milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XX/XX/XXXX XXXX XXXX now it 's NAVIENT Amount taking out in XX/XX/XXXX was {$5800.00} Amount now in XX/XX/XXXX is {$5200.00} Plus accrued interest each month {$50.00} Interest rate XXXX Pay in so far {$11000.00} Auto pay month payment {$110.00} I keep contracting them try to understand why this loan keep changing and not being pay off. It 's been 14years. They told me it wo n't be pay off until XX/XX/XXXX. They continue to change the monthly fee. They said it was a 48 month loan. When I spoke with them today it was 189 month loan. So I ask once again for the paperwork on this and it will take 2 weeks found it and send it out if they have it. They will put in a request for the paperwork and payment history. I have ask several time to send me a payment history. They said they would and I still have n't seen it. I keep talking to them but its going know were. I get lots of excuses. It 's pretty bad I had to complain to BBB so they can contract NAVENT to figure out why I did n't have account when I called. But was being bill each month NO PROBLEM. They sure no how to take the auto payment for XXXX each month too. They continue to be rude and to top it off they always put you on hold 5 to 10 min so they can look up information each time you ask a question or your call gets drop. Then you have to start all over again when you call back. Then they still do n't know what I 'm talking about it. I have try to pay it off and they wont let me and take off co sign they wont let me. I do n't feel my co sign needs to be on here any more. I have great credit. They will not let me Refinance either. I have try everything. I have talk to my bank they do n't understand why this not payoff or why they there not working with me. The interest that has been paid in is way more then they have every seen for a loan of this amount XXXX loan. PLEASE HELP STOP THIS MADNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I 've been enrolled XXXX at XXXX ( XXXX, RI ) for the past few semesters and have been successfully able to defer my private student loans. Unfortunately, this semester a course that I am required to take was not offered at XXXX XXXX. I needed this course to apply to XXXX so I chose to take an online course through the University XXXX ( XXXX, XXXX ). Even though I was enrolled XXXX between these XXXX universities, I was told by my student loan servicer ( Navient ) that I was not eligible to defer my loans because I am taking classes at more than XXXX school. They told me that in order to defer, I would need XXXX school to report me as XXXX, which neither school was willing to do because that would technically be inaccurate information. I submitted documentation from each school verifying my enrollment but I was still denied the ability to defer. I am now behind on payments since I was unable to afford tuition and pay my loans at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is XXXX public record from the collection agency that I have no knowledge about it. They are inaccurate on my credit report which affect a lot on the credit score since XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They repeatedly call and harass me when I have expressed a desire to work with them but I need a reasonable amount of time to make reasonable payments. They are coy, refuse to identify themselves, and are generally threatening and harassing. I am willing to work with someone reasonable but they are acting like thugs.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX, XXXX I have sent letters to update my address which was wrong on reports no changed made by them.

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 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Liberty Credit Services, Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Ohio statute of limitations states I can not be sued on a debt that I fell delinquent on or made last payment on that is more than 6 years. Case # XXXX account number XXXX is for an old cell phone that the original case was from 2008 which means fell delinquent more than 8 years ago and no payments were made in 8 years which falls under statute of limitations and Liberty Credit is wrongfully attempting to garnish my wages and bank accounts. My name is XXXX and I can be contacted at XXXX or via email XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Equifax in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus. Complaint specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Equifax , I certified that XXXX had not responded to me within the required 30 days. Equifax then used the same false reporting from XXXX to " verify '' the false information. Equifax failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Equifax on the matter, the Equifax staff member confirmed that Equifax is using an " update '' from XXXX as verification. Per the Equifax phone staff member : the " update '' from XXXX does not contain any documentary evidence that Equifax has or can provide to me, but they are using that rather than my submission of documented evidence to them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are things on my report that are not correct. Balance s that are incorrect. Things that are XXXX years old that should have dropped off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Medical debt) with Express Recovery Services, Inc. (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The collection agency has refused to supply me with the requested documentary evidence bearing my signature that I have some contractual obligation to pay them. In the absence of any such evidence, I must assume that this is not a valid obligation. Express Recovery Services has damaged my credit by reporting this unsubstantiated obligation to the XXXX major credit bureaus. I want this erroneous information deleted from my credit reports. Furthermore, Utah Code states that the statute of limitations for an open ended account is four years. A debt collector no longer has a right to sue for payment once a debt ages past the statute of limitations. This is a violation of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: We have had a family student loan for my daughter for 17 years now and owe more than the original loan amount. We keep having to pay interest while in foreberance. We are on a strict budget in our XXXX 's. I work but my wife can not. She has n't worked for many years. I would like to see if we can get some interest taken off the loan and put towards the principle loan amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: GC Services has contacted me on several occasions stating that I owe XXXX in student loans. Some if these calls were during work hours. I have asked twice to have documentation sent to me showing that I owe this loan, which they sent me a cover letter that stated I owe the XXXX XXXX XXXX XXXX XXXX no itemized statements that i asked for. They have no proof i owe this loan, and I have disputed the debt both verbally and in writing yet they have put a garnishment against my wages. I took out a student loan for XXXX the only student loan I 've ever had, they state that I also had an XXXX  loan which i most certainly did not. This is why I 've asked for documentation and have received nothing. Also the customer service at GC Services is absolutely horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Settlement process and costs

Complaint: I obtained a loan for the purchase of my home through Citizen 's Bank. I was initially told verbally I would have no points associated with my loan. On documentation ( commitment letter ) leading up to the closing I had points listed. I had contacted the mortgage company stating they had previously stated I would have no points which they again verbally confirmed and I had them confirm via email as well. On my closing date, XX/XX/2016, while reviewing my closing cost details with my attorney, under the heading " Loan costs '' was a charge of {$260.00} labeled " 0.125 % of loan amount ( points ) ''. My attorney contacted my mortgage broker, XXXX XXXX, who stated it was an error which they would rectify via check after closing. My attorney advised to continue with the closing versus correcting the documentation first because we were already 3-4 weeks past the initial closing date. Three months later, and i 've been told for the past 1-2 months the " check is being processed ''. I was advised by my attorney to file a complaint. This is my formal complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Problems caused by my funds being low

Complaint: I just got off of a very frustrating phone call with Chase and wanted you to be aware of a bank policy that is hugely profitable for them, and unnecessarily punitive for their customers. 
Thursday evening, XX/XX/XXXX, at XXXX Chase processed a {$20.00} check I had written to my son 's school. We were cutting it close that week, but as of XXXX when I went to bed, we still had a positive {$4.00} balance in our account. I know. Like I said, we were cutting it close. But since we had that positive balance, as meager as it was, I went to sleep thinking " phew, we made it, '' because my husband 's direct deposit would be in our account at XXXX. 
However, I 've come to learn that we did n't make it. 
Chase begins processing transactions at XXXX and this {$20.00} was processed, overdrafted our account, and we were charged a {$34.00} overdraft fee just in time before the paycheck was directly deposited. Seems pretty convenient for Chase. 
I absolutely take responsibility for cutting it far too close for any error that week, but to be honest, that 's what many of us do who are living paycheck-to-paycheck. 
In XX/XX/XXXX, America 's top XXXX banks, Chase, XXXX XXXX, and XXXX XXXX XXXX raked in OVER XXXX in overdraft fees. They make that profit on the backs of people like me and my family. The people who can least afford it. 
Additionally, to keep in mind that my bank processed my check and fee while I was sleeping, when I was in no position to rectify the situation, but also did n't even know about it is sneaky and shady to say the least. 
Had that transaction taken place while I was awake, during business hours, I could have transferred money from my savings to my checking to avoid the {$34.00} penalty. 
The working class sure got a lot of attention during the XX/XX/XXXX election, but I want my elected representatives to remember that the loss of manufacturing is n't the only thing hurting working class people. 
We pay heavily in our day-to-day financial interactions in fees, interest, and penalties and the safety net enjoyed by the wealthy is far out of reach for us. 

I greatly appreciate your time and the work you do for all of us. 

Optimistically, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2017 about Debt collection (Payday loan) with Acceptance Solutions Group, INC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are removing money out of my account after numerous emails send telling them not to and revoking my AHC. I have also requested them to remove my debit card information as this is a part of my " banking Information ''. They are putting me in a financial bind taking money out of my account when they are not supposed to. I will never work with this company again once my debt is paid. Their associates are rude. and poorly trained.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with SYNCHRONY FINANCIAL (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was an authorized user on this account up until I removed myself in XXXX 2015. According to my credit report, the balance has stayed the same and it looks like there has n't been any data reported since XXXX 2015. Is there a way to show a XXXX balance here?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The FTC, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Commercial Acceptance Company (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2016 we closed a checking account at XXXX XXXX, XXXX, Pa. They charge {$10.00} to close, which we were not awaare of. Every notice unanswered cost us {$39.00} plus {$6.00} a day.t With penalties we now owe {$270.00}.! All our mail was forwarded but the USPO does not forward Bank mail. We did not know this, but I think the Bank must know it. We have excellent credit, and are very concerned about this. Please help..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Other transaction problem

Complaint: On XXXX XXXX XXXX My Step Dad sent my boyfriend {$300.00} to surprise me to ask me to marry him at my cousins wedding and of course i got hired on a new job!!!!!!! I 'm an American citizen!!! On Monday XX/XX/XXXXWe arrived at Western Union to pick up the money that was sent and stood in line for well over an hour!!!!! My Boyfriend was told that the transaction was not allowed. By this time i am wondering what is going on and why my boyfriend is looking Panicky ... .. So i ask what was going on and then he told me that my step Dad had sent money for him to surprise me!!!!!! Unbeknownst to me until 20 minutes before the wedding my cousin called looking for us because we had not shown up and said that My boyfriend was to propose to me!!!!!! This is so hurtful to me because we lost a moment that we cant ever get back and Between food Hotel accommodations, Taxi rides and The XXXX charges a fee on XXXX per couple per day in order to be on there resort ... ... We lost close to 1500  bucks and my cousins feelings were very hurt and furthermore we lost a moment that we can never get back!!!!! I believe that Western Discriminated against us because we were XXXX sending a large sum of money!!!!!!! I have often found that they have a tendency to discriminate against people of XXXX!!!!!! No one at any given time called to tell the sender that the Money transfer was cancelled .... When he walked into the agent location to send the money that transaction went thru!!!!!! You do n't take someones money and then cancel it without calling to let them know that you are not processing the transaction. Even still they had one whole day to call the sender and say we cancelled your transaction and then my stepdad could have found another way to send it before he hit the road ... ... My stepdad is a truck driver of oversize loads and there is no way for him to get that truck into a parking lot of a western union office and he could not pick up the money to resend with XXXX XXXX and not to mention the tension that this issue has caused between every one!!!!! I want my money back and i want to be compensated for the emotional toll this has taken on all of us. Oh and furthermore i reached out to them on several occasion and was pretty much told to XXXX off and oh well!!!!! The sender also called and they gave him a new tracking number to pick up his money!!!!!! That was after everything had went down ... .. We was clearly upset about this issue and could not even enjoy the resort that we stayed in .... This was a disaster!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a letter from a Collection agency, TRANSWORLD SYSTEMS INC., on XX/XX/XXXX for a bill of {$19.00}. When I called the credit agency I was not given any information as to how to contact XXXX who sent this bill to a collection agency. Apprarantly it is for rental of my XXXX equipment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complaint is that I have never received a bill from XXXX for this bill yet they forwarded it to a collection agency. If they could give my address to the credit agency they could have contacted me at some point during all these months. If they tried to mail me the bill I have never received XXXX. I always pay my bills so I resent them ruininng my good credit because they failed to send me a bill. Apparently this is the difference in what my insurance company at the time XXXX did not pay. Had I been sent a bill I would have promptly paid it. If you check my credit you will see I have paid much larger bills than this XXXX and always paid on time. I will pay the bill but I would like for XXXX to be aware of my complaint and if they say they have tried to send my a bill I would like to see proof of that. I would appreciate any help you can give me in this matter, I am sure I am not the only person this has happenned to. 
Sincere XXXX

Company response to consumer: Closed with explanation