milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am complaining about Navient. 

I was pushed into a forbearance program even though I was willing and wanted to lower my payments. This has resulted in accumulated interest that is crippling my ability to pay this down even after paying for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: I was pre qualified for a loan through Wells Fargo & submitted all the documentation needed and myself, the listing agent, my real estate agent & the seller were told everything looked great. This went way past the due diligence period, I put down my earnest money, had the home inspected & had the appraisal completed. The closing date was scheduled for XXXX XXXX. XXXX XXXX I received a call that the property taxes were more than they anticipated, & to keep the debt ratio down, they needed me to put down another {$25000.00} and also told me I 'd need to switch my Homeowners Insurance to Option B, which was a higher deductible of {$2500.00} with poor coverage & no full replacement value to reduce my premium. My insurance agent refused to do this to protect my interest. As a result of these XXXX requests at the last minute, I had to back out of the loan. I lost the house, & now I 'm out all the money I put down because of their negligence in informing me of needing this additional money right before closing. They had all my information & knew the taxes for an entire month. What can I do to get Wells Fargo to reimburse me for my earnest money, inspection fee & appraisal fee. I 'm out {$2700.00}. That 's a lot of money for me when they are a Federal Bank & should take responsibility for their incompetence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX XXXX XXXX calls me and my cosigner multiple times per day. I have advised not to call multiple times per day and they continue to do so from different numbers. They also have multiple individuals break on the time and take over the calls without notifying me that they are changing. They are pulling up my credit reports and telling me to not pay my car note or insurance and taunting me about what I can pay or can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (MO).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: Card issued by Net Spend. My name is XXXX XXXX and my live-in boy friend is XXXX XXXX. We received a check from XXXX XXXX XXXX on a claim from vandalism and theft. We put the money on a Net spend card. The funds have never been available to us. We have called and talked to several different people about withholding our money as we need to replace the items stolen during the break-in of our house. 

They keep telling us it is in the account but hasn't been released. When asked for a release date they say 5-10 business days and it has been over 30 days as the checks were deposited in late XX/XX/. They claim that it should have been ready for release on the XX/XX/XXXX after several more calls asking for the status. It is now the XX/XX/XXXX. still no money and we're talking about close to {$6000.00}. At one point I was told that the funds will be on my card " within 24 hrs just DO NOT TURN IN A COMPLAINT TO THE XXXX  ''. I have read some gross story 's about this company pilfering money or as in our case no money at all. What can be done about this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Student loan (Federal student loan servicing) with Ceannate (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Entered into a rehabilitation loan repayment program about 11 months ago and was told that First, the interest would be at XXXX balance owed when completing the program. I have looked into the law regarding what governs this under 34 CFR 662.405 section 4, Vi, Paragraph B, of which it clearly states that they can not charge more than 16 % total collection costs to be added to the unpaid principal of the loan when the loan is sold to an eligible lender or assigned to the Secretary, which may not exceed 16 % of the unpaid principal and accrued interest on the loan at the time of the sale or assignment. The amounts shown would indicate that this would be more than 16 % and I was not notified within the 45 days of this assignment that it also clearly states in the CFR. I had brought this to the attention of the interest charges were way to much and I am asking that they recast the discrepancy that I had originally requested before transfer to a servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IL).
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: XX/XX/XXXX : I applied for Citi bank card in sears store, they said the card will be deliverd home, but i didnt received the card and i spoke to sears store team they took the balance from me and they said they will close the card as it is not approved. 

XX/XX/XXXX : i noticed a mention on my credit report that i am a defaulter of citi bank credit card, i spoke to citi bank they said as i am not having the card number or account number they cant do anything, i spoke to sears and they said to contact credit bureau team, i spoke to them and raised the dispute.

XX/XX/XXXX : After investigation they changed that card status as closed and made it as Charge off bad debt. More than the earlier one this one is affecting adversely my credit file. i am not able to do anything as there is a charge off bad debt mention on my credit file.

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 06-02-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Balance transfer fee

Complaint: About 6 month ago I applied for a secured Credit Card with Wells Fargo since I bank there for the last 4 years. I was approved and deposited {$300.00} into the card. Since I have a XXXX my mother is helping me with my monthly payments. 

On XX/XX/2016 I made a transfer in the amount of {$45.00} from my checking account into the the secured credit card and got charged a {$35.00} Overdraft Transfer fee. 

On XX/XX/2016 my mother made a {$43.00} deposit into my checking account through the ATM, which was posted to my account on XXXX. That means the bank was working with my money for 4 days before they transfered it into my checking account, which resulted for me to have a negative amount of {$0.00} cents on my secured credit card, since I was unable to make a transfer deposit. 

On XX/XX/2016 I was finally able to transfer {$0.00} cents into my securedt credit card after the bank deposited the {$43.00} my mother deposited into the ATM on XX/XX/2016. For the transfer of the XXXX cents I received another {$35.00} fee. 

My account is now overdrawn by {$71.00}. On top of that the bank charged me another {$10.00} annual fee on my secured credit card, that means my card is now overdrawn by {$11.00} which probably result in another {$35.00} fee on the next day. I was not aware of an annual fee and the bank never informed me before debiting my secured credit card. 

Since I am on XXXX my Social Security payment comes into my account always on the XXXX of each month. With now {$82.00} in minus on both accounts together I am not able to pay my utility bills. It also means that the bank is now reporting an over the limit to the XXXX credit bureaus on my secured credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Bankruptcy was removed from credit report and then reinstated without my knowledge and Equifax did not send me out any notice before attempting to reinstate

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: I was scammed by a predatory HECM loan executed by Wells Fargo on XX/XX/2010. I do not feel comfortable attaching the good faith documents or any other documents relating to the fraudulent predatory loan. I do not trust this agency or any other based on your complete favoritism shown toward Wells Fargo. Also, you say that you 've tried to contact me several times? How difficult is it to call XXXX and either speak to me or leave a message? Or even better, how about e-mail XXXXXXXXXXXX. Your investigation was completely one sided. Same as the job you 're doing with the latest of the Wells Fargo criminal scams. XXXX accounts robbed!! Great job guys

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 08/29/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they do n't have a number to contact them by. Google them and the company is out of business? Can not find anything else on this one please help!!!!! 
Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Payment to acct not credited

Complaint: My name is XXXX XXXX and I have a complaint with Castle Pay Day. I received a loan from Castle Pay Day XX/XX/XXXX which stated I was to borrow {$800.00} and a one time finance charge of {$200.00} which I agree to pay which made the loan a total of {$1000.00}. Castle Pay Day sends out text messages XXXX day in advance to my phone before taking money directly out of my checking account. I start making payments XX/XX/XXXX amount of {$200.00}, next payment XXXX XXXX, {$200.00} XX/XX/XXXX in the amount of {$200.00} and XX/XX/XXXX for {$200.00}. Castle Pay Day know says that I still owe them {$1000.00} because I have not been calling them to verify that the money has been collected. Castle Pay Day did not before I receive the loan mention anything such words as to call before making a payment. Castle Pay Day sends out text messages before taking my money ( " to reply or call if you have questions or wish to modify your pmt amt. For Help reply HELP ) ''. And before they take your money Castle Pay Day sends out text message to inform you they have withdrawn money from my account. I have called Castle Pay Day several times ( XXXX ) to resolve the issue. I only want my money that Castle Pay Day took from my account to apply to the loan that was issued to me. Castle Pay Day says that the money that I already gave them was for finance fee, which I was told it would only be a XXXX of {$200.00} for finance fee. I only work part time ( XXXX hours wk ). Please help me solve this matter. I do not want this on my credit report. In the mean time I have block Castle Pay Day fro taking money from my checking account, but I would like to pay the remainder of what I owe Castle pay Day which should be {$200.00}. Thank You Sincerely XXXX XXXX : XXXX : XXXX XXXX XXXX, XXXX, CA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with Sentry Recovery and Collections, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Didn't receive notice of right to dispute NEVER RECEIVED NOTICE OR LETTER

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 03/13/2018 about Debt collection (Medical debt) with Grant & Weber (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I called Grant and Weber on XX/XX/XXXX to settle 3 bills showin on my credit. I have tried to do this 2 weeks ago and run into the same problem. I call 4 times on XX/XX/XXXX to settle the loan and call once on XX/XX/XXXX. Each time Ive called i got nothing resolved with this company. They are so rude and disrespectful when talking to you like we owe them something or we need to be greatful of them. I asked to settle and was told they will not settle i need to pay every cent. I was then told it was other. Bill that I didnt see and was adivse they didnt know why I couldnt see them and will make sure it goes on my credit. I then adivse the bill shouldve went to the primary card hold holder and not myself and the guy said your child your bill. I then asked for a supervisor and he said i will transfer to Tone his supervisor and then was hug up on. I have never been treated so ad by a company in all my life. They are putting me through mental and emotional stress trying to handle this so i can purchase a home. Im having anxiety attacks when thinking how i was treated. Please help me

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times in the past this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

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 03-06-2017 about Bank account or service (Checking account) with Halsted Financial Services, LLC. (VA).
Issue: Account opening, closing, or management

Complaint: A bank account with XXXX was placed in collections with another collections agency. Told them this was fraudulent and sent copy of police report reflecting that. Today I received a call from XXXX about this same account and told them the same information. They requested copies of the police report. Told her I no longer have and she needed to get the information from the previous collector. Woman said I had 72 hours or submit or collection call would continue and then hung up on me. I called back, spoke to another lady and requested to speak to a supervisor, she went over the same information. Told her I have no intention of addressing the matter any further and wanted to speak to a supervisor. She transferred me and I was told the same thing by another supervisor, told them I was n't sending any information and to cease and desist calling me. She said the collections process would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Credit line increase/decrease

Complaint: It is my opinion that CitiBank is engaging in XXXX discrimination in at least this instance, both in how a compromised XXXX card was handled, the charges for expedited replacement and approving only {$22000.00} of a requested {$25000.00} credit line increase with income identical to my husband, and credit scores either identical or nearly identical to his. His was granted, mine was not. My husband 's card was compromised on XXXX/XXXX/16 and a replacement card was sent next day air at no charge, without him asking. My XXXX was compromised on XXXX/XXXX/16 and I was told I would receive a replacement card in XXXX10 days. When I asked why my husband 's was sent next day air, I was told there would be a {$6.00} charge for expedited delivery. I elevated the call to a supervisor who was to see it would be sent at no additional charge. After contacting CitiBank subsequently about the discriminatory {$6.00} charge and demanding that it be removed as an error and not as a courtesy credit, it ultimately was removed as a courtesy credit. Evidently, CitiBank felt it could properly discriminate by charging this {$6.00} fee and correcting it as a " courtesy '' rather than as an error as requested. I requested a credit line increase on, or about XXXX/XXXX/16. My income is identical to that of my husband and the attached XXXX scores for each of us as of XXXX/XXXX/16 show mine at XXXX and my husband 's at XXXX. The credit scores of XXXX and XXXX for my husband and myself are equal, or essentially equal. Ages are the same, the only significant difference is XXXX. CItiBank has denied any discriminatory action, but can not explain either the difference in how our compromised cards were handled, nor why my credit line increase request was not fully approved, as was my husband 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: APR or interest rate

Complaint: I have been making automated payments for several years. I am being charged an APR of 29.99 %. On numerous occasions I have requested my APR to be lowered. On each and every occasion they have responded that nothing can be done because my account has been closed. This seems unfair as I now have a long string of timely payments and the APR should be reduced to reflect this fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Trouble during payment process

Complaint: I have a mortgage that is serviced by RoundPoint Mortgage Servicing in XXXX, Tx. In XXXX of XXXX, due to health reasons, we filed a Chapter 13 Debtor Reorganization Plan. The Mortgage is paid outside of the plan. At that time, Roundpoint stopped sending us statements, escrow statements, or acknowledgement of payments received. 

I keep getting statements from XXXX XXXX and From FEMA regarding taxes and flood insurance. Roundpoint will not acknowledge the escrow balances and will not say whether they are paying the taxes and Flood Insurance. 

They claim they can not talk to us but our attorney and we authorized them to talk directly to us. Roundpoint now says they never received the authorization even though they told me before they had received it. We have no way of knowing when the payments are received and if they are being applied in a timely manner nor how they are being applied. 

I believe they are out of compliance by not sending us statements and advising us of amounts due. I do not know if they are applying the payments late and accumulating late charges in order to make our mortgage larger. 

Like I said, we signed a document stating that we would not hold them liable for speaking directly to us under the blanket order from the bankruptcy court. Our attorney agreed.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: We resubmitted a complaint because the issue that was previously deleted went back on my credit report. Please delete the judgement off of my credit report once and for all.

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 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: In 2012, we had XXXX and with in the same year we called them to cancel the service. We had way to many problems with the service working correctly and they did not seem to care if it was working or not. The day we called XXXX a representative informed us that we would receive a box so that we could ship back all of the XXXX equipment. We were also informed that we would not owe anything and they would be responsible for the shipping. XXXX turned this account over to a collection agency and then pulled it back and turned it over to a different collection agency. The collection agency representative that I talked with was very rude and telling me that we would be committing criminal charges if we do not pay this debt off in full. I do n't think this is an appropriate way to do business because I would not recommend XXXX to anyone.

Company response to consumer: Closed with explanation