milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I attended XXXX for two years in the late XX/XX/XXXX, incurring a student-loan debt of over {$13000.00}. I began paying the loan back almost immediately, through monthly payments to ( at that time ) XXXX XXXX. In the early XX/XX/XXXX, when my wife became XXXX and stayed home to raise our daughter, I deferred the loan. At that time I believe my remaining loan balance was around {$9000.00}. Upon resuming loan payments much later, I discovered that my new loan balance was now over {$12000.00} ( almost back to the original amount ). Still I kept paying ... Since XX/XX/XXXX I have been making payments through Navient, and have paid them around {$4200.00}, with a still-remaining balance of {$4100.00}. I 've requested a complete payment history of my loan since it was first incurred, but Navient can only provide me with data since they acquired my loan. I know for a fact that I 've paid back the original {$13000.00} amount through payments all these years, but ca n't confirm anything without a complete history, which no one can provide. I currently have no job and can no longer afford to pay, and much worse, I ca n't afford NOT to pay, lest my balance balloons right back to where I started. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I filed several times before complaints against " XXXX '', " TransUnion '', " XXXX '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " TransUnion '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XX/XX/XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for over 2 years to get a decent loan modification on my primary residence with my lender OCWEN. They state that I can not qualify for a HAMP loan modification because my investor does not participate in that program. So they stuck me with a 6.0 % loan modification that is XXXX % higher than the market interest rates. I ran my scenario using the XXXX website and it says that I totally qualify for a 3.25 % loan modification. I just want to keep my house and have an affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (OH).
Issue: Taking out the loan or lease

Complaint: I purchased a car through JD Byrider in XXXX that was financed through CNAC Byrider Finance LLC and had 24 months to pay. I started experiencing some serious problems with the car and took it in for repairs and paid {$400.00}. XXXX XXXX stated that they repaired the car but the car was not repaired in fact XXXX XXXX stated that they made the wrong repair and because of their mistake that said " we'er just going to put you in another car ''. I thought it would be an even exchange however, I ended up paying a {$1000.00} " deferred down-payment '' in addition to the {$500.00} cash ( down payment ) and the {$400.00} car repair. to sum it up 'm now paying XXXX {$190.00} bi-weekly payments started XXXX 2015. The sales price for the car " they put me in that I thought would be and even exchange I believe around ( {$6500.00} ) has been fiance for {$13000.00} at 20.999 % interest with the total sales price being {$21000.00}. I feel I 've been rip off can you please let me know if you can help me with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX/XXXX/XXXX, I was contacted by Cavalry regarding an old XXXX XXXX credit card. It is past the statute of limitations for collections. They contacted me at a phone number that I never gave to them nor authorized that they could use. They said that they could n't sue me but even though I said it was past the statute, the representative argued with me and said that they would still report this account to the credit bureaus. I have attempted to have Cavalry remove this account from my credit reports as it is past the statute of limitations but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Delinquent account

Complaint: I had a Chase credit card years ago and went to court because Chase was trying to sue me for a {$1700.00} balance they said I owed and I did n't. The judge through the case out and said for us to settle it outside of court because Chase could n't prove I owed it. Now I have a judgment for this amount plus interest from them. I saw an article where Chase Bank was ordered to stop collecting on accounts between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I fall into this category. How can I get this garnishment stopped? Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (Government benefit card) with Comerica (TX).
Issue: Unexpected or other fees

Complaint: My social security benefits were due to be deposited into my account on the XX/XX/2017. Upon calling to check my balance, I discovered that there were 2 transactions on my account which totally wiped my account clean, neither of which were made by me. I have tried since XX/XX/2017 to rectify disputing these transactions with XXXX XXXX, but to this date, they have been unsuccessful at transferring me to a level II agent as they state there are high call volumes and the phone continuously hangs up. I am a senior citizen with no way of taking care of myself except for the money that I receive from Social Security. The amounts were XXXX and XXXX. I found out that someone had duplicated my card and went to a XXXX XXXX in XXXX, Texas ; and purchased two Gift Cards, 1 for {$500.00} and they used the remaining balance from my card and another card to purchase another {$500.00} pre-paid gift card. <P/>I look forward to hearing from someone soon in regards to this. <P/>Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Application, originator, mortgage broker

Complaint: I 'm a current client with Bank of America who has decided to refinance. I thought because I have been a client with BOA for 13 years and that they have my info and history that it would be pretty easy but I could n't have been more wrong. The experience has been an awful and I would never recommend them. I reached out locally and did n't get a response. I called the XXXX number and I was put on hold for 14 min before I hung up. I called the local office again and finally heard from someone. The documentation they were requesting was way out of what is normally requested but we complied. Our mortgage office had said she has never seen clients asked for the documents we needed to produce and because it seemed so ridiculous especially for a refi with current clients who have great credit and standing with the company she kicked it up to her superior of which nothing happened. They need documentation from the association, which was sent and but I was told they never received. The association let me know that they not only sent it that BOA sent them all my personal information including SSN in an unsecure manner. BOA said they did n't have the ability to send emails in a secure way which is absurd for any bank never mind one of the bigger ones. All of my personal information was breached, apparently went somewhere but BOA never got it. The association resend my info in a secure manner and BOA ca n't open it. The hoops that I have had to jump through the lack of customer service and the breach in my personal information have lead me to NEVER recommend them to anyone. At this point they have everything but the association docs ( because they ca n't open them ) and I 'm heavily contemplating pulling the whole thing and going with a much better mortgage company. They do n't deserve my business. In todays world with identity thief they have completely exposed me and my family and I have no confidence in them as a financial institution. If anyone has lending needs DO NOT USE BOA.

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 09/26/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My son received care at XXXX XXXX Hospital on 2 occasions, XX/XX/XXXX, and XX/XX/XXXX, to address injuries received as a result of his participation in a high school athletic event. At the time of his initial hospital registration, the registrar was given XXXX insurance providers, our primary carrier which is XXXX, and the carrier used by the high school, which was at that time XXXX XXXX. 
Sometime thereafter I began receiving receipts verifying payment from other agencies who participated In his care, namely the ambulance company that provided initial transport, the surgeon who performed the procedures, and the physical therapy group that was used for his rehabilitation. 
After receiving no such notification for some time, I contacted the XXXX XXXX Hospital billing department to inquire as to the status of the account, and was given a different number to call. After placing the call I was asked for my contact information, which did not match their records as the address listed with my name was the address for XXXX XXXX XXXX XXXX, who XXXX XXXX Hospital had apparently been sending invoice statements in my name. 
XXXX XXXX 's liability had been maximized, but instead of billing XXXX, the account was made self pay. Given the incorrect address listed on my account, I was not made aware of the outstanding balance, nor the fact that my XXXX insurance had not been billed. 
After I corrected my contact information with what I was then advised was a collection agency, I checked my credit report and found that the accounts had been posted as delinquent resulting in a significant impact on my previously excellent and unblemished credit history. 
My position is that should the XXXX XXXX billing department been accurate in the documentation of both my insurance carrier and my contact information, this would never have been an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint: I purchased two {$200.00} XXXX gift cards from a XXXX in Washington DC on XXXX XXXX, XXXX. When I went to register them online on XXXX XXXX, XXXX, one card had someone elses name associated with it and two unauthorized transactions from a XXXX XXXX XXXX in New Jersey, and the other one was frozen. I spoke with XXXX in your customer service department who indicated that the frozen card had somehow been used in XXXX XXXX despite not being activated until 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 monetary relief
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted Equifax by phone on XXXX/XXXX/XXXX to request removal of a XXXX state tax lien filed in XXXX. At the time the lien was filed, I was living XXXX and was not in receipt of any notices of an impending tax lien from the XXXX XXXX XXXX XXXX. Upon my return to living XXXX XX/XX/XXXX I immediately contacted the XXXX and set up a payment plan which I completed in early XXXX ; the XXXX subsequently released the lien in XXXX XXXX. However, Equifax informed me on the phone call that they would not remove the record in their databases until 10 years after the filing, or seven years after the lien was released. When I inquired the reason, the agent informed me that it was because of state and Federal law that they were required to maintain the record. Unlike the XXXX Fresh Start program, and states such as XXXX where I currently reside, the state of XXXX has no mechanism for withdrawal of tax liens. ( XXXX legislation introduced several years ago to mirror the XXXX withdrawal legislation, SB XXXX, was not passed. ) I find this quite unfair, as it can burden many taxpayers like myself who have made the effort to satisfy their tax debts completely. As the XXXX noted upon initiating the Fresh Start program, " the goal is to help individuals and small businesses meet their tax obligations, without adding unnecessary burden to taxpayers. '' XXXX said, " These steps are good for people facing tough times, and they reflect a responsible approach for the tax system. '' Last month, encouraged by the Fresh Start program, I paid off an XXXX debt of {$33000.00}, in full. What can be done to get XXXX and the credit reporting agencies, to see things through the same lens? And, more to the point, why is it that the credit reporting agencies are claiming to be governed by different state and Federal rules.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX, I spoke with a Wells Fargo representative who told me that my loans would not need to be repayed until XXXX unless I graduated before that, in which case I would have a 6-month grace period after my date of graduation. My school inaccurately reported that I graduated in XXXX XXXX. I needed to work with the school to update my graduation date to XXXX XXXX. I submitted paperwork to Wells Fargo with this information, and I expected a 6-month deferment period after XXXX. However, Wells Fargo said that part of my loan had entered repayment while I was still in school. I thought this was part of the same clerical error, so I attempted to work with them to update the repayment date. However, they insisted that part of my loan went into repayment while I was still enrolled XXXX in school, and they declared this loan in default and demanded payment in full. I do not have the amount that they are requiring I pay upfront, and they are not willing to work with me to find a manageable solution to a problem that they created. They claimed to be able to consult phone recordings of previous conversations with them, but they refused to check on the call where I was informed that I would not have to start paying until XXXX. Further, they said they attempted to contact my co-signer about this, but my co-signer did try to call them, and they refused to talk to her. They said that I needed to speak with them directly. However, they would always call while I was at work and unable to answer, and every time I tried to reach them, the call went to voicemail. It seems that they were trying to prolong the conversation period in order to force this loan into full repayment.

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 06-02-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: This is a attempt  for two years  to obtain an accounting showing payments made and the current amount due and owing. I filed a complaint number  XXXX  back in  XXXX   XXXX  ; however, you appear to have dropped the ball. Nothing came of this complaint and I did not receive an accounting for  XXXX . Now I am attempting to obtain an accounting for  XXXX  from  Midland Credit Management Inc. I have made repeated requests for this accounting with no response from Midland. I do not u nderstand why this is so difficult to do. Further cfpb appears to have done nothing regarding my prior Complaint What gives?   Again why is this so difficult if  Midland  can not do this they should go out of business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Mortgage (FHA mortgage) with GMFS, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: GMFS issued XXXX separate escrow payments to our parish taxes both in the same amount of {$1000.00} on the same day. So a total of {$2000.00} was deducted from our escrow account. Immediately we contacted GMFS to notify them that they needed to correct the issue. They stated that a stop payment was placed on one of those checks and that they would refund the {$1000.00} to our escrow account within 30 days. They have not returned the {$1000.00} to or escrow account and have adjusted our mortgage payment higher than our contract dated on XXXX/XXXX/2016. Our escrow balance should be {$1900.00} and instead it is $ XXXX They have not resolved the issue and I would like to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated in XXXX XXXX with an initial student loan balance of $ XXXX. In XXXX XXXX I started paying my loans back through my servicer, Navient, on an XXXX payment plan. I was not notified by Navient that through this IBR plan that XXXX of my payments only went to interest and XXXX to the principal, and was also not notified that the 'capitalized interest ' during this timeframe of over $ 12XXXX was added to the principal balance of my loan. In XXXX of XXXX I put my loans in forbearance through Navient 's online system and was not adequately notified that accrued interest during forbearance would be added to the principal balance of my loan ( The only way I found out about this was due to an article I saw regarding the CFPB 's investigation of Navient ). My current loan balance is over $ 174XXXX - how is it possible that I have my loan balance is now XXXX high than it was when I started?! I want to fight this. There is no way I will ever get these paid down. These are not repayment options, these are money making schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I was considering applying for a HELOC through my XXXX. I spoke to an agent and discussed some options - HELOC vs a refi wth cash out. He stated he needed to verify my information before he could submit an application. He asked about my income and expenses and marital status (?? ), then he explained there is not enough equity in my home to do a refi - I owed XXXX, then it was worth XXXX, then he said I did not have enough equity in the home to do a HELOC. I kinda got the impression he was racially profiling me as a single XXXX XXXX woman, I earn about XXXX annually and have good credit. He said he would double check and call me back. I never heard anything else from CoreLogic or XXXX. In XX/XX/XXXX I remodeled my kitchen and decided to try to apply for a HELOC, When I pulled my credit report, I saw the hard inquiry from CoreLogic. I never authorized credit inquiry, never started an application and the agent I spoke to never submitted one or even called me back. I have tried to have this inquiry removed because I did not authorize it.

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 07-06-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Back on XX/XX/XXXX I went to purchase appliances on Home Depot using my credit card for the amount of {$1200.00}. A month later I decide to cancelled this order an purchase a better quality appliances for higher amount. I was informed by this company that i will received a credit for the {$1200.00}. Later on XX/XX/XXXX I sow a credit for the amount described. Beginning of this year I sow the same amount reflected on my account and a note saying that this promotion will expire on XX/XX/XXXX. Since XXXX of this year I am trying to fix this used also I maked a disputed with Citi Bank witch determinate I did have the credit for {$1200.00} back on XX/XX/XXXX. Obviously this bank never took the moment to review the problem and simple they answer was what Home Depot informed but never give me the credit. Now is even works because this year City Bank and Home Depot as well never apply my payment on my account and they refuse to fix this problem. I do have all the proofs to support and strong evidence they are overcharge my 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 explanation