milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am very sick and have had a difficult time making my payments. Wen I did try to enroll in an income based repayment plan, they gave me wrong information and forced me to catch up on my payments in order to get into a repayment program. The woman I talked to said Navient will not allow entrance into the program when the loans are in default. So i scraped up the money literally while she was on the phone getting family assistance, around {$650.00}, and caught up my payments. She then did a review of my finances and told me my monthly payments were around {$350.00}. I explained that we could never maintain that amount because I am not working and my treatment is expensive. She said there was nothing she could do. At my persistence she spoke with her supervisor who agreed with the representative. 
She stated that they could do a review of my cosigners to see if that could lower my payments. I wanted to do this. She said I had a month to have them call in and to not let my loan default, otherwise I would still be denied for income based repayment. After two weeks, my cosigners had called in- so I called Navient back to discuss my options. The man I spoke with said that because my loan WAS N'T in default, I could not be placed in an income based program. I almost lost my mind. I told him what the representative before him had said. He said she gave false information and that I had to call back once the loan defaulted. So some of the {$650.00} I scraped together could have been used for my medical treatment, but instead was given to Navient. 
I am also one of the people they insisted on putting into forbearance instead of a payment plan- now I am out of forbearance when I need it most. 
They have also given me false information about when programs I am in have ended. So I thought I was in a program for a year, but it ran out without my knowledge after a few months- thus causing the first situation I described. 
I have had nothing but problems with Navient for 9 years. I have tons of stories, been given wrong information a dozen times, paid money to even put my loans into forbearance because that was cheaper than the payment, and they absolutely set up people to fail. 
I admit, I should have educated myself better before taking out private loans, but at the time, they were eligible for fixed interest consolidation, so I was n't very worried. 
Now I am sick, on long term XXXX from my job and filing for Social Security XXXX, and I have NO IDEA, what to do with these loan payments. We absolutely can not afford them and neither can my cosigners. One of which is my mother and she is helping me pay for my treatment! 
I have no idea what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: My home was foreclosed on  XXXX   XXXX ,  XXXX  by the   XXXX   XXXX   XXXX   XXXX   through Attorney-In-Fact  XXXX   XXXX ,  XXXX  an d Select Portfolio  Servicing, entities do not hold ownership of my note. This problem on my home started back in  XXXX , when  XXXX   XXXX   XXXX  illegally assumed our note from   XXXX    XXXX  to the  XXXX   XXXX   XXXX  which was closed in  XXXX .   XXXX    XXXX  went into receivership  XXXX   XXXX ,  XXXX   XXXX  purchased all the assets at that time and our note was not assigned to the   XXXX   XXXX   XXXX   XXXX   by  XXXX   XXXX , however the   XXXX   XXXX   XXXX   XXXX   is claiming ownership with  XXXX   XXXX ,  XXXX ,   XXXX   XXXX   XXXX   and Select Portfolio Servicing Subservicer. I have prepared uploaded documents called CFPB  Complaint    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , / Select Portfolio Servicing and Exhibits which explain in greater detail what has taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I APPLY FOR A BEST BUY STORE CREDIT CARD, IT WAS DENIED WITH NO REASON WHAT SO EVER, MY CREDIT IS OVER XXXX, AFTER 2 WEEKS I GET A LETTER ( IN XXXX ) SAYING THAT THE LENDER WAS CITIBANK NA AND THEY SEND A NOTIFICATION SAYING THAT ''THEY HAD DECIDED NOT TO OFFER ME ANY TYPE OF ACCOUNT SERVICE '', WHY IS THIS? 
I DID CALL BEST BUY CREDIT SERVICES TO XXXX AND THEY SAY THEY HAVE NO MORE INFORMATION ABOUT THIS, I ALSO CALLED CITIBANK, THEY TRANSFER ME MORE THAN 3 TIMES TO DIFFERENT SECTIONS AND NOBODY COULD EVEN FIND MY NAME OR MY APPLICATION, SO I DECIDED TO WRITE A LETTER TO BOTH COMPANIES, BEST BUY AND CITIBANK, OF WICH NON HAVE ANSWERED BEST BUY REFERENCE # 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 03/15/2017 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I had a credit report of XXXX obtained a copy of your EXPERIAN Credit Report. I have not applied for any credit cards. I am concerned about a fraud attempt to open a credit card.

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 09/14/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: The bank deducted over draft fees when the money was in there to cover the checks that came thru. 
They had the nerve to prdate the fees to when the check actually came in. 
This is more than deceitful but crocked!! 
I wonder just how may people they do this to every day??

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 card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Credit determination

Complaint: In XXXX I received a replacement Business Credit card for the one that was do to expire in XXXX 2017. I activate the new card and destroy it by mistake and kept the old card when I call Bank of America customer service they said I would receive a new card in two days. Three days later a Bank of America complience office call me and said I would to call to unlock my consumer credit file which is frozen because I am a victim of ID thief. First he gave me to wrong number then when I call Bank of America they told I would have to take a hard hit on my score. Since I can see my credit score on the Bank of America web site anytime I login why is it necessary to take a hard hit on my credit score. I have mortgage with Bank of America and personal Credit card account. They have make it very difficult for me to want to do business with Bank of America

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 04-05-2018 about Student loan (Private student loan) with SLM CORPORATION (VA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: In early XX/XX/2014, my mother applied for a student loan from Sallie Mae to finance college. She was in a hurry to get a loan, as she waited too long to apply, and looked to Sallie Mae to get a loan. It offered her very high interest rates, which she was inclined to accept so that I could go to college. Over the last 4 years, Sallie Mae has consistently raised the interest rate on the loans despite both my mom and I having a credit score of over 700 and never missing any payments. The interest rates on the two loans are now at 11.25 % and 10.125 % APR!!! Sallie Mae has been raising the interest rates in 0.125 to 0.25 % increments every 6 months or so. I also have reason to believe that payments are not being disbursed correctly between interest repayments and principal repayments. I believe it may be applying parts of payments that should be deducted from the principal and recording it as interest repayments. 

I am not sure if what they doing is even legal for a loan servicing company in the United States. Interest rates are increasing for no apparent reason on loans that are already at levels way above the average interest rates for student loans. Consistent payments each month are only deducted from accrued interest regardless of the amount we pay. We are planning to refinance the loans with another company once I graduate this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with AMERISAVE MORTGAGE CORPORATION (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I started to process of getting a mortgage for a new home and was pre-approved by AmeriSave Mortgage Corporation. I used this pre-approval to make an offer to purchase a band new home and then sold the home I was living in. AmeriSave Mortgage Corporation ensured me that everything was going smoothly and that they would have me approved well before my closing date. They ordered an appraisal of my new home that came back slightly higher then the selling price. About 3 days later I get an email from the loan processor XXXX XXXX stating that the underwriter had asked for a filed report and that came back with a lower number then asking price. According to the XXXX XXXX  Appraisal Guidelines there is no reason why this should have been done. At this point I need to scramble to find a new mortgage company who does follow the guidelines or have my family be homeless until I can resolve this issue. This company has cost me my due diligence money and wost yet possibly my families dream home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rhojo Enterprises, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an account with XXXX in XXXX when I was stationed their in the XXXX. I got orders to come back to the states and sent a letter with my orders telling XXXX I have to cancel my account. 

A year later a debt collection agency called Orion Recovery told me I owe over XXXX dollars for unpaid phone bills from XXXX in XXXX. 

Orion has my cell contract, but my contract does n't say anything about a cancellation fee or something about giving a 90 day notice. 

I keep asking Orion Recovery to show me where it says I have to give a 90 day notice, but they wo n't and keep trying to scare me saying I owe them more and more money every day I do n't pay them. 

My XXXX XXXX XXXX building said that this collection sounds like a scam, because Orion says they have a contract with XXXX and they constantly do the same thing to service members over and over again. 

They wo n't reconize my evidence ( audio phone call recording with XXXX and pictures of the mail I have sent. ) I have shown them and they wont prove that I had to give XXXX a 90 day notice. 

I do n't know what to do in a situation where debt collectors are telling me unless I have proof of paying those 3 months I have to pay them and how much I owe them will keep increasing each day. 

I have n't ever taken anyone to court, I dont know how much lawyers cost. Am I stuck paying XXXX dollars to Orion Recovery because it might not be worth the court costs? 

I do n't think Orion will ever take no for an answer because they ignore a lot of information I send them like the XXXX XXXX XXXX act. I believe my contract falls under that category and they wo n't talk about it. Orion also tells me that it is unreasonable for them to contact XXXX for any more information because it is untimely. 

Whoever reads this I really hope you can help me out. I dont want to fork over XXXX bucks when I do n't feel I owe this. I did everything the right way. 

I do n't know what XXXX parties can get them to back down. Logically, my side is correct, I 'm just not very good at being a lawyer.

Company response to consumer: Closed
Consumer complaint received 01/18/2018 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: I have called ( In XXXX XXXX ) and wrote a letter of complaint last month about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted. 
All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account. 

Equifax Hard Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (I do not know) with AES/PHEAA (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by XXXX XXXX XXXX, as a reference for someone else. The person gave me an address of where he lived when he was XXXX XXXX XXXX. I did n't know him then. I felt like I was being badgered by XXXX different people over a debit that is not mine. XXXX phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following address is fraudulent and appears on all my credit reports. Needs to removed and investigated for any fraudulent activity. 

XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX  MISSOURI 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 non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX Initial correspondence sent to Credit reporting agency XXXX XXXX XXXX XXXX Transunion XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of 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 06-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: Tried to send money to someone I owed through papal. Spent over 45 minutes with them verifying all my information and they said we are refusing this transaction and there is nothing can be done. There is no means to rectify this situation through paypal. They said this a ip problem and even after verifying everything PayPal is still refusing to make the transaction, that I require them to make even though all fraud possibilities have been taken care of. <P/>Paypal rep : XXXX ID Number is XXXX He is suppose to be a supervisor in the business support department located in Nebraska Call Reference Number : XXXX says there is no number for the call recording XXXX has refused to give me the regulatory body in the government that overseas them. To prevent me from filing a complaint against PayPal for refusing to allow me to us my money in the way I want to use my money. Even after going through extensive verification process.
<P/>
There is no other department and PayPal does have a complaint department that I can talk to or have access to. Compliance department no will be provided there either. <P/>XXXX said he did file a complaint internally. XXXX just checks a box and does not understand anything about the complaint process. Expect ALL PAYPAL IS REQUIRED TO DO IS PUSH THE COMPLAINT BUTTON.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I was closing on my house XXXX/XXXX/16 and my realtor emailed me wiring instructions for the closing on XXXX/XXXX/16. I printed them and took them to XXXX XXXX, my bank, and wired the {$51000.00} to the bank of America account on the email. I was notified at XXXX XXXX on XXXX/XXXX/16 the title co had not received the funds and immediately went to XXXX XXXX. I met my realtor and it was determined her email was hacked and the bank information changed, XXXX XXXX, XXXX banker, filed a fraud claim. I walked over to Bank of America and spoke to XXXX XXXX explained the situation and asked him to freeze the account. I was told I am not their customer and he would only deal with XXXX XXXX fraud dep't. He gave me a code " XXXX '' and said to make sure XXXX XXXX used the code on the report. I returned to XXXX and XXXX XXXX added the code. I was told the wire had not been initiated until XX/XX/XXXX as it was XXXX on XX/XX/XXXX when I had requested it and they thought it could be stopped. On XXXX/XXXX/16 XXXX XXXX XXXX XXXX called and told me the money had been withdrawn that day from Bank of America. Bank of America could have prevented this and I have lost my life 's savings.

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 12-12-2016 about Debt collection (Credit card) with U.S. BANCORP (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Both my husband and I told this company that I am unemployed, have no money, my husband had XXXX bouts of XXXX that we can not pay this bill and to stop harassing us with calls. They wo n't stop calling. They continue to call my husbands work cell phone and my cell phone after we repeatedly said to stop.

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 05-04-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: After having a substantial relationship with  BB & T B ank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  XXXX  issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I am willing to pay the balances but ca n't even find where to pay them.. Please let me do this and maintain my relationship. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: The credit reporting agencies have been marketing their services to me while attempting to access my free credit report each year.

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 09/15/2017 about Debt collection (I do not know) with Rothstein Acquisitions LLC (PA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: received call from XXXX XXXX who states he is a paralegal who is calling to get a statement from me, he stated I need to call before XXXX and that failure to call will result in lawsuit claim and possible civil action. He left a number of XXXX.

Company response to consumer: Untimely response