milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have complained to you about Navient several ti mes, and their has been no change in their conduct. For the last two years I had to fight with Navient to  get my remaining  XXXX  loans consolidated into  XXXX . I was given  nothing but a runaround and yes had to complain to the Ombudsman Group to even get them to act. When I spoke to them they had no clue about my loans, made me call several other places, I wrote the U.S. De partment of Education themselves and on and on, Finally the Ombudsman Group was able to get it resolved.     During the process I asked for all of my loans to be placed in a income based repayment, I received a letter from them that they needed my income tax information, t he studentloans.gov is  where I applied for it and the transfer tool was not working. I sit here today and I have reieved several notices from them that my loans will be increased and payment will be due soon. No mention as to what the process of my application is.     I have had a  Income based payment plan, I am trying to continue it. No one at Navient kno ws what the  XXXX  they are doing, no one is on the same page and I am simply done with dealing with them having to do their job for them and every year go way beyond what I need to do to get them to do their job. Check your records and look at how many times I have complained to you and how many other have complained also.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Harris and Harris keeps calling my home phone number and leaving messages. We have no debts yet they continue to leave these messages. The messages do not state who they are trying to reach.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I opened a business checking account at Fifth Third Bank on XXXX/XXXX/16 with bonus offer that was supposed to give me {$400.00} for depositing and keeping {$5000.00} balance during first 60 days and making XXXX debit transactions. I have completed these requirements, but have not received any bonus. I contacted my local branch and they confirmed that I have met bonus requirements, but have not received the bonus due to glitch in their system. They said they would escalate this issue to the regional manager and it should be resolved. However it has been more than a month since then and no bonus is issued. I tried to contact my local branch many times, each time they said that either " somebody is on vacation '' or " somebody is too busy '' and promised to resolve soon. Now they do n't even return my phone calls. It looks like they are not willing to issue this bonus to me, at least nobody seems to be working on this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Debt collection (Federal student loan) with AES/PHEAA (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and does not have much sleep because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR, this is aiding and abetting fraud on the Consumer who is a natural person. 
This Debt Collector has violated have harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this this DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: None of the security questions Equifax asks apply to me - the answer is always None of the Above, and then they say that 's wrong and I am unable to obtain my credit report or file a dispute on an item I know is in there. ( I can see it via XXXX XXXX. ) There are tons of other reports of this exact thing ... It seems like a deliberate barrier that Equifax is putting up.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian has on my credit report date open from XXXX XXXX on XXXX XXXX but first reported on XXXX XXXX and XXXX months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX XXXX months in which the loan was not finance on XXXX or XXXX months it was XXXX Months There was no XXXX written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of XXXX XXXX  showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency XXXX days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX XXXX closed out XXXX as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.

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 02-06-2017 about Debt collection (Mortgage) with FIRST CITIZENS BANCSHARES, INC. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: first citizen bank gave me short term XXXX 7 year loans on my home for 18 years XXXX. was the end of my loan, after I made XXXX payment I went to see XXXX XXXX bk. manager he put me off saying it was too early to start proses I contacted XXXX they wrote me a loan with XXXX loan I was still working with first citizen they said I could get {$300.00}. to {$1000.00}. closeing cost. XXXX had my loan ready with a {$4200.00}. closing I stay in contact with XXXX there was always some delay I finly told XXXX to close. then first citizen charge me a {$5600.00}. late fee it change my debt to income {$29.00}. to low I had to take a XXXX loan with XXXX my credit score was XXXX first citizen cause the delay I never had a late payment for 18 years, I contacted customer service for someone else to handle my loan no change, first citizen cause all the delays and no reasen to charge me alate fee I wont my money back

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is trying to collect a debt that I do not own since this is an error I have requested then to send me proof that I own this debt according to Debt collection practices act section 1692g. 
they have fail to provided me with : A.The original application or contract. 
B.Any and All statements allegedly related to this debt. 
C.Any and all signed receipts. 
D.Any and all cancelled checks. 
Please make them comply or delete this from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: APR or interest rate

Complaint: Congratulations on winning the case against XXXX for consumers!! Well done! I signed on with XXXX in XXXX 2013 and noticed late that they are now charging me 23.99 % after 18 month period, though it is no where stated on the contract I obtained from my XXXX. They do n't give you the choice ( or hide it well ) to receive mailed statements. I had no idea of late charges and mysterious {$2.00} charges and now the 23.99 %. Please help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My loans have been taken out through sallie mae, but XXXX as you know turned their loans over to navient. Navient is trying to change terms within our promissory notes in which states our private loans must be paid back in 48 months. This policy is not listed in our promissory notes that we signed off on, their has been no new promissory note sent to us stating new terms and policies. I am still in school and they are trying to make me pay back loans when I should not be according to the terms that I have signed off on in my promissory note. I understand that the CFPB might be suing Navient I would appreciate if this would be included in the suit. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Supposedly there is a debt that I owe XXXX. It has been with a particular collection agency for the past 8+ years I am assuming ( Since i have not had XXXX in 8+ years ). I just now get a notice from a different Collection agency that they have been assigned this debt from the First agency. So they are sharing my information with 3rd parties for debts that are past the statue of limitations as well as I have no business with either Company. This is not only unethical but it is also immoral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I went in to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX at approximately XXXX XXXX on XX/XX/18. The representative called me earlier this morning to inform me I was welcome to apply for the loan. I decided to stop by to see what I qualified for. I was introduced with two forms to fill out - one application and one authorization to run credit/other reporting. I filled out the application first. The representative then said she had my social security number and was running information. I found this strange since I hadnt filled out the authorization to run my information yet and told the representative she didnt ask me before running it. She tells me I have issues on my XXXX report that shows a charged-off debt to XXXX XXXX. I informed her I wanted to dispute this and need any documentation she has. She told me, Well, this is what I have. I let her know again I didnt give her authorization to pull anything ( I didnt finish filling out the form yet ). She refused to provide me documentation I am entitled to with my personal information on it. I let her know she cant legally pull my information without my permission.

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 10-03-2016 about Mortgage (VA mortgage) with Pacific Home Loans, Inc (AZ).
Issue: Application, originator, mortgage broker

Complaint: During a VA streamline refinance with Pacific Home Loans, we were told not to make our mortgage payment and I was told to date a document one day before without knowing why. I complained to a manager and manager said it is common practice to tell customers not to make a payment once loan is final approved and going to docs. I was told not to make a payment a month before we received a final approval. We almost missed our payment and would have caused us a 30 day late. Our final loan disclosure did not match the loan disclosure we received at closing and did not see a principal reduction or a check for the amount of XXXX. We were told for over a month that we were in docs but never received a call from a processor until a month and a half later. We were lied to consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX with World Finance in XXXX, SC ( as well as other staff members from this location ) have called my place of employment and disclosed that they were looking for me and which business they are from ( ie. World Finance ) regarding a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine.
XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX Present Employee : As XXXX XXXX XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX Present Employer : XXXX XXXX There is no XXXX XXXX plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the Bureau was confirming this names they would no there not right there is no XXXX XXXX as stated. XXXX is all XXXX  which they have several there not no XXXX  company.
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX  no such address nor have I ever live there.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX wrong this is a condo not an apartment Transunion updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong

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 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX or XXXX, I first notified CitiCards by phone about fraudulent charges in the amounts of {$2000.00} and {$1000.00} on my XXXX XXXX XXXX XXXX that posted on XXXX XXXX and XXXX, respectively. I have spoken to at least 20 people in various departments of CitiCards and CitiBank, including CitiPhone, Security Services, and Customer Service. Not once has a single person at XXXX offered me a reference number or case number, let alone a single person or department to contact. 

I was shocked today to be told by a supervisor in CitiCards Security Services named XXXX that the fraud investigator has denied my claim after supposedly determining that the {$3000.00} had been transferred into my bank account. Note that this is completely contrary to what XXXX at CitiPhone ( banking side ) determined on XXXX XXXX when she confirmed my only CitiBank account ( CitiGold checking acct. XXXX ) was fully closed on XXXX/XXXX/XXXX ( after initially being cancelled by me around XXXX of XXXX ). XXXX confirmed there were no successful transfers into my Citibank account, stating attempted transfers were not posted. XXXX made notes in my account clearly stating this, and yet the fraud investigator ignored those notes. I do not have, nor have I ever had, the {$3000.00} or any part of 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 monetary relief
Consumer complaint received 07-11-2017 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: Credit inquiries on your report that you don't recognize

Complaint: There was an inquiry on XX/XX/XXXX from CBNA/BBY and they have been continuously doing this every month. Currently, my wife and I are in the process of buying a home and obviously any inquires can hurt our position. We did not ask for an increase or a new credit card from them and do n't know why they would pull credit on XX/XX/XXXX and do it every month.

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have tried to resolve the issue of the payment posting date with XXXX. They were paid prior to the posting date and have documents to show. They reported my payment 30 days late to the credit bureaus. I called numerous times and all they send me is a letter to show the debt is paid in full. They are not helpful what so ever. I still receive call to get people to come purchase cars. I reached out to their social media no resolution. it made my score drop considerably. I wrote a letter to explain how I have made on time payments and to please reconsider and still nothing. I see numerous complaints from the company and this is the very reason why I saved to get a better vehicle and a company that actually will try to listen. I see this is a common practice with them. I tried disputing with the credit bureaus but all they did was update the paid in full date the same as the delinquent date which makes no sense. They just updated comments and didn't bother to further investigate.

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 06/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Greetings! This grievance concerns a combination of bot h Private and Federal loans and how there combined cost create financial strain for me in our modern economy.      If my math is correct : I originally borrowed {$80000.00} in both federal and private loans. I have been making payments towards my loans since  XXXX  of  XXXX  and have a balance due of {$100000.00}. In fact, while gathering information for this submission I discovered that since  XXXX / XXXX / XXXX  my  XXXX  payments totaling {$1100.00} only brought my balance down {$350.00}.     As of right now each month I pay {$230.00} toward s Federal loans and {$350.00} towards Private for a monthly student loan payment of {$580.00}, or 20 % of my take home pay. With so much of my capital being funneled to my loans It makes saving extremely difficult and have had to rely on credit cards for unexpected life events and am now app roximately {$15000.00} in credit card debt.     My private loa ns (   XXXX  total ) alone make up {$54000.00} of the original amount borrowed and all had interest rates around  10-12 %.      I tried working with  XXXX   XXXX   ( now Navient ) to lower my p ayments. There only solution for me was to file for deferment and forbearance. Or, default on my loans and work with the debt collection companies .Eventually I stumbled on an ombudsman group were I filed a complaint and I was able to get my interest rates lowered temporarily.     However, each year I need to report my income. As I move forward with my career and my salary rises my interest rates on my private loans rise. Its   creating a " 2 steps forward 1 step back ''.
For an example if I earn an extra {$200.00} ( gross ) a month : My income driven plan rises, my interest rates rise on my Private loans, and then I pay state and federal taxes on that extra {$200.00}.

Company response to consumer: Closed with explanation