milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out a student loans for my daughter that is past due and I have been trying to renegotiate payment ; however, I am facing what I consider to be unfair and arbitrary business practices. The negotiation has been in bad faith on the part of Navient and its debt collector, XXXX XXXX XXXX. 
When I first called to settle the staff member only wanted to get me in a loan rehabilitation program. I, however, wanted to have a payoff which would save me money in the long run. Their standard pay off of 91 % of the debt was too high for me. The next day or so, I called back and got someone willing to put in an offer to Navient. Navient came back with an offer that was still too high. I counter-offered and they came back with a HIGHER pay off amount. They said they recalculated according to the poverty levels in each city and state. When asked for the calculations and documentation, they would not supply it. 

I consider it negotiating in bad faith to raise the pay-off amount from their original offer. The agent answered that they do quarterly reviews. It is not the end of a quarter and I find this change arbitrary and unethical. The end of the call noted the collection costs of {$1100.00}. It sounds like they increased the pay-off to cover their own fees. This is an undue burden and leaves me with the sense that XXXX XXXX XXXX is selling their loan rehabilitation program to the continued detriment and debt of the borrower and not allowing any options. 

As the borrower, I have no recourse which is contrary to American values. There are NO telephone numbers at Navient to call. No people to speak to at Navient. I am only able to speak to people who are earning money off of my debt and have no interest in helping me with a reasonable and rational settlement. 

I also believe that an XXXX somewhere and Department of Justice should look into these business practices that actually hurt rather than help the poor. 
Thank you for your kind attention.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Bankruptcy

Complaint: Acct closed under CHPXXXX Bankruptcy and still showing under my XXXX credits reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not mine cause if it was i would not have XXXX under my name now and my bill with them is completely up to date!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, Navient sold off roughly between 15-20,000 dollars worth of my debt to a company called XXXX XXXX , XXXX. Unknowingly, when I came around in XX/XX/XXXX to get right with the debtors and begin paying on my loans with Navient ( I 'd been in the military at that point, and had a stable income ), they neglected to tell me that the debt had been sold off to one of their subsidies. So from XX/XX/XXXX-XX/XX/XXXX to now, I 've been happily paying on Navient 's student loans, unknowing that this interest was accruing with XXXX XXXX, XXXX. Until today of course, when the college that I was trying to sign up with called me back about defaulted student loans. Many phone calls and issues later, Apparently Navient knew that that the debt existed, and is now trying to get me to re-consolidate it again through them like I did the others. So essentially also paying all the interest that accrued, because they kept the sale to themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: Ally Financial formally knows as XXXX is placing the wrong XXXX delinquency date on my credit report in an attempt to keep this account on my credit report for much longer than allowed by law. All reporting agencies XXXX, XXXX & XXXX show the first delinquency date as XXXX, not XXXX. 
The Law states : Collection accounts and charge-offs ( those the creditor writes off as uncollectible, aka charge to profit and loss remain on file for seven years ; reporting commences no later than 180 days from the beginning of the delinquency rather than on the date of any subsequent action. So if there are multiple delinquency dates ( i.e., a consumer went delinquent, went current and then went delinquent again ), the date of the first delinquency is the one that will apply. The running time ( reporting period ) can not be reset by subsequent payment or for any other reason, in any state, except with certain student loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I 've been getting harassing phone calls at home and and work from an attorney office for a loan i had with XXXX XXXX. I told them to stop calling me on numerous occasions over the phone and I even sent them an email telling them to contact me by mail only. They are putting my job in jeopardy every time they call.

Company response to consumer: Closed
Consumer complaint received 03-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I 'm a XXXX year old male, I applied to live at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX Prior to applying I short sold my, home, so my credit reports, FICO score was very low, in the XXXX range. Now keep in mind, prior to applying, I lived in my home for XXXX years, now bankrupties, eviction, criminal record, and after the sale of my home I am DEBT FREE. 
But because of a low FICO SCORE, I was declined residency in XXXX XXXX XXXX. 
I call this DISCRIMINATION BY FICO SCORE. But lets call it what it really is and will become known as, DEATH BY FICO SCORE. 
Remember when HMO 's were not treating there patients, and many died, that was known as DEATH BY HMO, well this is the next to come " DEATH BY FICO SCORE. '' YOU MUST DO EVERYTHING IN YOUR POWER TO STOP THIS WAVE FROM HAPPENING. 
The private sector, is putting billions in advertisements to give the FICO SCORING SYSTEM more VALUE in OUR lives, SO WHATS NEXT?? 
You what to take a vacation, SORRY YOUR FICO SCORE IS TO LOW, YOU CA N'T LEAVE THE STATE. You want to go to a restaurant SORRY YOUR FICO SCORE IS TO LOW, AND ON AND ON. 
You must fight with all you power to ABOLISH THE FICO SCORING SYSTEM, XXXX IS THE COMPANY, THEY ARE ABOVE THE LAW, AND CHANGE THE RULES OF HOW FICO IS SCORED, FIGHT TO ABOLISH IT NOW Thank you.

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 02-02-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: We have been working with Freedom Mortgage company for 5 months to assume a VA loan. Freedom Mortgage has repeatedly requested documents that we sent, then resent per request and received by them months ago. We believe that this is Elder Abuse because of the our ages, XXXX and XXXX. Our lives have been put on hold because of this situation. Daily we have to check the emails, we have written letters and made numerous phone calls to XXXX different loan agents who were identified as handling this loan. We are unable to complete this purchase and have made XXXX extensions of the escrow to date. There is nothing more we can produce that they do n't already have, They sent a conditional loan approval 3 months ago and we have also signed a Borrower 's Authorization. Yesterday we got another letter requesting copies of more documents that we sent to them XXXX XXXX. How can we proceed to resolve all of this abuse? 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank  Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX, RENTAL PROPERTY XXXX, XXXX XXXX XXXX not mine idtheft victim

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX 2015, JP Morgan Chase sent me a text alert about potential fraud on XXXX of my credit cards. They asked if I had used this card at a computer store for X amount of {$.00} and I replied 'no '. I then called JP Morgan Chase and spoke with a representative. They advised they were closing my account and would send me a new card in its place. Now, what 's important to note here is I have not used this card in easily 1 year. However, I assumed maybe a store I had used this card at in the past, experienced a data breach and said store retained my credit card information for X amount of time and that was stolen. I did n't put much thought into it, up until now. The new card I received by JP Morgan Chase was AGAIN compromised. What is EXTREMELY important to note is that I neither activated, nor used said credit card since receiving it. It has been sitting in my drawer at home. On XXXX XXXX 2015, JP Morgan Chase sent me another text alert about potential fraud, once again, on this new card. They asked if I had used this card at a men 's clothing store for X amount of {$.00} and I replied 'no '. I then called JP Morgan Chase and spoke with a representative. They advised they were closing my account and would send a new card in its place. I advised this was completely unacceptable and I did NOT want a new card ; I wanted the account closed out for good as security within JP Morgan Chase is highly concerning. They went ahead and closed my account. When I mentioned to the woman that I have neither activated nor used said card which I 've had for just over a month, all she could tell me was " there have been a lot of data breaches going on ''. It is my firm belief that JP Morgan Chase is either : a ) completely unaware that they are experiencing data breaches of their systems directly, which hackers are stealing CC information from, or, b ) they are fully aware of this and are trying to keep it quiet. Either way, JP Morgan Chase has a *serious* problem that needs to be addressed immediately. Credit Card information ( maybe even SSN 's, etc ) is being stolen directly from JP Morgan Chase 's networks, and they are n't even informing their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

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

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX and Transunion have yet to show me verification that the negative items such as XXXX and XXXX XXXX XXXX and XXXX XXXX is my account it has been more than 30 days I have sent verification that the XXXX was paid off by my insurance company as a toll lost and they have yet to remove it. XXXX XXXX as well never late I have a 10 days after my payment to make a payment and they have been reporting lating this is affecting my credit score tremendously

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 03/24/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (WI).
Issue: Problems when you are unable to pay

Complaint: Our auto loan company, Regional Acceptance Corporation, calls us XXXX times per day. They also call our work and they 've been told not to. We set up payment arrangements with them but they continue to call. I also told them I work XXXX shift and sleep during the day. They usually start calling around XXXX I will attach the letter I wrote to them this morning that specifies more details.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Prior to receiving a clear to close letter from my lender, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had to provide proof of payment for insurance on my condominium unit. This was provided and the servicer is withholding and disbursing payments to my insurer. I am concerned that the servicer is not adequately protecting my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (MO).
Issue: Problems caused by my funds being low

Complaint: I bank at TCF Bank in Minnesota. I purchased a laptop from an international seller, which resulted in me being charged an international fee. When balancing my checkbook, I did n't account for the international fee which resulted in me being overdrawn by {$6.00}. I was then charged a {$37.00} overdraft fee on top of it. I went into the branch and called the customer service line and they just explained that the policy is to charge anything over {$5.00}. I VERY rarely overdraw my account, and thought the bank would take care of its customers in a better manner than charging {$37.00} for an overdraft of less than {$7.00}. In addition, I made a cash deposit the very next day to cover the overdraft situation because I do n't like ever being in an overdrawn situation. This seems outrageous, and I believe the Truth in Savings regulation should be updated to no longer allow any overdraft fee greater than the amount actually overdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with CITIBANK, N.A. (MO).
Issue: Other

Complaint: No contract with this company as they are reportin on my credit 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 10-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: So I have automatic payments set up for my student loans through Navient. I also have been making additional small payments to some of the loans with the hope of paying them off sooner. However I just recently noticed that my automatic monthly payment totals were decreasing slightly. It turns out that when you pay additional money, it decreases the amount per month to balance it out with their expected payoff date, essentially nullifying the additional money you put in. I had to speak to a representative to submit a request to LOCK the monthly payment and prevent this from happening. Although you 're allowed to pay on top of the auto payment, there is no method of setting the amount you want to pay per month, and if you are n't able to make consistent additional payments ( which I am not ), you 'll end up paying out the same amount in interest over the course of their payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended XXXX XXXX in XXXX MA. Now I have Federal and Private Loans. The Federal I was able to consilidate XXXX loans into 1. But I still have XXXX private loans each with large interest rates. I 'm struggling to pay these debt off now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is looking to hold more than {$1000.00} in mortgage escrow account. When they were called they are telling me they need {$3700.00} for the same escrow amounts paid the prior year. Also I have health conditions and have made my payments bi weekly a few times due to financial hardship and they did n't apply my money to the loan they put the funds in a General ledger per the bank representative. I always though the funds had to be applied to the loan when the payment is made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My account with  Continental Finance w as re-billed in the amount of  XXXX  on  XXXX , this is for a disputed transaction, an item I did not receive. Apparently the merchant provided a response to dispute which I did not receive, was not provided. I was not given a chance to reply, my account was automatically re-billed without my knowledge. I found out about it after recently checking my account, it is currently over-limit due to this. The item in dispute, a mens  XXXX  watch, was not in package when received. I 've attached photos of  XXXX  box showing it empty. The merchant,  XXXX , is known to send defective items and or empty watch boxes out. This is nothing new for them, its happened twice in the past. This information was provided in dispute, however, the bank does not seem to care as they have re-billed the amount without giving me the chance to reply in re.

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 02/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My Student Loans from XXXX and Navient are almost at XXXX and I only have an AA degree. For years, I tried to make arrangements with my leander to make affordable payments but I was always talked into being on a forberance program. Because of this the interest on my loans have been astronomical and almost fabricated in my opinion. My desired resolution is for my loans to be completely forgiven because I have been taken advantage of for years. They would ask me for XXXX monthly payements due to interst. this has affected my credit etc for years.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from XXXX XXXX XXXX regarding a debt from Jefferson Capital Group with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to XXXX XXXX XXXX within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, Jefferson Capital Group has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.

Company response to consumer: Closed with explanation