milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: OnXX/XX/XXXX, I went into Chapter XXXX Bankruptcy. My School loans which was then serviced by XXXX XXXX, had a balance of {$12000.00}. During the 5 year Backruptcy, the trustee made monthly payments totaling {$7300.00}. I received a notice on XX/XX/XXXX from Navient, that I still owed a balance of {$10000.00}. My interest rate is 8.25 %.
This is the information from the National Data Center 's Claim Summary. I will attach these documents as well.
CREDITOR INFORMATION Creditor Name XXXX XXXX XXXX
Mailing Address ATTN : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Contact Name EXT # XXXX Phone Number ( XXXX ) XXXX CLAIM AMOUNTS Claim Amount {$12000.00} Scheduled Amount {$12000.00} Monthly Payment {$0.00} Principal Paid {$7300.00} Principal Owed {$8.00} Principal Due Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom it May Concern : I have a mortgage with Compass Bank ( loan number XXXX ) which I am trying to refinance. The bank has quoted a payoff quote that is excessive. My current statement attached shows a balance of {$150000.00} as of XXXX. A mortgage payment was posted after this statement was issued ( XXXX ). However, they are showing a current payoff of over {$160000.00}. When I called their customer department they informed me there was a {$2900.00} interest charge added to the payoff. They are researching this situation in order to verify the payoff amount and have asked anywhere from XXXX to XXXX hours to conduct their audit and respond. 
I believe this shows some significant issues with a bank operation when they proceed to offer such gross negligent payoff quotes. Fortunately for me I am knowledgeable enough to understand there was an error in their calculations. My concern is that Compass Bank may have issued many incorrect payoffs in the past and have not provided refunds to less sophisticated customers. If they know of a system problem, they should have corrected this by now. 
A suggest an audit of their operations in calculating an providing payoffs would be appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Credit card) with Nationwide Debt Management Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have received several calls to attempt to collect on a XXXX XXXX XXXX and have been subjected to very abusive and adversarial language. On XXXX/XXXX/2015 I received a call from XXXX from XXXX asking me to " man up '' and pay my debt, after I had advised them that I had experience a significant reduction in hours at my job. I work in the XXXX, and with the price of XXXX my income has been reduced by 50 %. After insulting my masculinity for being unable to pay, he called my wife at her place of employment and demanded payment from her. She has nothing to do with this debt, she was not a cardholder and she does not have permission to receive personal calls at work. He verbally abused my wife as well. I am concerned that this company may not be a legitimate company or have the proper authority to collect this debt because I do n't feel like any legitimate company would be that obscene when working with customers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a vehicle purchased through XXXX and had an accident in XXXX of XXXX. The vehicle was damaged beyond repair and the insurance arm of XXXX made payment to XXXX bank for the vehicle. Fast forward XXXX years, I have been accepted for other forms of financing, and was applying for a small business loan and in XXXX XXXX there is a charge off on my credit report from XXXX. They had sent the account to XXXX and as soon as I was made aware, I challenged the account because I had no idea it existed. When they told me it was from that same vehicle and I owed {$3900.00} and some change, I paid the account in full. 

I then contacted XXXX to make them aware that they are supposed to notify me that I had a missed payment, or even that a payment was due. They did not. They keep telling me they have records of the attempts to notify me, but I have n't moved and my address has been the same. 

As soon as I was made aware of the debt I promptly paid within a short amount of days. Had I been made aware of the debt, more than 2 years earlier, I would have done the exact same thing and paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has not corrected their information on my credit report. The XXXX account is still reported as open when it is actually closed. The Merchant closed this account and reopened another. Please assist in helping me get this information on my credit file corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2017 XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies equfax XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Other

Complaint: We are legally married for more than 10 years. Now I have XXXX Rewards store credit card for about half an year and accurately paying my balances. I called XXXX Bank who issued the card several times to add my wife XXXX XXXX as a joint account holder but they refused. We have same household and marriage certificate and a number of joint credit cards and joint bank account since 2004. It is absolutely unclear why my wife can not be joint account holder and may be only authorized user without supplying her SSN and report to credit story.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am very upset with the XXXX dollars I received on your behalf for the lose of my home.This was a complete nightmare and the XXXX dollars is so unfair and a slap in the face. I need help to sue them myself and at least get my money that is owed to me. I 'm sure you understand that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My spouse and I signed and submitted my request for the REPAYE program on XXXX/XXXX/2016 electronically through XXXX. The request reference number is XXXX. As of XXXX/XXXX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Student loan (Federal student loan servicing) with MOHELA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Because of losing a XXXX I was unable to work for almost a year. I fell behind on my bills. I filed a chapter XXXX bankruptcy. I paid back everyone I owed % XXXX of what I owed! Three months early. Even my daughter 's student loan that I had signed for. Now two months after my discharged in which I thought I was debt free I get a letter from XXXX XXXX XXXX XXXX stating that I still owe MOHELA money. Apparently even though I was making monthly payments to them through court. they were charging me interest. Now they what that interest to be paid. They are charging me interest on my interest. They said that becuse I fell behind that they could " capitalize '' the interest and turn it into principal. therefor I ca n't even get the tax deduction. When I file my chapter XXXX they submitted a claim to the court for what I owed them. Why did n't they ask for the full amount then. 
it 's like a loan shark. Even after you pay them you will always owe!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is a dispute for loans that have been filed illegally without my permission and misconduct use of my stolen personal information ; It is Fruad Identity as I did not file this loan nor did I sign for any such loans. I have n't been in any type of schooling for well over 8 years, and while I was in school I was on Scholarship for 3 years. 

I never filed any form online for such loans and I never signed any electronic form for any loans online. Again this is Fruad Identity and I am disputing these loans. 

Thank you in advance for your patience and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Hi CFPB, I 'm writing to you in the hopes that you can help me resolve this issue with Citibank. On XXXX XXXX, 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer of XXXX XXXX XXXX Miles in exchange for opening a CitiGold account, scheduling two bill payments, and spending {$1000.00} from the newly opened account. By XX/XX/2016, I fulfilled the terms of the offer. On XXXX XXXX, 2016 at XXXX PST, I called Citi and confirmed that I fulfilled all of the terms and will be receiving my bonus. On XXXX XXXX, 2016 at XXXX, I made a 2nd call to confirm my eligibility and that I have met all the terms. " Yes, you are eligible and have met all of the requirements. Please wait 60-90 days from the day you fulfilled your requirements for your miles to post '', I was told. On XXXX XXXX, 2016 at XXXX PST, I made another call to Citi to ask where my miles were. " They 're coming, you will receive them no later than 90 days from the time you met your requirements. '' On XXXX XXXX, 2016 at XXXX PST, I made another call to Citi to ask where my miles were, at which time they informed me that I will not be receiving my bonus because I was not eligible, and that they will start an investigation for me and that I will hear back no later than XXXX/XXXX/16. On XXXX XXXX, 2016 at XXXX PST, after not hearing back on XXXX/XXXX/16 as I was told, I made another call, to which I was told to sit tight until the investigation was finished. On the morning of XXXX XXXX, 2016, I was told by an email that the investigation was complete and that I was not eligible despite what the previous reps have told me. On XXXX/XXXX/16, at XXXX PST, I made a call and asked for a supervisor. The supervisor, XXXX, was very curt in telling me that I was not eligible and should have saved the mailer with the promotional code that I signed up with. This was after me informing him that I called twice in XX/XX/XXXX to confirm my eligibility and thus had no reason to keep the mailer, to which he responded " I do n't know how you deal with your mail but an organized person would keep all of the mail of a promotion. '' Citi has strung me ( and doubtlessly many others, seriously, with the way Citi is treating me, I have no doubt there are tons of people filing a complaint as well ) along for more than 3 months now. I have fulfilled my end of the bargain, and have received multiple assurances that that is the case, it is time that Citibank honors the deal that I signed up for.

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 10/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: An account was deleted because it was inaccurate and not verified. It has been re-added without notifying me and without proper verification.

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 06-10-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IN).
Issue: Managing the loan or lease

Complaint: Ally Financial is reporting me as being late on XXXX, XXXX and XXXX 2016. I have made my payments on time. I know I had late payments in the past but I have done everything I could to ensure I pay on time. This has to be an error in the system.

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 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Titan Receivables, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a co signer to bail a friend out of jail i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was in school for a long time. I received an XXXX degree and wanted to further my education. I went on and received a XXXX degree and then went on to receive my XXXX which again had another XXXX within the program. I owe XXXX in debt XXXX for federal loans and XXXX private loans. I should have not finished college. One of my private loans I had to make payments while I was in school. During this time my husband lost his job. So I was in a program which then I had to take private loans to manage everything. My last semester I was considered part time and My loans all became due. I had to take a test to get my licensed to get a good job and it took me about 4 months by then I had XXXX judgement and most of my loans were sold. So when I finally got out and was licensed I had no idea where all my loans were. I had XXXX with AES and I asked them to give me one payment. They would not do this I had several payments everywhere I was so far behind just getting out I only paid a few of them. Now I had that judgement from educap which they sold my loan to a attorneys office. It has been 5 years almost and they just now garnished my wage. I also same time now have another XXXX National Collegiate sold to attorney and they are garnishing my wage I do n't know what to do I am unable to consolidate due to my credit score. I am considering bankruptcy. However, I have spoke with XXXX diff attorneys and received XXXX different scenerios. Please help. XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (I do not know) with Receivable Solutions Specialist, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently checked my credit report and I have discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contractual agreement with this company and neither have they provided me services nor goods

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 02/19/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I need to dispute an item on my credit report, Chase Bank is refusing to give me my Checking and credit card statements.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: A person named ( XXXX XXXX ) has repeatedly called me to collect an old payday loan that I had tried to pay off. When I realized I could n't pay the loan i made arrangements with Check N Go to pay so much a month over a year ago. After a few months I forgot to pay and did n't hear from them until recently. 

When I told XXXX XXXX that I was on Social Security and VA XXXX and am unable to repay the loan we made an agreement that I could pay {$25.00} a month begging XXXX 2015. I told him I would pay when my check came in. 3 days before my direct deposit came in he ran the check through my account over drawing it and costing me {$140.00} in over draft fees. When I contacted XXXX XXXX and complained he acted like he did n't care and told me he would repeatedly run the check through. I made arrangements again to pay on the XX/XX/XXXX and again he ran the check through the account causing overdrafts 3 days before the XX/XX/XXXX. 

Since that time I closed that account and now I am getting threatening and harassing phone calls. After several attempts to inform XXXX XXXX that I was not able to pay he started calling my family. First he called my XXXX year old dad, then my son, and today my wife at her work

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am having and still is having issue with the XXXX Credit Bureau for the last two years. I have been told that I have to provide information in order to Requested my credit reports and all I get is nothing. I have sent Experian XXXX the information that was requested in order for me to receive my free annual credit report and I have yet to receive my credit reports from either XXXX of theses agencies. I feel like some XXXX with in these agencies are monitoring my credit report. I also believe that XXXX, Experian and XXXX has been issuing my credit report to somebody else other then me I also have belief that my information is being sold through XXXX and Experian there is no reason why I am being Deny my rights to my free credit report every year. I feel like my EUAL RIGHTS ARE BE VIOLATED AND I PLAN TO TAKE THIS AS FAR as I can I also believe that these company in General has share my information with my employer and several others with out my permission. every time I request my report they come up with that same line that I did n't provide enough information well how much is enough. I had enough!!!! I feel like your company is challenging me to legal battle see I only see what I think you are doing and I am aware as long as negative marks remain you are less likely to obtain fair market rates also I understand you carless because its big business for the Credit Bureau to deny you a report then because you need it you will pay for it is the thought I believe

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 12/16/2015 about Debt collection (Auto) with SUNTRUST BANKS, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They changed the amount that was owed after it went to auction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Please. Please please. Someone has to look into the Military Star card process of collecting a debt. They raise interest in debt so high you can not pay it off. They take your taxes, but fail to send you letters stating how much they took and what the new balance is. They keep taking your taxes each year and there is no end in sight. Please. They are hurting military lives so much. I can not believe the government hasnt stepped in to look at their debt collection practices. It cant be legal.

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 09-10-2015 about Debt collection (I do not know) with ERC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection has already been removed from my XXXX credit report and should have been removed from XXXX and XXXX as well. I am attaching proof the the collection has already been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number  XXXX . The courts shows I was discharged  XX/XX/XXXX .  XXXX /DBA  XXXX   XXXX   XXXX  was refinanced on   XX/XX/XXXX , while  I was under wage earner. The new loan is with  XXXX   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