milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/2004 my total student loans were approximately {$30000.00} total, for some technical training and XXXX school. I was able to consolidate them into XXXX loans with XXXX XXXX, which became Navient. I went through a few periods of unemployment over the years and was NEVER counseled that there were income based payment options. As a result, due to deferrments and forbearances, yet paying consistently at all times when I have been able to do so, my total loan amount 13 years later is now closed to {$50000.00}. I would have been more than willing to pay off these loans of that were possible. I 'm certain I 've paid enough to cover the original principal amounts, but with the way interest is compound, payoff is impossible. I will be XXXX years old this year. I work at XXXX, which might as well be referred to as a fixed income - no raises, higher cost for benefits and so on. I struggle with XXXX, and have for decades. Between my illness, this debt, economic issues and the lack of service from XXXX XXXX / Navient I continue to live paycheck to paycheck. Enough already.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CT).
Issue: Charged fees or interest you didn't expect

Complaint: In XXXX I took a personal loan for {$10000.00} with Springleaf finance which was sold to One Main Finance.  My payment was {$220.00} up until XXXX XXXX I was paying additional payment {$75.00} for 12 years. I spoke with One Main to find out why my balance is still {$4800.00}. I was told it was because it was being applied to Finance charge which was never the agreement! Was told that the {$75.00} would be applied to pay this loan. I have never made a late payment. I am XXXX XXXX XXXX veteran think I have be ripped off by both these companies. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Problems when you are unable to pay

Complaint: My name is XXXX XXXX. I took out a loan from Springleaf in XXXX, IL with good intentions to pay it back, but with an extended stay in the hospital ( 1 month ) I am now in a financial hardship so I am now having a company help me with all my debts ( National Debt Relief ) I got a packet from this company who is helping me and inside this packet is a letter that I can give to all my creditors to stop calling. I signed this letter and mailed it to Springleaf in XXXX, IL on XXXX XXXX, 2015 certified so I know they have it as it was signed for. Since XXXX XXXX, 2015 till today XXXX XXXX, 2015 I have received 31 calls. I have an attorney through XXXX XXXX XXXX but I wanted you to know as well about this company and what its doing. I have ask numerous times to please stop calling me after I wrote the letter but they have verbally threaten me with law suits or cursing me or even insulting me verbally. I really want this to stop!! Thank you so very much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquires were pulled from my XXXX : XXXX XXXX XXXX XXXX The following inquiries were pulled from my XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report is reflecting incorrect information with my  credit score  being affected due t o JC Penny reporting late payments on an account I had. I have reached out to JC Penny customer service directly and was told they would note my account and update their system and as a courtesy correct this. It has be  en 30 days and the i nformation is still the same with no correction 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 non-monetary relief
Consumer complaint received 09-09-2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After defaulting on a home improvement loan from WellsFargo ( WF ), I entered into debt collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was arranged to deduct $ XXXX/month from my checking to pay the XXXX {$5000.00} remainding balance. As of XXXX 2015, I finished paying the debt with a remaining balance of {$210.00}. However, XXXX, for some reason, deducted {$400.00} from me in XXXX and XXXX. 
After discovering the deductions, I called XXXX in late XXXX to ask what was happening. On the initial call, they claimed not to know. On subsequent calls, they noted an error and stated they were in touch with WF and would resolve the issue. At this time, I was still getting " bills '' from WF, stating my balance was at - {$800.00}, indicating to me, the balance was paid and sent to WF. 
Come XX/XX/XXXX I still had not had the issue resolved XXXX. I spoke with managers XXXX XXXX and XXXX XXXX on numerous occasions to be told the issue was being handled and a check would be sent, and to call back early XX/XX/XXXX. 
Come XXXX XXXX, no resolution. At this point, WF sent a new " bill '' saying I owed {$78.00} for lawyer fees and the prior - {$800.00} was gone due to " adjustment payments ''. I contacted WF directly to ask what was happening. WF claimed they were in contact XXXX, and the amount was ACTUALLY {$1200.00} THEY DEDUCTED FROM ME. WF also claimed they sent the money back XXXX. I emailed and called XXXX with this information and got this in return from XXXX XXXX - " I was able to talk to Wells Fargo Bank this afternoon. They asked that you communicate directly with them and for me to direct you to their office. They again gave me XXXX to give to you and they asked that you call them directly. I was also advised that they did not send any money back to our office. I am unsure where that part of the communication is coming from. Unfortunately this is all the information that I have. I hope you are able to speak to someone at Wells Fargo Bank that will be able to help you in regard to this matter. Thank you. " Since that email, sent on XXXX XXXX, I 've mainly been in contact with WF, but they are currently not being too responsive. When I called XXXX XXXX, they claimed they were still checking their accounts for the money and a resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 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: Account status incorrect

Complaint: I had a XXXX XXXX Credit card back in 2016. I had it paid off yet the payment was not recorded. The account was then in collections for some time being mailed to the wrong address without my knowledge. I examined my credit report and noticed that it was in collections and charged off. The balance was very very low that was owed. I spoke with a representative over the phone and they informed me that if I paid the couple buck owed plus a fee then the negative marks will be removed. After I paid the fee and looked at my account I noticed the negative marks were still there. Also, I noticed that Equifax is still reporting my account as derogatory when it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have send several letters out to Equifax about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from XXXX, Equifax, XXXX I have 18 hard inquiries on XXXX 43 on Equifax and 16 on XXXX  it has been over five months and I have not heard for any one

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing to you regarding my current mortgage with Ditech. My husband was laid off temporarily XX/XX/XXXX - they told us they did not have a program for his situation at the time to help us out. We fell behind and my husband went to work. I had hired a lawyer who had promised me the HAMP loan but after a couple of weeks he said we were not approved for that. He did a loan modification in which I was on a 3 way conversation with ditech rep XXXX and was promised the same rate I hade which was 3.75 % - 2 days later I received paperwork that said it was switched to 4 %. Ditech woull not take my calls until I released my lawyer - I did everything Ditech requested, I sent a certified later that was notarized and til as of date they will not return any of my phone calls I have left message after message to try and resolve my situation and no one will talk to me. I am now in foreclosure which I feel they did intentionally. I have XXXX children and I do not want to lose my house due to a company that intentionally does not answer certified mailings or phone calls. I would like help with this situation if you could please.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: I have a loan with a company that has been continuous going up on my payments without my knowledge. Repossessed the car and still charging me as if I had the car will not answer any phone calls that have been made to attempt to clear up this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with Security National Mortgage (UT).
Issue: Credit decision / Underwriting

Complaint: I applied for a mortgage on XXXX XXXX XXXX after having an offer accepted to buy a townehome at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. The amount settled on was XXXX with 5 % down and a loan of XXXX. At the time, I had XXXX in savings and XXXX in a joint savings. I used XXXX for earnest money, and XXXX was transferred to my personal savings for a down payment. With XXXX I still would need about XXXX for a down payment, which I knew I would get with my yearly bonus of about XXXX plus my tax return, XXXX, and XXXX fed and state, sale of stock, XXXX. Plus about XXXX more from bi-weekly savings over XXXX pay periods. 
However, I was concerned my bonus and/or taxes would not be available by the time of closing at XXXX XXXX and I could not talk the seller into closing on a later date, so I asked my dad for a loan. The very first time I ever borrowed money from any relative. I asked my dad for a loan of XXXX to cover closing in case I did not have enough by XXXX XXXX. 
My dad said, why do n't we make it XXXX? I think he just wanted to help. I did n't need XXXX, but I have to admit, it would be nice to have a little extra for the first year of home ownership. So I agreed to take XXXX and pay it back within 40 months plus XXXX. 

Now Security National is trying to make me write it up as a gift so they can cover their butt for lack of a better term. Apparently I ca n't take a low interest loan from my parent even when my debt to income ratio is way under the loan payment. Mortgage companies have no problem giving me a loan up to 43 % of my earnings, which I could n't afford, but will not accept the fact that my dad loaned me XXXX. 

Of the XXXX I borrowed from my dad, XXXX was invested in XXXX stock and XXXX invested in XXXX XXXX, XXXX XXXX loans. The other XXXX is sitting in my savings. I plan on using XXXX for moving, furniture, window treatments etc.. and the rest use to pay back my dad. But Security National says I can not count the money I put in XXXX or XXXX as money for a down payment OR the money on loan from my dad rendering it useless. If that is the case, then I will not have enough money allocated for a down payment, even though I have more than enough money for a down payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2017 deposit XXXX XXXX debit card checks each ( {$2500.00} ) totaling $ XXXX US bank Atm. Unable to access Acct on XX/XX/XXXX. Called US bank customer service XX/XX/2017 and told my account closed due to fraudulent checks deposit made XX/XX/2017. I Obtained copies of checks in question from US bank and took to XXXX, where checks originated. Informed by XXXX that checks are valid. XXXX contacted by phone, emailed this information to US bank with no call I to resolve this matter. I Called XXXX, mgr at US bank XXXX branch and told he spoke with someone over him. He informed me my accounts to be closed ; a check to be mailed out to me ( minus bank fees ) around XX/XX/2017.

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 09/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold checking account in XXXX of 2016under the promotion code XXXX which would give me XXXX XXXX XXXX miles after {$1000.00} in debit purchases and XXXX automatic bill pays from the account. I completed XXXX of these tasks but was then was givn the runaround by Citi representatives when I inquired about the promotion that was tied to my account. I was then given notice that Citi would not honor promotional offer that was promised to me when I signed up for the account. It is now the end of XXXX 2016 and I still have not received the XXXX XXXX miles that I was promised when I first opened the account, even though when I opened the account I confirmed with a representative that the promotional offer was tied to the account.

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 04/17/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: My daughter and I -- as joint owners of a condominium at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , loan #  XXXX  -- applied for refinancing of the condominium with  Bank of America  in late   XXXX   XXXX   XXXX  . We applied with loan office  XXXX   XXXX ,  XXXX  ID  XXXX , (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Ca  XXXX .  Bank of America  led us to believe that our property was eligible for refinancing by them, and that approval by them depended solely on our ability to qualify for a loan through income, acceptable credit scores, and property value. After we had paid {$470.00}  ( by cre dit card on  XX/XX/XXXX  ) for them to obtain our credit scores and an appraisal of the condominium by an  appraiser obta ined by them, and after we 'd paid an additional {$15 0.00} ( by check  on  XX/XX/XXXX  ) -- at  Bank of America 's  request -- to condo management to supply master insurance policy and answer the bank 's lender questionnaire, the bank informed us that they did not ( re ) finance condominiums in our building. They also informed us that they 'd denied a mortgage loan to another resident in our building in  XXXX  for the same reason. We were completely unaware that B of A had denied any resident in our building financing or refinancing. From the beginning, we had a reasonable expectation that the refinance loan would be approved by B of A, since they originally financed our condominium in   XXXX   and held the papers on it until the latter part of  XXXX . Yet, they guided us through a costly and time-consuming application process, in which we were required to fill out voluminous paperwork and pay out personal monies, only to inform us that we were not eligible for refinancing by their bank.   Bank  of America kn ew or should have known from the beginning that they had established a business practice whereby they did NOT offer mortgage loans to units in our building. In addition to that, the bank should have required its Condo/Co-Op  Project Review Specialist to review our unit and building before, and not after, it required us to  pay out sums of money in order to proceed with the bank 's application process.     I have attached a list of instances, in which we have communicated with Bank  of Ame  rica, only to be totally ignored. I called in   XXXX   XXXX   and was directed to   XXXX   XXXX  , who is no longe r a loan office and no longer has an NMLS ID and could not help me. I mailed  XXXX   XXXX  's  manager th e same attachments I sent on   XXXX   XXXX   XXXX  , called him several times since then, and have received no response, even though his answering machine says he would respond  in 24 hou rs.

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 03/21/2017 about Debt collection (Auto) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX my car was totaled as a result of a hit by a drunk driver. XXXX XXXX offered a settlement value for my car and deducted {$500.00} ( my deductible ) from the offered value.I have disputed the settlement value offered since XXXX XXXX did not calculate the repairs conducted two weeks prior to the accident : new tires, new brakes front and back, new shock absorbers, etc. In a letter dated XX/XX/XXXX, XXXX XXXX from the Presidential team, agreed to pay me an extra {$500.00}, based on the Invoices received for the upgrades/repairs and the comparables from the area. I have received only one check from XXXX XXXX in the value of {$500.00}, and this was towards the settlement value of my car based on the invoices that were not fully considered. As stated, XXXX XXXX already deducted the {$500.00} deductible from the settlement value proposed, hence that deductible was already paid as per my contractual agreement. The drunk driver did not have a license, however, the truck he was driving was insured under XXXX XXXX. XXXX XXXX reimbursed me the deductible. Initially I got contacted by XXXX XXXX XXXX from XXXX XXXX, NY to claim that I owe XXXX {$500.00} for deductible. I sent all the evidence and they closed the debt. In XX/XX/XXXX I got another debt collector AFNI , Inc, claiming the same debt. I responded to them by fax on XX/XX/XXXX to dispute the debt and to provide the evidence that I do not owe this debt. 
AFNI Inc failed to validate the debt and prove that I actually owe it.XXXX sold them a debt that has no legal basis or factual evidence and AFNI is employing unorthodox procedures of harassment and intimidation to coerce me to pay this debt, when in fact they have no evidence to prove the debt owed is accurate or valid. I have notified them in writing within the 30-day period and provided evidence the debt is not valid I also requested them you cease collection of the debt, based on the evidence submitted.I asked them to stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. They continue to call me, claiming they are attorneys and will file a legal action against me, send me letters and emails asking for the same evidence I sent them multiple times and they confirmed the receival. 
I feel I ca n't get anywhere with these people and their threats. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (DE).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I have contacted  Jcpenny  's bank to make them aware, I was not receiving monthly statements. I would receive random emails about payments due. The emails request for payments, which were exceptionally inflated. I ask to be removed from the online billing. So, I can receive my bills in the mail. This was never done. As, a result I do n't get monthly bills and my account is being reported delinquent on my credit. I have been assessed late fees because of the banks error. This has been happening for  awhile.I  requested for the correction but no resolution has been provided.

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 07/27/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've sent a letter to this company on XXXX/XXXX/2017. I have no clue what this debt is for and ask them to verify all documents in order to determine anything. This is not my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation