milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: From XX/XX/XXXX-XX/XX/XXXXI attend XXXX XXXX College ( University ) XXXX Ma, and from XX/XX/XXXX-XX/XX/XXXX Attended XXXX XXXX  College XXXX Ma. I do not recall signing loan checks etc or paperwork for loan payments for the schools to receive payments. After graduation, I struggled to make payments but I did for several years. There was a time I had to file bankrupty for many factors, one I could n't find a job that would offer the salary that would allow me to live normally. Regardless of what the college said of " preparing me to receive a high paying job after graduation. '' I ended up in financial debt and had to file Bankrupty. I reached out to XXXX XXXX and they did not offer any solutions. After some time, they finally offered me different payment options. However, the payment plan was not reasonable and was very high. Deferments and forbearance only took a loan about 10,000 originally, and now it 's over {$33000.00}. Due to other hardships, I have not had the ability to " catch '' up nor have the ability to pay this loan. They have not returned my calls and not have been helpful. I feel as I was taken advantage of financially. They did not reasonably help me find a financially sound way to help me with this debt. It is now three times this size and only increasing. They did not give me options but only profited over the years on my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company procollect was given my account after my duagjter moved out of an apartment complex in which I was guarantor, the charges were way more that anyone would ever pay for simple bathroom and kitchen cleaning for a stove to be cleaned that never even worked the entire time she was there, carpet repair when there was no carpet even in the apartment, I tried to explain my situation and that I would pay for reasonable charges but they do n't care about the principle or my innocence, they insist that I pay the XXXX dollars in full. I have called several times year to procollect and the apartment community and not one person is professional enough to at least investigate the matter. This is the only negative thing on my credit, I have never made a late payment on anything. I am professional RN for 16 years and am able to pay my bills, it is the principle here not the money. The unprofessional manner of procollect and their staff is unacceptable to consumers whom do actually pay their bills on time. The staff never even offered to call the apartment community to see if we could come to a conceses, they basically treat you as a lying flake

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to 20 inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I need the fraud alert removed. It 's okay now.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I really have both Federal and Private loans via XXXX XXXX from XXXX XXXX. They promised me the world and well it all feel short. I realized everything was wrong when my teachers did n't nothing but leave the school because they did n't want to work for them. I was stuck!! Every time they would tell me I needed to come and sign up for my next classes I had no idea i was signing up for more loans. They told me they would help me get a job ... they sent me an app for a XXXX at XXXX : ( They said i could transfer my credits if i wanted to later on ... Wrong none of my credits could be transferred. They did stuff so fast there that you never knew what you were about to get into. When I went to just visit the location to see if I would like it they told me to take a test because I did n't have my SAT scores back yet. I took the test they said I passed I was excited told them I would think about it next thing I know I 'm some how signed up to start school the next month ... .... They are all scams!!! They knew a XXXX year old could never repay the amount of money they asked me too and at that time I had no idea what I was doing because they always lied to me. I have had XXXX XXXX workers ask me if i had a dying family member that could write me into their will so I could make my XXXX a month payment ... I had one tell me to go XXXX someone to be able to make a payment .... Now all of my credit is horrible and I ca n't really do much about it due to the fact I do n't make XXXX a month extra to pay them. I just need help

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is reporting a public record as a tax lien and not a tax judgement. I was told by New York that that it was a XXXX then a judgement. It is being incorrectly reported.

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 04-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My parents have never missed a payment on their mortgage however Green Tree LLC ( previously XXXX XXXX XXXX ) claims they have missed payments. In 2013 they applied for modification. They delayed the process by not answering phone calls, giving wrong fax numbers, by using other numerous unprofessional tactics. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2014, Green Tree Mortgage took over my home mortgage with XXXX. The statements provided by Green Tree did not provide me with needed information, such as amount due. Instead, the statement read " not a bill '', " for information purposes only '' and " total amount due '' was left blank. I called Green Tree, and they told me that this was due to a bankruptcy. I am not in bankruptcy court, though my wife did file for bankruptcy a few years ago. I asked Green Tree to send me a monthly statement with information, including the monthly amount due, due date, and the total amount owed. To date, I have not received this information. I have spoken to several representatives and sent several letters requesting this information. To date, I have not received said information. I wrote another letter to the president of the company. Although he responded saying that they were looking into the matter, the situation got worse. Now, I am not getting any correspondence from Green Tree. According to a representative, all correspondence is being sent to my wife 's bankruptcy attorney. In XXXX, a company representative suggested that I go online. I did so and to my surprise, Green Tree charged me {$1400.00}. According to a representative, the fees were for attorney costs for my wife 's bankruptcy. Additionally, I noticed that my monthly payment went up from {$700.00}, the agreed-upon amount, to {$800.00}. According to the representative, the increase was to pay for the attorney fees. I was not given any type of notice regarding the attorney fees and the increase. I recently spoke to another representative. I asked that the fees be reimbursed. The representative advised me to send a letter to Green Tree, which I did. Lastly, on several occasions, I have asked Green Tree to send my an application for " auto pay '' so the monthly amount can be deducted from my bank account. I am still waiting for this form. I am requesting that Green Tree 1 ) reimburse me the aforementioned attorney fees, 2 ) send me a monthly statement with the monthly amount, amount due, and amount owed ( balance ), 3 ) send its correspondence to my home address, and 4 ) send me an application for " auto pay. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to Equifax, XXXX & XXXX. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent equifax my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (LA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am in a " rate-reduction '' program with Navient. At a whopping $  XXXX  nearly all of this goes toward interest because  XXXX  loans are at alarming rates up to 14 %. I borrowed a total of  XXXX  private loans while attending chiropractic school. I graduated   XXXX   XXXX   in  XXXX  of   XXXX   and over the course of the la st 7 1/2 yea rs my loan balance has INCREASED not at all decreased. I actually owe {$13000.00} MORE than what I borrowed at the end of   XXXX  . It has come to a point where my husband and I are struggling to make this payment as we have experienced a loss at our private practice due to the massive flooding that swept  XXXX  last  XXXX . Navient is no help. The call center representatives are not only rude and dismissive but undeniably unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was working for a Massachusetts XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX, when i was provided a credit card issued by American Express by owners of XXXX to use for buying for XXXX. This XXXX defaulted some last bill. I was contacted instead of XXXX owners and forced to pay and settle as it was reflecting on my credit report. My repeated requests are not entertained or responded till date that I don't own this debt personally and this should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX Consolidated - Subsidized XXXX Consolidated - Unsubsidized The loans above went into default with the XXXX over 2 years ago and they transferred it to servicor, Navient - long story short I defaulted with them as well. For over a year I have been trying to set up a payment plan, but was informed by Navient that after I defaulted with them - they sent it back to the XXXX. Which to date - they have not been given access to this loan - it does n't show up in their computer system - it shows up that Navient still has it. And when I call Navient - they say its no longer in their system. After going back and forth for almost 2 years, I eventually hired an attorney and contacted the XXXX - we thought we had a solution, but now - 8 months after contacting an attorney I am back to square XXXX. The loans are in cyber space and neither Navient or the XXXX have access to it - therefor I ca n't make a payment plan or make any payment towards the balance. Its been in cyber space close to two years. I have once again tried applying for a mortgage and was denied due to this loan. I need help and it seems everywhere I turn - there is no solution.. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Money was not available when promised

Complaint: In XXXX 2015, I established a PayPal business account for use related to my XXXX. Within one month of using my account, I received a notification from PayPal indicating a limitation was placed on my account and I could not access funds for 180 days. During the one month of my PayPal use ( XXXX 2015 ), my transactions related to the following : XXXX personal deposits to my PayPal account for retail purchases on eBay, XXXX eBay purchases, and XXXX receipt of payment for an XXXX rental. At no time were funds in my account withdrawn to a bank account or transferred to any other individuals. 

Following the account limitation placed by PayPal, I called PayPal customer service and spoke with a representative by the name of XXXX. During my conversation, the representative was unable to specify the reason for the limitation being placed on my account. He indicated PayPal uses proprietary methods for analyzing accounts. As a result, the only explanation of the limitation I have received to date is summarized below from a notification from PayPal : '' XXXX XXXX, 2015 : We noticed one or more of the following problems : You provided information that we believe was false, inaccurate, or misleading ; orYou sent or received money that was potentially related to fraudulent activity ; orYou have more than one account with a negative balance ; orYou are in violation of the User Agreement, the Commercial Entity Agreement, the Acceptable Use Policy, or another agreement you have with PayPal. " I would like to address the aforementioned problems identified by PayPal:1. ) You provided information that we believe was false, inaccurate, or misleading. 
- All personal information in my PayPal profile, including social security #, birthdate, address, business name, etc ... are true and accurate. PayPal has not provided evidence of the contrary. 

2. ) You sent or received money that was potentially related to fraudulent activity. 
- The only funds received during my one month of use on PayPal related to an XXXX rental. The funds were sent directly from XXXX and do not relate to any fraudulent activity. 

3. ) You have more than one account with a negative balance- As of XXXX XXXX, 2015, my account has a balance {$2800.00}. At no time during use of my account was the balance ever negative. 

4. ) You are in violation of the User Agreement, the Commercial Entity Agreement, the Acceptable Use Policy, or another agreement you have with PayPal. 
- After a detailed review of PayPal 's agreements, I utilized the service in accordance with all rules and regulations. At no time were funds ever withdrawn or transferred to outside individuals/entities. My PayPal account was used for retail purchases on eBay and receipt of payment for an XXXX rental.

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 07-05-2017 about Debt collection (Credit card debt) with DISCOVER BANK (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX I responded to a wage garnishment. I went to the court and filed the necessary response. The officer informed me that the company had 30 days to send a response. The 30 days came and went. Since I had asked for a copy of my application and the amount owed at the time of write off I assumed this information could not be found. I then called Discover and was told to contact the agency that had my account. I spoke to a rep who was located in New Jersey about my account. He started to ask my information like address, ss #. I decided that if this company was suing me they should have this information. When I asked this question I was " disconnected ''. I did n't hear from the agency again. XX/XX/XXXX I was informed by my payroll department that my wages would be garnished again I tried to get information. This time I found that the agency is in XXXX XXXX. The practices of this company are sneaky and unfair. I feel I did respond within the time frame. I was also told by the sheriff that I had correctly responded to the order. Why was there no response? The company then waits a year to garnish me without any further notification?

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am a victim of predatory lending. My mortgage rate is 10 %. I obtained my loan through Bank of America XX/XX/XXXX. I was told this was the only rate for which I was qualified, so I signed for it. I had no idea that this was not the average loan rate, or that I could have received a lower rate at that or any other institution. I was stuck! In XX/XX/XXXX, I applied for a loan modification. The application was wrongfully denied for incompleteness. I appealed, the bank admitted its mistake, then denied the loan based on housing expense and income eligibility. Bank of America NEVER addressed the predatory lending issue. I have managed to remain current on my mortgage payments but it is becoming increasingly more difficult as I have been forced into retirement, and my present income is now only XXXX % of what my working income was. I just want, and now, need a lower rate. The mortgage rate Bank of America is charging me is disgraceful and insulting, especially when the subprime rate is not even 10 %. Bank of America representatives will not even address the rate terms nor the detriment to my finances since XX/XX/XXXX. Bank of America 's actions of charging me this outrageous and unfair rate can only be sighted as abusive. I have been completely taken advantage of by this institution. Through a lot of personal choices and lifestyle changes, I have as yet, made my mortgage payments on time, and because my payments have been on time, my situation has not been viewed as a hardship, although it is a hardship and it 's getting harder every month. It seems that as long as I am paying, and the bank is not losing any money, they see no need to modify this loan, lower this abusive rate, or do anything to help me stay in my house.

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 01-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage loan ( first lien ) has been serviced by XXXX and XXXX XXXX XXXX since XXXX of XXXX. 
I have never missed a payment nor been late one time! XXXX service released the loan to Select Portfolio Servicing ( SPS ) in XXXX of XXXX. Now SPS charges {$15.00} per transaction to collect my payment online or by phone!!!!!! Is there any regulation prohibiting these exorbitant fees? No lender/servicer is charging these fees. I pay XXXX mortgage loans that are serviced by XXXX, XXXX, XXXX, and XXXX. NO ONE COLLECTS fees when the payments are mode online or by phone! Please help me. {$15.00} extra is a burden for me. Thank you. XXXX XXXX XXXX XXXXXXXXXXXX SPS : www.spservicing.com XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX 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 01-01-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was a student at XXXX XXXX and I have a genesis loan that they made me get and since, the loan has been sold to UAS and I am still being required to repay this loan when I feel I should not be because of the court ruling XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was unemployed on XX/XX/2016 and Navient would not grant me a forbearance without making a payment of {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit report XX/XX/XXXX : they have still not deleted hard inquiry for XXXX done XX/XX/XXXX ; They did not delete soft inquiries XXXX, XXXX, XXXX, XXXX, XXXX, all done XX/XX/XXXX ; they did not delete fraudulent address XXXX , XXXX, CA XXXX & same address with XXXX ; they did not delete fraudulent employer address XXXX and fraudulent employer XXXX from XX/XX/XXXX. ORIG REQUESTED ALL XX/XX/XXXX with Notary documents and affidavits.

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 12-03-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Problems when you are unable to pay

Complaint: Santander consumer has been ripping me off!!!! I have been sending payments for months and my loan is still at the same amount it was when I first got the loan. And I 'm getting extra charges for literally nothing

Company response to consumer: Closed with explanation