milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a variety of Federal & Private loans for myself & also Parent-Plus loans for my son. ( my ex-husband refused to co-sign or help ). These loan balances now exceed {$80000.00}. I am XXXX years old & this loan balance exceeds my annual income. Navient is the current loan servicer for ALL loans. I went back to school " online '' to finish my degree when I was XXXX & my children were graduating high school, which I never had time to do, working full time & raising my family. Like a mortgage loan ( & these are often just as much & certainly more risky ) these loans did NOT qualify me to be actually able to repay them. How can these loans be given so freely, when the repayment is worse than federal taxes?! The money is given too easily. I was not then & certainly not now qualified or able to repay all of this debt. The Federal government should reduce the interest to zero & cut balances in half to prevent a certain national financial crisis, which will be just as bad as the XX/XX/XXXX mortgage catastrophe. I graduated in XX/XX/XXXX, right before the " crash ''. I was unemployed for two years & then finally took a salary of $ XXXX in XX/XX/XXXX. By then, I had used my savings & took withdrawals from my IRA to pay bills & student loans. the 401K should have a loophole to remove penalty & taxes if used to pay these loans down. The Government has far too many restrictions. I had to have deferments & interest only payments resulting in ever increasing principal balances & higher future monthly payments. Since then, now ALL Of my savings are gone, my IRA is further depleted. My loans are all on forbearance yet again. My future is bleak. As a consumer & provider for my family & myself my retirement will be non-existent & future is so very restricted. These repayments are ALL wrong. The parent-plus loans should be REMOVED from my social security #. This is NOT right. There should be an age limit, when ALL loans are to be forgiven such as 60 years of age to allow recovery. THE US GOVERNMENT wastes money on frivolous travel, expenses & overseas projects. These loans should NOT be a source of revenue. They are damaging lives & the economic stability of the Country. The so-called repayment plans are worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX, I checked my credit report and saw that XXXX XXXX XXXX was reporting that I owed XXXX {$200.00}. I contacted them by mail to validate the debt. They did not provide legitimate proof all that was provided was a final bill statement. I contacted CCS and asked the customer service rep how the debt was validated - she stated by name and address. 

I paid my final bill for XXXX when I switched over to XXXX on XX/XX/XXXX after my renewal premium with XXXX went it up. The only notice I got from them was for a renewal amount and that was to be paid if I chose to renew my policy with them. That amount was {$550.00} I joined XXXX on XX/XX/XXXX. 

So, I 'm at a lost as to how I owe XXXX/XXXX XXXX XXXX XXXX I did my part by contacting XXXX and letting them know that I wo n't be continuing service with them. If something was lost in translation during that time that 's not my fault as XXXX was the one who dropped the ball. 

I have statements for all my payments to XXXX and I 'm asking for full validation, because its been two years and XX/XX/XXXX was the first I 'm hearing that I owe anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Sentry Credit, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not aware I owed this debt through this collector. I got my credit file this year and saw this. I have not received any communication AT ALL. To top it off the collections " compliance '' manager was completely rude. I do not wish to have them collect me and would rather go to creditor for any imformation.

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 08/21/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have previously reported, XXXX had agreed to remove the inquiries on my report, XXXX has been removed the other remains. The XXXX court record was paid in full, paid medical bills should be be removed. The XXXX account is reporting open, this was closed last year. I never had a loan with XXXX that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit card protection / Debt protection

Complaint: I recently submitted a complaint about my Macy 's account, regarding the Service Member Civil Relief Act being applied to my account. Some ajustments were made, however that is not the full amount that was owed to me. I joined the XXXX in XXXX of XXXX XXXX, went to the XXXX until XXXX XXXX. From XXXX XXXX to present, I 've been on XXXX. It 's XXXX years and a XXXX. I only received {$2000.00}. In XXXX, my fees were {$95.00} and interest {$410.00}. This year so far, my interest is {$180.00}. So its no way possible that the refunded amount that I received, covered fees, and interest for a XXXX year period. I do pay my account on time and just need Macy 's to fix this problem. It 's been six months, and I 'm still getting the run around ; why is this minor problem being such a hard fix for a mega store. My previous complaint number : XXXX. 

Thanks. 
XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Struggling to pay mortgage

Complaint: On  XX/XX/XXXX  Bank of America, N.A., sent me a letter stating, after being offered a Trial Period Plan or modification, you notified us that you did n't wish to accept or complete the offer. Absolutely, because Bank of America, N.A., and   XXXX   XXXX   attempted to persuade me into signing 40 more years on to a condominium that is severely underwater, costing me over {$120000.00} onto an existing mortgage. Not limited to overcharging me more than what the State of Illinois require for the escrow of taxes. I have requested in writing for Bank of American, N.A. to stop inquiring concerning my credit worthiness. Bank of America, N.A., in not in compliance with the fair credit reporting act and has thus far violated my fair credit rights according to the FCRA. Bank of America, N.A., was discharged in bankruptcy in  XXXX . Bank of America, has pulled over   XXXX   XXXX   inquiries concerning my credit history. After I repeatedly stating verbally and in writing I was not interested in the   XXXX   XXXX   Standard Modification Program Trial Period Plan. Yet I continue to be harassed by Bank of America, N.A., employees. This is against the FCRA and needs to thoroughly investigated.   XXXX   XXXX    Home Loan Team of Bank of America, N.A. is the latest employee who inquired about my credit. I made it perfectly clear, to Bank of America, N.A, to stop looking into my credit. I never applied for a loan or a refinance with Bank of America. I made a decision that I was not going to work with Bank of America, sent this in writing in  XXXX  and in  XX/XX/XXXX . I continue to be harassed by Bank of America, N.A., Bank of America, N.A., continues to violate the FCRA and credit worthiness by continuing to inquiry about my credit worthiness. After making my decision to work with Bank of America, N.A. and to remove their inquiries. My request have been ignored and Bank of America, N.A., continues to harass me by consistently pulling inquiries. Please investigate this matter thoroughly

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 07/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Roughly XXXX years ago I held accounts with Bank of America. After having recurring issues with the account, the account was closed and eventually charged off. I paid BOA all monies owed XXXX {$170.00} XXXX, and have obtained receipt of payment. I recently went to open a bank account at another institution, and everywhere I go I am told that I am unable to open a new account of any kind due to a BANK OF AMERICA account that was satisfied. When I went to BOA to enquire about this, they said informed me that it was nothing they could do, and that this matter is in the hands of XXXX. After contacting XXXX, I was told that BOA reported me for suspected fraud. I later learned that XXXX is an entity jointly owned by BOA and other major banks. I have never been fraudulent in my dealings with my accounts, and was never notified of such suspicion or allegation from Bank of America. It is my understanding that bank records remain on XXXX for up to XXXX years ; however, with this XXXX situation it appears I can be restricted from opening bank accounts for another XXXX YEARS?! After repeated conversations with Bank of America, as well as having PAID IN FULL the debt owed, it appears I am being blacklisted from banking elsewhere, even though I OWE NOTHING to them. I AM BEYOND FRUSTRATION!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Debt collection (Medical debt) with Optima Recovery Services LLC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid the XXXX service long time ago by insurance company, but still showed up in collection on XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I need to file a complaint against Bank of America. On XX/XX/XXXX I deposited {$500.00} into my account with my debit card. I got a receipt from the atm showing the transaction. Later that day I wasn't able to access my money. I called them to see what was going on. I was told by a customer service representative that my account was closed on the XX/XX/XXXX. If my account was closed how was I able to deposit the money? I didn't receive any notifications/emails/letters etc saying that the account was being closed. I've filed a claim but have been getting the run around. I went to the location where I used the atm and they were no help. When I call the number they all tell me different things. I spoke to a manager in the claims department and he 1st told me that the claim was denied! He put me on hold and then came back and said they will be sending me a check. I didn't deposit a check, I deposited {$500.00} of my hard earned money. I want my money back!!! How is this even possible that they can take my money and act like it's no big deal?? This is an error on Bank of America 's part because they didn't communicate with me, they closed my account and they let me use a debit card that shouldn't have worked if my account was closed!! I just need MY money back and not when they feel like it. This is stressing me out and I need to get this resolved now.

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 07-04-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have previously filed a complaint about this company Santander Consumer USA inc. The case id for my previous complaint is ( XXXX ) Santander restored my account to an active account and immediately placed in the collections department and demanding the back payments for months of dispute of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was not made active until approximately XX/XX/XXXX. They are attempting to make it appear as I have just not made any payments for no reason other than just not paying them. I am seeking that my account be listed as active and current and to begin making payments again as scheduled once the dispute is resolved. I believe it is unfair for Santander to unwrap my loan then reactivate it and place it in collections as being three ( 3 ) months behind when thy cause the problem to begin with. I want my payments to restart on XX/XX/XXXX without any additional interest or back loading of the loan. I made the first six ( 6 )  payments without fail. I want to resume with the seventh ( 7th ) payment and not have to pay Seventh ( 7th ) thru Tenth ( 10th ) all at once. Every bit of this situation could have been avoided had Santander informed me at any time during the first six months of my account. I firmly believe that Santander consumer USA inc. is a predatory lender preying upon person at a disadvantage. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with U.S. BANCORP (MO).
Issue: Problem when making payments

Complaint: My monthly payment has been  1  percent since the loan started, over  XXXX  years ago, they stop my billing statements for about   XXXX    months, then i got a statement   XXXX   XXXX   XXXX   my balance is  XXXX  instead of my normal payment of  XXXX , they raised it to  XXXX  When i called  XXXX  guy said my interest rate changed, he lied.Another guy said they made a mistake on the loan and i owe more and a adjustment was made, they kept making up excuses.  XXXX   XXXX  recently purchased another loan I have, they started over billing me also  US  bank and  XXXX  loan are the same companies.

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 02-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Customer service / Customer relations

Complaint: I have contacted American Express several times to get my promised promotional apr applied to my account as agreed in the recorded call. After I spend money and charge items to my account, I get a billing statement showing the normal APR. I contacted Amex to see why the promo apr of 0 % for 12 months was not showing as it was effective XXXX/XXXX/15. The customer service rep said there are no such offers and told me I was mistaken. I escalated to a supervisor who told me the same thing. She offered me a rate of 18 % - however I declined and said no. I wanted the promotional offer as accepted. The supervisor changed my apr to 18 % without my consent. I escalated to the next level, who told me she would review the call and call me back in 48hrs. Her name was XXXX in XXXX XXXX, XXXX. She never called me back. I called and had to have someone else put a request in to review the call as she never did it. I made several calls back to Amex. I requested to speak to a US rep multiple times and was denied that request and was transferred back to foreign call centers and even the IVR. After 5 hours of phone calls my issue was halfway resolved. I faxed in a complaint XX/XX/XXXX and have never heard back. I also called back XXXX additional times to speak to a manager and was denied that request. I was informed I would receive a call back in 24-48hrs. The calls never came. 3 times I was promised a call back and a manager never called. I need to speak to a manager to help me resolve my concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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 submitted a dispute for a collection account on my record XXXX XXXX XXXX that continues to remain on my credit report in collections and affecting my credit score. I filed bankruptcy XX/XX/17 and this account was listed duplicately on my report and Experian deleted one of the accounts after my dispute but did not the other duplicate account from the same company and it should have been deleted as well. I am attaching a copy of a screenshot of my bankruptcy petition that lists the company twice on my petition.

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 03-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had submitted a dispute regarding a Medical Collection item with Equifax regarding XXXX XXXX XXXX on XXXX XXXX, XXXX, control number XXXX. This was item under dispute was last reported on XXXX XXXX, XXXX in the amount of {$250.00}. 

It was brought to my attention today by credit monitoring that an additional collection item was added to my credit report by Equifax , XXXX XXXX XXXX - reported XXXX XXXX, XXXX, in the amount of {$250.00}. 

This XXXX item is a duplicate of one currently under investigation as noted in the first paragraph. I called Equifax today at XXXX CST to dispute the XXXX item as a duplicate. 

I believe the intent of the data furnisher is not to respond to the original dispute dated XXXX XXXX, XXXX and allow Equifax to delete the item from the credit report. Then, add a new collection item. Thus, violating the spirit and intent of FCRA. 

During my call with Equifax , agent name XXXX, I asked if Equifax had controls in place to monitor data furnishers and the data provided when a dispute is under investigation. In addition, I asked if Equifax had controls in place to monitor data furnishers reporting duplicate tradelines. Her answer was no. There are no controls in place to monitor data furnisher activity to identify abuse or reporting of duplicate tradelines. 

When told that I wanted to submit a complaint regarding Equifax practices over the phone, she refused to accept my complaint and advised that the complaint must be submitted in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Application, originator, mortgage broker

Complaint: To whom it may concern, I was looking over my parents mortgage papers, and noticed that when they bought there house they first time buyers and the mortgage company they went to was XXXX XXXX, there house was priced at {$87000.00} with a down payment of {$3200.00} which leaves them financing {$83000.00} at a 9.347 % interest rate on the loan, looking over the papers, I discovered that they charged them a finance charge of {$160000.00} which is more than the asking price, the total loan ended up coming out to be {$240000.00}, which is almost more then double the price something is n't right here, and something needs to be done about this, they bought there home back in 1996 and still paying off this huge loan when really the house should be paid off, the real loan total should have been {$91000.00}, also in the matter they had a lawyer present through all of this, but looking through the papers his signature is no where to be found on any of the documents, My father would like a reduction on his left over balance of what he owes because this company fraudulently took advantage of them and something needs to be done, the reason we were looking through the papers was my Dad had to refinance through HARP at the time he had a 30 years fixed rate, but he thought he could do better through a HARP refinance. which he found out not to be the case, he thought he was getting a 30 year fixed modification at his age of XXXX years old, that would have been appropriate, the modification was done through XXXX XXXX, they had a program called the XXXX step which part of the loan was at 2.5 % interest and the remainder portion was at 3.0 % interest, but it turned out that was n't the case, he thought the HARP program was going to help but he came to find out that they gave him a 40 year mortgage instead they broke it down to XXXX different percentage pay scales, his intent of getting the modification was to get a 30 year fixed. he did n't want his mortgage to go up, he wanted it lowered because of his age, so he basically went from the fringing pan to the fire by getting his loan modified, being a trusted soul I thought that everyone would do right by him, because of the modification he will not be able to afford it when they do the next bump up on the interest rate, bottom line is that HARP does not help it hurts and needs to be fixed, the total mortgage process has be traded him, That we are seeking justice for all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: I received notification from Equifax that there was a security breach and that my information - including my social security number, date of birth, and contact info was potentially exposed. Equifax has been completely unresponsive in helping me deal with this matter. Here are the steps I have tried to take to find out more information : 1 ) they stated they would enroll me in TrustedID product to monitor my credit to see if there are any breaches ; the problem is that the enrollment email they sent indicates that I am already enrolled ( i have not ) and provides a dead link / a website that does n't load. 

2 ) I have tried contact the Equifax call center to resolve this and they have no one who can assist me. After a long period of time waiting for a response, I was provided another number that I can not seem to get ahold of someone who can help me ( I have been put on hold with no response for a week now ). 

Equifax is completely unresponsive to me at this time ; they have not been able to provide any information about the security breach, how I am actually affected, or even provide the security service they said they would in order to make sure I am not further victimized. I have had no luck in working with them - they are completely unresponsive in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with NRA Group, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I loged into XXXX XXXX and it says i have {$130.00} in colections from XX/XX/2012. I should not owe anything and dont know why its saying i owe money. Please help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief