milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received many emails from Navient suggesting forbearance as a solution to my struggle to pay back student loan debt. I explained in a response that I would like to know more about income driven repayment options and was referred to a phone number to Navient customer service who said they could mail me a packet to fill out in order to apply for income based repayment. I called twice to request the packet. I still have not received said packet. I talked to someone at Navient today who said that they wo n't send out the packets anymore because of that and gave me a different contact to call to request the packet. No one has explained repayment options to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX / XXXX / 2017  my previous complaint for  XXXX   XXXX  was erroneously closed.   No intellibgible resolution was found. My credit score was wronfully dropped from  XXXX  to  XXXX  and has still not been brought back to where it belongs at  XXXX . No expalanation was ever given by  XXXX . If it is not fixed soon they will be hearing from attorney with a lawsuit. I have attached a copy of screenshots showing the previous and current credir score with   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have Identity fraud. I am being contacted by XXXX XXXX for account that was fraududlently opened using my information. I have filed a police report and they continue to contact me demanding a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Federal student loan debt) with Windham Professionals, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My wages have been garnished, by XXXX XXXX XXXX contracted thru E.D. gov. Unfortunately I was never notified of the garnishment process, or given the chance to dispute or voluntarily offer repayment, agency claims they sent a letter in XXXX of 2017, I honestly know that I did not receive a letter, actually I never even received a warning of garnishment from my employer either. I feel I was not offered a chance of repayment arrangments now that I 'm able and employed to do so, the Education department states that the agency will make numerous attempts to collect the debt or make options available, but in my case they did not, and I feel that they make false attempts and skip straight to garnishment process so that they get their money with out the process of making options available, so in reality they fraud the Education department with their claims of attempts to collect and they fraud people like me by not notifying me or giving me the chance at repayment options before consuming 15 % of my pay, I take the blame for being in this situation but still I was shafted by the process.

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 05-03-2015 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Other

Complaint: I purchased a Laptop from XXXX and at the time of purchase, XXXX had or still have financial options and Barclay visa card was the option so, I applied for the credit card, got approved but Barclay had a not interest if paid by certain date and now Barclay is charging me all the interest accrued from day one but, the balance from that particular purchase was way down and I feel Barclay should only charge interest for the remaining balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: I financed a new car with Nissan Motor Acceptance Corporation. The 2nd payment is noted as late on my credit bureau. Nissan admitted they made a mistake and removed the late payment from my XXXX report but left the late payments on XXXX and XXXX. Multiple disputes have been submitted with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Credit card) with Esser, James & Associates (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A company called Esser James & Associates LLC which is not even licensed to collect debt in my state keeps calling and has left voicemail demanding I call back to record a statement of intent or they will begin litigation ( I believe its illegal under federal law to threaten like this? ) Anyways I have called them and told them they are not licensed in my state and continue to call and threaten. The debt here a majority is a result of identity theft and I have not paid on the balance since the company will not correct it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Since XX/XX/XXXX, Portfolio Recovery Associates have relentlessly tried to collect erroneous debt from me. When they first reported the claim they said I owed them {$1100.00} now they claim I owe them {$1400.00}. PRA even reported to XXXX that I was 120 days late on XX/XX/XXXX and XX/XX/XXXX, destroying my credit scores and payment history. They even change the account numbers on my XXXX report vs the account numbers on my XXXX and XXXX with different payment amounts in an attempt to cause me confusion. <P/>Portfolio Recovery Associates are nasty deceitful Obstructionists of Federal Laws. I warn all American consumers to be aware of Portfolio Recovery Associates ILLEGAL CRIMINAL malpractices. PRA have caused me grave humiliation and loss of income in my attempts to obtain credit & loans to pursue profitable real estate transactions. My income losses range from $ 450,000- {$600000.00} this past year alone from their fraudulent credit reporting activity. PRA reporting efforts have also caused me stifling effects to my overall health. <P/>I have been disputing their claims for months and they retaliate by adding more fraudulent derogatory information on my credit reports. This is their way of War with unsuspecting American consumers. I have recently threatened them with a lawsuit alleging Defamation, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NC).
Issue: Settlement process and costs

Complaint: I am currently with XXXX. I went to my bank XXXX weeks ago to take out an equity line on my home so as to pay for direct care staff to be with my XXXX parents. I was told by XXXX that Wells Fargo/XXXX are listed in the XXXX lien position on my home. I paid off my home in XX/XX/2009 and never used any home equity so they should have come off the XXXX lien when I paid for my home. Basically there is an open-ended equity line showing up on with WF/W on my home deed and this is preventing my current bank, XXXX from completing my request for an equity line. I went to Wells Fargo last Tuesday and took them the information they requested from my bank as well as letters from Wells Fargo showing I had satisfied my debt with them and that they would notify the Register of Deeds. They did not notify the Register of Deeds when I paid off my home and therefore the open-ended equity line is still open with WF/W showing in the XXXX lien position. When I went to XXXX, I met XXXX and supplied him with the documents he requested from my bank. This was over a week ago. The bank was not even able to find a profile on me ( even after having purchased a home and banking with them for years ). XXXX said he would send my information to the research team for investigation. Today, I received a call from XXXX with XXXX XXXX to inform me that he just got my information today and that it could take another 10 days to resolve. This would be almost XXXX weeks they have made me wait. This is unacceptable as I do n't owe this company a dime. While waiting to get my home equity with XXXX XXXX Bank so as to establish direct home care for my elderly parents, my father fell Friday, XX/XX/XXXX and broke both his hip and his shoulder. I feel as though I am XXXX to this bank as it should not take XXXX for them to settle this issue. I owe them {$0.00} and all they have to do is call the Register of Deeds and take themselves off the XXXX lien. I have asked for the president of the bank to call me and at this time I have not heard anything from the president. I requested the local branch staff to reach out to get me assistance as they were unsure last week.

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 09/29/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2013, in their correspondence to me, Bank of America stated my home loan mortgage account had been reinstated without any additional information, explanation, or reference whatsoever before and after this representation. When I made inquiries about the reinstatement I got the runaround an the then assigned single point of contact did n't know either and failed to seek out an answer to provide to me. I have not received any response or explanation to the XXXX 2013 loan reinstatement to date.

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 06/14/2016 about Debt collection (Auto) with McCullough Payne & Haan, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I wanted to choose both options above, which are : Sued me without properly notifying me of lawsuit and sued me where I did not live. Meaning, they sued me in a county where I have never lived at. I got the case file from the county they filed in. I was never served and it states it in the paper work. 


Let me tell you about this practice this company has with filing garnishments and lawsuits in different counties, so that the person that they are after does n't have a chance to respond, answer, or show up in court on a court date they were never notified about. Yes, that is me. The only reason I was notified about this garnishment is because my job notified me. Please keep in my that my job tried to stop the garnishment because they have been doing this for a few years now. They then threatened to go after my employer. They are acting on behalf of GMAC which is now XXXX XXXX. We spoke with them and they told us that they are acting in an illegal matter. We have consulted with an attorney. They acted illegally by first filing a lawsuit in XXXX XXXX that we have never lived in. We went down to XXXX County to get the entire case file. They have never filed in XXXX county that we lived in. No one has ever served us at all. This is n't about whether we owe a debt or not from 11 years ago. This is about their practices. We have also filed a complaint with the consumer agency in georgia. We have mailed a demand letter to XXXX County, demanding that they cancel this garnishment and our reasons why. We have faxed a copy of this letter to the Law firm/collections agency as well. We received notification that the fax succeeded. We also sent a letter to them as well. Lastly we have filed a complaint through the attorney generals office. We are also prepared to file a civil suit demanding that wages that have been garnished, be repaid, if it is n't stopped immediately. You can not go around illegally garnishing wages through illegal procedures. Our attorney says that we have a very good case and that they are in violation of the fdcpa as well on how they went about collecting this debt. If they want to contact me, they can. Not regarding collecting this debt though. This is regarding how they can avoid legal action period. My phone number is not for them to call me trying to collect this debt either.

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 08-07-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a judgment against myself in the original amount of {$670.00}, through XXXX County Superior Court. Over time, this judgment incurred interest, in which I agreed to settle on a total amount of {$1700.00}, with a one time payment. This payment was made via XXXX Bank Personal Check, No. XXXX, on XXXX/XXXX/15, in the amount of {$1700.00}. 

I never received a receipt from XXXX County Superior Court, so I do n't have one to furnish, but I have attached a copy of the payment. The rest of the information I have on the judgment is as follows : Payment Date : XXXX/XXXX/15 Check No. : XXXX Amount : {$1700.00} Bank : XXXX Bank Address ID No. : XXXX - Experian Identification No. : XXXX - Experian XXXX ID No. : XXXX This judgment is showing up on both my Experian and XXXX Credit Report. Had I not have just started a Home Loan, I would have never known about it. This is affecting myself and my family more so due to my Credit Score being affected by an estimated XXXX points, while being in the middle of underwriting a Home Loan. 

I have submitted disputes with both Experian and XXXX, as well as submitted a compliant to the XXXX, along with your Bureau. Please let me know if there 's anything I can do to help move this along as quickly as possible, the difference in Interest Rates will cost me thousands, upon thousands of dollars if I do n't get this taken care of. 

Thank you for your time, I appreciate your help. 

XXXX XXXX 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 02/13/2018 about Student loan (Private student loan) with NELNET, INC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Original loan amt : $ XXXX/Institution : XXXX It is my understanding that XXXX got out of the student loan business and sold the portfolio to XXXX XXXX  in XXXX NE . 

XXXX Acct # : XXXX Over the last couple of months I have written and called XXXX to find out how I can pay off this loan in a lump sum for a lesser amount. I asked this because we have already paid in the neighborhood of {$3800.00} and the balance due is still {$11000.00}. They will only accept payment in the full amount. I'm not a finance wizard but doesn't that calculate to at least 40 % interest when all is said and done? 

I'm retiring next year and trying to get on top of debt while I can and while my brother has offered to help me. My son is the borrower and I am the co-signer. The job market for my son has not been inconsistent so I'm helping. 

Is XXXX 's methodology reasonable and legal?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: The prior owner of my property, XXXX XXXX XXXX, XXXX, Ohio XXXX has the cancelled note for the property and I subsequently purchased the property in XXXX 2016. Ocwen identified that they had NO RECORD of an account still existing on the property. Regardless of this XXXX is foreclosing on the property and all references refer back to Ocwen and account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XXXX XXXX, XXXX. The second page is taken from my XXXX report dated XXXX XXXX, XXXX. The third and fourth page is from TransUnion dated XXXX XXXX, XXXX. The fifth is XXXX dated XXXX XXXX, XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XXXX XXXX, XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.

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 02/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received a XXXX at the for-profit school " XXXX '' in XX/XX/2000-XXXX around $ XXXX. Over the last XXXX years I have paid $ XXXX dollars per month in totaling some $ XXXX. Over the years I have had a hard time paying in spots and they have always denied me the possibility of deferring and suggested I would not only go into default but that my mother 's credit would also be destroyed. It is my contention that due to the insane interest Ive paid ( over twice what the loan was for ) and the lack of options I have been given, I should be able to be able to have some satisfaction after being abused and harassed as a borrower. Additionally I am two months behind currently and they are calling my cell phone at all hours of the day morning, afternoon evening and when I sleep. I am tired of this and want to know when my rights will be cared for as a consumer who was not told my education loan would cost 3 times what I got.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Consumer Loan (Vehicle lease) with CREDIT ACCEPTANCE CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I have had my vehicle for XXXX going on 4 Years and I have always been in good standing with my account on Thursday XXXX XXXX my vehicle was XXXX due to a non payment back XX/XX/XXXX a Year ago to my knowledge everything was up to date in between that year I have contacted the bank and have never been informed of this situation I was quoted my Pay off amount never received any correspondence via mail, Phone, or by email as well when I did contact and speak with representatives of the bank they were very cold, uncaring, and unwilling to try and help they just wanted the past due amount of one month I felt it was very unprofessional as well as very stressfulstressful and overwhelming for me which did not seem to matter to anyone no representatives ever tried to help give me any options or reassurance that we can resolve this issue and figure it out together exactly the opposite I felt bullied and like threatened that if " I did not get a payment in I could lose my vehicle and end up paying more '' per the representative. I understand it is a business and I am in no way trying to cheat or manipulate anyone I just feel the whole situation was handled very poorly and unprofessionally especially a year late where as my Automatic Draft all other payments have been processed with out any problems within that 12 month period. I have also felt a lot of miscommunication a lot of the times where XXXX representative will say XXXX thing and then someone else will say something different on occasions many representatives have made me feel more of a burden and troublesome rather than a customer and this is for doing what is requested by the bank to call if any issues or things with payments I have always kept promise to pay if at anytime I needed to change a scheduled payment due to repairs or unforseen expenses. I just wish I was treated more like a customer than just someone who has a car leased through the bank and all that matters is the Money or at least a little more courtesy than what I was given

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Santander consumer USA I tried my best to ask them to split my payments for 6 months due to not employment and now receiving XXXX which ai n't much a month I really want to keep my SUV but Santander does not refinance loans and since they had help me in the past .. I owed way more on the vehicle than when I purchased it ... when I first financed the vehicle it was XXXX and now the pay off is XXXX I owe way more than what the vehicle is worth ... I am very hurt about this matter ...

Company response to consumer: Closed with non-monetary relief