milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On Tuesday  XXXX   XXXX ,  2017  I contacte d Navient my st udent loan provider. My account indicated an unpaid interest balance. I have paid my account monthly since I had the loan. In  XXXX  the loan was refinanced through credible at a supposed lower interest rate. The balance in  XXXX  was  XXXX ,  XXXX . I have made all of my payments the balance is now  XXXX . The loan is more. I am being scammed. I can never pay off the loan at this rate. I really need help. I just lost my job. The loan is increasing I can not pay for the loan at my age. The interest rate is daily according to the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated back in XX/XX/XXXX and have been through a number of financial ups and downs. Navient or XXXX XXXX never gave me the options of an income driven based repayment plan. I bought a business back in XX/XX/XXXX and try to complete the minimum payments when I can. My loan has only gone up since I graduated and they only let me defer my payments. My credit score has been affected greatly by this because at points it becomes a burden to pay for something that the bill does not go down on and so instead of going down it always reports the bill going up. I rather invest into my business then throw money at a loan that never goes down. They have me at XXXX different loans at 6.8 % interest on each. When these loans were done I was unaware of the affect that this might have on my future. This loan is the only thing that has held me back from buying a house or car. I have written letters that stated I did not think the loan was fair and that unearned interest was being added on and they assured me everything was being handle correctly. They didnt give me much information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Have had the same problems they would n't help us and kept adding on the interest. I am XXXX and kept telling them this ' is a fixed income plus they put in default. Not cool

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: modification package and first 3 payments sent - no response to emails or calls or in writing

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with U.S. BANCORP (NV).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: XXXX XXXX XXXX XXXX Case No : XXXX US Bank Fraud Claim XXXX I filed a complaint with the board against US bank. I received denial letters from the bank and contacted the board and the representatives I spoke with each over time assured me that the investigation was still open and that I would be n notified when their investigation was completed. I waited and waited and never received a response from the board notifying me of their response to the investigation. I recently contacted the board only to find out that the board had closed my complaint in XX/XX/2017 response received from the bank ( letter ) '.case closed. There has not been a day that has passed that I have not thought about or believed that the complaint was never investigated by either the board or US bank and I feel that just can not let this go. I want to know what Federal Regulations that US bank states that I did not abide by are. Neither the board or US bank has explained that to me. 

I NEVER gave XXXX XXXX the PIN to my accounts. I DID NOT authorize him to withdraw monies as he saw fit. I did authorize him limited access to my debit card while I was XXXX  but it was only to pay bills by phone and a PIN was NOT REQUIRED for this. Once again, I DID NOT give him permission or authorization to steal my debit card and withdraw any funds from my accounts. 

I want to file a new complaint as I do not feel that US bank nor the board investigated my complaint. I respectively request that the board consider my response to US bank 's denial of my complaint.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Closed account in 2008 never removed from credit history shows I have larger debt than I do. Fifth third bank XXXX balance shows current. Account closed Please help repair this I called fifth third 4 times and sent emails to XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX student loans from Navienet and at the time my daughter started college so I had put XXXX other parent plus loan under my name as well. My daughter graduated XXXX 2016, I was making my payments but my loan were not going down and kept calling and they were telling me they received the money and they were being applied, it was not until my daughter started to pay her loans in XXXX when they said her payment was late that I realized for 4 years they were applying payments to my daughters loan who was not out of college yet. It took me 5 people to finally get someone to understand what happened and truth be told I do n't know if it was every fixed they sent me paperwork showing where what they did but what about the interest it looks like they just put the dollar amount back on my loan. this is a different department they does the correction and you are unable to talk to these people. This may not be a lot of money but the point being I was calling them and telling them something was wrong and they did nothing about if for 4 years. 
To your answers below many apply only able to check one box - Do n't agree with fee charges, Received bad information about my loan, having problems with customer service

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 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: My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.

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 08/16/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: bank of america fraudulent practices and lies are back again.after they change the original contract, they have change it to their own benefits. in XXXX the sent mea new payment much much higher than I can afford they gave me now my home insurance its cheaper it went from {$1100.00} to {$97000.00} my tax for this year and my tax for this year I will be {$1000.00} as you see they still keep making my mortgage payment higher, even my principal is higher. they gave me a loan modification knowing about my XXXX but they are taken advantage of my 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 explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern : I have been trying to get a modification with Caliber Home Loans. The representatives state that there was a payment missing but we have received proof that the payment was received by the previous lender XXXX. Then XXXX sold the loan to Caliber Home Loans. 
As with most Americans our family was suffering a loss of income for several years. They denied the first modification which we are still trying to understand why. We called and spoke with a representative around XX/XX/2015 and were told there was too much debt. That did not make sense because they are only supposed to use income and current mortgage payment to arrive at an affordable payment. We were told to resubmit all documents again so we uploaded all the documents on their website and then received a letter indicating that they can not process at this time because you did not put your loan number on the documents indicated below. There are NO documents indicated below on the letter. Then they are asking to have the documents mailed, emailed, or faxed. They did not request this previously as the documents were uploaded to their website and this was easy. It seems now they are trying to make it difficult to get the documents to them in a timely manner. I need assistance in dealing with Caliber Home Loans. 
Your cooperation is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I bought a house at XXXX XXXX XXXX XXXX XXXX WA XXXX. XX/XX/XXXX to XX/XX/XXXX I surrendered my rights to Bank of America, telling them I can no longer stay in this house and make the payments. I was in an accident in XX/XX/XXXX and was reduced in hours at work and just could no longer afford living in my house. I believe my last payments was around XX/XX/XXXX-XX/XX/XXXX with missing payments throughout the year. The bills had begun to pile up, so I voluntarily left. I have just recently found out through XXXX XXXX - Sr. Mortgage Consultant/Manager XXXX # XXXX o : XXXX m : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, WA XXXX XXXX, that 5 years later the house is still in my name. The house has not even been foreclosed as of yet and I am still being shown as the owner of record. I would like for you to contact me about my options at this point.

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 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Diversified Consultants starting calling on XXXX/XXXX/15 at XXXX and again at XXXX on the same day. These calls were unanswered. Then on XXXX/XXXX/15, they called at XXXX, in which I did speak with a representative, verified my identity and was advised of the debt from the original creditor. The call was disconnected because I was having a difficult time understanding the accent of the representative. They then continued to call me all week. More calls placed on XXXX/XXXX/15 at XXXX, XXXX/XXXX/15 at XXXX and again on XXXX/XXXX/15 at XXXX, in which I did not answer. My wife called them on XXXX/XXXX/15 at XXXX and advised them not to contact me again. It is my understanding that once a debt collector makes contact with you, they can not try to make contact again for 7 days. I also feel that the excessive number of call on my cell phone that I also use for business purposes is excessive and disruptive to my daily work.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called XXXX XXXX to discontinue my service due to relocation of my permanent residency starting XXXX XXXX, 2015, the same day I sign a form from the leasing office this form I signed and my roommate to release me from responsibility of this lease. It was approved and signed by one of the personal in the leasing office. XXXX representative came to pick up all of the equipment they brought in. The box for telecommunications services the provide such as cable box and internet. I called XXXX as soon as I found out they charging me for such amount I spoke to the costumer service and reported this as fraud XXXX I did not sign any agreement to continue this service. I have not found a place u til now I 'm still searching for an apartment and I am currently do n't have a permanent residence.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus is charging me fees to see if I lice in my house. They " say '' they send a guy out to see if I still live there. I call them every month and talk to them. They took the account over in XXXX of " XXXX ''. I was disputing some payments. And if you looked at my account I made payment every month. So I tryed to pay extra to get caught up. so setures stole the money for fees and charges I was NOT aware of. Why would you send a guy out to check the house out when I call ever month and make extra payment, unless you care ONLY about profits and are trying to steal house? If they give back my money I payed extra, I would almost have enough to get caught on my payments. Please help me end this over burden greed bank practice so I can own my home.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have on my credit report on all 3 CFA 's a collection amount of {$7600.00} from XXXX XXXX. They claim they are collecting from a debt they purchased from XXXX XXXX, the debt from what I understand originated XX/XX/XXXX with XXXX and Midland took it over XX/XX/XXXX. I have never had business with XXXX and they do not show on any of my credit reports from the 3 CFA 's. I have disputed this claim since XX/XX/XXXX. My dispute was based on one : I have never had business with XXXX and secondly from doing some digging it appears this account was opened in XXXX XXXX at an address of XXXX XXXX XXXX XXXX. XXXX XXXX which I have also disputed with the 3 CFA 's because I have been living at my current address in Maryland since XX/XX/XXXX. It appears Midland continues to ignore my disputes and I have never received any documentation with signatures or anything regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: my name is and my fathers is showing up in my credit also and his old address.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX and XX/XX/XXXX, I sent Portfolio Recovery Associates a letter for debt validation asking for specific items to verify that the account was mine. Porfolio Recovery responded back on XX/XX/XXXX with a credit card statement and says that it establish validity. The account that they referenced was proven invalid through the dispute process in XX/XX/XXXX and was removed from my credit report. Portfolio Recovery is attempting to extort money from me through mail fraud. Portfolio Recovery did not send me the item I requested to prove validity of the debt that I requested. This account does not belong to me and I am demanding the removal of this invalid debt. This fraudulent account is damaging my reputation with new creditors and preventing me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (WI).
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: I purchased tires from XXXX and also purchased the installation package ( to be completed by their technicians ) and road hazard with my Discover card. The next day on the way to my cabin I encountered turbulent handling and loud road noise. I took the vehichle to the local mechanic who said the tires had been inproperly installed and 2 had not even been weighted ... VERY dangerous. I spent a week going back and forth with XXXX and the very rude Manager at the location who advised me to " bring it back in '' obviously I could n't since it was over 200 miles away ... I had the shop make the corrections and rebalancing which I paid for with my Discover card also. 

I contact Discover to file the dispute and they have been unprofessional, unresponsive and yesterday forwarded me a notice saying the charge was valid and attached a reciept from XXXX with my signature ... DUH!!!!!!!!!!!!!!!!! The issue IS NOT my card was used fraudulently, it is that the services I received were unsatisfactory and quite frankly life endangering. Discover did not handle this properly and I will not pay this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Hi, I have been monitoring my credit scores with Transunion and XXXX. I have some derogatory credit history ( including a settled judgement ) caused by periods of unemployment. Consequently, I am not able to get much of a credit line. However, I am maintaining a credit card account with XXXX XXXX. I have a {$500.00} line of credit with this card and use it frequently for small purchases. I often use nearly all of the available credit. Then, I make a payment of typically $ XXXX dollars well in advance of the due date. My credit sources inform me that both Transuion and XXXX have lowered my credit score because I used nearly all of the available balance. My question is this : If my score can be lowered for using nearly all of my balance, why do I not earn points for paying ten times the minimum and paying it two to three weeks in advance of the due date? This is clearly an unfair business practice and, I believe, grounds for a federal lawsuit for defamation. 

XXXX XXXX

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
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 was involved in an auto accident. 

Someone, not me, called an ambulance that I did not need or want. 

I received a bill that Equifax refuses to remove from my records

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Federal student loan debt) with TRANSWORLD SYSTEMS INC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have student loans that my mother cosigned for. They intercept my tax refund every year although I have been paying $  XXXX  / mon th also. I have not been able to pay this year but they did receive over {$1000.00} from my refund. My mother ( who cosigned ) is elderly and on SS. I am currently unemployed due to no transportation  (  very rural area ). We live together and between the  XXXX  of us (  XXXX  separate cell phones ) they call a minimum of 15 times daily. They use many different numbers. This is Transworld Systems Inc. The lady  XXXX  was abusive verbally to me when I answered several months ago. They 've been relentless since at least  XXXX . We are 100 % fed up with so many calls every day. I will not put up with being told I am a " burden on my mother '' and " need to get a job '' again. I 'm currently unable to make any payment but the ones I have add up to over $  XXXX  /month. This  company needs to stop their bullying and harrassment!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

Company response to consumer: Closed with non-monetary relief