milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making double payments for both federal and private loans to Navient ( total payment for each time is around {$4400.00} for 1 federal and 4 privates ). Navient had made so many mistakes by applying to all amount to one or two accounts and left the other ones delinquent and then they charged me late fees countless times for all of their own mistakes. Last December, they charged me extra payment of {$2300.00} without my authorization ( so my total payment went up to {$6700.00} ). I could n't afford to pay off the credit card for that amount. I called Navient and I also filed with my credit card company for unauthorized charge. My credit card ( XXXX ) told me they could n't refund it since it was n't stolen. I called Navient again and again. Instead of refunding the only extra payment, they refunded the extra payment twice and put my account in delinquency. I realized Navient mistake after the XXXX advised me that some changes in my credit score. My score went from XXXX in XXXX to XXXX in XXXX. I called Navient and correct their mistake by making the payment of {$2300.00}. They told me that they would fix my credit score. It never happened. I called them back on XXXX/XXXX/17. I was told that I had to write the letter explaining what happened and requesting Navient to fix it. How can this be possible when I have to do all of that when they are the one who created all of this dilemma. This was not the first time it happened and it was not the first time they asked me to write letter or correct their own mistakes. It comes to the point I think it is the way they deceive the borrowers so we can not relieve our co-signers. When I tried to apply to have my co-signers to be released of their financial responsibilities, Navient told me that I was n't qualified because I was late in my payments before. I asked them to look at the records and listen to all the calls I had been talking with their customer service. Of course their answer was the records showed that I did n't make the payment on time even though they were the one who made mistakes. I got so tired and gave up. Until today when I saw the lawsuit that CFPB filed against Navient, I know my prayer was answered. Finally, the justice is served. All the allegations on the lawsuit are very true. I 'm sure that I 'm not the only one victim here since all of my classmates and friends who are Navient borrowers said the same complaints. We are working hard to pay back our student loans ( no complaint, only appreciation for helping me with my career ) and we are struggling to fight with Navient deceit. I hope this lawsuit will bring relief to many borrowers from credit being savaged, ridiculous phone harassment, deceived late fees, and many more. Please put an end to that. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Third Party, Equitable Acceptance, committing fraud through my student loan asking that I pay {$1400.00} to consolidate and forgive a loan that can be consolidated and forgiven for free. I am currently trying to cancel this " transaction '' as I have been informed by the department of education that it is in-fact fraud. The company is currently fighting with me telling me that the Department of Education, who is supposed to " approve '' me for a program, is also the ones telling me not to use this company so they can get more money from me when it Is really Equitable Acceptance trying to steal money from me. This is the letter I am writing them to cancel this whole transaction : To whom it may concern, Today I was informed by the Loan Consolidation Center of the U.S. Department of Education that I can consolidate my loans for free. I was also informed that I can apply for loan forgiveness for free. Based upon this information, I am notifying you that I am cancelling the " revolving credit plan '' for {$1400.00}, which was represented falsely as required for loan consolidation and forgiveness application. I have received no services from your company to date nor have I made any payments. 
I have also spoken with the Student Loan Ombudsperson ( Ref. # XXXX ) and was directed to file a complaint with the Consumer Financial Protection Bureau. I contacted the CFPB and filed complaint #. In addition, I was directed to contact the Illinois Attorney General 's office and I have filed a complaint with them as well ( # ). 
I have placed a " stop payment '' on my XX/XX/2017 payment. Any attempt to collect funds from me will be documented in the fraud complaints with the CFPB and Illinois Attorney General 's office. In addition, any adverse credit documentation will also become part of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: {$5000.00} loan has a balance owed now over {$50000.00}. I have been consolidated to Great Lakes and in forbearance for many years now. I work, but could n't afford {$400.00} plus each month so they put me on income repay at {$140.00} per month but with hardships they put my debt on the back end and capitalized the interest and auto forbearance every three months. I ca n't afford repaying all this interest and penalties!

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WA).
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: I paid a company called XXXX in XXXX of XXXX the sum of XXXX, this came with a monthly service charge of XXXX on my XXXX XXXX. After a year they told me they were no longer accepting XXXX, I could only assume XXXX had a problem with chargebacks due to fraud. They then convinced me to give them my visa card. The only way to be successful would be to purchase the Platinum Package which was worthless. They charged my XXXX card for years convincing me I was going to make money.I spent a good part of my life in the service and was counting on this to supplement my retirement. To my dismay the XXXX XXXX XXXX that all this was charged on told me they would only go back 90 days.I talked to a girl called XXXX, who was not very helpful.I wanted to dispute them as services not rendered or merchandise not as described, which I have been told the time frame could be as much as 540 days.My visa has a total of XXXX from this company.I do not feel the XXXX people are correct. XXXX told me they would cancel my remaining 11 months.To me that tells me they know they are wrong.This merchant should refund me in full.They broke all the FTC rules.Not only did they break the law, they left me with no online business, in debt, and no ability to earn money.The bank says they can not help me but the merchant can take my moneyI am only asking XXXX XXXX XXXX to help me using their own rules and regulations.These at home business opportunity companies should not be allowed to operate a merchant 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 non-monetary relief
Consumer complaint received 02-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX XXXX I checked my credit through annual credit report to see if a foreclosure had been removed. I selected Experian as the agency. When I went to check the credit they wanted to charge {$4.00} extra to get my credit score. In small fine print it said they were signing me up for a credit monitoring service, but I was not clearly made aware of this. I also was not informed that a charge outside the original agreed upon {$4.00} was going to hit my credit card on XXXX/XXXX/2016. On XXXX/XXXX/2016 I was charged {$19.00} by Experian. On XXXX/XXXX/2016 I saw the charged and called to ask why I was being charged. The agent on the phone informed me that I signed up for the service. I told him I had no knowledge of signing up for the service and that they never informed me I was about to be charged. The agent refused to refund my money for the service that I had never used and said they had documentation proving I signed up for it. I do n't think they should be allowed to sign people up for a service who are coming form annualcreditreport.com especially when they do n't make it very clear that getting the credit score is also signing you up for their service. To then refuse to refund money for the service when it was never used after getting the score is again invalid. They are clearing trying to scam people by automatically signing them up the service and then stealing their money by refusing to give them a refund once they realize they were signed up. I plan to dispute this with the credit card they charged, but I have a feeling the credit company will side with them and they are probably in on the scam. I ca n't refuse to pay the credit card company for the charge if they side with experian or I will ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: lIEN NEEDS TO BE REMOVED AND MY SCORE REINSTATED ... .STATE OF MARYLAND HAS CONFIRMED THIS IS AN ERROR DOCUMENTATION ATTACHED.

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 03-08-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Contacted CitibankbCustomer Service on XX/XX/XXXX - had long conversation about incorrect service fees. Was told two months fees would be refunded and they would research the other fees. 
Called XX/XX/XXXX because of an insufficient funds email from Citibank. Found they did not correct ANY fees and charges another months fee and an insufficient funds fee of {$34.00}. 
After three conversations, One Hung up on me, they said the fees refunds were denied.

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 09-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech is claiming that I have a escrow shortage and need to pay {$160.00} more per month than the anticipated disbursements THEY calculated for the year. Where is this extra money going? Will I get a refund at the end of the year? Will my payments go down months later? How much of these additional funds of mine do they have now? Additionally, my payment is due on the first of the month, and they call daily, morning, afternoon, and night, in the same month before it is even 30 days past due. I believe they are breaking laws re their handling of escrow funds and collection practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with Credence Resource Management, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company : Credence Resource Management This company contacts me from various numbers and blocks their identify when they call. I have noticed they use a pattern when they call me so I 've been able to add them to a block list, but they are relentless. 

I have spoke to the company and they were going to set me up on a deferment due to loss of job ; however, they never completed this process and now will not provide me with that ability. 

They call me from the following numbers and never identify themselves or leave messages ; XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX ( Asked rep to send me copy of debt ), XXXX XXXX ( Same Rep called back just to bother me because I hung up on them for not identifying themselves to me. They stated they will put me in the system to get more phone calls since I 'm not wanting to pay my debt in a timely way. ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX ( Spoke with their Rep and told them about loss of job and they stated they would make notes and set me up on a deferment, but they never did ), XX/XX/XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX/ TARGET CREDIT DATE ACCOUNT OPENED XX/XX/XXXX BALENCE : {$450.00} DATE OF MAJOR DELINQUENCY XX/XX/XXXX THIS IS NOT MY ACCOUNT. I LOOKED AT MY CREDIT REPORT IN XX/XX/XXXX AND FOUND THIS ACCOUNT THAT IS NOT MINE. I ALSO CONTACTED TARGET AND MADE THEM AWARE. THEY WENT TO ALL 3 CREDIT BEAUROS AND REPORTED IT AS OF XX/XX/XXXX AS MAJOR DELIQUENCY. I ALSO DISPUTED IT WITH THE 3 CREDIT AGENCYS. THE LADY AT TARGET CUSTOMER SERVICE TOLD ME SHE DIDNT CARE ABOUT ANYTHING I WAS SAYING AND JUST WANT A CREDIT CARD OR BANK ACCT TO COLLECT THE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Medical) with Revenue Recovery Corporation (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: a check was mailed out on XX/XX/2015 with my online bill pay with my bank and they held it and only cashed it on XX/XX/2015 and still say I did n't pay even after I provided a copy of the canceled check and told XXXX on XX/XX/2015 that it was unpaid which is 13 days after they had the money in their bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I do not know if previous submission worked. Equifax is saying my communications are frivolous now. I have XXXX types of items that are still showing despite XXXX disputes of them including documentation ( attached ). 
1 ) Tax Lein Release withdrawal, serial # XXXX, IRS form XXXX. This states the IRS is withdrawing reporting of this lien. I just phoned them, and they told me to submit the attached form ; however, I have done that, on at least XXXX occasions. XXXX XXXX and XXXX have both removed the tax leins ; it is only EQUIFAX who has deemed this irrelevant and frivolous. 
2 ) Judgements : There are XXXX judgements listed in error. Both XXXX and XXXX have removed them, Equifax is saying my requests are frivolous, told me to get hold of the courthouse and attorney, I did, and they can find no record of them. Equifax has not done their job by actually calling the courthouse and/or attorney. XXXX and XXXX have deleted these items. 
I am XXXX, XXXX, and do not have much money. I can not get credit, which I need, and have trouble renting. Please help. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Debt collection (Payday loan) with Eastpoint Recovery Group, Inc (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX was the original debtor, received a call from some guy named XXXX XXXX from Eastpoint recovery claiming that before my case goes into court they were trying to avoid court preceedings etc ... 
He has called my family members and disclosed my debt to them. I was scared into paying a down payment to keep my account out of court. They first took XXXX then XXXX within a month time. I requested a verification of my payment plan but never received it. they then try to take more than the amount agreed on the next payment. I still have not received any written verification of the debt or this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Vehicle loan or lease (Loan) with Avid Acceptance, LLC (IN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On  XXXX   XXXX ,    2017 I w as hit by a drunk driver and the damage of this accident resulted in my car being totaled out ap prox  X/XX/2017  b  y  my insurance comp any. Avid Acceptance has reported me as late on payments ( have only one late payment history with t hem up to this point ) all the way fro m  XX/XX/XXXX  throu gh to   XX/XX/XXXX   even though they where well away of the accident and the fact that the insurance company is waiting on them, they continue to delay on providing a letter of guarantee to my insurance company. There has been no contact with me despite my attempts but continue to report me as late on my payments. I have disputed and the results come back stating they are right in their reporting. I do n't understand how they are right in their reporting and how the reporting can be considered accurate.

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 12/18/2015 about Debt collection (Non-federal student loan) with SIMM Associates, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received numerous calls and messages per day. Agents threatened to go after my mother and her home. Agents threatened to garnish my wages and my mother 's wages. Agents refused to accept that I was unable to pay. They coerced me into liquidating my retirement fund at huge penalties to get them money ( I feared they were going to take my mother 's house ). Even after doing so to get into a payment plan, they have continued to call and ask for more money than the agreed payment plan. They have also on more than one occasion double charged my account for the same payment ( essentially attempted to take XXXX payments instead of XXXX in XXXX separate months, requiring me to contact my bank to get the second payments stopped ). This was done without my consent and without any notification.

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. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquiries from Equifax that were unauthorized. Equifax do not want to investigate in to the situation for me

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My Equifax credit report says I have a delinquency on my student loan in 2012. That is a mistake. I have never been without a deferment Furthermore, I am in the third and final year of the having that loan forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a collection that does not belong to me, reported on my reports and I have tried to get them to remove it, but they keep saying they have verified it is me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Credit card () with CITIBANK, N.A. (NV).
Issue: Customer service / Customer relations

Complaint: I purchase furniture with Citi Visa Card and paid card off immediately. 
When delivered, was damaged and I refused as per the sellers instructions. 
Seller received the returned furniture and told Citi Credit card company returning funds. I could not get Citi to return the funds so made a dispute. 
Citi has stated that the funds would not be available till XXXX XXXX, 2016. 
I need funds immediately to purchase furniture and they have refused. 
Have not filed a complaint with Court, yet.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax, as well as the other credit reporting agencies, should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. In addition, changing the PIN with information that was already stolen is ridiculous. This is not only unsafe, but will allow further unauthorized use of your identity.

Company response to consumer: Closed with explanation