milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been paying the same amount on my student loans on time for the last five years. This month, my monthly payments more than doubled. I called to get help and I, with my cosigner, went through a financial assessment over the phone on XXXX XXXX. This process took approximately two hours and we came to an agreement of a lowered monthly payment effective immediately. In order to agree upon the financial agreement, I had to agree to an automatic deduction of half of the adjusted amount every month. Just to lower my payment, which I qualified for due to my income, I had to give a stranger my personal banking information. I called to see when I should expect my account to reflect the new monthly agreement, and the operator had no answer for me. I continued to check my account and my bank statement for the transactions to change, and nothing different. I received a letter this morning, XXXX XXXX, to the effect that my payment over the phone did not go through due to failure to locate my bank account. Not only has the very same bank account paid my balance every month, but no changes have been made to my banking for over 13 years. I even repeated the account and routing numbers several times over the phone XXXX/XXXX/2016 just to make sure so that I would not lose my new monthly quote. Seems to me there is some foul play here. In the meantime, my account has had the same unaffordable balance, as well as, new threats of late fees and hits on my, and my cosigner 's credits. In addition to all of this, my cosigner during her recent financial adjustment, on XXXX, expressed that she is experiencing her own financial hardship and can not afford to help in any way. Instead of taking this new information into consideration, Navient charged me the same for the XXXX loans she helped me finance and threatened to attack her if the payments were not collected on time. I am a good customer and have tried to do the right thing here, but Navient has not held up its end of the new bargain.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   I Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry    XXXX   XXXX   XXXX     XXXX   Inquiry    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX   XXXX   Inquiry     XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   i asked for the inquiries to be removed after they removed them last year but then added them back on again, causing my  credit score  to suffer.

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 07/31/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: APR or interest rate

Complaint: I 've used the same AT & T Universal credit card for 15 years. Nine years ago, I was late on a couple of payments due to financial hardship caused when my ex-wife left me. As a result, the credit card company raised the interest rate to 29.99 %. I have since paid faithfully on time each month, and have patiently petitioned them to reduce my interest rate which, of course, they are unwilling to do. 

I complained to CFPB back in XX/XX/XXXX, and the credit card company temporarily reduced my rate to 21 % until XXXX. My rate is now back to 29.99 %. Today I requested a lower rate and was given the same old song and dance : " call us back in 6 months and we 'll see. '' Please help me.

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 11-02-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Other fee

Complaint: I moved to another state ; attempted to change address multiple times with Citi. I had not received a statement from Citi in over a year. I called multiple times to change my address. I could not reach a human being until I called on XXXX/XXXX/2016. I was told by this person, my payment due had increased and I was now over my credit limit ( mind you I used the card one time for a promotional purpose when I opened this account ). Citi had charged multiple fees and penalties onto my account and had NEVER notified me of an issue. Upon calling in and finally getting a person to speak with ; Citi has refused to do anything other offer to waive XXXX interest charge and XXXX penalty fee. 

I believe Citi to be acting in a malicious manner towards consumers. Creating a maddening voice response system to cause confusion and near inability to speak with a live person, not promptly updating address records, and not contacting the consumer when there is an issue with the consumers account. Thus resulting in more ad more fees being added to the consumers 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 monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Payday loan) with Devon Financial Services, Inc. (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I will try to be brief ... On XX/XX/2017 around XXXX. I received a phone call from my girlfriend stating that an investigator was trying to reach me. She told me that he needed to talk to me about a matter that will be held downtown in court tomorrow. While on the phone with her, I received another call on the other line from a man who claimed to be a " Fraud Investigator '' for XXXX. He insisted that a fraud case was coming up the next day in court and that I needed to be present .. This was a lie and I found out that he was an employee for Devon Financial a XXXX. I then related to him that any XXXX i had was discharged with my bankruptcy. I also explained that I was a retired XXXX XXXX and what he was saying wasnt true. He became irate with that and proceded to call me a " XXXX! '' My immediate response was " What Did You Just Call Me? '' To which he responded, " You Heard Me! '' I then told him I will be making a complaint and hung up. Now this type of conduct is very unacceptable, unprofessional and above all " XXXX '' and needs immediate attention and more screening of your employees. I really look forward to hearing from your office regarding this matter. I thank you in advance. 
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 03/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am attempting to have a tax lien withdrawn from my Experian credit report. I 've attached documentation to support my request. I have n't been successful when I 've disputed to have my file updated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is report that XXXX XXXX XXXX XXXX credit card accounts of mine were settled in XXXX. The accounts were settled in early XXXX. This is damaging my credit score. The accounts are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX ( This account is being reported twice ). The other XXXX agencies are reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, XXXX, and late pays with XXXX and XXXX. With XXXX and XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was XXXX of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.

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 08/24/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, Ditech Financial LLC submitted to my bank a payment in the amount of {$660.00}. They were only authorized a monthly payment of {$190.00}. As a result, of the {$660.00} submission it overdrew my checking account. Subsequently, another account was affected and XXXX overdraft fees were added to my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other service issues

Complaint: I made an offer to a seller on ebay for an item. The seller agreed and took the item down allowing me to pay via paypal. Last message i had with the seller was hom stating he was going to send the item in a few days and that was on XXXX. I have not heard from the seller since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Unwanted charges and harassment and credit problems from transunion.com because of a social intelligence hacker looking for work and credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Settlement process and costs

Complaint: mother passed XX/XX/2016 without a will she had property in MASONTOWN PA. her in tensions were to put the property in mine and my brothers name. she went to a place in her home town and paid to have our info added, but it did not happen, but there is a witness. any way since she passed, without a will, because the mortage company refused to speak with any one, we agreed that my sister would be appointed as the person to contact. now that the mortgage company required her to be listed as administrator or executor of the estate order to speak to her, she went through that process. now she has aurthorised my to resolve the issue. I have contacted the company three time to resolve the issue. I have asked to be added to the mortage as the successor, and bring the mortage current, and begin loan modification. they told my sister she had to be listed as the person to contact, by law in order to talk about the loan, and now the have refused my offer 3 time to bring the loan current without XXXX triggering the process, and the have refused to add me as the successor, I do n't understand why this is so hard, the loan value is XXXX. can you help company is Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX ACCT NO XXXX PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 09/24/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Customer service / Customer relations

Complaint: I applied for a credit card with Chase. They mailed the card to an old address that I have n't lived at in years. Fortunately, I know the people who live there now, otherwise I never would have gotten my card. I called to ask them what happened and they just ignored me. They wo n't tell me what data they have for my address or what went wrong. Then for some reason they they tagged my card for fraud and shut off my credit access. They wasted a lot of my time trying to solve a mistake they made.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: on XX/XX/XXXX I disputed the account the account with hunter warfield on the grounds that the company has failed to notify me prior to reporting to the beauru. according to the FCRA the reporting agency has a responsibility to have a process to investigate not only the companies response buy mine as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Santander consumer USA is attempting to collect on a debt that I do not have a contract with their company, they breached their contract when they sold the account, they are attempting to collect a debt that is {$25000.00} which I no longer owe Santander consumer USA, by law they have to remove the fraudulent account! Santander consumer USA is involved in a class action law suit regarding reporting fraudulent charges and accounts on consumers credit reports. If the account is not removed from my credit profile. I will file a lawsuit against Santander consumer USA. I have filed complaint with the Attorneys general office and I have also submitted all documents to my attorney

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been trying to pay off federal loans since XX/XX/XXXX, when I graduated. It was impossible for me to become employed during that time, and I had to delay payments. Since then, my total amount has skyrocketed. I have been paying somewhat successfully since XX/XX/XXXX, however, I always have problem recertifying my income based repayment program, and have to delay payments because the minimum payment goes up. Every year, they fail to adequately assist me in recertifying, and this adds thousands to my balance. Last year I was first given false information, then given incorrect information, which caused me to pay more than what I should under the program. This year was no different. They sent me a notice inXX/XX/XXXX with a due date of XX/XX/XXXX. No email. No call. Zero notice since XX/XX/XXXX. I recertify every year, and every year they deceive me into missing the due date. There is no option to auto-recertify. This causes my minimum payment to skyrocket to five times the usual amount. It is unfathomable that they are allowed to do this. I know what will happen, because it happens every year. They will either defer or forebear, then add to the total balance, causing my total balance to continue increasing every year. I have to spend hours on the phone every year fixing the problem. My total balance is over XXXX because of this systematic deceptive practice. I graduated owing half of that. I will never pay it off, and they will continue adding to it every year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed accounts with the credit furnisher XXXX XXXX on XXXX occasions via certified mail as well as with the credit reporting agency, Experian. On the first occasion the furnisher reponded to my dispute contradicting my dispute with their evidence that was intended to support my ownership of this debt and requested that the credit reporting agency preserve this information on my credit report. I responded with a second dispute including legal documentation that validated my dispute, contradicting the evidence they presented with me as the owner. After the second dispute via certified mail with the furnisher I received no further correspondence, with evidence disputing my legal documentation. However, they contacted the creditor without investigation and asked that they keep this information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Threatens legal action, calls constant will not allow me to lower payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have use my  TD Bank ( US ) count for over 10 years. I signed up so that TD Bank could not overdraft my account. Every ti me my account was overdrafted I called and corrected the situation which I found to be immoral A number of times. They honored me and replace the funds every time. Recently my account has been significantly lower than usual they have overdrafted me  XXXX  times in the last month. I have contacted them many times telling them to stop allowing my account to debited. They have not honored overdraft protection law.         I was over drafted and not refunded  XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX  Maintenance fee  XXXX  $ on  XXXX   XXXX   XXXX  from over drafting me I was over drafted and refunded  XXXX  $ on  XXXX   XXXX ,  XXXX   XXXX  $ on  XXXX / XXXX / XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: False representation and information given. Did not received verification or notice of right before paid to both account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm being repeatedly called by Portfolio Recovery Associates about a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am unable to obtain credit report, credit score through Equifax. Also unable to freeze my credit file as a result. I call customer service daily and transferred from one group to another. Each group says the other group will fix. I am caught in a constant loop of no action. Today I spent 2 hours and 45 minutes on the phone with Equifax. I get a " tech support '' confirmation number and start the wait all over again. No one at Equifax can tell me what is actually wrong with my credit file other than there is a " discrepancy '' in my information @ Equifax, however, the representative can not tell me what the discrepancy is. I confirm all of my information by phone and the rep says it matches - yet still can not obtain a copy of my Equifax credit file. No one within Equifax can explain why I am unable to obtain a copy of my report, score, etc. I am unable to file a dispute on my report for the same reason. I can not obtain a free copy. I have attempted to pay for the report and it will not process. Photos I have attached to this complaint are examples of the ongoing issue like today 's 2 hour and 41 minute call. The emails received from my credit card company reflecting the charge for a product and the Equifax email stating failure to process ( which is an internal Equifax issue, not a credit card payment issue ). A photo of my email inbox for today with all of the Equifax orders the representative attempted to process while we were on the phone, to no avail. And have included a photo of the error received when trying to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have received repeated phone calls from Navient regarding student loans. I have attempted to arrange payments with them in the past and they declined the amount saying it was not enough. Given their refusal, I informed them that in that case I will not be paying anything. 

Since doing this, a representative from Navient has called my cellular device on a number of occasions and I have asked them to please and they persist. In addition, a representative from Navient has proceeded to call my family, friends and place of employment in an effort to harass me.

Company response to consumer: Closed with explanation