milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have sent requests to Navient many times to lower the interest rate to make this more affordable for me and the lender wo n't because it 's un-subsidized. I have two other loans with them that I ca n't begin repayment on because this one is too high. 

That said, whenever I have made payments over what I owe, the next payment decreases instead of them applying it to the principal to reduce the interest being paid. They have done this with each over-payment and continue to do that. The interest rate keeps increasing and there is still unpaid interest even though I have sent in hundreds over what I owe. My chief complaint is that they are misapplying funds to keep the interest as high as possible. 

XXXX - {$300.00} XXXX - {$300.00} XXXX - {$300.00} XXXX - {$300.00} XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (Credit card) with P&B Capital Group, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls from XXXX from XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent XXXX breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.

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 04-09-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: over the past 2 years Bank of America has harassed m by misstating my requirement for a HARP loan and or modification by requesting the same documents which were sent and than stating they had aged over 90 days and requesting the same information multiple times and finally offering a modification which caused more hardship than relief. Seems as if they are simply not interested in the proper use of HARP funds entrusted to them to offer help. Late charges were overstated even though payments were not late as per the terms of the contract as well as escrow accounts being over stated even though we were trying to resolve the issues and there is no one to stand with me. In regard to checking accounts, transactions are manipulated to allow them to charge more fee. Larger amounts paid first so that account shows overdrawn and smaller amounts processed out of order and fees charged. Guess they need the money. I believe they are in violation of state and federal statutes relating to XXXX treatment. I was out of work for 4 months in 2015 for XXXX problems and suffered XXXX issues as a result of the XXXX over the actions of Bank of America. They have reported me to credit bureaus as being 4 months behind in mortgage payments even though I had tried many times to discuss the issues and communicated by phone and letter with no resolution other than continuing harassment. What to do??? I have tried to refinance with other companies but could not do so primarily due to alleged late mortgage paymnts.

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 05/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit determination

Complaint: XXXX M I XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXXCapital OneXXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX : Account # XXXXDear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accountsAnd maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to above mentioned accounts with the XXXX major credit reporting agencies. 
Although I made a late payment on XX/XX/XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payment was a temporary oversight and it has not occurred since that time. The late payments I am requesting deleted and / or removed occurred on XX/XX/XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
SincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding scams using XXXX XXXX  Hospital of  XXXX XXXX Indiana of XXXX county Indiana frauding scams frauding my documents of serial numbered documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX all from XXXX county Indiana Then others frauded my documents of my brother documents of XXXX Hospital of XXXX  XXXX Indiana of XXXX county Indiana of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Others frauded my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX Hospital Others frauded my documents using my immazation record XXXX  XXXX XXXX XXXX county Indiana Others frauded my FBI registrations of my XXXX XXXX  career and also frauded scams using XXXX elementary School of XXXX XXXX Indiana of my documents as XXXX XXXX and business Others frauded my documents of XXXX high school as XXXX XXXX in my states Fraud scams using business permits and products and retailers store 's and semi trucks companies and CDLs and resterants franchises using Cole slaw and auto stores frauding scams using XXXX  and then frauding scams using My grandma documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frauding scams using using XXXX XXXX XXXX married to XXXX XXXX all decest  closed out social security files Others frauded XXXX XXXX married to XXXX XXXX XXXX of XXXX county Indiana and XXXX XXXX of North Carolina

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 03/22/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (NJ).
Issue: Trouble during payment process

Complaint: I have had a very difficult time dealing with XXXX ( subserviced by Loancare ). My account has always been current ( no missed payments ). First, they transferred my servicing to Loancare and didn't make it clear when/if my autodraft would commence. Apparently it would not commence in time for the XX/XX/XXXX due date and so I wasn't aware my XX/XX/XXXX payment did not go through as a result. I went to the website, which was down and inaccessible. I called their customer service to make a one-time payment and set up autodraft. Then, when the website was back up, I was unable to find a record of the one-time payment. So I initiated a one-time payment myself on XX/XX/XXXX. Then, a few days later, my one-time payment and another one-time payment went through, effectively causing my account to be drafted for two payments at once. At this point, I want to have my autodraft suspend the XX/XX/XXXX payment since I am paid through to XX/XX/XXXX. However, the website is telling me that I can not access the autodraft information online. Just a week ago, I was able to. I do not have time to keep calling Loancare/XXXX to fix problems due to their sloppy website and communication with borrowers.

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 09/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: As of XXXX/XXXX/2015 at our third modification meeting, we had met with bank represanative XXXX XXXX for Nationstar XXXX mortgage Servicer XXXX Mediatior XXXX, our Realtor & attorney present. During this meeting we were told specific steps by the bank we needed to follow to proceed with short sale. XXXX/XXXX/2015 House on Market. XXXX/XXXX/2015 received cash offer on house same day as mediation. XXXX called bank & bank counter offered & stated higher amount needed to settle with bank. XXXX/XXXX/2015 Cash Buyer agreed to new terms. Offer pending since XXXX/XXXX/15. BPO done on XXXX/XXXX/2015 .XX/XX/XXXX15 Home Search notified our agent of an auction on property. XXXX/XXXX/15 Cash Buyer cancels offer due to auction. Auction Dates XXXX No offers. Porperty still on market XXXX/XXXX/2015 Home Search notifies realtor of new auction. Auction Dates XXXX. XXXX received notofication from XXXX XXXX short sale coordinator that short sale purchase agreement auction has been received.XX/XX/XXXX Offer sent to us & our attorney. XXXX Attorney has concerns about agreement : stating who is the " Seller '' and also Escrow Date of TBD. Also emailed XXXX XXXX coordinator concerns so she could forward to Nationstar. Meantime Home Search ( Auction site XXXX contacting Auction Buyer stating they want to close in 15 days. Buyer notifies our realtor of correspondence. No correspondence/contact to XXXX XXXX XXXX short sale coordinator ) our Realtor, our Attorney, from Nationstar or Home Search. XXXX Nationstar requesting new BPO??

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with Siwell Inc (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home XXXX, 2012 with a fixed mortgage loan. It appears that my original loan had an error my property taxes were calculated by 1.25 % and should have been 2 %. My mortgage company has paid my taxes in full, however I have a -escrow balance that needs to be paid off in 12 months of over {$300.00} additional per month to my loan. Is it my burden for their error in calculating my loan docs. There has not been any increases in my property taxes or insurance premiums.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Bank account or service (Other bank product/service) with UBS BANK USA (FL).
Issue: Account opening, closing, or management

Complaint: I and my sister are beneficiaries of an IRA owned by my father who passed away. I have submitted the proper paperwork to UBS Financial and they acknowledge receipt. They are witholding the funds because they state that they will not make distribution until they have all of the paperwork from the other beneficiary. I do not believe that there is a legal basis for witholding the money due me but they have been giving me the runaround. Of course this costs me money while they hold onto it as long as they can get away with it. They are a big organization and shuffle me around to anonymous people so I hope that you can help me break through to them.

Company response to consumer: Closed
Consumer complaint received 03-07-2017 about Debt collection (Medical) with Account Brokers Inc. (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XX/XX/XXXX, XXXX from Account Brokers contacted me after I moved to Iowa and informed me of a bill regarding XXXX, and she was very rude, which I do have recorded stated that there is a judgement against me and stated that she has put a warrant out for my arrest. She put me in tears before she hung up. I do have this call recorded. 
Today XX/XX/XXXX, I have n't heard from this lady in a long time. She contacted my job and tried to be so sweet, I informed her not to contact me at work and she stated I thought you were moving back to Colorado, I said I never said I was moving back to Colorado and she stated yes you told me that when I last spoke to you back in XXXX, I said no, and she argued that for a minute and I said I do remember talking to you and you were very rude to me, so goes " are you kidding me! '' I said yes you were, she then proceeded to state that I do have another account for XXXX and how would l like to take care of it. Said I cant make payment today and will contact her in two weeks. She started getting very rude and I said I am sorry, but I am at work and will call in two weeks, I asked her to email me the information so I could look at it and she stated NO, I can not and will not do that. I said then I will call you in two weeks and speak to a supervisor and I hung up on her.

Company response to consumer: Untimely response
Consumer complaint received 01/30/2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I contacted AAFES after XXXX ( my debt negotiation administrator ) let me know that AAFES /XXXX XXXX will not negotiate our account. I explained this to AAFES and requested that i start paying on my account again. XXXX XXXX spoke to me, set up my ACH monthly payments and sent me an email with the Voluntary Payment Plan Agreement. I signed the agreement and emailed it back to BOTH XXXX and the XXXXXXXX email box on XX/XX/XXXX. It states on the agreement that if I don't agree and make payments, they will send my account for XXXX XXXX  and take my tax refund. My payments started on XX/XX/XXXX and have come out each month. I did everything that was expected from me. On XX/XX/XXXX I sent them my Hardship package to bring my interest rate back to 10 %. They had doubled my interest rate to 20 % when XXXX was trying to negotiate on my behalf. I have a fax confirmation that shows all pages went through to AAFES. I called AAFES on XX/XX/XXXX to follow up on the interest rate reduction and was told that I needed to call XXXX collections because AAFES sent into to collections on XX/XX/XXXX. AAFES never informed me that they were sending to collections. They had been taking my payment monthly and sending the monthly statement showing my payments. I called XXXX XXXX at XXXX on XX/XX/XXXX and explained all of this. He called AAFES and they told him that they never received my Voluntary signed agreement. I sent him the emails and fax confirmation showing that they are lying. My balance from my statement received shows {$4300.00}. Per XXXX, the new balance with the collection fees is {$5100.00}. I also verified that they're taking my tax refund this week. This is so wrong. I did everything that I was told to. Because they messed up, they're taking my refund and adding {$770.00} to a balance that I was already paying and they've gouged the interest rate. Please help. Thank you kindly.

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 05-04-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: In 2010 I became 120 to 149 days late on my mortgage and ended up with a large amount of fees that through this agency was reduced from {$22000.00} to {$7200.00} in unpaid fees and late charges. They said the fees were past due interest moved to the end of the account and called 'fees ' to avoid capitalization or further interest.I asked for a detailed breakdown of those charges and never really received one though I did get the reduction. That still seems too severe to me. My mortgage rate is 11.88 % and if that is applied to the full {$1400.00} Paid each month over 6 months it comes to {$2700.00}. If the late fee was {$57.00} a month that comes to {$340.00} and added to the to the above lost interest and that would come to {$3000.00} which would still be outrageous since that looks to be 400 % a year in interest but is also {$4800.00} less than what they say the fees are. 

I have tried to be reasonable and now have come to the end of my patience. Because Wells Fargo set me up with a Forbearance Agreement ( that does not qualify for a HARP loan ) though HARP Loans were available, because this affected my ability to refinance and effected my credit, because it has limited my financial ability to make improvements in my house or other financial investments, because it has limited my ability to find more satisfying employment, and because this has taken time and energy and has been so stressful I demand Wells Fargo either take {$60000.00} off the equity of my mortgage or give me that sum in cash. If this is not provided within 30 days I will consult with an attorney and ask for considerably more.

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 04/24/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MD).
Issue: Unexpected or other fees

Complaint: I recently use the service Venmo to transfer money to a friend of mine who I owed {$600.00} to. I transferred that amount to my friend using the Venmo mobile app. Once I submitted the transfer, I noticed the amount jumped to {$620.00}! There was an instant 3 % fee that was charged. It would have been nice if I had know about the fee before the transfer occurred. It was instant, and I had no chance to cancel the transfer. I thought this was very shady on the part of Venmo. I contacted the company and they said the 3 % was assessed because my account was linked to a credit card which causes the fee to occur. They declined to get rid of the fee citing the terms of agreement. However, it 's important for customers to at least review the upfront fee before they transfer the money. That 's all I wanted, a choice. I was not provided that.

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 06-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian report number : XXXX, per the credit report the following accounts were supposed to be deleted in XXXX 2016. Per checking on the Experian website on XXXX/XXXX/16, the following accounts are still appearing : XXXX XXXX {$990.00} XXXX- {$14000.00} XXXX- {$17000.00} XXXX- {$26000.00} XXXX- {$25000.00} XXXX- {$4600.00}

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 10/21/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (FL).
Issue: Delinquent account

Complaint: I had a NFCU credit card and loan and my husband had a XXXX and we fell behind on hard times unable to make payments, I tried to make payment arrangements but they were bullies and would not work with us. So we had to steal from peter to pay for paul and it was very tough. They had no compassion and I think it was unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I found out in XX/XX/XXXX that I had 10 accounts opened in my name and I'm in $ XXXX of debt, when I applied for a rental application, I'm currently XXXX due to this. In XX/XX/XXXX I opened a credit card with chase. This is the only CC I've had or applied for personally. I checked my credit report and sure enough I have accounts opened that I didn't open and at least one opened in another state I haven't been to since XX/XX/XXXX. I also have employment history for places I didn't work at and addresses I never lived at. I'm a XXXX and I haven't talked to my dad in over 20yrs, so I would assume that maybe some could belong to him or someone else with a similar name.I disputed with transunion. It's been over 30 days and there are still accounts that haven't come off.

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 11-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XX/XX/XXXX I RECEIVED A COPY OF MY CREDIT REPORT FROM TRANS UNION DATED XX/XX/XXXX WHICH IS ATTACHED. I DISCOVERED NUMEROUS ACCOUNT REVIEW MADE BY XXXX FROM XXXX XXXX XXXX. XXXX INQUIRIES WERE MADE XX/XX/XXXX, XXXX INQUIRY EACH MONTH PRECEDING XX/XX/XXXX. I WAS TOLD BY THAT NOTHING COULD BE DONE ABOUT THESE INQUIRIES SINCE I HAD AN ACCOUNT WITH THEM WHICH IS AND WAS NOT TRUE. I EXPLAIN TO TRANS UNION THAT I DID N'T HAVE ANY BUSINESS WITH AND AGENCY AND THEREFORE THEY HAD NO VALID NEED OF MY CREDIT INFORMATION OR ACCESS TO MY CREDIT FILE.I AM APPEALING TO YOU STOP THIS PRACTICE AND ENFORCE THE FAIR CREDIT REPORTING ACT. I HAVE HAD SIMILAR PROBLEMS BEFORE AND THE XXXX RESPONSE WAS " WE CA N'T MAKE THEM RESPOND TO US. '' THEREFORE NOTHING WAS DONE TO PROTECT MY RIGHTS BY THIS STATE AGENCY, THIS WAS DONE XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: Hi, My name is XXXX XXXX I have a car loan with BB & T Bank ( XXXX # XXXX ) and It looks like the interest payment amount keeps going up instead of going down every month. I thought interest payment should decrease over time and monthly payment applied to Principal should increase. However, payment applied to principal keeps decreasing every month. 
This Bank is going opposite I need help.

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