milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Hello I have a loan and pay to navient. Just recently I looked over a payment and noticed that when they received the loan from where it was I owed XXXX it was the principle payment owed. I have that on a receipt of payment I received last XX/XX/XXXX. I trusted this company thinking they would help. I now notice that my balance is XXXX. When calling them and asking them about the issue they told me that when I put it in forbourance from XX/XX/XXXX to XX/XX/XXXX that the interested from the old company was added. I don't believe this is right. I can't even look up and see where it came from and why it didn't come right away with the loan. Also told me while it was in forbearance it was collecting interest and they never told me that. I was told since I was trying to get into school it would be the best idea. I pay my payments on time. Ikm trying to get out of this debt and fix my credit. People think it isn't alot of money owed when I ask for help but to me it is and if they are XXXX me over I need help. When looking into it I found that they have been dishonest and have lawsuits out. Please help me I don't no how else to fight it. The person on the phone was giving me wrong information she didn't even no what she was talking about. I received this loan in XX/XX/XXXX so I no it could have collected interest but they can't tell me anything all they kee0 saying is loom online. I am trying to dispute it because I believe they are frauding me. I look forward to hearing from you and hope you can help. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (Gift card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: I purchase d an American Express Gift c ard on  XXXX   XXXX ,    2017  ... in the amount of  XXXX . My daughter lost the card, on the  XXXX  of  XXXX . I immediately called on the  XXXX  to have it deactivated. On the  XXXX  of  XXXX  ... I faxed over documents such as, my drivers license and the original receipt of purchase to the company, so that I could get a replacement card ... . XXXX   XXXX  ... a letter was mailed by the company to my physical address stating that the items sent by  XXXX  were n't clear ... .I complied by sending in another set of documents  XXXX   XXXX , Just to be told by  one  of there reps ... ..the documents I sent in a second time were also blurry. The information sent in was to verify my physical address ... However, the company should n't need anymore proof of residency, if I responded to the letter mailed by there company to my physical address via phone call/ fax. I feel my giftcard should 've been replaced immediately. I feel as if, I 'm being given a run around. I really want to file a class action suit on behalf of any consumers, who have been ripped off by there company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There were XXXX unauthorized transactions on my paypal Account, XXXX of which was refunded and the remaining XXXX paypal has refused to refund. They were not ebay purchases they were direct money sent on XXXX XXXX and XXXX XXXX. The sources seem to be XXXX and XXXX as XXXX of them is named XXXX XXXX and another is XXXX characters another is XXXX XXXX and the fourth which has already been refunded by the Scammer was XXXX XXXX. It appears to me that they sent out the first XXXX smaller withdrawls of {$100.00}, {$50.00}, and {$100.00} to see if they would go through. They did not, and the fourth charge of {$1400.00} the Scammers themselves withdrew after realizing I had no money in my back account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of my identity theft. Never recognize or authorize anyone to use my SSN for this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Payday loan) with Audubon Holdings Group (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX from XXXX XXXX is calling me stating that I have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen will not let XXXX access my account. I use XXXX to track my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I cancelled my credit card with XXXX XXXX XXXX card by Citi in 2nd week of XX/XX/XXXX as I got a very suspicous call from Citibank that I think is very intrusive. They are asking how I made my payments and where the payments are from. 
. Because of the cancellation, they are forfeiting my 2017 money rewards of {$420.00} which I earned already before the cancellation. There was a misunderstanding and they are insisting that I agreed to forfeit the {$420.00}. 

When I requested reinstatement, they insist i have to do application like a brand new applicant and I would forfeit my {$420.00} rewards anyway.

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 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NV).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: A little bit of background information, I am an active-duty XXXX in the United States XXXX XXXX with a XXXX XXXX XXXX and have never missed a credit or loan payment in my life. 

During the last week of XXXX XXXX, I heard about how Chase Bank was offering to waive annual {$450.00} fee ( voluntarily going beyond what is legally required that was required in the Military Lending Act ) for their most popular credit card, the XXXX XXXX XXXX. A few days later on XXXX XXXX, I decided to take advantage of this opportunity and apply for the credit card, and was told on the website that Chase would let me know if I was accepted or not via snail mail. Having not heard anything and just wanting to check on the progress, I called Chase on XXXX XXXX at XXXX PM ( PST ), and after a few verifications, the gentleman on the line told me I was accepted and that I was approved for a {$10000.00} limit and that I should be receiving the card very soon. On XXXX XXXX, I received the credit card and quickly went through the prompts to active the card and set it up. I then went out to dinner and used it without any problems at all and have n't used it since. Two days later, XXXX XXXX, I found out that my card had been abruptly cancelled without any notification prior to the event. I then called Chase twice at XXXX AM PST and XXXX AM PST and was told the first time that I should be receiving a letter in the mail better explaining what transpired and that he could not help me further than that. The second time that I called, I went through multiple individuals and agencies attempting to figure out what went wrong. Finally I get to a senior XXXX and get told basically the very same thing that the first gentleman told me, that I have to wait for the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Payday loan () with Mobiloans, LLC (FL).
Issue: Received a loan I didn't apply for

Complaint: My identity was stolen in XX/XX/2009. A XXXX XXXX. He obtained a DL and opened a fradulent loan with the DL. I filed a police report and an investigation was done. Afterwards, there was a warrant issued for his arrest.

Company response to consumer: Untimely response
Consumer complaint received 06/27/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN has been making repeated robo-calls to our home. Caller ID shows " Toll XXXX XXXX '' -- no mention of OCWEN. When someone picks up the line a recorded voice says to " stay on the line '' and some seconds later an operator comes on and asks for me or my husband. When I ask who it is they say " OCWEN a debt collection agency ''. Then they ask for my social security number! 
We are NOT behind on payments, and never have been. We refinanced our mortgage through XXXX in 2013 XXXX then through GMAC to get a lower interest rate. Apparently they sold the loan to OCWEN?. Now they are saying they need to " update their records '' via an unsolicited, unidentified phone call " for the trust ''????

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus,  XXXX , Equifax and  XXXX . I have requested that the information be removed due to per Texas  SOS debt collection must be Bonded, and although they are not a 3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the  search results.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other service problem

Complaint: I tried to log into my  Coinbase accou nt to check the balance while I was on vacation in  XXXX . They locked my account and have n't restored access and it 's now bee n 2  weeks.     I have contacted the company repeatedly and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: PCR wh a private company collection agency. I owed some back taxes to NJ. I got a notice from the State. I paid it! 
Then PCR said I also owed a penalty to the State BUT they also added on {$3000.00} for collection to them, PCR. 
I feel this amount is outrageous!

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 11/14/2015 about Debt collection (I do not know) with Nationwide Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving dozens upon dozens of calls from a collection agency which I discovered is Nationwide Credit Collection from XXXX for a debt I do not owe. I am not delinquent on any of my bills. These calls are arriving of late after XXXX and XXXX prior call came in at XXXX. I do not answer any of these calls. I am also receiving calls at my place of employment on a daily basis. I recognized the number from my home number and do not answer these calls but they continue to call. This has been ongoing for quite some time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Struggling to pay mortgage

Complaint: We are trying to settle with Ocwen/  XXXX   XXXX  The original loan amount was $  XXXX . Due to misapplication of payments  XXXX  started foreclosure. We are trying to settle with them, CFPB talks about principle reductions but  XXXX  considers all high interest added to the original mortgage amount - principle.   We have over $ 300k in interest they want to add to the principle.     What does CFPB consider principle?

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Home equity loan or line of credit) with KEYCORP (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I opened a second mortgage line of credit wth KeyBank in XXXX for {$130000.00}, which I use most of by XXXX. 
Owning my own business I was forced to shut down filing personal chapter 7 after loosing everything I had. Even though the mortgage payment was never late it was put into collections, I no longer had visual access to the balance but continued to pay it. In addition after I filed I was changed {$110.00} a year for lawyer fees which I complained about, no explanation just the overriding attitude of, ' we do what we want '. Fast forward its now XX/XX/XXXX, my house sold and pay-offs ordered. To my surprise the keybanks pay-off for the second is {$1900.00} higher then the original loan contract. For the last two days I 've been trying to get answers and no one has any, once its paid according to this department ( CFPB ) all I do is file a complaint. This is not the only problem I 've had with Keybank. When I filed I had two loans both, after I filed were changed off and sent to collections even though they were both paid as agreed and re-firmed. I now have two loans I 've been on for over 10years and even after requesting that I be allowed to see the balances the bank refused. Had I request the balance of the pay-off that was ordered by escrow I would have been at closing forced to pay it. All I can say with regard to KeyBank is watch your back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2018 about Debt collection (Medical debt) with California Business Bureau, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have constantly contacted this company for validation of this debt. 
I never received any documentation from them proving that this is mine. 
Ive never received correspondence from them either. 
Im not even sure how this ended up on my credit report without my knowledge of this in the first place. 

Also I do believe a medical file being sold to a collection agency is in violation of the hippa law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account does not belong to me and I was unable to verify this debt. I sent a debt validation letter out to XXXX XXXX XXXX and was unable to reach them. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. My letter was 'returned to sender '. Please see attached photo of returned letter and credit file address.

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 11-09-2017 about Debt collection (Credit card debt) with Law Offices of Hayt, Hayt & Landau, LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I m the victim of an on-line work at home scam, the work was to be a purchasing agent, the scam involved paying off my credit card balances so that I could then make purchases to be shipped, the scammer used an account from XXXX XXXX XXXX to pay off the balances of XXXX XXXX XXXX XXXX and XXXX card from XXXX XXXX, when I called the banks to seek fraud protection, they conducted an investigation and stated that because I made the purchases it was not fraud, when I further tried to explain that when the payments were returned back to XXXX XXXX that the XXXX XXXX account was fraudulently obtained and funded that credit cards by money transfer from a XXXX XXXX account, XXXX XXXX advised there was nothing they could do and refused to help.I have the account number and routing number that was given to me by the scammer and I have all the email documentation, a police report and a letter from the state attorney General, the banks say they conducted an investigation but did not want any of my documents to assist them on my behalf, XXXX XXXX wont discuss the matter with me stating they do not give out third party information and since I am not a customer with an account, they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and..

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed.

Waiting for a Reply, XXXX 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 10/26/2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Rewards

Complaint: I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$1100.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and are refusing to give me my rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously filed several complaints, upon review and in attempt to see responses I discovered that PRIMARY CONSUMER on all of my my complaints is LISTED AS  XXXX   XXXX . This is my EX WIFE, we have been divorced and living apart for nearly 4 years.To my knowledge she has never been associated with or responsible for ANY of my credit accounts or credit arrangements to include my home mortgage. WHY and HOW is this name attached to or affiliated in any way to MY CREDIT? I have never co signed on any loan with her, I am the sole signature on ALL my credit accounts NOW IN THE PAST or DURING our marriage. To my knowledge she has NEVER signed, in association with, or party to my credit in any way. How again, and why is she listed as primary consumer on my complaint and her name attached to my credit in any way? This is a GRAVE and SERIOUS ERROR. My previous complaint regarding reporting my home mortgage as an installment loan, and not dropping credit inquiries as they expire and in a timely manor to my knowledge and belief, has not been resolved and result or response to my complaint has not been received or conveyed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The amount of the loans are n't correct. The interest rate is high. I have n't been sent any copies of promissory notes from these loans. Nor copies with my signature attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I XXXX XXXX renewed my insurance a down payment in XXXX of XXXX of {$1200.00}, had the insurance agent from XXXX insurance to fax a proof of insurance to Nation Star. I 've called them 4 or 5 times, no resolution. I was told because in XXXX I had a little elapsed from XXXX to XXXX of XXXX, I was told that I must use escrow to the maturity of my loan. I feel that that is very unfair to me, I have supporting documents where they wrote me and made me aware that they are planning to buy me insurance, but it would be better if I went out and purchased my own insurance because it would be cheaper. Letter date XXXX XXXX, XXXX. I have the supporting letter and will sumit it to you for confirmation, it seem to me that Nation Star Mortgage is trying to make tremendous profit on me. The mortgage was originally taken out by XXXX XXXX XXXX , XXXX XXXX XXXX high interest rate I had some problems, they in return through me to this bad mortgage company ( Nation Star ) please help me to come to as smooth resolution. 
-Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation