milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: MY DAUGHTER CONSOLIDATED HER STUDENT LOANS WITH XXXX AND THEN THE LOAN WAS GIVEN TO NAVIENT WE ARE HARRASED 24/7 BY THIS COMPANY MY DAUGHTER PAY EVERY MONTH SHE HAS PAID BACK XXXX DOLLARS ALREADY AND NOTHING HAS BEEN APPLIED TO PRINCIPLE IN FACT ANOTHER XXXX IN INTEREST HAD BEEN ADDED ON TO THE LOAN. MY DAUGHTER HAS BEEN ON AN INC9OME SENSITIVE PAYBACK PAYING APP 500 PER MONTH IN PMTS. AS OF XXXX XXXX, 2016 THEY SAID YOU MUST PAY XXXX PER MONTH MY DAUGHTER SAID XXXX I CAN NOT PAY THAT IM ON XXXX THEY SAID WELL THEN YOU CAN GO ON FOREBEARANCE. MY DAUGHTER NOT REALLY KNOWING ANYTHING TOOK THE FOREBEARANCE UNTIL XXXX SINCE XXXX HER AND I HAVE BEEN GETTING NONSTOP CALLS 24/7 FROM COLLECTORS FROM NAVIENT WHO CURSE US OUT CALL EVERY NUMBE THEY HAVE ON FILE WITHING 3-5 MINUTES OF THE OTHER CALL CHARGING LATE CHARGES AND AT ONE POINT I SPOKE WITH A SUPERVISOR WHO ASKED MY INCOME AND HOW MUCH MY BILLS WERE A MONTH AND SAID TO ME OH YOU CAN CUT DOWN ON YOUR FOOD BILL BY XXXX PER MONTH AND PAY YOUR DAUGHTERS LOAN AT THAT POINT I SAID THIS CALL IS NOW ENDING. I HAVE WRITTEN TO THE ADVOCATE AT NAVIENT NO RESPONSE. MY DAUGHTER STARTED WITH XXXX IN CONSLIDATED LOANS AND IS NOW UP TO XXXX AFTER PAYING XXXX IN PAYBACK. I AM DISGUSTED BY THIS TYPE OF TREATMENT. I WANT THE ACCOUNTS TO HAVE AN AUDIT BECASUE MY DAUGHTER DOES NOT OWE THAT AMOUNT OF MONEY AND IT LOOKS LIKE A DISBUSREMENT OF ALMOST XXXX GOT HANDED TO THE SCHOOL 6 MONTHS BEFORE SHE GRADUATED. WHICH I HAVE A FEELING IS A FRAUDULENT DISBURSEMENT. I NEED SOMEONE TO ADDRESS THIS ISSUE BECAUSE WE CAN NOT TAKE IT ANYMORE IT IS TAKING A TOLL ON MYSELF AND MY DAUGHTER RUINING OUR CREDIT RATING IF MY DAUGHTER DIDNT PAY HER LOANS TO BEGIN WITH I CAN UNDERSTAND BUT SHE PAYS MONTHLY. THANK YOU WE ARE AT OUR WITS END XXXX XXXX FOR XXXX FORMERLY XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am currently doing a XXXX and have private student loans. However the company american educating services part of the XXXX higher education assistance agency 's veg continually denied my claims for forbearance or deferment. They keep bouncing me back and forth for months on end racking up late fees and payments I can not afford. 

I 'd like to complain about two aspects of my loan unable to get deferment while in a XXXX and school because they say my loans do n't qualify for that and their consumer interface which makes it Impossible to talk to anyone of use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a communication from AFNI regarding an attempt to collect {$23.00} of a {$47.00} debt. There is no information on the origin of the debt, how it was incurred or when. I have always paid XXXX in full and returned all of my equipment, however I have had many issues with them trying to bill me for non-existant services or equipment that they could not track. XXXX, I owe nothing to XXXX and they never tried to contact me regarding a debt. My forwarding information has been included at every place I have lived and I am currently a customer of XXXX with no issues and all bills paid. I believe that XXXX is trying to fraudulently pursue a debt that was improperly issued by their billing system or ANFI is just fraudulently trolling for money. It is interesting that XXXX engages a debt collector for a mystery {$47.00} when I am currently paying them ~ {$70.00} per month and have probably paid them over {$1000.00} in the last 2-3 years and they have never, ever contacted me about any debts. When they did contact me about debts in the past I disputed their authenticity as they were trying to get me to pay for equipment that was returned and they failed to track properly or trying to bill me for services I was receiving as part of a block purchase contract by my HOA. I can easily pay this amount, however I do not owe and the low amount strikes me as an attempt by XXXX and their debt collectors to shake me down for free money.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX I called Goodyear to complain about a {$10.00} FEE when I withdrew just {$20.00} from my XXXX XXXX XXXX ATM, on XXXX XXXX, XXXX. Goodyear employee told me that they were just following the law and the fee was valid. I believe it is usurious to charge 50 % fee for a small cash transaction of {$20.00}, Goodyear would not budge on eliminating the fee. My credit is XXXX with Goodyear having paid off purchase of XXXX tires.

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 03-10-2016 about Debt collection (I do not know) with National Principal Group, LLC (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: My family remember received a call from National Principal group claiming that they are looking for me and need to know my whereabouts. They are claiming in their message that they will press charges against me if I do not contact them. I have no idea who this is or why they are harassing my family member. i do n't even know how they got my family 's phone number. It is illegal to harass or threaten to obtain money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Choice Recovery violated Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST.  THEY DID NOT CEASE AND DESIST AS THEY DID NOT REMOVE THE DEROGATORY INFORMATION FROM ALL OF THE CREDIT REPORTING BUREAUS FILES.       I was advised by the credit bureaus, th at Choice Recovery placed the account for collections per attachment.      I submitted per attachment under Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A 1601.1692 et al, and to remove  the derogatory information on my credit bureau files.       CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices  Act. 15 U.S.C.A 1601.1692 et al,  and to remove all derogatory information on my credit bureau files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: - I opened a Wells Fargo Everyday Checking account on  XXXX   XXXX ,  2017  online and was told that I am eligible to receive a {$250.00} bonus once I complete a set of activities within 60 days of opening the account.   - I completed all the required act

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 06/14/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My home is scheduled for sherrifs sale XXXX XXXX, XXXX. I have been asking every since I got the " according to our records '' letter from Caliber home loans for some sort of proof that they own the loan. I have most recently asked for a copy of the note and have not, as of yet, received it. When I have asked ( and I have asked multiple times ) why it is not yet registered with land records that Caliber now owns the loan, I was told it was submitted on XXXX XXXX, XXXX and is pending. Not only until I questioned this and contacted land records myself, so I get the response from them, oops, sorry, that was wrong. I have downloaded, from the sherrifs sale site that XXXX owns the the loan. It was submitted XXXX XXXX, XXXX and filed XXXX XXXX, XXXX. How can Caliber sell my home if they are NOT the owner of the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of 2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

I have attached a few of these statements that I mentioned. Note the dates and what I " owed ''. You can see, how confusing this was. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WI).
Issue: Account opening, closing, or management

Complaint: I applied for a Citigold Checking Account XX/XX/XXXX with a promotion to receive XXXX AAdvantage Airlines Miles upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I talked to Citi on the phone on XX/XX/XXXX and the representative confirmed that I had met the requirements and that I would receive the points by XX/XX/XXXX ( within 90 days ). However, I have not yet received the points and Citi is claiming that I am not qualified for the promotion. They are delaying and rejecting my requests which is costing me additional monthly fees for the 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 02-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar LLC has failed to respond to my pertinent questions of them, that only Nationstar, as the servicer for XXXX XXXX 's mortgage with myself, can correctly answer in writing to me. I have been working on these Nationstar issues, since XX/XX/XXXX. 
Over the past year, I have contacted Nationstar FIFTEEN ( 15 ) more times by email since that first one noted above. I have also contacted Nationstar by telephone many, many times during the past year, all to no avail. 
This complaint is being created on Thursday, XX/XX/XXXX. 

The below is a copy of my latest email to Nationstar on XX/XX/XXXX. 
" Mon, XX/XX/XXXX at XXXX XXXX XXXX XXXX ;, XXXXXXXXXXXX XXXX and XXXX : It is outrageous that I have been on the telephone, since XXXX EST until now XXXX EST, over two and one-half hours, waiting for a customer service representative in the REO department to talk to me. 

Please have someone call me back at XXXX???.???? that can easily discuss and solve with me, my questions about these XXXX outstanding Nationstar issues : 1 ] a detailed mathematical spreadsheet showing all items that Nationstar used to calculate the XXXX that I received today, showing {>= $1,000,000} as Nationstar 's accounting of cancellation debt. 

2 ] Nationstar receiving a refund check from my flood insurance company in the amount of {$1400.00} that now shows as a credit in my escrow account, thereby requiring Nationstar to forward that same amount directly to me. 

3 ] Nationstar 's refusal to acknowledge that Nationstar has no interest in my former property at????????????????. 

4 ] Nationstar 's refusal to acknowledge that Nationstar is owed nothing by myself. 


Please kindly acknowledge your receipt of this requesting email from me. 

Thank you, from myself????? " The above is a copy of my latest email to Nationstar on XX/XX/XXXX. 

Please contact Nationstar LLC about my XXXX issues and this currently created complaint. 

I thank you for your help and look forward to hearing from you and Nationstar soon. 
Thursday XX/XX/XXXX complaint filed with CFPB Consumer Financial Protection Bureau. 
END

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Payday loan () with National Credit Adjusters, LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Excessive fees charged in continuous months in excess of {$1000.00} for a {$300.00} loan. Paid some of the loans but discontinued due to increased fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: Capital One Bank Credit Card - While out shopping card repeatedly kept declining. My first thought was that is fine since I had not used the card for shopping in quite sometime. I use monthly for Fitness Membership. 
So I decided to contact the fraud department to advise them that yes it is really me using the card. They were okay with that and said thanks for calling in for clarification/verification. I work in the XXXX XXXX Field so I really appreciated the Fraud Dept. looking out for my best interest. The only problem thereafter is that the card declined basically each time I tried using it and each time I called the fraud department. I was repeatedly advised that Capital One suspects fraud. Called the Executive office at XXXX and file a complaint with XXXX. I was advised it would take 7 to 10 business days for review. This was XXXX/XXXX/16. 
I called back to check the status XXXX/XXXX/16. XXXX with XXXX who advised me she would advise XXXX or whomever to please check the status of open case # XXXX. I called again today. XXXX called me back to let me know the case is still pending. I am contacting you because I do not feel they are taking my case seriously. I plan to travel out of the country XX/XX/XXXX-XX/XX/2016 and do not have faith my card will be authorized if used. I have never missed a payment with Capital One Bank. In fact, sent them a check for XXXX back in XX/XX/XXXX or XX/XX/2016 thus paying off the card in question ending in XXXX and a good chunk of the one ending in XXXX. I commend their fraud efforts as a XXXX worker. However, they are taking it to the extreme. It 's almost like they do not want to be in the credit card business. It is so embarrassing trying use to use my card to be declined in front of a bunch of strangers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: In correspondence dated  XXXX  -2017 I maile d this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Bank account or service (Other bank product/service) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/16 I withdrew {$600.00}. from an ATM like I always do. My receipt said I had {$20000.00}, which was correct. 4 days later when I tried to get money out to pay for car repairs my balance was {$250.00}. I immediately went to bank and reported this. I was told the back would give my money back while they did an investigation. 2 months later still no money. I had my card in my possession on XXXX/XXXX/16 but someone had already been stealing money from ATMs and making purchases using my card number since XXXX/XXXX/16. ( These transactions did not show up on my ATM receipts so I had no knowledge of them ). I have been to First Tennessee Bank at least 20 times and have submitted all the information they requested and have talked to XXXX police and security at the bank dozens of times. I have a {$600.00}. 
limit I can get every day, but First Tennessee let someone get more than that multiple times without my authorization. I have no car, my health and car insurance cancelled, phone cut off, no place to live, and no way to work for 2 months. Last time I talked to XXXX XXXX in the XXXX FTB Security, she told me they ca n't discuss MY account while the investigation is going on. I even gave them the name and persons address who used the card on multiple occasions, and they did nothing. I do n't even have XXXX cents to call them or catch a bus to a nearby branch. They have ruined my life for 2.5 months and do n't seem to care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. On XX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. OnXX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.

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 05/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our clients submitted a loan modification to Ocwen and were given a single point of contact XXXX XXXX. During the process of loan modification, they were concerned about the pending foreclosure action that was ongoing and were fraudulently advised several times " not to worry about the foreclosure action of default because they were being reviewed for a loan moidification ''.

Company response to consumer: Closed with explanation