milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION ().
Issue: Deposits and withdrawals

Complaint: I opened a rewards checking account with Capital One and used it in large part because of the Rewards. Based on my usage, I had accumulated XXXX miles with effective value of {$120.00}. Capital One had promised " Miles never expire. '' Well, that is until one day I found out that my rewards balance was XXXX. I was told that the program ended and Capital One decided to take even the accrued rewards money away. I talked to a couple customer service reps, then went to the branch, but nothing helped. 

I find it as an Unfair and Deceptive practice to make me use their product mainly because of rewards and then evaporate the customers ' earned rewards one fine day. If I can not trust a bank to hoard my earned money ( rewards or otherwise ), who else can I? 

Additional Information : I moved from the XXXX to XXXX in XX/XX/2014. Capital One does not have the option to send communications to XXXX. It is possible they sent mails that I did not receive. I have not received any e-mail from them regarding this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was sent a letter giving condolences for my death. I called and informed the company that I was very much alive. Another letter was sent that my mother received while at my house- it caused her quite a fright. I have yet to hear anything back from the company either way, and have not had any of my automatic payments taken out for months. I absolutely refuse to pay any late fees or interest that is tacked on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I contacted XXXX XXXX in XXXX about qualifying for the federal student loan forgiveness program in XXXX after 120 on time payments and was on track to keep track of my government employment so I would qualify. In XXXX, I contacted Navient to make sure I was still on track, only for them to tell me I did not have the right type of loans for that. They now wanted to set up an income based repayment plan, which would not have benefited me at this point in any way since I would likely pay of the loans after 120 more on time payments just to qualify. I have been paying on {$33000.00} in student loan debt since XXXX at more than {$200.00} per month and still owe more than {$18000.00} on these loans. Something ca n't be right for 20 years of payments thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I recently heard Pennsylvania filed a lawsuit against Navient for unfair practices. Upon investigation of my own loans I have discovered that my original loan balance for my federal and private loans was {$59000.00}. My privates loans were for {$37000.00}. I have made {$29000.00} in payments of which {$19000.00} has gone to interest with {$9900.00} going to the principal. My current balance is {$29000.00}. My first federal loan was for {$9800.00} I have made {$5400.00} in payments with {$4400.00} going to interest and only {$960.00} going towards my principal. After being forced into forbearance my current balance is {$11000.00}. My second federal loan has a starting balance of {$12000.00}. I have made {$6900.00} in payments of which {$5600.00} has gone to interest and only {$1200.00} has gone to my principal. After being forced into forbearance my current balance is {$14000.00}. Navient states my current balance owed is {$54000.00} which doesnt even take in to account the {$42000.00} in payments I have made. {$29000.00} has gone to interest with only {$12000.00} going towards my principal. I have called Navient at least once a week trying to get explanations about how my payments are applied and I get no real answers in return. My private loans are in an interest rate reduction program. I was recently told that my payment of {$250.00} was divided between the interest of {$230.00} and {$20.00} going to my principal. I have been trying to get on an income based payment but I can not afford the payment because they add me and my husbands income together and come up with an outrageous amount for me to pay. I am now trying to apply for an income sensitive repayment program which Im being told will take my husbands income into account also so I wont be able to afford the payment again. I want to know what happened to all the money I have paid and why my balance only reflects a {$5000.00} difference when according to them I have paid {$12000.00} on my principal. I have asked for documents and copies of my promissory note and was told they would be in the mail but I have never received any documentation. I also asked for proof that my father co-signed my loans and have never received that document either

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I 'm having a problem with Navient private loan XXXX. I 've submitted XXXX XXXX application to have this loan discharge because I do n't have any income. To no avail they continue to decline my request. I had no problems getting my Federal loans XXXX but XXXXNavient private suggests that I become delinquent rather work out a plan. I 've recently ask if they could defer my payment for a year are so until I have XXXX income.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XX/XX/XXXX - I called Navient, the student loan holder of my loans, to make a payment and allocate a majority of the payment towards one of the two consolidated loans I hold with the company. The representative I spoke to informed me that I was not allowed to allocate payment, and that what you pay, and how it 's preset, is how it 's supposed to be set up, and that I can not change or request to change that. 

XX/XX/XXXX- After reviewing the XXXX Dept. of Justice lawsuit of Navient, I learned that my previous interaction with Navient, and what I was told about allocation, was incorrect. I called to have this rectified, and at first, asked if I could ungroup my loans as stated on their website here : https : //www.navient.comXXXX First, the representative told me that I can not ungroup my loans unless I un-enrolled in online billing. I said, " Fine, please un-enroll me in online billing. '' After I submitted that request, the representative then told me that I, in fact, can not ungroup my loans because they are consolidated. So, my first request was unfulfilled, and I was led to take an unnecessary action ( un-enrolling in online billing ) that literally accomplished nothing. 

Second, I asked again if I was allowed to allocate my payments towards the exact loans that I want. The representative told me that I was allowed to do that - rendering the information I received in XXXX as incorrect - but with a caveat, that I need to call, make a payment over the phone with a representative, and then ask for it to be allocated the way I want it to. 

After this interaction, I asked the representative to note my account, and to note that I was filing a complaint with CFPB for the incorrect information I had for the last 5 months. I 'm also filing this complaint because I find this company to be untrustworthy and purposely giving misleading information to consumers in order to maximize their profits. 

Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: US Bank is reporting false information on my credit files XXXX and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX, XXXX, EXPERIAN ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT

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 01-04-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CO).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I deposited {$50000.00} to a new XXXX checking account in XX/XX/XXXX. I needed a new checking account and they were offering a {$500.00} promotion if you made two direct deposits and had a {$50000.00} balance for 6 months. I made sure to meet all of the requirements, confirmed that I met the requirements on XX/XX/XXXX and am now being told that I do not meet the requirements and that I wo n't be getting the bonus. I have attached a letter they sent me stating that I did indeed meet all of the critieria and that I will be receiving the bonus. I called in yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) and was first told they had no record of my calls, that letter or anything. After an hour and a half on the phone they finally " found '' it but still said I wo n't be getting it. 

I also uploaded a screen shot of my account showing that I met the qualifications of the promotion.

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 01-11-2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Trans world systems. This company has been calling for over 2 years and overtime I have asked to remove me they state that it will take 24 hours and call me right back the same day and the day after. They call every day even after i called for a week straight to request to be taken off and they say the same thing. They are calling asking for a person we do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: JP Morgan Chase sent a letter stating that they will no longer be declining charges that customers do not have funds to cover that are not enrolled in overdraft protection. They will be allowing accounts to be overdrafted and fees charged " at their discretion ''. This is a blatant violation of the last overdraft protection settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Medical) with North Shore LIJ Health System (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX Debtor information and payment online options not available. 
Debtor unreachable only by mail. I feel unsafe mailing out checks to this business not endorsed by the BBB. Their is no way for me to check my balance by automated system. I dont know any up to date information regarding this account. I have no confirmation of payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  does not conduct a thorough investigation on account submitted by Navy Federal Credit Union reporting a failure to pay on XX/XX/2018 that involves a fraudulent credit back to Navy Federal Credit Union deposited by XXXX XXXX XXXX , XXXX My minor child was connected to all accounts and currently has her account in good standing. Navy Federal Credit Union in XXXX Maryland made a bad deposit and/or was unable to recover funds from XXXX XXXX XXXX that has nothing to do with me. Navy Federal Credit Union failed to perform a thorough investigation on said account ; If so the person that made deposit would have been notified which was a US Marshall. 

Both XXXX and Navy Federal Credit Union does not investigate their own errors. Both companies use XXXX to monitor my consumer activities in a fraudulent manner. Not sure why they follow rules to damage credit but negligent on resolution from day 1 of any dispute I've sent and/or inquired about over 4 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Trouble during payment process

Complaint: THE IDENTITY OF THE TRUE SECURED LENDER/CREDITOR Sub-Servicer Bayview Loan Servicing stated in writing that XXXX XXXX XXXX is the Master Servicer. The way Sub-servicer Bayview Loan Servicing and Master Servicer XXXX XXXX XXXX fail to state the identity of a true secured lender is Bayview will state XXXX XXXX XXXX is the Master Servicer and XXXX will answer you. The Master Servicer XXXX XXXX XXXX will say the loan was transferred to sub-servicer Bayview Loan Servicing LLC and Bayview will answer BOTH XXXX XXXX XXXX AND BAYVIEW LOAN SERVICING WILL NOT IDENTIFY THE TRUE SECURED LENDER/CREDITOR BECAUSE - Both Master Servicer XXXX XXXX XXXX and Sub Servicer Bayview Loan Servicing LLC have developed a scheme " THE BLAME GAME '' that doesnt provide us with the identity of a true secured lender. When Sub-servicer Bayview states that the owner of the loan was provided to us in a previous response - this is absolutely not true Bayview has never provided the identity of a true secured lender/creditor. Bayview Loan Servicing has never provided us with the Owner of the mortgage loan. Moreover, Bayview Loan Servicing continues to discriminate against us due to our XXXX and Bayview Loan Servicing continues to act, or practice misleads and has already mislead us the consumer. Due to fraudulent extensive criminal activity and fraud in this arena, and due to the fraudulent fake documents you provided to us to trick us into thinking they were authentic through the Consumer Financial Protection Bureau we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Bayview Loan Servicing LLC committed Deceptive Acts or Practices in response to multiple Qualified Written Request for the for the following reasons On multiple occasions we have requested through Qualified Written Request the identity of a true secured lender/creditor. Bayview Loan Servicing LLC has failed/refuses to give us the identity of a true secured lender/creditor and continues to operate deceptively by discriminating against us due to our XXXX. Specifically, we are disputing the following : a ). The identity of a true secured lender/creditor b ). The existence of debt c ). Your authority and capacity to collect on behalf of the alleged creditor/lender. Sub-Servicer Bayview Loan Servicing has committed the following acts against us : A representation, omission, actor practice is deceptive when : ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances ; and ( 3 ) The misleading representation, omission, act, or practice is material.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been paying off my loan for over 4 years. The initial disbersement was at {$20000.00} with 10.64 interest rate in XXXX of XXXX, I occurred {$4000.00} of interest from the before making my first payment in XXXX, Ive been paying $ 325+ a  month which works out to more than {$15000.00}. The total amount I still owe on the loan is over {$17000.00}. I just spoke with a rep who said he would escalate the issue since the math doesnt work out. I have also been denied a co-signer release due to my credit score, but most of the money spent on my credit cards in collections was to pay off this exorbitant, overcharged loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX   XXXX  accessed my credit file on  XXXX   XXXX ,2017 without my permission. I have contacted them via mail, email, fax and phone to notify them that I had not given them permission to access my account. They have failed to remove this inquiry as requested. I have provided them all the information necessary to address this issue to no avail. They have this inquiry still placed on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX WAS MY LENDER IN XX/XX/XXXX, BE FORE THEY SOLD MY MORTGAGE TO NATIONSTAR,, AND ITS BEEN 2YEARS AGO,, THEY NEVER TOLD ME ABOUT IT AND THIS COMPANY,,, I HAVE MADE MY PAYMENTS ALWASY ON TIME, THE PAYMENT BEFORE THEY SOLD MY LOAN WAS {$660.00} INCLUDING ACROW AND EVERYTHING,, AND NEVER HAD A PROBLEM UNTILL NATIONSTAR TOOK OVER, I NEVER NEW HOW OR WHAT HAS HAPPEND, BUT I FIGER THAT SOME LENDERS DO SELL THE NOTES, BUT I NEVER NEW THAT THIS COMPANY WAS A COLLECTER AGENCY, BUT THE ISSUE IS THAT EVERY MONTH THERE IS A DIFRENT AMOUNT ON MY MORTGAGE PAYMENTS AND DO N'T UNDER STAND WHY,, I HAVE CALL AND THEY HAVE TOLD ME THAT ACROW IS LOW, WHAT THE XXXX IS ACROW,, I MADE A FIX MORTGAGE FROM THE BIGINING INCLUDING ALL OF THAT ACROW THING, NOW ITS BEEN TWO YEAR IVE BEEN PAYING DEFRENT PAYMENT ON EXPLAN, MY MORTGAGE WHENT UP LAS YEAR FOR THE TAXES INCRISS OK,, IT WHENT FROM {$660.00} TO {$690.00} I SAID OK, I PAID THAT AMOUNT FOR TWO MONTH, BECOUSE ON XX/XX/XXXX FOR MY SURPRICE, THE DEFRENT AMOUNT STARTED TO ADD UP UN EXPLAIN, TO {$700.00} I PAID IT AMOUNT FOR 3 MONTH THE SAME AMOUNT, THEN ON THE THE XX/XX/XXXX THERE WAS A NOTHER DEFRENT AMOUNT UN EXPLAIN FOR {$810.00} WHEN I PAID MY MORGAGE ON TIME, THEN NOW IT WAS OK UNTILL XX/XX/XXXX A DEFRENT AMOUN OF {$760.00} I PAY IT AND NOW IN XXXX AGAIN THEY ARE CHARGING ME {$800.00} THERE SAYING THE ACROW IS LOW, WHAT ARE THEY HIDDING, THEY ARE JUST RIPPING US OFF, I HAVE SEND XXXX NOTES ON LINE BECOUSE OF THIS CITUATION AND GOT BACK ONLY XXXX RISPONDS SAYING, THERE ARE LATE FEES OF {$12.00} WHENT THE PAYMENTS ARE LATE, LIKE I DO N'T NOW THAT, THERE ARE CHARGING ME LATE AND ACROW PAYMENTS WHENT I HAVE FIX RATE! AND HAVE PAID ON TIME, I PAID THE XXXX OF EACH MONTH AND THE LATE PAYMENT STARTS AFTER THE XXXX, THEY ARE COLLECTER AND SINCE THEY CAINT RICED THE RATES THEY HIDE IN THE LATE AND ACROW PAYMENT TO RIP US OFF IN MORE MONEY, IF IT KEEPS RISING THAT WAY, I WONT BEABLE TO PAY,,,. I EVEN GET SCARE WHEN I AM GOING TO CHECK ON MY MORGAGE PAYMENT AND SOME OF THE PAYMENT ARE NOT EVEN POST IT ON LINE, WHEN THEY HAVE DEDUCTED FROM MY BANK, WHY DO THEY ALOUD THOUSE COMPANY TO DO THAT,, THATS VERY STRESSFULL, XXXX XXXX XXXX SHOULD BE SUE FOR SELLING OUR MORTGAGE AND NOT LETTING MORTGAGERS NOW, AND PUT US IN THOUSE PEOPLES HANDS TO MADE OUR LIFE MISSERABLE, I AM SO MAD AND FRUSTRATED. NEED HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by Ocwen. As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the  XXXX  months for forbearance are now being reported as 90 days late. This has tremendously brought down my  XXXX   XXXX . I spoke with the Ombudsman from  Ocwen  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  Ocwen  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from   XXXX   XXXX   and the undue stress of their practices is wearing on me. I think Ocwen needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On or around XXXX XXXX XXXX several collection accounts were removed from my report and placed backed on. My score also dropped XXXX points once that happened.

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