. Which is : Online - Gift Ticket Orders ( {$18.00} non-refundable Gift Ticket fee applies XXXX Gift Ticket Orders ( GTO ) let you buy tickets online using your credit card for another person. 

Gift Ticket Orders ( XXXX XXXX XXXX non-refundable {$18.00} Gift Ticket fee will be applied at the time of purchase. This fee is per transaction, not per ticket, so it 's the same no matter how many tickets you buy. The tickets can be printed at home or picked up at the bus station theyll be traveling from. GTOs are only applicable at XXXX XXXX locations. 

To pick up their tickets at the station, the person traveling will need to provide : XXXX ID or password chosen by the person purchasing the ticket Confirmation Number At the station- Prepaid Ticket Orders ( {$18.00} non-refundable Prepaid Ticket fee applies ) Prepaid Ticket Orders ( PTO ) let you buy tickets at a Greyhound bus station to be picked up by another person.

Company response to consumer: Untimely response
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to OCWEN by GMAC. With GMAC, I had the ability to prepay principal ( as my note allows ) anytime I wanted via ACH through the GMAC website. OCWEN has no such functionality. So I have to call them monthly to prepay principal. Here 's the issues1 ) They do n't let me prepay principal if it 's between the XXXX & XXXX of the month as they consider my mortgage " late ''? That is not what the note says. So I 'm forced to wait until they clear my monthly mortgage check ( which has NEVER BEEN LATE ) to make a principal payment. 
2 ) XXXX out of XXXX times they apply this principal payment to an upcoming mortgage payment even after I have directed it to be applied to principal. When questioned, they say it 's their system limitation Well now I notice that they actually apply the principal payment when I finally call them to have it fixed!! Not when they received it. So my amortization schedule is incorrect. 

They are horrible!!! I 'm considering paying off my mortgage to avoid having to deal with them!! They should be banned from mortgage processing due to their gross incompetence!

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I bought house in XX/XX/XXXX, mortgaged through Suntrust Mortgage. They forclosed on me and house was sold at auction on XX/XX/XXXX. In all, I was 3 payments behind, approx. XXXX. I was still trying to make monthly payments to not get further behind and try to catch back up. They accepted a couple payments then started returning them, not accepting the monthly payments and wanting the back payments in full. I was unable to and asked for help. They sent package to fill out and return, which I did and they received it on XX/XX/XXXX. Never heard anything from them as was getting close to auction, I called to see if they were gon na help, they said no, that I did n't get the paperwork to them in time. Said they needed 15 days before sale of house. Mine was there 12 days before sale of home. They did send me letter saying I was denyied help. Said they mailed it out on XX/XX/XXXX, but I did n't receive letter in mail until XX/XX/XXXX., 3 days after house was auctioned off. That 's 2 weeks it took to get a reply from them. My package for help I signed and mailed in could have taken that long to get there too, which is unusual and not my fault. So they could have gotten it 15 days before sale date and being that I have been with them for almost 10 years making payments you would think they would be loyal to their customers and accept my help. Obviously not!!!! Also wish I had known about lawsuit against Suntrust recently. I qualified for a settlement, enough to bring my account current, and not be homeless. I never received anything. Feel I was kicked out of my home by suntrust mortgage. I 'll never do business with them again. Thanks for the help!!!

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 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian sent me my credit report on a wrongful dispute that I mention to them they have on my credit report. XXXX XXXX should n't be on my credit report at all that account is over 7 years old. The account was paid off in a settlement and written off by the original creditor. They have no records of the account in their office anymore so Experian could n't have gotten any information. Next Experian failed to provide the proper information on the original creditor they had no phone number for them so how did they verify anything on this account. If Experian truthfully verified this account they should have gotten all the proper contact information and placed it n my credit report. This account was wrongfully disputed and it should have been sent in to Experian as ( outdated ) information pass 7yrs old. Look at the dates on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief