milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am a prime example of the worst-case scenario regarding predatory loan disbursement ( on behalf of  XXXX  University  ),  and predatory forbearance/deferment tactics ( on behalf of  XXXX   XXXX  / Navient ).      XXXX  : When I was signing up for my student loans with  XXXX , the financial consultants there did a poor job of helping me get the lowest interest rate loans, and the fewest loans. Furthermore, they did n't do a good job communicating what I was actually being signed up for. By the time I graduated in   XXXX  , I have ~ $  XXXX  student loans ; $  XXXX  of which was at 6 % APR ( DoE loans ), and $  XXXX  of which was  ~10  % ( VBR, private loans ). Many of which are unsubsidized.      XXXX   XXXX   / Navient :  Since   XXXX  , I have encountered financial hardship a couple times. In those times, my  calls to Navient usually r esulted in a forbearance or a deferment. They made it seem like those were the best options for me, despite that fact that it was far from the case. Even though I have payed my loans every month for 5 of the 7 years since   XXXX    ( ~2 years were forbearance/deferment ), the current bala nce EXCEEDS the original principle. I have made no progress in 7 years of repayment.     Conclusion : I feel  XXXX  an d Navient  have employed predatory tactics to ensure that  1 ) I finish school, regardless of the cost of my loans, and 2 ) t o reap the most amount of interest from me after graduation. This is a massive burden that I have had to carry, and will continue to carry, for decades to come. My only hope is that some of it will be forgiven under the pretense that I am the victim of unfair tactics at the hands of a system designed to exploit students.     As a side note, I will soon be filing for bankruptcy as a result of an even worse circumstance where I have ~ $  XXXX  medical debt as a result of an emergency   XXXX    XXXX  I needed to have to survive. Combine these  XXXX  debts, and I 'm   XXXX  . I am filing for bankruptcy soon.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conns collection practices should be considered harassment. They call you the day after your payment is due. So for example if it is due on the XXXX they are calling you at XXXX on the XXXX. They call all day long and at times it is twice a hour. If need be a can show phone history. The topper was today when they called me. My payment was late I admit. It was due on XX/XX/XXXX and I scheduled it for XX/XX/XXXX which is less then 30days. The payment cleared my bank as I have proof. They then preceed to call me today at XXXX and again at XXXX requesting XXXX and XXXX payment. I spoke with a nice lady who said it was a error and she stop the calls. Less then a hour later the calls continue. At this point I was frustrated and told the lady I was done talking with them. I owe less then {$200.00}. My whole experience with them has been terrible. My furniture is terrible. The screws are falling out of the chairs and the fabric has come off the recliner. They claim the insurance i paid for does not cover my table set and the fabric chapping is not covered either. Then they offered me a extension earlier this year and then reported it against my credit. I need to know what can be done. I tried to dispute with no luck. I am so done with Conns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in  XXXX   2017 , I contacted Loan Care and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,  2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  Loan Care c ontinues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?

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 06-07-2017 about Debt collection (Other debt) with The Best Service Co.,Inc (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On  XXXX   XXXX ,  XXXX  -  Best Service Company pla ced a derogatory on behalf on  XXXX   XXXX   XXXX   XXXX , my previous bank despite being placed into in the Chapter  XXXX  bankruptcy that was filed in  XXXX  and discharged in early  XXXX .  XXXX   XXXX   XXXX   XXXX  an d Best Service  has acted in bad faith by placing a regulatory mark after 18 months of bankruptcy filing.

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 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/2013 I was enrolled at the XXXX and inquired about a few apartment complexes. " XXXX '' happened to be one of the many apartments that I viewed as an option, I did provide them information to see if I met their qualifications as an applicant but I never signed a leasing agreement. On XX/XX/2013 I received an email from the property manager XXXX stating that I did not come to pick up my keys, I immediately contacted her for clarity because I only inquired about the apartment but never signed a lease. On XXXX/XXXX/2013 I received another email advising me that my account had become delinquent which I was flabbergasted by being that I contacted her after the first email to advise her that I was not a tenant at this apartment complex and never signed any documents. Again on XX/XX/2013 I received another email stating that my account was again past due, I called again down to the office and spoke with the property manager XXXX and she at this point offered me a settlement for 3 months of rent stating that she had sub-leased the apartment in XX/XX/XXXX. I of course declined her offer being that there was never a leasing agreement signed. I never heard anything back from her after asking for her to fax me a copy of said lease that I signed. This account has been added to my credit report and this is not a debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Financial services company, has opened a credit card account in my name without my permission

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 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Couch Conville & Blitt LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: In XXXX, I refused to pay for this refrigerator that was returned to XXXX twice for repairs. The XXXX refrigerator was sold to me as new but it was a refrigerator off of the floor of the store. I requested a new refrigerator after the appliance failed several times within the first four months of service but I was refused. The repaired refrigerator remained at the XXXX store and I discontinued making payments on this appliance. In XXXX of XXXX, XXXX XXXX XXXX purchased the debt and filed a judgment in XXXX of XXXX. XXXX used a law firm named XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, Texas by Atty. XXXX XXXX XXXX XXXX. XXXX to serve the judgment. On XXXX XXXX, XXXX, I was asked to sign a one-page document with the understanding that the debt would be resolved due to the statue of limitations in Texas ( e.g. 4 years ). On XXXX XXXX, XXXX, I was served a writ of execution that was secured by XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX, Texas XXXX -- -Phone XXXX, XXXX. The writ of execution 's cause no is XXXX and it was filed electronically at the XXXX XXXX XXXX Clerk 's office, XXXX XXXX, XXXX XXXX, XXXX Texas XXXX. This debt is XXXX XXXX XXXX and my property has been threatened for possession and or XXXX for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: As of   XXXX     my student loan interest rate has been hiked up to   XXXX   %. They have increased my monthly payments, due to this interest increase, without any notification prior. I find it outrageous, and feel this bank should be ashamed of itself for charging a student loan such a large interest rate. In the years I have been making payments, I have not seen the amount owed decrease  1 cent ; in fact, it has increased by thousands of dollars.   During a time of financial hardship in  XXXX , I was unable to defer payments through  Wells Fargo , they only allot 6 months of this and mine were used. Because of this  I started to incur late fees that added up to a couple hundred dollars while I would work on trying to find a way to make a payment. I left so many messages asking for these late fees to be reduced for hardships and never heard back from a represe ntative. All of this is unreasonable to me, and I find a negative impact on myself, mostly financially but also personally with struggling to accommodate all my student debt ; it also potentially impacts my family in the respect that they cosigned the student 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 monetary relief
Consumer complaint received 10/16/2017 about Checking or savings account (Checking account) with U.S. BANCORP (NV).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I recently went to use my debit card to pick up a prescription. ( Last Friday evening ) Although I had sufficient funds in the account, my debit card was being blocked. Luckily, my US Bank debit card was not my only source of funds so I was not left stranded without my prescription. When I called their 800 #, they proceeded to tell me that they had sent a new 'chip card ' back in XXXX, which I never received, and since I did not activate it they 'turned my debit card off '. I asked them to turn it back on since I never received this new card and they made no attempt at all to ascertain whether or not they even sent it to the correct address before they decided to deny me access to my funds. I have banked with US Bank for decades, they have my phone number and never attempted to call or text. They also have my home address and email, which they regularly send me emails so it would n't have been that big of a deal to at least make 'one ' attempt to contact me before denying access to my money. Now they offered to send a new one, but it will take about a week and they refused to overnight the new one. My only option was to go into a branch for a temp card. Now keep in mind it is Friday evening, they are closed and I had to work the next day. I went to the closest branch on Saturday during my lunch break, it was about XXXX, they close at noon! So, I now have been without access to my money for 3 days because of their procedures, and probably wo n't be able to get to a branch until Wednesday. I feel that this policy/practice of theirs is a clear violation of UDAAP. Can you imagine if I had been on a business trip, which I often have to drive from XXXX XXXX to AZ, and I did n't have anything but my debit card? I would be stranded at some gas station in the desert! What if I was an elderly customer on limited income and had to pay for some sort of transportation assistance only to find that the bank was closed? What if I had a serious medical condition and needed that medicine right then but was told no wait until next week. I could totally understand them turning off my card if they had made ANY ATTEMPT to contact me to verify if the card was missing or if I just forgot to activate it, but they did n't.

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 07-07-2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from First National Collection Bureau , Inc. ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to XXXX XXXX. I called FNCB, and a representative said it was a XXXX that I had opened in XX/XX/XXXX and closed in XX/XX/XXXX. I never opened a XXXX in XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted XXXX XXXX, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry XXXX, not XXXX, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a payment through XXXX XXXX whom then gives me a confirmation number, which then the funds are then drawn from my personal bank account. Seterus does not offer any other options for payments. I am elderly and on a fixed income, I have XXXX late payments and my account is current. Seterus is now saying I owe them a late fee for a payment that I clearly made to them. I called in to their care dept, they were not willing to help me and told me my payment confirmation number meant nothing to them and that I should than take issue with my personal banker for the lapse in payment. So I say again I 'm XXXX yrs old on social security with no other income and really ca n't afford to pay them for their clerical error. The funds have been in the bank since payment was rendered. Now They want me to travel to them and show proof of payment. I Am ready to give up. This company Seterus is awful and the web is litered with complaints of the same type of abuses. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Credit card () with Army and Air Force Exchange Service (CA).
Issue: Delinquent account

Complaint: I have a STAR Card which has automatic payments going to it and even with these payments, they keep submitting I am past due and they will not remove the late payments. I was XXXX from XXXX 2015 until XXXX 2015 and was unable to handle this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Induced into a " gap '' loan known as " XXXX ''. This was in conjunction with a federal loan. Even though we have above average credit scores, we were shocked to find out that this was a 12 % loan. We have taken out several consumer loans and have received two to five percent funding on those. We paid monthly as we were waiting for the 40 % reduction to take effect. We found our loan was turned over to someone outside of the XXXX XXXX that started the XXXX for the XXXX loans. We believe they are selling these loans to other servicers without addressing the loan reduction. Our loan originated in late 2012, right in the middle of the XXXX rip off. We have sent a letter to the loan servicer requesting the reduction and put them on notice of our intent to suspend payments until the XXXX lawsuit is settled. Part of the lawsuit requests rescission of these bad loans. We will continue to pay on our federal loan as regards the education. Still not happy that even with a degree the income from this education reaches 60 % of the XXXX dollars necessary to achieve a middle class existence. So much for higher education.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PR).
Issue: Late fee

Complaint: I made a payment to my Bank of America credit card on XXXX XXXX, XXXX for the amount of {$99.00}. BOA processed the payment to an incorrect account, a " XXXX '' was included to my already saved account number. After this I did not received any letters notifying me of the return payment. The next month I was charged and additional {$25.00} for the " missed payment '' and my granddaughter and I called called customer service on XXXX XXXX, XXXX cancelled the account. At that moment we made the payment in full of the account for the amount of {$180.00} and were told no we had no pending balance. Next month {$1.00} were charged for " minimum interest charges '' on an account that was closed. BOA made an unauthorized charge of {$1.00} to the account that was return " unpaid '' and send me a letter notifying me that the payment was retuned and that additional fees associated with the transaction were applicable. An additional {$1.00} charge was included on my billing statement of my already closed account. Today I made a {$3.00} payment to cover this charges, because I do n't want my excellent credit history damaged by this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Santander Consumer USA is practicing unfair   auto loans, interest is added to your loan daily which is NOT on your loan contract. Santander als o cons their customers into making their payment turn out to be late despite being made on time by taking extra long during their processing. All  XXXX  of my car payment have all been applied towards interest only. My auto loan has decreased a total of {$50.00} in 3 years! Please help do something about this company! I am begging! I have paid almost {$14000.00} on this loan and I am currently {$12000. 00} upside  down! I am unable to trade in the car to get a new car now that my credit is great. Please help me get this rectified so that my principal balance is lowered and I am able to get out of this horrible situation!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX continues to attempt to collect on a debt in the amount of {$1000.00} that I do not owe. I have written XXXX debt verification request letters and instead of receiving requested information, my account was transferred to a collection agency, RPM, who is requesting payment for an amount I do not owe.

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 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I 've been batting with Experian for the last year to get negative and fraudulent account off my credit report. I 've Called experian and asked what they needed.. I 've called police, the XXXX place. Experian I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

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 04/13/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CO).
Issue: Trouble during payment process

Complaint: RE : US Bank. 
In XX/XX/XXXX US Bank was notified via email ( with attached digitized receipt ) and via phone that our property taxes had been paid. 

We were supposed to receive the refund in XX/XX/XXXX. 

Instead US Bank paid the taxes a second time, which is negligent! 

We have been waiting 10 weeks and have not received our refund of the prepaid taxes as yet. 

Please use your influence to get them to act, or else, I guess the next step is small claims court.

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