milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Back in XX/XX/XXXX I was informed that my payments for my loan would increase from $ 25 month to {$140.00} a month because I graduated from college. I understood because my deferment process was over, I knew with my income that I could not afford to pay {$140.00}, so I asked for possible repayment options but because my co-signer makes more than enough money to pay the loan I did not qualify for any lower repayment options. So I then asked to do a co-signer release and my co-signer and i was told that we had to make 6 months of on time payments and my co-signer could be released and this was in XX/XX/XXXX. So we paid 6 month on time payments as needed and when I called back to do the co-signer release in it was a different story, I was told that I could not remove her because she log in to the account and help pay the payments of the XXXX which I myself could not afford which was already explained back in XXXX when they ran my Financial report. In XXXX when I asked about the co-signer release they said nothing about how the payments had to be paid they just stated that I needed 6 months of on time payments. So now I am struggle to pay the XXXX and I get a statement explaining that my payment has increased yet again and I am still unable to get any help paying off this loan. Then I call in XX/XX/XXXX and once again ask for help with repaying this loan and the rep says that if I sign up for automatic debits then I can save 0.025 % on my loan which will bring it down to the XXXX but if the market interest increase then my balance will increase as well and they will take more out of my account. Which I do not understand because I would only be authorizing Navient to take out XXXX not any more than that. Also on this call I asked if I was set up with a variable interest loan why were my interset payments only XXXX from XXXX because if my interest was supposed to be a variable interest it should have always been one. I am a single mother and I have {$70000.00} in student loans not including this one and as well as other monthly bills, I have been paying XXXX XXXX Navient for XXXX almost XXXX years and I still havent reached my principal amount and if the interest steady increases how will I ever reach it?

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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 several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.

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 01/22/2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I purchased a reporting service many years ago from Experian and have been charged $ XXXX/month. About a year after I purchased the account ( # XXXX ), my password either expired or was forgotten and I requested to update it. I was unable to do so online as Experian had the incorrect information associated with the account ( name, SS #, address, and/or Mother 's Maiden name ) and I was directed to their service line. I called repeatedly and was promised that they would send me a temporary password, but they refused to ever actually do so. After repeated such attempts i complained and was told that they had been sending emails which were blocked by XXXX. In the interim I continued to receive monthly advertising emails from Experian to the identical email account. I contacted XXXX, who had ( 1 ) never been informed of such a problem by Experian, and ( 2 ) also could not comprehend why some emails would successfully go through but others would not. I forwarded an example of such an email back to Experian, but when I spoke to a Supervisor, who refused to read that email. In the meantime they continue to charge my Credit card for services that they are blocking.

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 01/31/2018 about Credit card or prepaid card (General-purpose prepaid card) with DISCOVER BANK (KY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I paid to XXXX XXXX, XXXX. {$3300.00} I was not provided the services as described to me I received a cold call from XXXX XXXX in XX/XX/2017, from XXXX XXXX, he was offering me a way that I could make my business flow better and more profitable by connecting my business with millions of potential clients. As of today, I have had no contacts they said I would receive to my website and have not sold a single thing, he promised it would be a guaranteed fail proof way to increase my business. I informed that I was not at all pleased with the progress being made by their marketing team. And how dissatisfied I was with their services, it was all very basic in nature I have been very confused by their marketing skills. 

They misrepresented themselves and the marketing they were offering was less than acceptable, in my opinion, if a business receives less than a dollar back for every dollar invested in marketing, then the marketing team, should prepare to come under scrutiny. 

I would like your assistance in getting my money back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is charging me late payment fees monthly for a past due balance that was paid through my bankruptcy. Thus, each month, during the bankruptcy while I was making my on time payments through the trustee, they were applying the payment to the previous month. My bankruptcy was discharge in XXXX XXXX with all of my account current. However, Ocwen is claiming that my account when they received in XXXX XXXX was still past due. Thus, each month, during the bankruptcy and now, while I was making my on time payments they were applying the payment to the previous month. Ocwen is currently reporting me to the credit agencies as delinquent when it is not. I make on time monthly payments each month. 

I have tried to resolve this several time and have requested payment history 3 times. Ocwen has not sent me this information. My last attempt was today XXXX XXXX, XXXX when I spoke with XXXX repersenative id # XXXX. I have also tried to create an account on their online page so that I could access my payment history but I can not get access to my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I have requested that Ocwen ( Mortgage Company ) stop calling me at my Job. I gave them my cell and home phone number but they continue to call my job. I work at a help desk with XXXX other individuals and all have answered the phone and knows who they are. My boss has answered the phone in the past and also asked them not to call the work number again. Every morning I still get two ( 2 ) phone calls. I do not mind them calling mine or my wife 's cell or my home phone but they really need to stop calling my job. Is there anything that can be done to stop them from calling my work place?

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I paid all 36 of my monthly payments and turned my leased   XXXX   XXXX   XXXX   in prior to the maturity date. It was under mileage and in show room condition. There were no dents, no scratches, no stains ... ..nothing!! We brought the car back to the dealership where we leased it (   XXXX   XXXX   in  XXXX , NY ). No one said a word about its condition or did any sort of inspection while we were there. Several months later I received a bill for {$630.00} from Hyundai Motor Finance. I knew that there would be a " disposition fee '' of {$400.00}. However, the breakdown on the bill was so convoluted that it was impossible to determine what the additional charges were for. After speaking with a representative (   XXXX   ) today from Hyundai Motor Finance I was informed that there was damage to the front right bumper. There were NO damages when we turned it in, and since the " inspection '' was done outside our presence I can only assume that IF they found damage, it happened after we turned the car in. They claim to have photos, but I have to assume that they are not photos of the car I turned in. I contend that these charges are bogus and Hyundai 's way of making money from consumers. I am refusing to pay for damages that were not there, and I do n't trust that this company might have 'manufactured ' this to collect a few extra bucks. I will pay the 'disposition fee ', but I am not paying for damages that were not there.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I completed my IBR paper work over XXXX XXXX XXXX XXXX months ago. XXXX XXXX aka Navient states that they received everything but they are refusing to update my status on IBR. XXXX XXXX is failing its duty to the XXXX and the XXXX as the loan servicer. XXXX XXXX is dragging its feet to push me into default, so that XXXX XXXX can collect 130 % on the loan instead of 100 % of the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/XXXX received a call from XXXX stating that I owed Capitol One {$1200.00} and change ;. This debt is past the statute of limitations. Person stated they would file a XXXX against me. I am XXXX so I file no taxes. Not certain how this would work. The company identified is XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, my credit report added a collections account for {$100.00} by Stellar Recovery, listing the open date as XXXX XXXX by XXXX XXXX as the original debtor. 

I immediately contacted this company because I have n't had a XXXX account for nearly 3 years. This company is verbally abusive. When I inquired as to what this was for they provided inaccurate information. They advised me this was a prorated balance that was placed on my account as a result of me canceling my services to early. 

When I asked for proof they said they emailed it to me on XXXX and XXXX. I advised that I never received an email or any other documentation. They did not care and demanded I pay the amount. 

I agreed and asked how soon would it take for it to be removed from my credit report. The representative, XXXX XXXX XXXX said it would never be removed from my credit report. 

I have contacted XXXX XXXX. It is confirmed there was a mistake on the cancelation date and that the rep who terminated my services did not put my forwarding address in the account or make any notes like they should have. The balance stated as owed is inaccurate and I have never been provided an opportunity to correct this or pay any amount owed prior to it being placed and adversely effecting my credit report/rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Back in XXXX 2017 I decided to try and get into a payment plan to pay a certain amount of principle on top of interest. My loan servicer is Nelnet. I really had n't made any payments to this point but I have a good job now and wanted to start paying it down with the hopes of one day not owing. Nelnet at the time told me that I was in a " Income based repayment plan '' but I owed so much in back interest that I had to pay that off first which amounted to roughly around {$15000.00} on top of my regular principle and interest payment. So they stuck me in another IBRP but the interest was not rolled in and my payment did n't pay off any of the principle I just would have to pay and keep re-certifying with the hope that after 25 years my loan would be forgiven and that on top of that interest {$14.00} was accruing per day compounded daily. So I really had no hope of ever paying anything off. But I then found out I could capitalize the interest accrued and the principle combining it into one sum that the principle and interest payment at 6.375 % would only be {$30.00} more a month. I asked why this was n't mentioned to me earlier but I said OK combine them and I would like one P & I payment to commence immediately. The individual did that but instructed me that I had to go into forbearance for 60 days that it was required by law. So I said OK and my first payment showed due XX/XX/XXXX back in XXXX 2017. So when I went to schedule my first payment they showed I was backlogged another {$1400.00} in interest which was also accruing {$14.00} per day compounded daily. So with waiting to pay i 'm further down the rabbit hole AGAIN with interest before I can pay principle. The whole purpose was to have a payment that included principle and interest and I was willing to pay extra to pay it off earlier and I feel I was mislead on this immensely. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Credit decision / Underwriting

Complaint: My wife and I are in the process of getting a home equity loan from XXXX XXXX Mortgage and they requested that we get an ARM statement from CitiFinancial loan # XXXX explain what our interest would be after XXXX/XXXX/2020 because it was not stated on our statement. They also wanted to know why we had past due payment on our account. So, when I contacted CitiFinancial to request the information they told me that the past due payment we due to late payment ; which were suppose to have been forgiven. They said that they need 7 days to check into it and it 's been 14 working day as of today. As for the ARM statement they said that they received my account from XXXX and they did not know, but could give me an rate of 5 %. That is what it is currently. I asked if they could email or mail me that information in writing and they told me they do not submit it in writing. I have been told that a XXXX XXXX and XXXX XXXX are the working on case, but when reaching out to them I get no response

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, I received a phone call from SLS who is servicing my mortgage. They called to inform me that I had not made the XXXX payment. After consulting with my wife, we realized that we had not gone online to make the payment as we normally do. For the first time in 13 years, we missed it. So, I told them I wanted to get caught up and could give them payment information over the phone. She took it and then offered to set me up on EFT. I agreed and gave the corresponding account numbers. After I provided all the information, she told me the account would be up to date within 24-48 hrs and then on EFT going forward. On approx. XXXX XXXX, I received a notice from SLS that my mortgage was going into default and I called them immediately. I was then told that my account was not set up on EFT and they had mailed a notice to me in XXXX. I never received a notice in XXXX and assumed my account was functioning as we had set it up. First, I told them to take two payments and get my account up to date. They agreed to waive the late fees, but I was still not happy that they had removed my account from EFT after we had set it up. They told me there was n't enough time to get it set up for the XXXX payment, but that they sent me notification in regards to that payment. Again, I never received anything in the mail to this effect and was not happy they did n't bother to call. They called me in XXXX when it was late, why did they let it go for nearly two months and not call me again? Why did they rely on the mail when this is such a serious matter? The representative kept telling me they did their part by mailing the notice and I told them it was irrelevant because I never received it. I was also concerned they were going to ding my credit so I asked about that. They told me it would be reported so I requested to speak to a manager. As far as I 'm concerned it was their fault the payment was late and since I would expect to call when a payment is missing as they did in XXXX, they should have done it again in XXXX, especially after telling me I 'm set up on EFT. She said their was nothing they could do about it and it was not their fault. I take great care in watching my credit and this is completely unacceptable to me. I did nothing wrong and they have inconsistently applied their follow up procedures. To my surprise on XXXX XXXX, I received a letter in the mail stating that my account had been removed from EFT. XXXX XXXX!!! Nearly two months after they said they mailed it. I want the credit ding rescinded from my account or I would like to know what my legal options are. I have already moved my account to another mortgage company, but this remains unacceptable.

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 03/26/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for a XXXX XXXX via XXXX XXXX over one month ago. I have called spoke with XXXX XXXX, she would not tell me what the extra {$300.00} fee was, then I went to the store on Saturday because I wanted to know what the charges were for and the customer service told me they could not help me that I needed to call XXXX, so its like a XXXX nobody would help me ( I knew of my balance because when you call the XXXX number above, they tell you the balance up front, but after that nothing ). so weeks went by and I never got my credit card, never received a statement. Yet sometime in the near future I have a bill that is due, so after continuing to call they admitted they sent my card to the wrong address ( weird because they delivered the bed to my house )! finally today I was able to make sure they fixed my address but NOT I HAVE TO WAIT 7 TO 14 DAYS FOR A STATEMENT!!! My credit will be affected because I have no idea what is due nor when it is due. I still don't ' know what the additional charges are, literally the bed I bought was only {$990.00} but I owe apparently {$1300.00}. I did order a table and headboards, but the back order was so bad, they I finally got annoyed and cancelled those two items. I only have 30 days to return stuff or you get charged allot for restock fees, so I feel like NOW I AM TOO LATE TO RETURN THE BED AND NEVER HAD A CHANCE TO REVIEW WHAT THE CHARGES ARE ON MY CREIDT CARD!!! 1 1/2 months later I still have no idea what is going on with my account or why they charged me extra. Its unfair and I want this resolved

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 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with State Collection Service, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. 2 months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. 

I would also like to add, throughout the last 10 years these creditors have continuously reported to the credit bureau 's for citations that have been paid. When asked why it had even reached a collection agency being the citations were paid on-time, the response was " because you did n't pay a {$5.00} fee along with the citation. '' This includes XXXX XXXX XXXX XXXX XXXX. 

This has been going on with the state of Wisconsin for MANY years now. I ca n't help but feel that I have been treated unfairly by the state as well as their creditors. These traffic citations has not only hurt my driving record, my credit report as well as my occupations. At what point is this punishment enough? These citations have dramatically impacted the quality of my life ... .. A TRAFFIC CITATION. 

My credit score dropped XXXX points from this most recent attack. I really had high hopes in creating a better financial profile for myself being I 'm going into accounting.

Company response to consumer: Closed with explanation