milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went to school for 3 years and graduated XXXX with a degree in XXXX. I borrowed {$21000.00} initially for my schooling and they indicated that just like any loan my interest rate would be low and I would begin to pay my loans back once I graduated. When I graduated and set up to pay my loans they added on {$12000.00} in interest as my total cost, plus they said I get added interest percentages per month added to my total now {$33000.00}. This is such a scan and completely sets hard working students back once they graduate. I 'm so disappointed with the student loan companies when they are supposed to be there to support and help students.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: XXXX/XXXX/XXXX : Balance XXXX XXXX/XXXX/XXXX : deposit XXXX XXXX/XXXX/XXXX : new balance XXXX XXXX/XXXX/XXXX : overdraft fee XXXX XXXX/XXXX/XXXX : verizon payment XXXX XXXX/XXXX/XXXX : purchase XXXX XXXX/XXXX/XXXX : new balance XXXX XXXX/XXXX/XXXX : another overdraft fee XXXX XXXX/XXXX/XXXX balance XXXX My financial institution would NOT remove/replace the XXXX {$140.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Charged fees or interest you didn't expect

Complaint: I am receiving collection calls from a third party, usually they hang up when I answer. However when I call back I am on hold for a long period of time. When the rep answers they do not identify themselves instead the rep answers the phone saying can I help you? After they go through their authentication script I find out its in reference to a loan I took out in 2008, for more than double of the amount, which was discharged in my Chapter XXXX Bankruptcy. The rep then tells me that they will make a note that I am refusing to pay and to call back with my Bankruptcy reference number. In the past I have asked for written proof of the debt and I have even asked then to cease and desist from contacting me. To date I am still receiving hang up calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have had a private loan through XXXX College for a long time now. I started school bak in 2006 and since then I never found a job with the degree I obtain. I was told I would be placed in a XXXX and that never happen. I was told there was a law sue with XXXX college and that those that were lied to that there loans would be forgiven. I was with XXXX XXXX and then another company after that. Since then I was changed to Navient, who is a very hard company to work with and do n't want to help at all and do n't care to help. Since there are just here to collect the money they do n't care what went on with XXXX they just want there money. I currently owe over 97 thousand, and I am also currently in school right now.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (Credit card) with Collection Bureau of the Hudson Valley, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. 
I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under XXXX XXXX XXXX XXXX & XXXX XXXX on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I have been trying to get online statements for the past ten days from my checking account at XXXX Santander. I spoke to a supervisor, XXXX, on XX/XX/2017 after a 40 minute hold time. XXXX told me that she would have someone get back to me ... After a week of patiently waiting and hearing nothing I called again and waited for 33 minutes but got connected to XXXX who was going to try and connect me with XXXX but she hung-up on me. So I contacted the District Manager by phone and left a message for XXXX XXXX XXXX, To date I have not heard one word from this bank. I would like to start working on my taxes and need the ability to gather data on line and sort data. I have no idea why they are not providing basic services for my account. I know they have the capabilities but are unwilling to fix this issue. I am sure this is happening to other customers and this is a clear violation of federal law and banking regulations. I am reaching out to you in hopes you can get someone to at least contact me and get this situation resolved. Bad customer service is no excuse for no customer service. I can be contacted at XXXX XXXX, XXXXXXXXXXXX. I look forward to your timely response.

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 01/26/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: I was charged a {$34.00} service fee for non sufficient funds.. .however I have always received text informing me my balance is low and showing any pending transaction that would potentially put me in the negative, however I never received any notification prior to them posting an NFS charge. There is supposedly a grace period of XXXX Est to put funds into your account to cover any pending transaction. However on this NSF I received different information by XXXX different reps as to why I received the charge. One stating it was due to a pending transaction from ( XXXX ) that supposedly posted at XXXX, one minute prior to the time allotted to put funds into an account to cover any pending transactions. The other stated it was from a restaurant vendor that showed a different pending amount from the actual posting amount. I failed to get a SPECIFIC reason for the NSF as well as an explanation to why a text was n't received that my balance was at a - {$7.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX I contacted by telephone Experian and was told that I could dispute inquiries that were not made by me, on my credit report. After being transferred I was told only one inquiry could be removed because it was a duplicate. I explained I had already contacted 2 of the inquiries and was told they had no record of my credit being pulled by them. Experian informed me that I would need a letter from each creditor and a letter from me before they could authorize any removals. Prior to that call, XXXX XXXX removed 9 unauthorized inquiries and that was because with them, like XXXX, my personal data had been compromised. I also explained that I did not think any creditor that did not have my authorization to pull my credit would admit to doing it by writing a letter! Currently the only inquiries that should appear on my credit is from XXXX and XXXX XXXX since I bank with them. 
Also, my debt usage is being incorrectly reported and I am unable to dispute online, they are informing me I must send them documentation in the mail before I can dispute anything! My debt ratio should be less than XXXX XXXX and they are reporting it as XXXX XXXX! My score is very low because of their mistake and I feel victimized by Experian. I am trying to apply for a mortgage and this incorrect information is going to prevent me from qualifying. Please help I am XXXX on limited income and can not meet their requirements for mailing and copying information. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I refinanced my student loan with wells fargo in   XXXX   XXXX  . My old student loans were with  XXXX . Although wells fargo said they had sent the funds to  XXXX ,  XXXX  said they never got the funds. Both companies said I owed them the balance of the loan. After spending every day on the phone with both wells fargo and  XXXX , I finally got it figured out ad  XXXX  got the funds and by balance was {$0.00} in  XXXX   XXXX   XXXX  . Later in  XXXX , I got a call from wells fargo stating that they had received a check drom   XXXX   for the full balance of my loan and they would apply it to my account. i told them that it had to be a mistake and they should not apply it to my account. They applied it to my account and I got a letter stating that my loan was paid in full and closed. I called both wells fargo and  XXXX  to try to get to the bottom of the situation because I know that my account balance for both companies should not have been {$0.00}. Meanwhile, while I try to figure out that situation, I am in the process of buying a new house. My lender for my house calls me and says m y credit score dropped over  XXXX  points this week because wells fargo put de rogatory comments stating that i am ov er 90 days lat e on my payment and they have closed my account. I contacted wells fargo to confront them about the situation and they say that the account has never been late and it is paid in full. They state that it is not their problem that  XXXX  sent them the funds, But that I would need to work it out with   XXXX  . This has caused me to not close on my house because my  credit score  had dropped. This has caused me earnest money, appraisal money, and inspection money. Wells fargo is not being helpful in figuring out the situation,. I have spent hours on the phone with different people and they never seem to help with the situation.

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 05/18/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband had a XXXX XXXX XXXX 3 years ago and can no longer work. We are a XXXX income household. My XXXX is the only income we have. We have requested a mortgage modification at least XXXX times from JP MORGAN, CHASE only to be denied each time for different reasons each time. We finally applied for a forbearance. After over a year of filling out paperwork over and over, they granted the forbearance. CHASE sent us a contract to sign telling us to make 4 monthly payments of XXXX starting in XXXX 2015. We sent the first XXXX payment on XXXX XXXX, 2015 through XXXX XXXX. We sent it early to make sure CHASE received it in time for it to be credited by XXXX XXXX, 2015. We called XXXX XXXX and CHASE informed us that they did not receive to payment. We called XXXX. They told us that CHASE did receive to money and gave us a check number that was received by CHASE. Called CHASE again, told they still did not receive money and no record of check number. Called XXXX again. XXXX verified CHASE did get money. On XXXX XXXX, 2015 received letter from CHASE stating that the XXXX had been RETURNED TO XXXX because it was not enough to bring the mortgage current. Called XXXX. They showed no record that CHASE had returned money. Called CHASE again. Cust. Serv Spec. told us that the money was returned because they did not show our mortgage as being under forbearance. CHASE told us to send money again as we were still liable under contract for the XXXX for XXXX. We DID SEND THE MONEY IN THE FIRST PLACE. So first they tell us that they do n't even show us being in forbearance, they in they same breath tell us that we are under contract for the XXXX and must send it again or they will CANCEL the forbearance! What?! We want to know how to sue JP MORGAN, CHASE for our home and emotional stress. I am terrified every day that this is going to cause my husband to have another XXXX XXXX or that we will get an eviction notice. How do we get in on or start a CLASS ACTION SUIT against CHASE? We have called Legal Aid and HOME here in VIRGINIA and they can not or WILL NOT help us. Please tell us where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: Reference ID : XXXX. I have {$430.00} in my account and there is not an option to request a check. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed an account which had reached the retention time and it was deleted. However, after a while I suddenly saw they placed it back and not only that they even changed the delinquency date to very current.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Every month captial one keeps charging me  XXXX  late fee because my dates are not on time. My min. payment is  XXXX . I called and asked whats the problem I closed the account and told them I 'm tired of fees that are more than min. I pay any where form  XXXX  to  XXXX  payments month ranging from $  XXXX  {$20.00} week so I pay more than min every month so they say the problem is I 'm  XXXX  due because the late fees keep adding up they have charged me almost {$200.00} late fees and have n't used the card in last 2 months so my balance just keeps going up. So this is my thought your saying i could pay consistent every month but because I do n't pay on time this company can just keep charging. So I did math lets say I keep paying the same amount every month that means every year they add {$420.00} to my account and If I never use the card they can do this. This is not right this is n't justice this is n't looking out for customers, but they could continue to profit for the next 2 years if I'am going to let them. The system does n't work it set up for the rich to profit off the poor to keep people down.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: After Hurricane Irma in XX/XX/2017, my Sallie Mae/Navient monthly payments are more than double. The balance I owe is for My daughter 's ( XXXX XXXX ) loan that I cosigned for. She was only making minimum payments and it affected my credit. So I made arrangements to be the sole payer on the account. This was originally a {$2000.00} loan, and there is still {$860.00} owing. The past 4-5 months, the payment has gone from around $ XXXX- {$18.00} up to over {$45.00}. Since I am retired now and on Social Securty, this became a hardship. I have emailed them several times and NEVER got even one response as to why the payment went up like that. It will never be paid off at this rate, because now I am the one making minimum payments. My daughter is unemployed, or she would help me. We live in a very small town, and jobs are extremely hard to come by. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Possible breach into my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Bureau Financial Services, Inc. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have requested my credit report since  XXXX  stil l have't r eceived and on the  XXXX  still have not receive it them

Company response to consumer: Untimely response
Consumer complaint received 06/20/2017 about Debt collection (Credit card debt) with COMMERCE BANK (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was attempting to settle a debt on a credit card with Commerce bank through XXXX XXXX. I submitted a settlement on the account when contacting them to check on the settlement I was then notified of a {$25.00} demand check card that is owed. I have all of my previous cards from Commerce none matching the numbers provided. And Iv been with XXXX XXXX since leaving Commerce in XXXX 2015. The dates do n't match up, and neither does the card numbers. And this was never mentioned previously to me. They could provide no transaction records or any other information to me. The lady I spoke to said she was n't aware of this account previously. And they will not allow me to settle the credit card debt without this being resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Chase is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how chase is accepting that the payments were returned see document attached but still Chase reported but still Chase reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead  so it remains on my credit report forever

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: Castlepayday.com charged me 700 % interest without my knowledge on a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I live in XXXX mn our current mortgage is with HSBC and we just received a letter from them stating our mortgage is being transferred to XXXX XXXX XXXX. Our mortgage is current and up to date. Why is this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I used to have a joint account with my former husband XXXX XXXX at XXXX XXXX XXXX 
I divorced him because he was involved in XXXX XXXX  and fraud to the IRS. 
After my divorce, XXXX XXXX XXXX  has been reporting false information bout my payment records. 
I must mention that it was I, who took in the responsibility to made the payments when I was married. 
I tried to talk to a bank manager ( they are located inside of XXXX XXXX  ) the manager was very rude and offensive. 
My records still have the wrong information that XXXX XXXX XXXX  reports. 
I need to clear my records. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (OK).
Issue: Loan servicing, payments, escrow account

Complaint: PHH Mortgage was reporting negatively to the credit bureaus during the time I was being monitored through a chapter XXXX bankruptcy. This has caused serious problems for my family and the purchasing of our new home. My wages were being garnished by the BK Co the entire time and they were making the payments on time for me. We provided my bank statements along with the payment history from the BK Attorney and PHH is still refusing to correct my credit. I contacted my bankruptcy attorney about this and he was going to get me some information on the payment process from the ChapterXXXX office, however, he stated that 1. The payments were made electronically and 2nd, that they should not have been reporting to the credit bureau until after the bankruptcy was discharged. 
I also spoke, again with PHH Mortgage today and the lady I spoke with suggested I file a dispute claim with their Credit Report Disputes department, which after I get the information from my attorney I will do as well. I wanted the CFPB to know so that other consumers are aware!!! This has caused me entirely too much stress and wasted my time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: the previous mortgage servicer did not modify to benefit homeowner and refused to provide any info on its NPV and water fall calculations and never responded to the homeowners protest of the value due to builder defects which greatly affect the value on the open market also previous attempts get modifiaction under imminent default where ignored to the detriment by the delay of modification due current servicer has refused to address this issues and has foreclosed

Company response to consumer: Closed with explanation