milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My wife took out several loans in the past with Sallie Mae, that were federal loans and she was able to consolidate them, however while I was going to school I took out the same loans but did not know that this particular loan had become a private loan when Sallie Mae broke away and became a private bank. I now have over {$45000.00} in student loans with Sallie Mae along with {$60000.00} in consolidated loans and was told that my monthly payments would be about {$550.00} on top of my wife 's student loan payments and my consolidated payments, leaving us with a {$1200.00} student loan payment each month. I explained that I could not afford this payment and needed to know what my options where. i was told I could defer the payments for 3 months but would have to pay a {$150.00} in order to apply for the forbearance. When I asked what my other choices where they told me that I would have to prove i could not afford my payments and that they could possibly lower the payment but this would extend it from a 12 year loan to a 20 year loan. I have not had good service from the company and many have no idea what they are talking about. I was told that i could consolidate this loan even though it was private, I was told I could do a year forbearance, and I was also told that I did not have to pay any fees. This loan company seems very incompetent and only worried about what they will get paid. When i finally spoke with a supervisor I asked " what do i do if I can not afford this loan, what are my options? '' I was basically told that there were no options except to pay the {$150.00} for the forbearance for 3 months or pay a lower amount or pay the loan off ( i ca n't afford to make payments and I am going to pay the loan off? ). So what was left is to not make payments because I can not afford them, kill my credit for 7 years as well as having my wages garnished ( if that is even possible with a private loan ). Someone really needs to look into the companies practices as I was told also by a rep that this was not originally a private loan but became a private loan when the company split.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: XXXX took funds from my account in the amount of {$2700.00} for a business not related to me in any way. Nor did I authorize the transaction. The funds were taken from my Capital One 360 Account

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I make payments to Navient for my Federal student loans. I have not missed a payment in over 2 years. I submitted a payment from my checking account on XXXX XXXX ( as I have done every month prior and every month since ) but my payment, which was withdrawn from my checking account, was never applied to my Navient account. I discovered this error in XX/XX/XXXX and called Navient to correct it. I was told that I needed to submit a copy of my bank statement verifying that the payment was withdrawn from my account in order for them to correct the issue. I sent the statement the same day. I checked my account for weeks and the payment had still not been applied. I called XX/XX/XXXX and was told that they could see my bank statement and the payment should be applied within 10 business days. It never happened. I submitted a written inquiry a couple of weeks ago and, last Thursday I received correspondence stating that they have my bank statement but are still unable to locate my payment in their system and I now need to send additional documentation proving that the payment was withdrawn from my account. In the meantime, all of my other payments have been received but my account still shows as 30 days delinquent due to a " glitch '' in their system. They are causing damage to my credit report and the " delinquent '' payment is racking up late fees. Their customer service is horrible and I am concerned that this problem will never be fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NM).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX XXXX : Citibank alerted me via phone to possible fraudulent activity on my card. 

XXXX XXXX : Working with Citibank, I closed my credit card. 

XXXX XXXX : Citibank issued a new card on the account and sent it to an incorrect address, despite my speaking with 2 fraud department specialists and providing the correct mailing address. The representatives both said they were sending it XXXX to the address I requested ( which address is in my account records. ) XXXX XXXX : I notified Citibank via phone that they sent the card to one of my home addresses where I would not be present until a month from this date. 

XXXX XXXX : I was able to have a neighbor retrieve the XXXX envelope and put it inside my home for safe-keeping. 

XXXX XXXX : Citibank arbitrarily locked me out of my account ( I have 3 credit cards with them and a website that I have used for many years to get paperless statements and pay my bills ( which are on autopay, I pay my balances timely every month ) ). 

XXXX XXXX : After much time spent on the phone with Citibank, my web account was unlocked and I could access it. No reason was provided why Citibank had locked me out. My password and user name were/are correct. 

XXXX XXXX : I receive a statement notice ( for XXXX XXXX billing cycle ) on the closed card via an email. There was a very large balance due. 

XXXX XXXX : When I try to access my paperless statement for both the closed card number and under the new card number, the website says I am not permitted to see the statement. 

XXXX XXXX : After numerous phone calls and online chat, the issue is not resolved. I can not see my bill or my transactions. 

XXXX XXXX : I request a paper bill, and Citibank insists on sending it to an address on my account where I am not present. 

Note : I have two physical addresses listed on my account, and have had these two addresses since XXXX. I live physically in two different places during different times of the year. 

Note : I have provided all the security information needed. 

Note : These are mature accounts that are paid in full timely every billing cycle. 

Note : My credit card was not lost or stolen. 

Note : I take strict means to protect my identity and online billing information. 

Note : In my opinion, this problem ( Citibank 's failure to provide me with an accounting of charges during a period of fraudulent activity ) is due to customer service representatives following a script that is not able to respond to specific situations. 

Note : It seems wrong to require payment for services and goods without providing a timely and accurate accounting.

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 04-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Unsolicited issuance of credit card

Complaint: Capital One Bank sent me XXXX credit cards under my account, XXXX for me and XXXX for my spouse. The card for my wife was never activated and never used. My wife has her own card with Capital One. Capital One creates a XXXX account for her and sends her a credit card directly without notice to me. Thus, she has XXXX credit cards from Capital One : XXXX of her own and XXXX to me. She incurs XXXX charges totaling {$400.00} on the XXXX card I know nothing about. XXXX, How can Capital One hold me responsible for her charges on a card I never authorized or had any knowledge of?

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The Servicing Company to my mortgage - Nationstar Mortgage is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Nationstar Mortgage properly and fairly review our loan modification request for relief. We intend to keep our home and both of us are in out XXXX 's and have many medical and health issues that have kept myself XXXX limited in employment opportunities. In fact, we were forced to lose our businesses ( XXXX ) as a result of the health related to XXXX and XXXX XXXX XXXX. In addition, Nationstar has repeatedly denied us help several times for several years although we meet all eligibility criteria. They have never offered any alternative to foreclosure programs like short sale. Nationstar Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX PROCESSING SOLUTIONS to illegally start foreclosure on my property. The Nationstar Mortgage and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there no reason why Nationstar should have denied our request or started foreclose on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (VA).
Issue: Problems when you are unable to pay

Complaint: My significant other passed away. Before he passed, we took out a loan with Mariner Finance. Since his passing, this loan along with others have fallen behind. I have taken on all bills and have finally hit a wall not being able to pay my rent at all as well as these bills ontime. However, with the other places I have told of my situation and thwy put me on a hardship plan to help become current again. Mariner Finance threatened me with court attorney fees up to {$1000.00} and garnishment of my bank account if I do n't become current by the XXXX of XXXX. I told them that I will do my best to pay towards what I owe but I have n't paid rent yet because of my hardship. Which I am trying to fix before this month 's end. The fact that thwy will not work with me to get current is very upsetting. I am behind {$280.00} with Mariner Finance. They say that by the XXXX I will become sued for court costs attorney costs as well as garnishment which will put me in a perfect poverish state of being. I have a XXXX XXXX XXXX daughter and can not be put out on the street because of added on court fees. Everything is being paid I just need a plan with them to catch up. I 'm fighting my way back ... with everyone but I need a give qith this company

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 09-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian unilaterally decided a compliant did not come from me and refused to move forward on requested corrections and disputes

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 04/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CHEMICAL FINANCIAL CORPORATION (MI).
Issue: Trouble during payment process

Complaint: I received a statement from  Chemical Ban k reflecting a balance of {$75.00} consisting of a {$75.00} annual fee for the line of credit PLUS  a 0.18 in terest charge.  Chemical  Bank also charged the {$75.00} against my line of credit.     When I called to inquire about this practice, I was informed that it was permitted by my contract. In all previous years, when the Bank  (  including their predecessor   XXXX   XXXX    )  sent an invoice for the {$75.00} fee, it was paid promptly.     This appears to be little more than an attempt to extract a paltry  0.18 i n addition to their fee.

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 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: BankAmericard Travel Rewards Visa Signature  card - False advertising, bait and switch rewards program In early  XXXX  of  2017   , before my oversea trip I called Bank Of America about this card 's rewards redemption program. The program specifies that the reward points can be redeemed as statement credit to offset the travel expenses charged to this card, so i asked the BOA agent ( on the phone ) what type of travel expense would be qualified and I was told, " any type of travel expense qualifies. '' Therefore, I advised him that I would be traveling overseas from  XXXX   XXXX  -  XXXX   XXXX  of this year and would be using this credit card there. While I was traveling overseas I purchased airline tickets using this credit card on   XXXX   ( an travel agency ) for about {$450.00}. After I came back from my vacation, on  XXXX   XXXX , I called BOA to redeem my reward points to offset this travel expense, but the agent told me he had trouble redeeming my points against my travel expense because there was some sort of coding error in my  XXXX  charge. He advised me to go ahead and pay off my travel expense first and then he will correct the posting code and redeem my reward points as statement credit later for me. But one week later I still do n't see the statement credit so I called BOA again on  XXXX   XXXX , and at first the agent said that I should be able to redeem my points against any travel expense but when she realized that the charge had coding error, she said she could n't do anything about it, that I had to contact the merchant ( mind you, in foreign country ) to correct the coding. I asked to speak to her supervisor and she said " it does n't matter, supervisor would n't be able to help in this case anyway. '' I ca n't believe her response! I feel so betrayed by BOA, because before the trip I specifically asked them what type of travel expense is eligible and was told " any and all travel expense are eligible. '' And because of this response I decided to take this credit card on my trip and not any other brands of credit cards. I could have brought and used my  XXXX   XXXX  or  XXXX  or  XXXX  card for that purchase if BOA did n't lie to me!! For a financial service company of this size to be so irresponsible or so incompetent with their business practice, I 'm beyond disbelief and disappointed. I feel hurt and deeply betrayed for believing and trusting this company in the first place.

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 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OK).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I have worked on fixing correcting my credit which is depending on agency XXXX about. I filed for a Best Buy credit card notice sent for denial was because they could not confirm it was me, so I mailed a copy of my bill with my address and name on house bill house by the way I own outright. 2 letters sent asking what is going on one call, but never got a response which stinks to have what I believe is good credit and denied for not any known reason. I wrote them and scanned my home bill in my name only and its been over a month since this happened, but they never respond at all. I did check XXXX believe it was they sent me a report but could find no issue that in my opinion would of created this or an issue or if not given credit a reason other than then they can not confirm I am who I said I am. If issue, thought they would of asked or called me or responds a least to my inquiry so I know what the reason was verse having NO IDEA why they denied me credit. I am unsure of anything other than use or nicked my credit score a few points to apply and would of a least expect a professional response vs nothing, evidentially writing to them and asking them will not get them to respond or ask question if there was or is one.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was the subject of a cyberattack and failed to protect the sensitive, personal information I trusted them with. 

The breach lasted from mid-XX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient and XXXX XXXX are both reporting I have been delinquent 120 plus days on my credit report back in XX/XX/2014which is dramatically impacting my credit score. Reports show in XX/XX/2014my loans were 120+ Days late. This is I accurate I have never been late paying on my loans EVER. I have had to pay credit repair services to take the late payments off to which they successfully do but then XXXX XXXX and navient once again report these inaccurate late payments again shortly after It is removed. I want the late payments removed permanently. These problems did not occur until navient bought XXXX XXXX. I have seen through the credit repair service I have used that navient and XXXX XXXX say charge off and settlement I have no clue what these companies are doing but it needs to stop! I want to know why XXXX XXXX and navient are BOTH reporting the same thing as well? Didnt navient but XXXX XXXX? Why is XXXX XXXX continuing to hit my report It is showing 120+ Days late 4 times every time due to mynlaon being 2 separate loans however, because they both continue to report negatively It shows double!

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (OR).
Issue: Unauthorized transactions/trans. issues

Complaint: I placed {$1000.00}. on my wife 's prepaid card a month or two ago. Almost immediately the money was stolen by fraudulent charges made in XXXX. Amex refunded a couple XXXX dollars after a month or so but refuses to refund the remaining fraudulent charges. The customer service reps in XXXX are poorly trained and completely useless and nobody at the amex company in XXXX will talk to us, call us back, take us seriously etc. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SN SERVICING CORPORATION (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: SN Servicing Corporation is falsely alleging that my husband and I owe {$630000.00} for an alleged mortgage. Notwithstanding the fact that public records and property tax records show there is no mortgage on our property, SN Servicing continues to send monthly billing statements with alleged costs escalating each month. Months ago, my husband and I contacted SN Servicing in or around XXXX XXXX and spoke with XXXX XXXX and XXXX XXXX who claimed to be portfolio managers. When we asked why they were charging us for attorney fees and foreclosure expenses, we were informed that those fees were for XXXX law firm, XXXX [ Note address : XXXX, HI XXXX phone : XXXX XXXX / fax XXXX ] This law firm attempted to foreclose on our property on behalf of XXXX I in XXXX XXXX to XXXX XXXX in the Hawaii XXXX XXXX Court but failed to foreclose. The case was dismissed on XXXX XXXX, XXXX. Now SN Servicing continues charging us foreclosure expenses, alleged mortgage charges, and other expenses including opposing counsels ' attorney fees that we do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have any knowledge of the said account Midland Credit Management I have contact this company in the past & thru CFPB asking for validation of this account the out come is always a letter stating that the info is correct! How is this info correct? How did you verify this information to be correct? What proof do you have to show this info is correct? Can you please share with me how you found this info is correct? I tried to request verification online today thru XXXX & i received a statement saying that MIDLAND wo n't reinvestigate this matter but it was never proven to me how is was my debt! I have attach the letter that was sent to me just stating that the info is correct

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with CITIBANK, N.A. (RI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On   XXXX   XXXX   XXXX    , my wife made a credit card payment to   Citibank via phone for {$100.00}.
This payment was processed and then on the same date, Citibank made an unauthorized payment process for {$2900.00} to pay the balance on the card. We did not authorize this payment. The bank then charged our account for an overdaft. My wife contacted Citibank and their response was sorry nothi  ng they can do.

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