milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was unemployed for three months and asked for a payment reduction so I would not fall behind. The XXXX XXXX/Navient Rep said they would not help me even a little with any sort of reduction in payment. They ENCOURAGED me to file Bankruptcy so I could get rid of my other debt in order to be able to make my full payments to them ( since they know their loan is not dischargeable ). This is a " XXXX '' loan, but apparently not able to be consolidated because it is " XXXX ''. They also made me pay {$150.00} for each XXXX XXXX loan I have with them ( {$450.00} every six months to defer the payments when I XXXX got out of XXXX in 2006 and could not find a job ). All of my other loan companies deferred without payment. My other loans were all able to be consolidated as well. After encouraging me to file bankruptcy, they have called me around XXXX times per day ( even after I would talk to them ), called my mother and father and sister and have been asking everyone where my new job is. It is unbelievable they are allowed to treat people this way- and now they want to harass me at my new job?!? So I can get embarrassed and XXXX after looking for this job for over a XXXX and a XXXX?!? No other loan company does this and everyone else worked with me for the few months I was out of work. I went from perfect credit and XXXX missed payments to the worst credit ever in three months. They made me want to XXXX myself because of the way they treat me- purposely calling me all day so I can not talk on my phone and encouraging me to ruin myself financially so they can get paid more quickly. Going to graduate school with XXXX XXXX loans is the biggest regret of my life. They are called " student loans '' and they reap all the benefits of not being XXXX, but they will not allow me to consolidate them or defer or forebear them?!? All of my other loans are consolidated and the companies do not harass me like Navient/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (Medical debt) with California Business Bureau, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX acct XXXX a collector for XXXX XXXX. 
is attempted to collect a debt that was covered by insurance at time of service. 
the debt is an error on XXXX credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was late several times this year on  my Walmart c ard and my amazon. Both of the accounts are held by synchrony bank. I was charged late fees and my credit report was noted as it should be. But then they reduced my credit limit on both accounts to the amount I owed which put me at 100 % on my credit report my score fell over  XXXX  points. These companies are crooked and underhanded and are ruining my credit. How are they allowed to do 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 10/22/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TX).
Issue: Fraud or scam

Complaint: Not sure what category it falls under, but I am a Rush card holder and has not had access to the remaining money on my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2015 about Credit reporting () with Receivables Management Partners, LLC (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted Berks Credit and Collections and was told I owed {$63.00}. I paid them with my XXXX debit card and provided them with my new address. I then received a letter stating I still owed {$63.00} and the account still remains listed open on my credit report. This is not accurate. The account is paid in full

Company response to consumer: Closed
Consumer complaint received 10-04-2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: ON XXXX/XXXX/XXXX I PUT IN {$5000.00} TO XXXX XXXX BANK OF XXXX XXXX. IT WAS A CD WITH 9.5 % INTEREST PER YEAR. IT WAS CHECKED FOR AUTOMATIC RENEW ON THE MATURITY DATES. CERTIFICATE NUMBER XXXX. HOWEVER, XXXX BANK WAS ACQUIRED BY WELLS FARGO BANK ON XXXX/XXXX/XXXX. I ASKED WELLS FARGO BANK ABOUT MY CD ACCOUNT AND THEY CLAIM THEY HAVE NO RECORD OF MY ACCOUNT. WELLS FARGO BANK TOLD ME TO CONTACT COLORADO.GOVXXXX THEY SAID THEY DID NOT HAVE MY MONEY BUT FOR ME CONTACT FDIC THEY TOLD ME THAT WELLS FARGO IS NOT HAPPY TO SEARCH OLDER STORAGE. I WAS MY THOUGHT THAT MY {$5000.00} CD WAS MAKING A LOT OF MONEY DURING THESE YEARS. BUT I GOT NOTHING BUT A RUN AROUND FROM WELLS FARGO BANK. I NEED YOUR HELP TO GET MY MONEY.

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 02/28/2017 about Credit card () with WELLS FARGO & COMPANY (IN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was a personal assistant to XXXX. XXXX had a checking account with Wells Fargo. He and I went to a Wells Fargo branch and opened a bill payment account attached to his checking account for me to pay bills. At that time, the banker asked if we wanted a credit card attached to this account. XXXX said yes. When the first bill was received, I became aware that the credit card was issued in my name only. XXXX was not on it anywhere. He had charged on the account. Now I do n't work for him and I am stuck with the bill. He has no access to it or does not receive billings. I have tried to straighten this out with Wells Fargo with no luck. They say that I can report XXXX for fraud for charging on my credit card. He did not fraudulently charge on the card. We both thought it was his with me as being able to use it. Not until we received the first bill did we realize what she did. I no longer work for XXXX and I am stuck with this credit card bill that is n't my charge. Wells Fargo opened this account in my name only without my knowledge. They are the ones that committed fraud.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/2017. I request to receive a comprehensive report of all updated verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (MI).
Issue: Managing the loan or lease

Complaint: I totaled one car through Honda Financial and purchased a new car through Honda. I made my first payment for my new car. They mistakenly applied it to the totaled car. They sent me a check for over payment. I called, they stopped payment on the check and told me they would apply a credit to my new car account. It has bee 60 days and they have me a 42 day reporting late status to the credit agencies. They have acknowledged their errors but can not correct the reporting immediately. Thus, I was turned down for a refinance of a home loan because my score was affected by the drop due to their mistake. I have to refi my home immediately. I will have to file bankruptcy very soon because of medical expenses that were not billed correctly to my insurance carrier. This is causing me a hardship and a loss. They are not offering a reasonable solution to their mistake of reporting false information. The inaccuracy is causing me a hardship and the reporting is false.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, 2017 I disputed {$3600.00} for a larger charge to XXXX XXXX on my Citibank Visa account. A letter stating reasons why I was overcharged were provided to Citibank customer service on XXXX XXXX. A request for details of the amount were requested and within a day a complete breakdown of the overcharges were given. On XXXX XXXX, 2017 and over 90 days and over three billing periods later the bank decided to charge back the {$3600.00} previously credited. My issue is that the bank exceeded the time allowed to resolve my billing dispute in accordance with FTC requirements. I am asking for the return of the charge as the bank did not fulfill its statutory obligation.

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 11-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: After I cancelled my loan Navient sent another XXXX XXXX dollars to XXXX XXXX XXXX XXXX XXXX XXXX XXXX They will not remove this from my loan even though it was their error. I never attended this school.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: got first modification XX/XX/XXXX, paid all payments on time. down payment was XXXX.
and three trail payments. had to prove by copies of canceled checks. stole third trail payment to apply to bogus XXXX. down payment, I said what? not part of my modification show where, what, partial answer its a down payment, I said show me where that XXXX. down payment came from as it was not part of my modification, never got an answer, they are to answer in 20 days, 6 years not resolved.
2nd modification no interest rate, no dollar figure paid by wire 11 payments, returned 11th payment.by taking third trail payment and applying to who knows where, to a fraudulent down payment, making all further payments 30 plus days late, before I even knew about XXXX. fraudulent down payment. I only found out I was late as I tried to do automatic payments online and was declined due to being late on payments, never late! Since they made all the mistakes, I should not be penilized. I want them to honor my first mortgage modification as most of the paperwork they sent re : Senator XXXX XXXX office, XXXX, 2017 said they can not help individuals, just the people, I 'm one of the people.
XXXX XXXX, Ocwen Loan Servicing llc, if their was any oversight this issue would have been taken care of 6 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Disputed account and they have not removed it

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 08/23/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello, Thank you in advance for your time. Navient is the only debt collector calling about my private loans that I defaulted on. They call my father ( co-signer ), mother, grandparents, and XXXX aunts repeatedly. These calls are all going to their home phone. I asked Navient to stop calling. Navient calls my family from XXXX. Navient calls me from other numbers like XXXX. Can you make them stop? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: On Thursday XXXX XXXX I entered a Chase branch @ XXXX XXXX XXXX New York, XXXX XXXX to make a withdraw from my checking account due a an employer account issue that impeded with a direct deposit not been issued at that date.At which time XXXX checked his terminal and stated that I would qualify for a credit card offer I did stated to him that I had a bankruptcy case XX/XX/XXXX. He still proceded to go ahead with the application. He got the result of my application and stated that I will get a letter in 7-10 days.i received the letter XX/XX/XXXX account declined credit due to Bankurupcy in credit report.THIS IS THE THIRD TIME IN AS MANY YEARS I FELL FOR CHASE HIGH PITCH SELLS TACTICS. I been a Chase Direct deposit ( payroll ) for well over five years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was being called non stop about my medical bill that XXXX XXXX has sent to tsi. I never received a bill until XXXX the XXXX. I paid for the bill on XXXX the XXXX and asked to receive a recipet but still never have I called today as well and got no answer its been a month I 'm very upset and feel this is a scam only.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: BB & T is playing a very sneaky game with overdraft fees. I am being told I over XXXX my account on Sunday but my account still showed a positive balance on Monday of over {$100.00} so I spent money. Since BB & T uses a running balance if I spent the money it should not be visible to me anymore. They have confirmed this numerous times. The moment I knew I over drew my account, Tuesday when they emailed me, I deposited enough to cover everything plus {$50.00}. The overdraft fees continue for now XXXX more days. BB & T claims it 's because the overdraft fees were applied on Monday not Tuesday. But I was not notified of that and it was n't even visible to me. So basically there is no way for me to stop dozens of overdraft fees even if I deposit money since they are applying the fees the day before the charges clear. I have emails verifying the transfer of money and the overdraft fees being applied including exact times.

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 01/30/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I originally submitted a complaint against Equifax Credit Reporting Agency as I could not get my annual credit report for the past 4 yrs. After filing the complaint with you, Equifax mailed me my credit report at my address on XXXX XXXX XXXX in XXXX, NV. on XXXX XXXX, 2016. My first name was spelled wrong, it 's XXXX not XXXX and, more important, my birth date was wrong, it is XX/XX/XXXX NOT XX/XX/XXXX. I called and told them this and they gave me a fax no : XXXX and told me to give the following information on the cover sheet : name, social security, email address and phone no. I then faxed over a copy of my birth certificate and a copy of my social security no. XX/XX/XXXX, with a request to mail me a corrected credit report ( for free ) to insure the corrections were made. I have the receipts. Then I received a letter today, dated XX/XX/XXXX that stated the information I gave them did not match the information they currently have on file. Well, that 's pretty obvious.THIS IS BECAUSE THEY ( not me ) HAVE THE WRONG INFORMATION. The letter states I MUST submit the following : birth certificate ( I did ), XXXX ( I am retired ), pay stubs ( I receive soc. sec., I 'm retired ) and copy of my social sec. card ( I did ) It also states I must submit a copy of my driver 's license, rental agreement, utility bills etc. to verify my address. My address IS ON MY CREDIT REPORT AND I HAVE RECEIVED ALL OF THEIR MAIL AT THIS ADDRESS at XXXX XXXX XXXX, XXXX, Nv XXXX. Why do I need to verify this??????? I called their customer service no. today and was shocked. They told me that they did n't know what fax no. the XXXX belonged to and gave me a new fax no. of XXXX/Dispute Depart. and in the letter it says I have to pay for the credit report. I have no idea where all my private information has gone. They should not be allowed to function as a credit reporting agency. I would like you to fine them so much money that they might become a better company and certainly more organized. They are handling people 's lives. Your credit affects everything. If they are so concerned about protecting your credit then they should get this under control ... who knows who has all my personal information? Please make them correct my credit report and issue me a free one reflecting those corrections. The information with the other XXXX credit reporting agencies are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Enhanced Recovery has reported to the CRA that I owe a debt to XXXX that was the resault of Identy theft. I reach out to them XXXX time and then went directly to the orginal creditor ... Spoke with XXXX XXXX at XXXX who has confirmed the account is cleared and has let the collection agency know that this account has been clear and any negative information should be removed from my bearus within XXXX to XXXX hours which at this point it has not been removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Weltman , Weinberg & Reis collections. They have been calling my parents house everyday since last week. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Medical debt) with Maury Cobb, Attorney at Law, LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Repeated phone calls and when those calls are returned, there is no answer and the mailbox is full. This debt had been cleared previously and it is showing on my credit report as in collections which is damaging my credit. Have sent an email and tried to reach out by phone numerous times. Unsatisfactory business practice and is far from how a legitimate attorney or collection agency works. As the debt concerned a XXXX medical spending account issue and has been resolved, my credit report should be cleared. Not the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: 1. Lender has grossly mismanaged escrow account. Home was sold in a tax sale on XXXX occasions with most recent tax sale XXXX XXXX, XXXX whereas I had to pay the attorney fee of {$860.00} so that the lender could be permitted to pay the Maryland XXXX XXXX taxes which can not be paid until the attorney fee is paid which is why I paid the {$860.00}. 
2. Lender since XXXX, has failed to provide any yearly accounting for escrow account/disbursements nor has the lender provided monthly statements. 
3. Lender has failed to accurately provide XXXX statements reflecting correct interest paid during a particular year. 
4. Lender has failed to reflect accurate mortgage balances because I receive no monthly statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Advertising and marketing

Complaint: I received an email from Discover stating " We 're writing to let you know that your XXXX Pay purchase on XXXX XXXX, 2015 for {$1200.00} at XXXX XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion... if you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. '' My purchase did not contain a gift card, and no one where did Discover 's Terms and Conditions disclose Discover would ask for documentation of what was purchased. This puts an unnecessary and unreasonable burden on me as a consumer to provide proof against an accusation Discover is making while having zero grounds for making said accusation. What would happen if I did not keep my receipts from more than 3 weeks ago? Should I be keeping my receipts for all of my purchases made with my Discover card? It would be nice to know beforehand and not after the fact. To summarize, Discover is not abiding by their Terms and Conditions by making unfounded accusation and placing the unjustified burden on the consumer. I 'm extremely disappointed with Discover 's lack of integrity and transparency. I have a strong relationship with, and have never encountered such issues with XXXX, XXXX, XXXX XXXX, or XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief