milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My private loan is currently through Navient. I read on the article regarding Navient cheating borrowers in interest and misleading consumers in their loan products. During my financial struggles, Navient advised they will place my loan on forbearance not providing me with full details and verbally consenting to the agreement. I was told they can lower my payments to help. The program they put me in was an interest only 2 year plan. For the duration of the 2 years, I made my minimum payments and had a few months to apply more to principal. when I would check my outstanding balance, I started with a {$28000.00} student loan and after the 2 year period, my principal balance increased to {$33000.00}. I contacted Navient to complain and advise why nothing has been applied to principal. They advised I am on the interest only plan. I paid this interest only plan for almost 3 years before I noticed the balance was not decreasing. I advised I want to pay off the loan as soon as possible and to remove me from the interest only plan. my payments jumped up to over {$560.00} and noticed only {$100.00} is being applied to principal. I called to complain and requested an amortization schedule but they advised there is nothing they can do. They recommended another forbearance or to extend my terms to lower my payments. 

Soon after, my school ( XXXX ) filed bankruptcy and closed their doors in 2016. I called to request a discharge, forgiveness or a principal reduction as the school credentials are no longer valid and it was almost impossible to get a good paying job. XXXX XXXX XXXX was sued due to this reason. An individual who had no degree would be able to get the same job as me and start at a higher rate. I do not believe I should be liable to pay the remainder of the loan and tried to request a discharge but they said there are no programs for this and kept recommending forbearance or an extended term. I graduated XXXX with an principal starting balance of {$28000.00}. 8-years later, my unpaid principal balance is {$27000.00}. 

Navient cheated me with interest charges and did not apply the proper amount to principal and mislead me with no available programs to help pay down my debt. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This account is too old and was not open in XXXX 2016 as stated in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX, XXXX XXXX XXXX is a 3rd party agency along with another agency EOS CCA a debt collector and is been sending me notices for a debt in the amount of {$1000.00} I have requested a contract with signature that I have account with XXXX XXXX XXXX AND EOS CCA DEBT COLLECTOR.. i have yet to receive contract with signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX EOS CCA XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Someone used my social security number to create a fraudulent account through XXXX during the dates of XXXX. XXXX - XXXX. XXXX and now I owe a XXXX bill that the EOS CCA collections agency purchased from XXXX. 

Years ago ( XXXX ) I contacted XXXX and was told by them they have no litigation on this matter since EOS CCA purchased the debt. I contacted EOS CCA and they told me I have to prove that I did not live at the address where the XXXX debt occurred ( XXXX XXXX XXXX XXXX XXXX XXXX and the tenants name XXXX XXXX during the fraud dates ) I sent mailed them the documents that proved I never lived at that address and the credit calls stop soon after that so I assumed it was resolved. 

I recently found out that they never resolved it and my credit is still being negatively affected. I called them once again today ( XX/XX/XXXX ) and they told me they never received any documents and that their data is showing this is the first time I have ever called which is untrue. They are mailing me a fraud packet that i must fill out and enclose a police report ( which I am currently working on ) and a written letter about the dispute and send it to them within 30 days. 

I am contacting the CFPB because I doubt they will remove the debt since they seem to lie or forget about all the calls ive made to them and the proof documents. At one point EOS CCA even accused me of creating the fraud telling me I could have given away or sold my social security number effectively implying that I am a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase, the crypto currency wallet/exchange company, due to security reasons disabled my account and told me it would take 4 business days for them to verify the cause and give me an answer. Its been more than 8 business days and i still have n't heard back from them. Customer support stopped answering phone calls due to high volume of traffic. And when they did, about 3 days ago, they could access the account but werent able to give you any information. I spoke with at least 5 representatives and all they said was that i just needed to wait for someone to contact me by email. My funds are frozen and i cant access my account, I looked online to see if more people were having the same problem and found out there is thousands of complaints of people blocked out and accounts disabled for months. I currently have XXXX dollars and seems like i 'm going to loose my money. I thought this was a serious company since its based in XXXX XXXX and its the biggest crypto currency wallet in the world. 
Please do something!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I been trying ro get my credit score but when I check it it say I have a thin file but I would really like to get a car out butbwhen they run my credit it says XXXX can you please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am contesting Wells Fargo Home Mortgage ( Wells Fargo, N.A., Wells Fargo and Co., and the Bank ) decision to foreclose on my primary residence on XX/XX/XXXX, more specifically, loan number XXXX. My mortgage servicer, Wells Fargo did not properly provide me with a written notice within five days ( excluding Saturdays, Sundays, or legal holidays ) after the Bank received my complete loss mitigation application which is mandated by Consumer Financial Protect Bureau ( CFPB ) XX/XX/XXXX mortgage rules and subsequent amendments published by not only the CFBP but also the OCC and FRB. Furthermore, Wells Fargo did not properly deny the completed loss mitigation application I submitted to the Bank. 

Wells Fargo conducted an illegal sale of my primary residence which is clearly a violation of consumer financial laws. 

Although I offered to make a partial mortgage payment, Wells Fargo wrongfully foreclosed on my primary residence. I applied for multiple loan loss modifications and Wells Fargo did not perform a reasonable review of my completed loan modification application specifically, my complete loan modification application that I submitted to XXXX XXXX on XX/XX/XXXX. XXXX XXXX also confirmed that he received my completed loan modification application on same day. XXXX XXXX, Executive Home Preservation Specialist assured me that my home would not be sold and my application would be reviewed. However, Wells Fargo wrongfully auctioned my primary residence on XX/XX/XXXX. 

I am requesting that the CFPB conduct a full investigation of Wells Fargo Home Mortgage servicing practices from XX/XX/XXXX through XX/XX/XXXX in order to uncover Wells Fargo unfair, deceptive, or abusive acts or practices ( UDAAP ). Frankly, this Bank has and continues to commit wrongful foreclose acts against not only me but also against XXXX other U.S. households. 

As the world renowned XXXX XXXX XXXX XXXX, XXXX so eloquently stated decades ago " injustice anywhere is a threat to justice everywhere. ''

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 08/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I tried to open a regular checking or at least a savings bank account today with Chase - FSR XXXX XXXX and XXXX - XXXX XXXX XXXX - both Banks refused to open an account because I do not have XXXX yet since I just arrived to the US on XXXX/XXXX/16 with a XXXX - married to an US citizen.I presented my Passport with the XXXX with the official Stamp from Homeland Security, as well as my Social Security number, proof of residency. 
I 'm a lawful resident of the United States, married to an US citizen, allowed to work. Even Employers accept and know about the Stamp, XXXX and do accept this - as i is a very clear and simple process by the US Government. 
But those XXXX Banks refused today o open a bank Account, even my wife was with me and presented all her legit paperwork as an US citizen they did not open an Account. 
This denial is descriminatory. 
I am allowed to work, pay taxes but can not have a bank account where my pay cheque can be deposited in ....

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My names is XXXX XXXX recently i 've checked my credit report and came across XXXX inquiries about my score i 've checked on the inquiries and they have popped up coming from different states i 've never been too like XXXX XXXX and XXXX these inquiries are from XXXX XXXX XXXX, XXXXXXXX XXXX card i would really appreciate your help and assistance in taking care of these inquiries i am worried about my credit information so please help me figure out these situation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with DISCOVER BANK (CT).
Issue: Other

Complaint: Discover card is reporting that I have a joint account with my husband. The account was opened before I even knew him. It was opened XX/XX/XXXX. We did not get married until XX/XX/XXXX. He added me as a user on the card. They had none of this information on me when I called they did n't have my dob XXXX/XXXX/XXXX my ssn XXXX and my marriage date of XXXX/XXXX/XXXX. This is preventing us from getting a rental which is larger than what we have. I have not filled out any application and they did not have the above stated items. I would like the reported part removed from my correct report and the judgement removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I do n't understand why I have XXXX XXXX XXXX XXXX XXXX. All of these charges were negotiated with insurance and we agreed that these charges were incorrect.

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 04/24/2017 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: My ex fianc had a   XXXX   's credit card he opened in  XXXX  before I met him  XXXX   XXXX   XXXX   has an  XXXX  and  XXXX  's store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in   XXXX   and around   XXXX   I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  XXXX  's and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with   XXXX   XXXX   and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX  s refuses to remove it, even with a police report submitted to them.  XXXX  's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   's does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!

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 03/13/2017 about Credit card () with CITIBANK, N.A. (TN).
Issue: Billing disputes

Complaint: I took the Citi XXXX XXXX card due to an offer for credit off a flight I was booking. I made the payment for the full amount by phone, received a confirmation # and also a paper statement showing a balance of XXXX. A few days later I started receiving calls from Citi saying my account was over due. I called back and they said the payment had been returned. I attemped to make the payment again and it seemed to go through again. Now a week later the account shows a balance again and another late fee and returned check 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 06-08-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Navient loans contacted my boyfriend 's parents about my loans. Neither my boyfriend or his parents have any association with these loans an d Navient would  have had to illegally obtain information to even get their contact information. The only person associated with the account is me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report.
My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX bill from 2004, hurricanes blew XXXX towers down here in XXXX Florida, no service, had to change companies. This debt is 11 years old and should be long gone, this collection company keeps '' renewing '' the debt and claiming it is new. 11 years old!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a personal Fine Art business called XXXX. I started this business in XXXX and by fall of XXXX it was still loosing money and I initiated a consultation to consider bankruptcy. I decided to file for bankruptcy and was told that the filing would stay on my credit report for seven years. For the past seven years I have had to pay higher rates on everything and have been patiently waiting for the 7years to pass so I can get my credit score back in good standing. I signed up with a credit reporting agency this past fall to review my credit score and correct anything that was wrong and make any other changes necessary. I requested that some items be investigated and received the Trans Union investigation results stating that my Chapter XXXX bankruptcy filed on XXXX/XXXX/XXXX will not be removed until XXXX. This is a complete surprise and not what I was initially told. What can be done about this? I may have sought other avenues had I known that this bankruptcy would stay on my credit report for a full 10 years. Either I was given wrong information or the decision changed recently in which case I do n't feel that it should apply to me. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Other mortgage) with BB&T CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our Family owns an automotive repair shop in XXXX Florida. We have served this community since the XXXX. My father in law had a loan with XXXX Bank. FDIC focreced BB & T to take on XXXX bank and thus our loan was now with BB & T. Everything was fine and BB & T even approved a 2nd Loan to the business with my father in laws guarantee. 
The economy tanked in XXXX XXXX and my father in law fell behind on the payments. 
In XXXX of XXXX my father in law passed away leaving everything in flux. I have a background in mortgages and specialize in loss-mitigation, so The day he passed away I reached out to the BB & T account manager at the time and his response was " yeah no wonder he had a XXXX XXXX after the news we were giveing him '' alluding to the pending forclosire. We have attempted to negotiate the terms of the loan, request to modify the loan, short-sale the property, requested the original loan documents, and even requested a BK attorney reach out to the bank in order to negotiate in good faith. The bank has been silent with the exception of leving our BB & T accounts on XXXX XXXX XXXX XXXX, putting us in a precarious situutation unable to make payroll and our Accounts payable. 
Since then our attorneys received notice of mandatory mediation secheduled for XXXX/XXXX/XXXX issued through the courts ; BB & T I suppse woke up because in the last two weeks they moved for a motion requesting forclosure decison be completed prior to mediation. 
We have worked tireslessly for the last two years to bring the company back from the edge of bankruptcy and the shop is doing well. We have emplyees and their families we are considering not to mention the lovely hood of a family that has depended on this business for 15 years.

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 03/15/2018 about Debt collection (Medical debt) with AR Resources, Inc. (FL) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I recieved medical treatment from XXXX XXXX, paid all invoices that were my financial responsibility. Final bill was paid XX/XX/2017 via XXXX Debit Card. 

One year after payment, AR Resources reported to all credit reporting agencies that I had an open account for collections for the medical bill I already paid. 

I contacted XXXX XXXX, they told me that my balance was {$0.00}, and that they would contact to AR resources to inform then of payment. 

I contacted AR resources, they told me could not do anything until XXXX XXXX   contacts them. 

Two weeks later my credit score continues to fall due to an account that I have paid in full a year ago. There is a breakdown in communications between the two parties, and whose fault of them, not mine for not communicating with each other, is affecting me financially.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation