milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was charged a one-time " Repayment Fee '' without any explanation. After calling Navient, the representative told me they have never seen this sort of fee before and could not explain the reason for the charge. I would like for Navient to double check the purpose of this " Repayment Fee '' and refund it if it was done in mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage was sold or transferred to another company without any notice to me. I called today our mortgage servicing company ( SPS Inc. ) ( XXXX/XXXX/15 to make the monthly payment and was told that it was no longer with them ( SPS INC ) I was told it was now with XXXX XXXX XXXX XXXX, when I called XXXX I was told there was no loan with them. I called SPS back and was told that a letter was sent to me on XXXX/XXXX/15 we never received any letter from them or a letter from XXXX saying they now have our mortgage. On XXXX XXXX I called SPC Inc. spoke with our case manager XXXX XXXX, to inform SPS that I changed home owner insurance and wanted to inform them of the new company I was never told that our mortgage was transferred to another company. I received our loan statement dated XXXX/XXXX/15 for the XX/XX/2015 payment ( see attached ) the post mark on the envelope is dated, XXXX/XXXX/15. why would SPS send us a statement requesting payment to them for XXXX/XXXX/15?, SPS ; states that a letter was sent to us on XXXX/XXXX/15 saying our account was transferred to XXXX?? we never received a letter from SPS to this date nor have we received any correspondence from this so called XXXX XXXX. my complaint is, is it legal to do business this way?. Just who do we pay our mortgage to? we are trying to establish our credit status to apply for a VA loan this can do harm to our credit worthiness ( this is a FHA loan ) please help us resolve this issue. thanking you for your prompt response to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I belive the date was XXXX/XXXX/17 between XXXX & XXXX PST, when a XXXX XXXX from XXXX XXXX XXXX called my job on our recorded line and after being advised that the call was recorded asked for me using my first & last name. I was on the phone with a customer at the time, but sit right next to my manager that took the call. I could here him as he repeated my first & last name and asked XXXX if her call was personal or business related. She must have said personal or something related because I heard him tell her the employees could n't take personal calls at work twice. However, instead of ending the call, Citi Costo Card, XXXX XXXX XXXX & their rep. XXXX XXXX proceeded to embarrass, humiliate me & caused me to get repremmended by insisting on leaving a non-prompted message for me. Next thing my manager is handing me a sticky note and telling me what sounds like a debt collector called & insisted on leaving a personal message for me after he advised we ca n't take personal calls. He said XXXX XXXX from XXXX XXXX XXXX said she was calling to give me some information. Then had a few words with me about personal calls. 
XXXX left the XXXX # for XXXX XXXX XXXX along with her extension XXXX. Which is misleading cause they call from a different # which is a TX state phn # XXXX XXXX XXXX XXXX. Now I 'm XXXX because this can come up during a group random call review in training. Anyway now my job has this on record/recording which is not only humiliating but can be damaging to my reputation and profession and could cause me to lose my job. Later i found that Citi Costco Credit Card div is having them call. How could they have them do this to me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX, I called Transunion to remove inquires that I did not authorized. I spoke with a US Rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him what happened and how the US Rep was deleting unauthorized inquires and could he continue. He told me that he could n't do it. Again, I explained that the other US Rep was in the processing of deleting these unauthorized inquires. However, he did not care. Needless to say, he did n't help me with what the other US Rep was more than willing to help me with. There 's XXXX inquires from 2016 from car loan places. None of these places had my authorization to pull my credit or anything relating to this matter.

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 04/28/2015 about Credit card () with U.S. BANCORP (VA).
Issue: Advertising and marketing

Complaint: I am writing to complain about U.S. Bank. I recently applied for a U.S. Bank XXXX XXXX Premier Visa Signature Card credit card and was approved. One of the major reasons, I applied for the card was an advertised benefit of " Bonus Award Nights '' where any award stay using XXXX XXXX points got the the last night free. This benefit is offered ONLY to U.S. Bank XXXX XXXX credit cardholders. 

On my XXXX statement I received from U.S. Bank as a XXXX XXXX credit card holder the following notice was in the statement : Program Update Notice For Your XXXX XXXX VisaStarting XXXX/XXXX/2015 Cardmembers can earn a Free Night at a XXXX XXXX hotel by spending {$10000.00} annually and paying an annual fee. Free Night replaces Bonus Award Night. Terms ( & conditions apply. 

I am upset because a benefit that was advertised when I applied for the card is being taken away with little notice right after I applied. I contacted U.S. Bank using the phone and was told they can not do anything about my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: When I applied for this payday loan through this company I was approved for XXXX. The loan was for my school fees and supplies. I was told that I would have to XXXX and that includes interest and the first payment towards my interest. I was fine with that so I proceed with the loan. When I went in to sign my documents I notice that I could not see the payment schedule or the interest rate sheet. I signed all of my documents and I received the funds. When It was time for the first payment, I payed everything. So I thought everything was okay. The next month they tried to process another payment on a different date, it was rejected because of lack of funds and received and overdraft charge. After this I logged into my account through them and found out that my amount had not went down, but it increase to XXXX. I contacted the company and I asked them why where they doing this, why has n't my principle decreased and Why is my payback amount is so much. I was told because of the interest. I told her that it was unacceptable, and I was not told that information. I asked the customer service representative that I want to speak with the manager. She transferred me, I waited for two and a half hours waiting for the manager. I hung up and called back and explained again, I received the same respond but this time they hung up the phone. I tired to called back on a later date so I can try to work out this issue with them. I explained to them that I am in XXXX school and my hours have been cut down because of the high demand of the program. I told them that I could pay a lower amount do that this issue can be resolved but I was met with threats of lawsuits and jail time. I just want this issue resolved and this stress off my back. This was the worst mistake of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Vehicle was parked on private property, in a 8 unit apartment building, vehicle was repossed on X/XX/17 @ XXXX. Neighbors complained about some unknown damages to they 're vehicles and want to hold me accountable for it. My complaint is on the repossession company XXXX XXXX XXXX ( XXXX ) hired by XXXX XXXX. I 've discussed payment arrangements with my finance company but I still feel the repossion was unfairly done.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Westlake Financial SVC. held Title & the loan on my XXXX XXXX XXXX beginning XX/XX/XXXX**. They were paid by XXXX $ XXXX by my INSURANCE in XX/XX/XXXX yet kept a {$15000.00} balance on the Account until after XX/XX/XXXX. The problem is Westlake repeatedly reported incorrect and conflicting information to all 3 credit reports. 
First, I could not possibly have taken the Loan on XX/XX/XXXX because my Drivers License was reactivated on XX/XX/XXXX. This alone would should 've resulted in Westlake correcting the Monthly DUE DATE. Westlake reported to XXXX & XXXX " XX/XX/XXXX PAST DUE > 30 days ''. In fact they have admitted on the phone that records show I paid 2x in XX/XX/XXXX. 
On XX/XX/XXXX, accident destroyed the car. XXXX car insurance paid the claim in a timely manner despite Westlake taking 3 weeks adhere to XXXX protocol in releasing TITLE. I was charged and paid a ransom of {$600.00}. XX/XX/XXXX Claim paid by XXXX. Westlake 's sister company " XXXX XXXX '' paid as well. They also posted payments to someone else 's account to add to mess so the XXXX XXXX+ remained on my report .Westlake reported and charged me after TITLE was sent to XXXX. 
I only ask they keep their word to correct the 1 late payment during claims process in XX/XX/XXXX and correct XX/XX/XXXX because I paid 2x in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Late fee

Complaint: I have a credit card that is with Bank of America it has been on auto pay for years. The auto pay did not happen in XXXX. I was not aware of why because I did not stop the auto pay. Bank of America Charged me a late fee due to none payment. After calling Bank of America and speaking to the bill pay department, the online department the credit card department and transferred back to online banking I was told that there is a system upgrade that caused an issue. However they still charged the fee and could not confirm that the auto pay was going to happen in XXXX. If they knew there was a system issue why would they not auto correct the issue instead of charging the fee? Because they want to XXXX from people and hope they do n't complain. It took XXXX minutes out of my day and no department took real responsibility they are making it difficult so that people give up and they can collect fees they should not even have charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I 've disputed the account sent supporting documentation along with dispute. The dispute took over 30 days ... ... the first results an email was sent to me notifying me that there 's a status was unable to get results. Tried calling could never get a live person an automated told me to check online. After a few months checked online to see 2 no dispute completed but no results. After calling 2 weeks I finally called the PRODUCT/sales line and got someone who at first tried to SOLVE my issue by giving another number to call after arguing with her she was able to get a live dispute person. When I spoke to her her tone was short with me but I expected this as I was arguing with the comworker. I was told although you sent supporting documentation it was forwarded to the collection agency and they " verified '' it accurate. When I asked about how they verified I was told the collection agency does it as they are the ones reporting. I 'm not understanding how the same agency reporting the error can also be the same verifying the error as if they will say we made a mistake or committed fraud as they knowingly reported false information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I never did business with XXXX XXXX, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This Bank of America credit card account was opened by my ex wife nearly 2 years BEFORE we were married. In our divorce decree, she agreed to take responsibility for the account because it was solely hers. I never had access to the account, nor did I ever use it. Shortly after our divorce, she quit making payments and B of A attempted to collect from me. She later filed bankruptcy and this B of A account was covered in that bankruptcy. Regardless, B of A has continued to attempt to collect from me. I have made several attempts to contact them to have this removed from my credit, once with a financial advisor who works for XXXX XXXX XXXX, but B of A refuses to give any information or help in any way without providing money or a payment. I have asked them to provide any type of document where I have used the account or signed an agreement of financial responsibility, but they have not done so. I have spend hours trying to receive these documents but have only been run around in circles on hold. The address they have on file for this acct, I have NEVER lived at. My credit is nearly perfect, this is my only blemish on there. I pay my bills on time every time.

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 04/27/2015 about Debt collection (Medical) with Epn, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was notified in XX/XX/XXXX by XXXX that this this collection agency reported to XXXX Date reported : XX/XX/2015 Reporting Agency XXXX Company : EPN INC/CHECKNET Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Balance : {$100.00}. Telephone : XXXX Type : Collection Services - Miscellaneous Company Bureau ID : XXXX immediately called this company the same day and they could not locate me in their data base. They had no current address and had an address on me when I lived in XXXX and no current phone number. I moved from XXXX over XXXX years ago. I gave them the current address and current phone number. This collection agency informed me that the XXXX supplies have been lost in the mail and that I owed XXXX dollars. I was forced to paid this account off because they were also reporting to XXXX. 

I had no way of knowing this had occurred and feel I was not notified by this collection agency in time or given sufficient time to pay this off or handle this account. If privacy assist had not notified me of XXXX reporting I would never had known. I also noticed when I went to view the initial posting in early XX/XX/XXXX certain information were not there on XXXX such as my current address address and that the reporting agency made the report to XXXX in XXXX 2015 during this time I lived in XXXX 

XXXX has XXXX back to clean up its tracks because I reported their negligence and harmful actions to the consumer protection agency. I had credit score over XXXX in XXXX and now XXXX has dropped my credit score to XXXX from XXXX reported today XXXX/XXXX/2015 my new address in XXXX. XXXX also have added to my account that the collection agency reported this to them in XXXX 2015 which I had no notification on from the collection agency. If that was true then XXXX would have notified me. There is no reason for XXXX to hold onto a collection and just now posting it because they are just receiving it from a collection agency that did not try to locate me or give me sufficient time to make payments if so. 

I complain that 1. The collection action did in fact fail in their policies to contact me and did not have my name or records on file just a XXXX address. 

complaint no. 2. XXXX has backed track to cover their tracks and placed false information on my credit report to the fact that they ( XXXX ) received the discrepancy in XXXX 2015 because they ( XXXX ) was reported to the Consumer protection. 
Complaint 3 : The collection company should have called XXXX and XXXX and notified them of the discrepancy in my personal information that I had paid XXXX immediately upon being informed of the collection. 

I feel I am due a refund from the collection agency because I never received any supplies as I have told them AND the XXXX harmful remarks about collections removed from my XXXX and XXXX. 

Thank youXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was able to get my free report ( through XXXX ) from XXXX. I went to the FTC site and clicked on the free annual report link to get the ones from TransUnion and XXXX ... two days ago, but I was told they were unable to complete my request from XXXX sites. I read somewhere that i should wait 24 hours and try again. I just tried again and still ca n't get them. As a matter of fact, TransUnion is now saying they have already provided me with my free credit report ... but that 's not true. And also, Equifax keeps asking me these multiple choice questions about loans I have never done, and that do not apply to me.

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 12-09-2016 about Debt collection (Credit card) with Apex Resolution Group LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A gentleman representing Apex Resolution Group named XXXX i believe first contacted my wife stating that I owed XXXX, and that if we did not pay XXXX of it right now, they were going to freeze our bank accounts that night, and put leans on both our vehicles ( which i own XXXX of the vehicles ) He sent a letter to my wife via e-mail stating that they offered us an opportunity to pay for this debt. We never received any type of letter from this group. I called the number back and talked to this gentlemen stating that this was a scam, and we are not paying any type of debt unless he could provide a debt validation. This man has left messages for my mother, my mother in law, and my wife ; all the while not contacting me directly while having my phone number. The next day he had left messages again for my mother, mother in law, and my wife trying to find out where i work. I called back again and was not happy with him, i was very beligerant with him, and he had stated " How do you like getting calls at XXXX on Sunday morning? '' then he then started listing family members all around in XXXX Kentucky stating he was going to call them all. This has started XXXX XXXX 2016, and has escalated fast because i am filing complaints with CFPB and XXXX, and am going to file a police report today. If they can show debt validation or even send me this information in the mail i would be happy to oblige.

Company response to consumer: Closed with explanation