milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After graduating from law school, my stepfather was helping me make my loan payments. I never missed a payment or requested my monthly payments be reduced. My stepfather unfortunately passed away unexpectedly XX/XX/2015, and all of our family 's assets were tied up in his estate. I was no longer able to pay my loan, which at the time was over $ XXXX/month. I applied for a forbearance based on financial hardship, and maintained my forbearance for six months. When I came out of forbearance, I requested an income-based repayment plan, which was granted, but brought my payment down to $ XXXX/month, which was also an extreme hardship for me. I was told this was the lowest possible rate. However, after only a couple of months later, Navient increased my payments by over {$400.00} per month. When I called to try and reduce these payments, I was heavily encouraged to apply for another forbearance. I was instructed that the payment rates had been bumped up by the Department of Education. I tried once again to apply for income-based repayment, and then Navient told me that they had to calculate my payments based on my combined GROSS income with my husband. Mind you, my husband also pays {$1000.00} a month to Navient for his own loans. That means they were calculating my payments based on combined, pre-tax, pre-Navient payment income. When I tried to point out how wrong this is, I was just told that was policy. Then, they told me that the {$400.00} bump ( now a $ XXXX/month payment ) was actually LOWER than the rate would be if I had elected IBR. This was the ABSOLUTE LOWEST they would go. Any time I requested a reduction, I was encouraged once again to apply for forbearance. Again, I have never defaulted. I have never missed a payment unless on official forbearance. I am an attorney with a good job, and I have not been able to save to buy a house with my husband or put anything away for retirement. Half of my income goes toward my loan payments, causing extreme financial hardship for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: I have had a credit card with American Express since 2005. I had a limit as high as {$50000.00} at one point. After the economy collapse, my credit limit was slashed. I understood why that happened. I 've watched my interest rate increase including twice in one year. Again I did n't say anything. I extended myself buying and refurbishing a rental house including this card. Finally, when I was able to place a mortgage on my rental, I used the funds to pay off debts, including this card. I 'm consolidating and closing accounts but I wanted to keep this card. It was accidentally closed when it was paid off. I called and asked to have my account reinstated and it was denied. I was n't asking for anything more than I already had. I always enjoyed the great customer service so I also opened a savings account. I will be closing all my accounts. After treating a long term member that has never had a late payment the entire time like this, has caused me to re-evaluate who I choose to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I 've sent this company multiple letters ( certified ) asking for proof of validation of this dept. they refuse to respond with actual proof the dates of the letters are below. 

XXXX the dates are as follows letter sent onXX/XX/XXXX received by them : at XXXX am onXX/XX/XXXX in XXXX, CA XXXX letter sent XX/XX/XXXX received by them : XXXX am on XX/XX/XXXX in XXXX, CA XXXX. 

letter sentXX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX. 

XX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX **** I have asked multiple times for proof ( signature validation ) this is my debt.. I 'm running out of patience on this. and am considering filing a civil suit next if this does not work.. I have no idea who these people are or why they are ignoring my requests but its getting old..

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (DC).
Issue: Account opening, closing, or management

Complaint: PayPal Inc. improperly placed holds on my PayPal Account. The company improperly handled disputed transactions and placed holds, reserves or limitations on my accounts without notice. PayPal failed to inform me about the type of activity that triggered the account freeze. Further, the company failed to provide me with an opportunity to remedy the situation and avoid holds being placed on my account in the future. Moreover, after sending the company the verification requested, PayPal continue to place frivolous holds on the account. 
1. On XX/XX/XXXX the company placed a hold on the account allegedly due to seller risk. ( See : Ref. ID # XXXX ) All the required banking and personal identifiable information was sent to the company. 
2. On XX/XX/XXXX the company placed a hold on the account and requested me to verify my identity and company information. ( See : Ref. ID # XXXX ) All the required banking, business and personal identifiable information was sent to the company. 
3. On XX/XX/XXXX the company requested verification once again. ( See : Ref ID # XXXX ) All the required banking, business and personal identifiable information was sent to the company. 
On XX/XX/XXXX the company placed a hold on the account and funds for 60 days requiring me once again to verify my identity and business information.. ( See : Ref ID # XXXX ) After the continued account harassment and unprofessional encounters via telephone with employees of the company, I requested PayPal to close the account and the company refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was a victim of transunion 's inquiry issue ''. i called them XXXX / XXXX /2017 to make them aware and to see the steps that I need to follow. customer service would not help and take care of the negative inquiries reporting to my credit report.
TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries back to the consumer credit reports. TransUnion failed to follow the legal procedure to actually do so. They removed all of my inquiries and placed them back and I want all of them removed because they didnt follow procedure.

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 10-05-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MA).
Issue: Other transaction issues

Complaint: Western Union is denying money transfers services between myself and XXXX XXXX in XXXX. The money that I transfer is from Social Security and part-time employment as a Customer Sales Associate for XXXX XXXX XXXX in XXXX, XXXX. All money transfers that I send are intended to pay for rent, food, medical care and comfort for XXXX, my XXXX yr old biological son, XXXX XXXX XXXX XXXX and her XXXX yr old daughter XXXX XXXX XXXX. My intent is to marry XXXX. Our XXXX Attorney was not able us annul so I unknowingly left XXXX XXXX pregnant in XXXX and returned to XXXX to for XXXX Immigration, and Legal Help needed for money, healthcare and legal representation so we can marry ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX late Medical Bills only on my Equifax report {$1000.00}, {$35.00}, {$35.00}, {$35.00}, and they have been removed from XXXX but having no assistance from Equifax I am a XXXX and XXXX Vet and also have XXXX and Medicare Insurance I see the VA for free and even If I use outside the VA I pay nothing because I am primary on both of my medical insurances. I have used medical outside the VA before and because of my Medical coverage I pay nothing. I have tried on several occasions to contact Equifax with no results and no response. I have used XXXX for Equifax, XXXX, and your agency and only been able to to get responses from XXXX which immediately removed the medical bills and your agency which sent me to this site any assistance in this matter would be of great help to have these bills removed from my credit report. again Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I attempted to instate a credit freeze with XXXX, XXXX, and TransUnion. All attempts failed beginning at XXXX PST. It looks  like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and TransUnion to have to ASK my permission to use my identity information.

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 07-04-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I recently moved to the state of XXXX from XXXX. During the planning phase of my move I researched banks and found that Chase was quite appealing due to the {$200.00} offer for new members when signing up for checking and having a direct deposit. On XX/XX/XXXX I received and email from chase with my coupon code for the {$200.00}, I stopped into the XXXX, XXXX branch and met with XXXX XXXX XXXX ( Private Client Banker ). I provided XXXX with all my information, including my coupon code ... During our meeting XXXX was preoccupied by multiple phone calls and being called out of the office twice ... I singed my final papers prior to leaving, gave {$50.00} cash for my initial deposit and asked when I could expect the {$200.00}, she mentioned as soon as my first direct deposit posts, 10 days after. A week went by, my direct deposit posted, I called XXXX and asked when to expect the {$200.00}, she said within a week.. a week went by and nothing, I called again, XXXX said another week .... By this time I have three weeks invested and no {$200.00} as promised. I called XXXX again, she now changed her story to say I never provided her a coupon code and she would have to investigate!!! I called Chase customer service who opened a ticket. On XXXX XXXX called me and said that due to the time that has passed since I opened my account, she could not honor the {$200.00}, I mentioned that I had called her every week and requested an update, she said there is nothing she can do. Customer support called me on XXXX and mentioned that they could not help as this is a local branch dealing ... Long story short, XXXX did NOT enter the coupon code I brought with, I fulfilled every obligation listed in the fine print to recive the promotional {$200.00}, due to her negligence, I did not receive what was promised to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: More recently, Navient decided that I can not decide to apply my extra payments to all principal if I wanted to. Like usual with all important changes I do not receive proper notice that I can not decide how to apply my extra payments to wherever I see fit for my best interests. For instance, my lender changed from XXXX to Navient and I received no communication of this or the impact to me on my obligations to now Navient. Is n't that illegal if my lender changes without me being notified? ( And to be clear its my lender that changed not the servicer ). 
Also, they do not communicate interest rate changes outside of regular statements you receive. In addition, I fail to understand how someone with good credit and a great history of repayment still pays more than someone applying for a new loan. Their decisions on how to decide interest rates for customers are suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX ,  2017  - Notified by  XXXX  that someone had tried to open an account fraudulently  XXXX   XXXX ,  2017  -  XXXX  did a  3-way c all with  XXXX  Bank,  XXXX , and Me to have this removed  XXXX   XXXX ,  2017  -  XXXX  Bank stated they would contact the credit bureau and have the hard inquiry removed  XXXX   XXXX ,   XXXX   - Received a letter from  XXXX  Bank stating to give it 45 days to have the inquiry removed Contacted Equifax 4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today,  XXXX   XXXX ,  2017  it has now been 63 days since this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inaccurate information is reporting on my consumer report.. Please consider this dispute & formal request under the FCRA, to provide a copy of the verifiable original creditor documentation to the following inaccurate accounts and/or information ; 1 ) XXXX is NOT my account 2 ) XXXX is NOT my account 3 ) XXXX is NOT my account 4 ) XXXX is NOT my account 5 ) XXXX NEVER KNOWN BY THIS NAME 6 ) XXXX NEVER KNOWN BY THIS NAME 7 ) XXXX NEVER KNOWN BY THIS NAME 8 ) XXXX I never lived at this address 9 ) XXXX I never lived at this address 10 ) XXXX I never lived at this address 11 ) XXXX I never lived at this address 12 ) XXXX I never lived at this address Experian 's failure to positively verify these accounts have damaged my credit, life, liberty & pursuit for happiness.

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 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I feel that discover card does not want me to pay my total balance off now that I can afford to do so . Two months in a row (    XX/XX/XXXX  and  XX/XX/XXXX  ) th ey did not draft the statement balance. They also did not notify me at all. Because I am fixing my financial situation, I am watching everything closely. That said, I caught it both times and called them my self to fix. After confirming with  Discover that my checking account number and my routing number we 're correct more than once, they now tell me there was fraud reported- in  XXXX . The y continue to jerk me around when all I want to do is pay them off. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Auto) with Kramer & Frank, P.C. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a judgement from Kramer and Frank PC for a vehicle purchased for XXXX thru XXXX XXXX from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XX/XX/XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been XXXX with a XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, XXXX does not even have a record or account with my name on record anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with DISCOVER BANK (FL).
Issue: Closing on a mortgage

Complaint: I am employed as a XXXX XXXX for a XXXX XXXX XXXX  XXXX  XXXX/XXXX XXXX in California. From XX/XX/XXXX to XX/XX/XXXX, I handled 4 mortgage closings for this company, which was subcontracted by XXXX XXXX XXXX. I have yet to be paid for these closings. I have requested payment from XXXX XXXX and XXXX XXXX XXXX, which has not responded. The total owed to me is {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A loan using my name and information was approved and pushed through by XXXX XXXX XXXX and I was put down as the Co signer on the loan. I never agreed to the loan or signed for it. I made the XXXX aware a large number of times and they continue to hold my credit hostage. I have offered my explanation to XXXX and XXXX but they are to concerned with my credit. They only want my high credit attached to a bad loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I believe I was wronged by Navient in several ways. Number one occurred in 2014 when I was not adequately informed of my obligation to re-certify my income status. They did not make any effort to ensure that I completed it in time, and, as a result, {$6500.00} in interest capitalized and was rolled into my subsequent income-based repayment status. They did not adequately inform me ( 1 ) of my obligation to re-certify my income status by the deadline they provided and ( 2 ) of the repercussions of not doing so ( that my interest would capitalize and payment would skyrocket ). 

At the time, I was told that there was nothing I could do about this. However, after seeing your lawsuit, I realized that I was wronged and misled. Thank you for your help in bringing this issue to light.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Coast professional via phone set up a series of XXXX payments of XXXX monthly for a delinquent federal loan as a representative of the dept of education. After the XXXX payment they have continued to demand mandatory official proof of my monthly salary via my workplace HR and all paperwork showing other financial aid payments as well. Given this demand as I had yet to provide it they said I could not be in their repayment program. ( I TAKE IT THIS MEANS A MUCH LONGER OR NO TURNOVER TO THE DEPT OF EDUCATION? ). 

I have asked twice for a written copy of this " policy '' and was denied as they supposedly ca n't send the contract out to me without knowing essentially my official gross bank incoming and outgoing cash. Her responses made no logical sense so my red flags went up. ( they also asked me details of my monthly spending - a backdoor approach to knowing my bank account ). I 'm still not sure why this is the case, but no debt XXXX prior to this have demanded this mandatory portion of the arrangement. 
Questions : XXXX. Is this official paperwork mandatory for me to supply to secure my loans being sent back to the dept of education? 
XXXX. If this is not mandatory, the agreed on amount and XXXX payments duration - is this legal to hold me in limbo past this agreed on time period? 


XXXX. In addendum to this not associated with this debt collector, is it legal and mandatory once a payment has been established to tack on administrative fees or a penalty fee beyond the agreed sum?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: Writing to this company last XXXX XXXX, XXXX is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XXXX XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated.

Company response to consumer: Closed with explanation