milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XX/XX/XXXX I received a federal guaranteed student loan from XXXX to attend XXXX University. After in XX/XX/XXXX I graduated with {$32000.00} in debt at 9 % interest. Payed the payments on time until XX/XX/XXXX. When my wife and I consolidated our loans into a XXXX smart loan for {$39000.00}. The payments were made on time until I started my XXXX in XX/XX/XXXX. I Had to travel and pay for everything at home. I contacted XXXX and ask for help. The only thing they offered was to put the loan in forbearance for 8 months. I had to do this 3 more times with no other suggestions or help from them. From XX/XX/XXXX we payed our high payments for 3 years. In XX/XX/XXXX we were offered a better interest rate of 8.25 % from XXXX if we switch and have them service our loan for XXXX. I switch thinking it would be better the balance was {$61.00} and XXXX started servicing the loan. It has not gotten any better we currently still owe {$57000.00}. The payments are current and we pay close to {$600.00}. a month. I have payed on this loan for 21 years and have the principal has already been payed off. I am getting no where and need your help! ACS is no help either they only offer income based repayments that only put us further behind and we do not qualify for their programs.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: On Thursday XXXX/XXXX/2015 I tried to long into my account online and was unable to access it. I contacted citbank via telephone in reference to my account. I was informed that they can not give me information via telephone I must go in person with a ID. On XXXX/XXXX/2015 on or about XXXX I went to the branch on XXXX XXXX in the XXXX. I spoke to the representative named XXXX XXXX who informed me that I must call citi bank fraud alert. He put me on the phone and left to move his car. Once on the phone with citi bank fraud unit I was verified and that representative ask to speak to XXXX who was not available. So another representative helped me, a female. She had on XXXX. The representative on the phone spoke to the bank representative and then I was informed that my account will be closed and I will get a letter in the mail. I was not offer any detail to what happen with my account what is going on .... I need some one to help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: I am totally floored by the information that I just received from an attorney that I met with concerning the newest foreclosure action  by Wells Fargo.       Wells Fargo modified a mortgage that was discharged in my  Chapter  XXXX  Bankruptcy.  XXXX  dollars. They are now trying to foreclose on a debt that has already been  discharged. so how can they try to get money again that was already written off,. how are they trying to obtain a claim from the title company again for a loan that was discharged in  my bankruptcy.     Besides predatory lending practices here, and tryng to collect twice on money already written off by the federal government.     Never when I spoke to Wells did they ever mention I was modifying on something that no longer existed!!! how can this be!     How is it we are still being lied too!

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 12-10-2015 about Consumer Loan (Installment loan) with Roycroft Management (SC).
Issue: Problems when you are unable to pay

Complaint: I originally had a loan with a company-Check N Go that was defaulted on. I may have received one piece of correspondence in the mail from the company however have not received any other mail or phone calls. Today out of the blue I receive a phone call from a " locator '' looking to find me in order to give me a phone number to call a number about a case or I would be served with papers. I called the number given-XXXX and spoke with a XXXX XXXX. He informed me that I was going to be taken to court for all of these charges if I did n't pay them or set up a payment arrangement giving them a credit card of bank account number. I asked for the name of his company and told him that I needed something in writing. He said I should know about the debt and if I did n't set anything up today then there was nothing that could be done about the file and I would be served. I asked the name of the company and he gave me " Central Mediation Services ''. They further went on to say that I would be served at my place of employment if I did n't comply.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Vehicle lease) with UBER TECHNOLOGIES INC (OH).
Issue: Taking out the loan or lease

Complaint: I was trying to set up my uber partner app to only do uberXXXX deliveries. I clearly hit to use my own vehicle and as I was scrolling through and entered my address the next thing I see Is that an inquiry was made on my profile from XCHANGE LEASE LLC. I contacted Uber and told them that something was wrong with the app and it somehow selected I was interested in leasing a car when I was n't and it ran a credit inquiry on me which I did not consent to. I sent screenshots of this ( also will be attached to this complaint ) and also told them to go into my account and try it themselves as it will still direct you to the same page. They did n't care told me they could n't help me and to contact XCHANGE LEASE. I contacted XCHANGE LEASE and was told I did consent to it, ignoring all screen shots and proof I was n't looking for a lease. I am even more than happy to let them try it themselves or to make a video showing the error. I want this credit inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: I signed up for the Citi ThankYou Preferred credit card, which advertised XXXX Citi Thank You Points as a signup bonus. I signed up in XXXX XXXX, and should have received the points in XXXX XXXX. I chatted with customer service reps in XXXX, and again in XXXX, and again in XXXX. Each time they said I should be getting the points soon, but as of today I still have n't received the points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TransUnion ha d two glitc hes in their system where inquiries were removed from the credit report betwee n  XX/XX/XXXX  and  XX/XX/XXXX  and again in  XX/XX/XXXX  . They did not notify me about adding them back onto my credit report within 5 days which is required by The FCRA rules. I called and requested to speak to United States Representative and I spoke to  XXXX  who claims to be a supervisor in special handling. They have been known to say that consumers were not affected by the glitches and that is exactly what she told me. I know that I was affected by the glitches in the system and there are inquiries on my credit report that should not be there.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Over the past 4 months I have made several disputes with Trans Union/XXXX/XXXX regarding an fraudulent account being reported on my Credit reports. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for {$19000.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP

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 07/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Nearly five years ago I suffered a significant health related incident and ended up off work for 4 years before I was able to return to work. Around that time, our HELOC changed from an interest only loan to a conventional loan ( I believe this is what happened ) and the monthly payment nearly doubled. I contacted BofA in hopes of working something out that would be easier for us ( my family ) to manage. We started, what I thought, would be the loan modification process to restructure the loan to be more affordable. At NO TIME did we want to default on the loan or claim we no longer would accept the debt. We started what ended up being a very long ( 3+ year process ) where we ended up right back where we began. BofA started sending us documents to complete, sign and return, which we did. Unfortunately, documents were lost or never reached their destination. We continued this process for nearly a year. At one point, we were threatened with the loss of our home and told it would be auctioned to the highest bidder. We were even sent the exact date, time and court location this would take place. This caused and enormous amount of stress on our family. The thought of losing our home, cars, personal items and having to move ( myself, wife and XXXX sons ) was unbearable and I would often be brought to tears when speaking to my loan consultant. We were placed on a special program where we would send our payment and it would be held in escrow so we could demonstrate our ability to pay. After doing this, I was told our account was current. However, we received another round of notices stating that our house would be sold through the court system. This even included embarrassing decals and notices being placed on our front door. Coincidentally, this tactic ceased when I expressed my XXXX again to our loan manager or consultant. In the end, a loan modification was granted and we continue to pay our monthly HELOC. However, we are right back where we started nearly 5 years ago. The threats and nightmares in endured were simply unnecessary had BofA helped us with a more positive approach rather than a threatening one.

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 02-01-2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (NC).
Issue: Managing the loan or lease

Complaint: I applied for a installment loan with BigPitcure loans. I qualified for {$800.00}. When agreeing to such a loan over the phone no mention of the interest rate. The only thing that was mentioned was the due date of XX/XX/XXXX in the amount of {$280.00}. Then nothing was mentioned that this was a biweekly loan. I get paid twice a month. I have logged in to see why this was and guess what my interest rate is XXXX % I will be paying {$280.00} biweekly until XX/XX/XXXX ( yes XX/XX/XXXX ) this is {$6800.00} once I have paid back. They had played me and I was not informed this was such a high interest rate as well as this was a biweekly loan. I borrowed {$800.00} and will eventually pay back {$6800.00} that is illegal it is a scam/shark loan. {$6000.00} in finance/interest no way. Payday loans are illegal in XXXX ( which is the state I live in ) this is a payday loan if they are asking when I get paid and taking out {$280.00} every time I am paid. I again was not told what the interest rate is only that the amount approved was {$800.00} and my first payment is {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are accounts in my credit file that do not belong to me and Trans Union is n't responding to my requests to investigate and remove them from 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 07-10-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NC).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I am trying to get my transactions sent to active hours and my bank will not send the transactions that I need forwarded

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IL).
Issue: Problems when you are unable to pay

Complaint: My 2015 vehicle was totaled when I was on vacation to visit my brother in Colorado in XX/XX/XXXX. My best friend came along with me and was the driver of my vehicle. The complicated insurance process took quite a while as it was my friend driving my car, so expectedly, its was complicated. I was forced to move out of my home in the XXXX because I no longer had a car and I work in XXXX and the commute was impossible without a vehicle. So I had to completely change my life as a XXXX year old kid and get an apartment so I could maintain my job. Well, having that responsibility made it impossible for me to make the remaining car payments during the insurance process. Making car payments continuously on a car that was a total loss just was n't practical after having to change my whole way of living. My credit score has dropped dramatically after I have worked so hard to build it up at such a young age. It 's very disheartening to experience this because I am so young and my credit is vital at this point in my life. I hope that there is something that can be worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was applying for my first mortgage and when my credit report was pulled it was brought to my attention that inquiries was still on my credit report. from all sorts of auto companies pulling my credit, and I do n't even have a drivers licenses only a state I.D and this is really stopping me from purchasing my first home. The inquiries are as followed. XXXX-X/XX/2016 XXXX XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016, XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXXXXXX XXXX XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016

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 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a public record / judgement on my credit report which does not belong to me. This public record has kept me from financing my home, and has even kept me from getting a job. On XXXX XXXX, 2015 I appeared in court before a judge to clarify the judgement was not mine. On this day I was given a court order specifying that the judgement belongs to an individual with a social security ending in a sequence of numbers which does not match mine. After sending a dispute to Experian I was told the negative listing can not be investigated because I did not include my entire social security. ( I sent my last XXXX, name and address ) This issue continues to keep me from doing the most basic things in life like purchase a car, a home, or even get a job. Please Help! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Since the complaint I filed re : CitiFinancial, I have now received another letter dated XXXX of an intent to foreclose. There was never a formal letter from them stating they denied the loan modification submitted by the housing counselor. They now want {$15000.00} to stop the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (AL).
Issue: Taking out the loan or lease

Complaint: I took out a personal loan in my name alone. Tower Loan called to verify the information while I was at work. Instead of simply leaving a message for me the representative divulged the amount and terms of the loan to my husband who I did n't give consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (I do not know) with SECURITY CREDIT SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I AM RECEIVING PHONE CALLS FROM A DEBT COLLECTOR. THE DEBT IS FOR ANOTHER PERSON NOT ME. I HAVE SENT A STOP AND DESIST LETTER. I AM STILL RECEVING CALLS FROM THEM PLEASE ANY HELP THANK YOU.

Company response to consumer: Closed
Consumer complaint received 10/21/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction problem

Complaint: I sent {$260.00} to someone with an unconfirmed email. The transaction is pending. I tried to cancel the transaction. But the agent in the XXXX, said I cant cancel until the other party confirms their email or 30 days. I do not understand why that should impact me canceling. Paypal is sitting on my money. He said it was the process and his manager would say the same. He then put me on hold for over 20 minutes. I gave up and hung up. This policy likely makes Paypal a lot money on interest on me and others because of this practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I submitted a prior complaint against XXXX 's # XXXX. XXXX 's response was fraud and misrepresentation and nothing more. However, the CFPB did nothing to investigate issues I raised. It is clear from XXXX XXXX response they tried to put this back on me which was specifically designed to " cover their XXXX ''. It is clear XXXX XXXX moved my payment and tried to pull it from a closed account. Their website does not support the direction they relate about designating account and they state in their response. THE REASON FOR THIS SECOND COMPLAINT IS THAT XXXX 'S IS CHARGING " RETURNED CHECK FEE '' WHEN CHECKS ARE NOT INVOLVED IN THE TRANSACTIONS! THE PAYMENT IS TAKEN FROM MY CHECKING ACCOUNT AS AN ARCH PAYMENT, NOT AN ELECTRONIC CHECK. IT IS UNCLEAR WHAT LEGAL AUTHORITY XXXX 'S IS BASING THEIR RIGHT TO ASSESS THIS CHARGE ON THIS TYPE OF TRANSACTION. I SUSPECT THEIR ARE MANY OTHERS THAT HAVE HAD THESE RIDICULOUS CHARGES ASSESSED, BUT MAY BE IN A POSITION NOT TO KNOW THEY CAN QUESTION IT. THIS COMPLAINT IS TO DETERMINE HOW XXXX 'S IS JUSTIFYING THIS " RETURNED CHECK FEE ''.

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