milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loan servicer is Navient. In XX/XX/2016 I applied and was placed into an " Income-Driven Repayment ( IDR ) plan '' I recertified in XX/XX/2016. Instead of placing me back into Income-Driven Repayment ( IDR ) plan I was placed into a 12-month forbearance. This is not conducive in my path to repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have Navient as a loan service. I am on a low income based plan because I have loans from XXXX and graduate school. I made payments, did the yearly income verification and setup auto payment for a few years. 

Towards the end of XXXX XXXX, I was laid off. I called Navient, said I was laid off and had the paperwork from previous employer and the unemployment office. I was told that they would defer it and no payments would be due. I asked if anything else could be done because I know that I have to make 25 years of qualifying payments for forgiveness and I wouldnt owe much on my income based plan. I was told that it wasnt my time for income verification and could not do anything except a forebearance. It took me several months and XXXX states to find another job because if my circumstances. 

I found a new job at a startup, eventually got back on my feet and did the income verification with my new employer. In XXXX XXXX, I was laid off again as most of the startup company started to go under ( and is now out of business ). I called again with my paperwork ready. I was once again told that I could only do a forbearance, there was no other option. Having gone through this before, I thought that was the truth. 

It took me a few more months to once again get back on my feet and am still struggling after so many months of being laid off. My forbearance ended, my income verification came up and the fraud protection on the IRS site that links your tax return to the Department of Education was in effect at that time as well. This caused me to be late on payments, and Navient filed a 90 day late on my credit report. However, if I had the option to do a verification of income when I was laid off, there would not have been any late payments. This one mark is crippling my credit severely impacted. 

I was not offered, told or suggested that there was the opportunity to reverify my income. Only that you do that once per year. I didnt know that option until all of the consumer articles came out over the summer and recently, and I looked more into the complaints. I now have roughly two years where I would have qualified for a lower to no payment based on my income based plan but its shown as a in forbearance that doesnt go towards the 25 years of payments. This has lead to higher interest amounts and an extra two years of payments and interest that will go to them. I really think I was blatantly defrauded at a very trying time where I took them for their word and was very distraught after losing my job. Because I went to college and graduate school, this is going to cost my extra thousands if not more. Something has to be done, because between the credit report hit and them extending the life of my loan, Ive become extremely financially crippled.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently reviewed my credit report and notice several incorrect information. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the allege debt validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt sent me forged documents ), XXXX XXXX XXXX ( never validated the allege debt has not responded to any notices ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with the county nor have they provided legit documents ), and XXXX XXXX ( this company has not responded to any letters, CFPB is unable to locate the company nor has the company added the sentence consumer disputes ). There are several unauthorized inquiries reported to the Credit Bureau but I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent XXXX, Transunion, and XXXX notices to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.

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 08-02-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " Ace Cash Express ''. They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc.
My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: I was charged excessive overdraft fees by U.S. Bank checking account. I would check the account every morning and night and discovered that I was getting overdrafts from three days ago when they said my account went negative. I then talked to a supervisor and told him that very morning my account was positive XXXX dollars at XXXX XXXX and then at approx. XXXX in the afternoon my account was suddenly negative XXXX dollars because they charged XXXX overdraft fees for XXXX day.

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 04-06-2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (OK).
Issue: Taking out the loan or lease

Complaint: I entered a loan agreement with Big Picture loans for XXXX. 
I was lead to believe I would be paying four installments of XXXX dollars and some change. After I agreed to the terms, the loan turned out to be for nineteen bi-weekly installments of XXXX and the final payment of XXXX. Apparently all of this at the interest rate of 697.0875 % APR. None of this was relayed prior to the loan. I can not get a hold of anyone one their side and when I do they hang up on me when I attempt to explain why I need a payment arrangement change date. They insist on processing the payment on the date I get my direct deposit, but they are drafting before it hits and I am incurring over draw fees because of it and no one will cooperate to even resolve this issue. It is a complete nightmare. I regret having acquired a loan through this company. Any assistance will be greatly appreciated. 
Thank you, Loan Company Information : Red Rock Tribal Lending, LLC dba Big Picture Loans XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: USAA will not allow me full member access to my accounts saying that " Since I declared bankruptcy they ca n't collect debts ''. This is contrary to bankruptcy law, as my bankruptcy was finalized 3 years ago, and therefore I no longer owe them money. When I call to find out more and get more details and ask to speak to a supervisor in banking they put me on hold for XXXX minutes and then disconnect me. They only allow me mobile access, which does not allow access to my USAA accounts to change how I pay my bill and do other critical things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax list student loans backed by the Stafford Loan agreement as " Installment Loans ''. Which technically they are installment loans but you can not declare bankruptcy on them. The other Credit Reporting agencies do not use Student Loans as installment loans. They are listed as Other or Student. That way the Debt To Income ratio for your score is not as highly affected. This is not fair if the Student loans are on a " Income Based Repayment plan '' like 48 % of Americans use. This compounds any actually " Installment '' loans such as Auto, mortgage, etc.. we may get. For instance my DTI ratio is 109 % because of the equifax listing. My student loans are compounded with my car loan. This throws your credit score down about 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Student loan (Private student loan) with DISCOVER BANK (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: The latest shady experience I 've had with Discover Student Loans took place today XX/XX/XXXX. I had been double charged for a student loan payment on XX/XX/XXXX when I signed up for a repayment assistance plan. Needless to say, getting double charged was the last thing I needed. So, I called Discover Student Loans on XX/XX/XXXX when I noticed on my bank statement why my balance was so low ( double charged ). I spoke with the repayment assistance department and they agreed that they had double charged me and said they would process my payment refund immediately. The person I spoke to even confirmed my phone number and asked if he could call me if there were any issues processing the refund ... Well, today, XXXX days after I made the call I still had not received the refund. So, I called again, explained, and after being put on hold the person I spoke to said that they had just sent the refund by mail TODAY ( seriously?! ) and that it will take an additional XXXX days for it to arrive. Clearly, they were not planning on refunding my payment, and then to top it all off they sent it by mail instead of refunding it directly to my bank account. This is the third time in XXXX years I 've experienced an unscrupulous practice from Discover Student Loans. I will also submit a complaint for those other instances because enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Other debt) with North Shore Agency, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear Reviewer, All the sudden I started receiving letters from XXXX XXXX ( a/k/a XXXX  XXXX XXXX ) claiming I owe them {$33.00} for some coin that they supposedly sent to me, and more importantly something I did not receive, and i never ordered. I called them and informed them that I have no idea what coin they are talking about, and I never ordered such item. I asked them to provide me " PROOF '' that I ordered such item, but I never received such prove. Next, I 'm receiving the attached collection letters from North Shore Agency ( NSA ). I called this NSA ( North Shore Agency ) disputing the alleged debt, and the representative on the phone did n't care to hear my side and he asked me to pay the amount or they would continue collections and report it to my credit report ( basically threatening me to pay ). At this point, I was self assured that this is a pure SCAM to force citizens like myself to pay this amount, and the sad part some people will probably pay it, simply to not deal with it. But not me, I will inform the proper authority to investigate this SCAM and fraudulent practices. Again, I never ordered any coins, and never received such coins alleged here. This company and agency are purely motivated to collect fraudulent alleged debt without any legal ground and proof of such debt. Furthermore, when I did a simple search on The XXXX XXXX, there are hundreds and hundreds of complains and scam scheme reviews with hundred of victims defrauded by these companies. I respectfully ask the state of Michigan AG office, consumer protection agency, and any other applicable authority by law to investigate these wrong doings and fraudulent practices by The XXXX XXXX, and North Shore Agency to force people pay for products that they never ordered, and threaten them to be reported on their credit report. I have attached the Letters I received from North Shore Agency. Thank you for your attention to this matter Respectfully Yours, XXXX 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 08-11-2015 about Debt collection (Payday loan) with Essential Retrieval Group (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I 've received several phone calls from XXXX XXXX of ERG collection threatening me to make arrangements to pay for a loanfrom 2010. I 've asked for proof but they will only send me proof if I agree to make payment arrangements. Since I 'm entitled to the information, I 've refused to make arrangements until I get the information, they 've repeatedly called my job, leaving her XXXX number. It 's very disruptive and unprofessional. I 've asked to stop calling the job but they wo n't.

Company response to consumer: Untimely response
Consumer complaint received 01-09-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: so as i was applying for a mortgage they pulled my credit and thats when the lien appeared, I was ordered to pay a lien that I never got the court document for, so a judgement was bought against me and I lost the case because I didnt appear in court .That is totally not right because I didnt get a chance to present my case. And also the company who sold my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed my XXXX account with Equifax more times than I can count. XXXX is paid yet Equifax refuses to update the status of the account to paid as agreed and closed. XXXX has reported the {$0.00} balance. I called and was assured by a customer service agent that he was personally going to change the account to closed. I check my credit today, it is reporting as open AND 120 days past due. Neither is true. I do n't know what to do anymore. They had so many mistakes on my credit report I have lost count and they flat out refuse to fix anything even when the company that is reporting it agrees that I am correct. Equifax is literally ruining my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was notified on X/X/2017 that my equifax SSN, DOB, address, and more have been included in the recent hack into their system. I registered for credit reporting through equifax that states it will begin monitoring for 12 months starting X/2017

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (DC).
Issue: Struggling to pay mortgage

Complaint: ine complaint portal. ...XX/XX/XXXX

XXXX XXXX XX/XX/XXXX 
to Consumer 
Greeting, I would like to file a complaint against :- The Ocwen / Home Ward Residential

On or around XX/XX/XXXX I contacted my  loan servicing company Ocwen  about refinancing , I was told my a XXXX , " We don't do refinancing but we have a replicable company whom we work
with". I was given a loan officer by the name of XXXX XXXX  , whom took an application over phone and gave me a Quote on what my new monthly payments would be.
He then ask for several public and personal information that he claim was needed to move my application forward, all those information was given to XXXX XXXX.

XXXX XXXX urge me also to paid for an appraisal right away which he said would move things faster so refinancing could be closed. I made it clear that I did not want to pay for an appraisal
If I was not going to get loan, he replied that they were just waiting on appraisal to go through closing. I gave e-mail XXXX XXXX my ATE card, he deducted $XXXX from my account.

I was not satisfied with appraisal and I inform XXXX XXXX , I was not satisfied with appraisal and I wiil not sign for it. XXXX XXXX response was the appraisal had not to with me being qualified for
for refinancing---------I  made it clear to XXXX XXXX I needed no loan just to lower my interest rate.

I then about three other people from home ward asking for information that I had give to XXXX XXXX XXXX:-
A XXXX XXXX XXXX XXXX XXXX XXXX I then HAD SOME QUESTIONS ABOUT THE HOW PROCESS WAS BEING CODUCTED , THEN I WAS TOLD WE  DONT DO REFINANCIN IN YOUR AREA, WE WILL LET YOU

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Managing the loan or lease

Complaint: GM Financial somehow lost my {$300.00} payment that was sent to them in XX/XX/XXXX and/or XX/XX/XXXX. Their records indicate that I never made a payment ; I sent them my statement from that time period that confirms that they did indeed receive and process the payment for {$300.00}. I contacted them in XX/XX/XXXX to resolve this, and no one has done anything so far. Everytime I speak to someone over the phone or via email, I am told that management is looking into it. It has been almost 3 months. This needs to be handled ASAP. My loan had an original payoff date of XX/XX/XXXX, but now it shows that I owe {$1000.00} in late fees that never should have been there. I paid my bill on time every month. They need to locate this missing payment. It was taken out of my account and processed by them, and they refuse to acknowledge this. This loan is showing negative marks on my credit as well as a leftover balance of {$1000.00} due to GM Financial 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My mother had been banking with Wells Fargo for years, so naturally she encouraged me to get a bank account/savings with Wells Fargo, which I did. Shortly after I turned XXXX XXXX XXXX on XXXX XXXX, 2008 I went with my mom to the bank where they advised to get a credit card to build my credit. My mom, a first generation immigrant from XXXX with little to no knowledge in finances, was convinced by the banker that this was the right thing to do for my credit. Not long after I fell back on payments since I did not have a stable job at the time and I was making only the minimum payment. At a certain point the card maxed out due to fees and high rates. At that point, Wells Fargo instead of reaching out to me, the credit card department increased my card limit from {$500.00} to {$1100.00} as a solution when the card was maxed out due to fees not overspending. it created additional financial distress for me when the card should have been closed out or they just have tried to reach an agreement with me. I believe that my mother and I were unfairly targeted because of my youth and her financial inexperience. I tried to contact Wells Fargo numerous times to get a resolution to no avail.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I heard about the scandal with Equifax and was sent the email to check to see if I was affected. According to the link, it said there was a good chance that I was affected based on the information that I provided. The date that I checked was today, XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit report now has 42 inquires all of which are fraudulent. i have advised XXXX XXXX and transunion All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXX-Never Applied Comenity bank- No Knowledge Capital one - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX/XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed

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 02/27/2017 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Advertising and marketing

Complaint: I use a XXXX / Barclay credit card to make a XXXX purchase back on XX/XX/XXXX. One of the benefits of using this credit card to pay for the XXXX is {$100.00} credit. Since last year I have been calling several time to inquiry as of why the credit has not been posted to my account after XX/XX/XXXX. There are constant excuses and the last time I call ( 2 weeks ago ) a representative told me that the request was made manually and it will be on the account not later than XX/XX/XXXX. So far no credit.

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