milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been paying a private student loan through Navient for about 4-5 years now and I can barely keep up with the high payments of $ XXXX/month with an 11 % interest rate. I have spoken to representatives constantly and no one seems to be able to or want to help. I have a co signer, My co signer has no plans on helping me financially he just signed so I can get the loan and continue my education. All I would like is my payments to be lowered to somehwere more affordable so I do not have to struggle to pay them every month and I do n't keep getting hammered with late fees. I feel like Navient lies to its borrowers just to collect late fees and raise interest rates and use naive students as profit centers. I thank you for taking the time to read this and I look forward to a response.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo 's last letter to me stated that I willingly put a check in online and it somehow appeared in a specific branch. Upon speaking with a customer service agent of another bank, that is impossible. When a customer takes a picture of their checks, they still have the check itself in their possession. So if you take a picture of your paycheck, and upload it to us bank. It does n't show up in XXXX if you deposit it online or via mobile in XXXX. When it 's a picture taken online or via mobile app, it is still visible to you. Unlike when you go to an actual branch, it is taken from you. But mobile banking and online banking both do n't have any way to put the check in any specific branch. I did not willingly put anything anywhere. Knowing that I have told their representatives I only get ssi, and knowing that nobody gets {$15000.00} in ssi, that would be logical that my account was highjacked. The most one person may get in ssi, may be about {$2500.00} to {$3000.00}, but no more than that. As well as they stated that if you report that funds were put into your account as an unauthorized access to the account, then as long as you report it within 60 days, it should be resolved. If they think willingness, is about giving permission, it is not. If I willingly put {$15000.00} in that account, and making only XXXX a month in ssi, I doubt I willingly put anything anywhere. How can I come up with XXXX, when at most, one could only get {$1300.00} from XXXX payday loan companies? {$730.00} + {$1300.00}, equals nothing close to {$15000.00}, and the person who put it in there is XXXX XXXX, in XXXX, I do n't think that 's logical. And also, they state that in their funds availability policy, that any amount over {$5000.00}, is to have the first {$200.00} available the first business day after that was deposited, well then if that be the case, mine were available the first day they were put in. XXXX XXXX is the check issuer, but that check holder is XXXX in XXXX. And by federal law, he should be in prison for committing a purposeful fraud against wells Fargo. But wells Fargo looks at me for fault, when the last time I 've travelled outside of XXXX, is when I was a very going minor child. The check was unclear to me online. I do not know any XXXX XXXX, with XXXX XXXX in XXXX. Willingness is not permission. If what they state is true, then why was the check from an XXXX account, and XXXX address. And what about the check being from XXXX XXXX, in the fact, that they refused to hand over certain information that would have prevented me from being held liable.

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 03/17/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Sallie Mae is giving me the " run around '' when trying to get payment assistance. All departments transfer me to other departments, each stating that it is the previous department that can help. This cycle has happened 4 times that I have contacted sallie mae. The customer service center only offers a forbarance program which does not make affording the payments any easier. There was mention of a Rate Reduction program but each person I talked to referred me to another person who could " help '' all said it was another person. Again this happened 4 times. They have the absolute worst customer service. And are not willing to help at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received mail from Navient saying they had processed my request to enroll my loans in a XXXX Repayment Plan. I did not make this request. I called customer service & was told that everone leaving school os automatically enrolled on this repayment level. I think this is a form or fraud considerimg the XXXX Repayment Plan has higher interest rates. Also of this is automatically done how come the paperwork says Ibrequested this?. I asked to speak with a supervisor & also get a complaint address or number & was transferred to a Navient XXXX instead.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have an auto loan with Toyota. My monthly payment is XXXX. I have had this auto loan since XX/XX/XXXX and have mostly paid by the due date. There have been a few times that I have made some payments past the due date but I have never been 30 days late. The few times I have had to make the payment past the due date has been because I worked 3 jobs and do not always get enough hours during the month to pay the car payment immediately and have to wait until my next check to pay the full XXXX.Despite this, I always have paid every month and have never been 30 days late. Last XXXX, I didn't work at one of my jobs for two weeks because my employer didn't need me. I knew I would need to wait a few weeks to make this car payment so I called Toyota. I told them I would need until the end of the XXXX but didn't want to be 30 days late on the XXXX  payment. The representative helping me said that I would be ok until XX/XX/XXXX as XX/XX/XXXX was a holiday and wouldn't count as a day. I made the payment on XX/XX/XXXX.XXXX payment was marked 30 days late despite the information that the representative told me when I spoke to her over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Advertising and marketing

Complaint: Bank of America did not credit me XXXX mile promotion for opening Alaska XXXX XXXX card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (I do not know) with SIMM Associates, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX has called numerous times and has been extremely hostile when we have been on the phone. I do n't know what debt they are trying to collect, and since I do n't have any outstanding debts I am concerned this may be a scam, so I refuse to give them any personal information over the phone. On XX/XX/XXXX I had a phone conversation with XXXX XXXX ( representative of the company ) where she became extremely aggressive and threatened to contact all my family members after I told her I did n't want to receive any more phone calls from her or her company. On XX/XX/XXXX I sent them a letter requesting validation of the debt. They received that letter on XX/XX/XXXX according to the USPS certified mail tracking. As of this date,XX/XX/XXXX they still have not sent me any response to my request for validation, yet they continue to call me repeatedly. On XX/XX/XXXX XXXX XXXX called again, so I informed her that they could not be contacting me because they had not validated the debt. She became extremely hostile and began yelling, made some claims that they had validated the debt and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was not properly notified when I was required to renew my income based repayment information and {$1700.00} was withdrawn from my bank account, when I normally pay {$130.00}. After speaking with Nelnet they told me they were unable to refund any portion of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Recovery One, LLC (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX with Recovery One has called me many times in the past months from tapping into my inlaws phone nubmers as well as other deceiving phone numbersShe and her staff have been harassing and threatening to me multiple timesI have been making payments on the amount owed. 
I told her today I would make a payment of {$500.00} on Friday and she could go ahead and take the pre payment today and hung up on me told me to never call back again she would just sue me. 
I am working towards paying off the debt as much as I can but I have received no cooperation from this company. Only hateful phone calls! I am hung up on and threatened with a lein on my home, being sued, calling all my family members as well as personal friends. I have not been told when they call me they are with a debt collector to collect a debt either. I want to continue to finish out my payments with good standing. I want to pay the account in full as soon as I can. I am having no luck with this company and no cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with I.C. System, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Sent notice offering option to pay online. Input all information but site would not accept payment. Tried XXXX times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company IC System , Inc. in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: 1. Accounting practices at Roundpoint MTG are unbelieveable 2. The accounting has described my Storm water tax as a : MUD/Utility Tax Disbursement b : Ground Rent Disbursement. They keep on changing this in their accounting system 3. They have successfully sent the payments in once before to the tax department without problems, however this time then sent my payment to the tax department with some other XXXX and loan info and incorrect address to the tax department. The Tax department by law could not accept the payment as they had all the wrong information associated with the payment. 
4. I called the Roundpoint Mortgage to advise of this and the Customer Service rep said she would put a note into my account and it would take 3 to 5 days to resolve this. I gave them 6 days and called this morning only to find out from the Customer Service person, that they tried to call the Tax department on XXXX XXXX 2016, and the phone was disconnected. I called the Tax department before I called Roundpoint Mortgage ( they still have not received my tax payment ) and the number was working just fine. 
The Customer service person said that he could not find the phone number to the Tax Department, and I explained that the Tax Department sent you the same Notice that they sent me, and the Phone number is printed on the front of the notice very clearly. I then gave him the phone number. He said he would make a note of this in my account. 
... 
So now, my taxes are delinquent because Roundpoint Mortgage sent my money to the tax dept with the wrong info. I have called twice to Roundpoint Mortgage and they say that they are going to handle this, which apparently they are not and Customer Service reps keep telling me that they will make a note into my account. While this goes on, I am being charged interest on my taxes daily until they are paid. 
This mortgage company is supposed to be paying my taxes through my escrow account, which seems they ca n't even do this correctly. 
I have attached emails from the Tax Department, my Tax notice and a screen shot of the activity on my mortgage where you will see the lousy accounting. 
I have bought and sold XXXX houses in my life and this is the worst mortgage servicer I have ever dealt with. 
PLEASE HELP! 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX

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 Debt collection (Medical debt) with Grant Mercantile Agency (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is the second notice I have received from a collection agency called " Grant Mercantile Agency. '' They claim I owe {$710.00} to a creditor named as XXXX XXXX XXXX XXXX. I do not know who these people are because I never received a bill from them. I do not have the money to pay this, because I am on a fixed social security income and I do n't even make as much as the the amount I am being bill for. There is no phone number to reach these collectors only an address. I wrote this Grant Mercantile Agency when I first received their notice asking them who they were and why they were sending me a bill and explaining that I had never received any bill for this amount from this XXXX XXXX XXXX XXXX. I told them that I do not have this kind of money to pay for this bill as I have no extra money. No one replied to my letter. Instead I have received a second notice with the amount now at {$740.00}. I think this might be for ambulance service, but I am not sure. At that time I had told the paramedics I did not have any insurance and could not afford to pay for an ambulance. They ignored my request not to be taken to the hospital even though it was NOT an emergency. But I am not sure that this bill is for that at all. There is no clarification from these debt collectors as to what this is about. I think this may also be a scam. I am not even sure that this has anything to do with the ambulance company, because I do n't know if that XXXX XXXX XXXX XXXX is an ambulance service. I do n't really know who they are. When I was taken to the hospital last year, I told the hospital I had no money to pay anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo solicited me to re finance my mortgage with them. 
They promised me in writing multiple times that I would not have to escrow ANY payments, not the flood insurance, not the homeowners, not taxes. They also did a quick appraisal that only costs {$100.00}. 
They lied about the escrow. My closing documents are wildly inaccurate and do not take into account the full lender credits they offered. They are demanding to escrow flood insurance 17 months in advance. 
They charged my credit card {$100.00} twice and an additional {$490.00} for appraisals that were not done.

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 09-05-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inaccurate and old reports on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I did a reverse mortgage back on XXXX XXXX XXXX. With A company call Financial Freedom which is a reverse mortgage specialist. they say they placed homeowners insurance on my home on XXXX XXXX, XXXX thru XXXX XXXX, XXXX had placed my own insurance on my house thru State farm on XXXX/XXXX/XXXX and is still paying it today. I have forwarded all my info to them including my health documents and my age being XXXX. Now they are trying to foreclose on my home saying I would n't pay when in fact I was paying XXXX monthly then all of a sudden the payments started being returned back to me. Now they do n't want to accept a payment plan from me at all so therefore I am filing a complaint against this company. I placed my own insurance on my property at the time of the loan with XXXX, then at the time of renewal they would not cover the house due to the age and structure of the house. This was XXXX thru XXXX. I got my house totally repaired and placed insurance on it XXXX XXXX thru today. I made payments to financial freedom until the monies owed on the insurance was paid back and they started sending the payments back to me. this is what as explained to my daughter XXXX XXXX XXXX, who is on my account to talk on my behalf. at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance for our mortgage on XXXX XXXX, 2015 via our attorney. Our servicer is PNC. They confirmed our application for assistance was under review and we awaited the response from PNC. We received a letter of denial dated XXXX XXXX, 2015. We are in the process of appealing that finding via our attorney within the allotted 30 days allowed by law. During the timeline when we were under review for assistance, the foreclosure attorney for PNC initiated a foreclosure by recording a Notice of Default on XXXX XXXX, 2015. We are being told this is illegal and it is called dual tracking. Our attorney contacted PNC and they state that our mortgage and property is on hold and a notice of default should not have been filed. Our attorney then contacted the foreclosure attorney, XXXX XXXX and they state they have no info from PNC stating the loan/home is on hold. Both parties say to have the other call them. Neither is willing to call the other.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Payday loan debt) with Pacific Coast Legal Services, Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: A man named as XXXX XXXX, PH : XXXX from Pacific Coast XXXX XXXX No : XXXX and said he was an attorney. He called my employer on XXXX-XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at Pacific Coast have contacted me before at my employer workplace phone number to try collect on a payday loan with XXXX XXXX XXXX. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: 1 ) I met with XXXX XXXX XXXX at my local branch and signed up for a promotion that would give me {$1000.00} bonus after opening a Select Business checking account, a business credit card and spending {$2000.00} on it within 60 days of opening. The terms of the promotion stated that within 90 days of meeting the requirements, the bonus will be posted to my account or if not, that they will mail me a check. I fulfilled the requirements for the promotion on XXXX XXXX, 2015 and am already past the 90 day waiting period needed for the bonus to be posted. I have made numerous calls to XXXX XXXX as well as other B of A representatives to follow up on the bonus, since I had already waited the 90 days after fulfilling the requirements. On XXXX occasions, I was misled and given the wrong information by B of A customer service ; XXXX XXXX, on the other hand, has been ambiguous, misleading and unhelpful. On our last telephone communication XXXX XXXX, he told me that I will have to wait ANOTHER 30 days. Then before this same conversation ended, he said it would take another 30 to 60 days. He kept changing the information/data he was giving me as we talked. 
- I believe I should have already received the {$1000.00} bonus by now since it is past 90 days from when I have fulfilled ALL the requirements of the promotion, including keeping all said accounts open and in GOOD standing. 
2 ) XXXX XXXX managed to mislead me and my husband by opening XXXX checking accounts, when for the purposes of the above promotion, ONLY XXXX checking account was required to be opened. I communicated my concern that there have been XXXX checking accounts opened, instead of just XXXX, which was what we intended. He told me not to worry about it - that he usually opens XXXX accounts for clients, since the second account would come free anyway. Because I did not want to jeopardize the conditions of the promotion, I did not close the extra ( XXXX ) checking account. Looking back now, I believe that XXXX XXXX intentionally opened XXXX checking accounts, when we intended to open only XXXX account - perhaps to fulfill some bank quota requirements to benefit him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief