milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: YOUR COMPLAINT This complaint concerns  Navients aggre ssive and intrusive debt collection practices. I have regularly made monthly payments on my {$9000.00}  XXXX  loan with 10.5 % interest since graduating from  XXXX  University in  XXXX . I now owe {$4000.00} on that loan. I was laid off in  XXXX  of  XXXX . Since then, I have been unemployed and struggling to find a job. I have inform ed Navient of my financial difficulties for many months. In the las  t two months, Navient h as become highly intrusive and abusive in its phone calls, enough so that I consulted with a legal service s (  free ) attorney.   On  XXXX   XXXX ,  XXXX , I filed a complaint with the CFPB with the help of her legal services lawyer.  Navient has responded that it is not going to respond since the complaint was filed by my attorney, not me. Navient and CFPB have thus closed the c ase.   The calls have gotten worse since  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I sent an email to my attorney and reported the following : Employee ID  XXXX  calls. He makes me go through all of my financial statements, asks me my minimum payments, how much I spend on food, transportation etc. Then he wants an answer as to why I wo n't move back in with my parents and save rent. ( I am  XXXX   XXXX   XXXX . ) He then stated he pulled up my credit report, told me my story is n't real and that I am not out of work. He stated we are setting up a payment plan and accuses me of lying about facing hardship because my credit report shows I 'm paying all of my other bills ( which is not true ).   Similar calls with intrusive and belligerent questions have continued. On the last call, when I was explaining for the hundredth time that I was still unemployed and could not get the money from other sources, the Navient collector argued that the fact that I had a cell phone meant I was choosing not to pay Navient. When I said I had no money for stuff other than rent, food and basic utilities, the navient collector said you better find it. When I said, Im calling my lawyer, he said, lawyers cost money, insinuating that I am choosing not to pay   Navient.
I have paid this loan for years. I have hit a difficult time employment-wise. Navient has alwa  ys gotten its money from me. It is still earning interest on this debt. Its calls are deeply upsetting and counterproductive. I do not understand why Navient is treating me so harshly when I have a lifetime of earnings ahead of me when I get back on my feet with which to repay it with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: A Wells Fargo Deposit Account has been opened under my name. account ending number are XXXX non of the accounts I have with Wells Fargo end in that number. the account was discovered by XXXX XXXX XXXX ( XXXX ). I want to end mu business with Wells Fargo but before I need to Fix this. also I want all fees charge because of that account, returned to me. any advice?

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 09/18/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, my ex-husband and I consolidated our student loans and I was designated the primary loan holder. In XX/XX/XXXX, I divorced my ex-husband and asked Nelnet, our student loan servicer to separate the loans. I was told that the loans were inseperable and that I was responsible for the the entire amount because the consolidation contract superceded any other legal documents. In XX/XX/XXXX, I applied for dismissal of my student loans based on my XXXX XXXX XXXX XXXX. I was told by the loan servicer at that time that the loans could not be separated, so I would have to file for the entire amount and then be responsible for the taxes on the loans forgiven to the IRS. I recieved a letter showing that the dismissal was granted in the entire amount, pending a three-year watch period. The the following month-XX/XX/XXXX, I started recieving bills for my ex-husband 's portions of the loans. Thus the nightmare began. I have recieved phone calls, letters, and have had my credit ruined by Nelnet because my ex-husband refuses to pay the loans. I have repeatedly asked over the phone what the monetary amount was forgiven, but at that point the caller usually stammers and tells me that they will find out and that I will recieve a letter in the mail -- none have arrived. I have also not recieved the official tax documents that I was told would be forthcoming. Nelnet has also reported an incorrect address to the big three credit report bureaus -- I live in Florida, the new address is for an appartment complex that I lived in from XX/XX/XXXX-XX/XX/XXXX, but the apartment number is incorrect. They have also asked my current husband over the phone to pay my ex-husband 's student loans. I am on Social Security XXXX and can not afford to pay these loans, but I am told that as a co-signed on my ex-husband 's student loans that I have no recourse. I am beyond exasperated with Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (ME).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a {$400.00} loan on roughly XX/XX/2017 under the guise of a high interest rate and {$120.00} payment per pay period but now I am being told the {$400.00} payday loan will end up being {$1400.00} with interest! Even if paid it off early. 

Right now my total amount due is supposedly {$800.00} and thats {$400.00} principal and {$400.00} interest! 

I have revoked ACH authorization from the group ( after reading stories of similar situations ) and will be happy to settle this matter but not for {$1400.00}. That has to be illegal. I feel based on similar type loans that {$500.00} would be fair in payments I manually initiate every 2 weeks when I am paid. 

Through further research I have discovered that this group is facing multiple class action lawsuits. XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (NC).
Issue: Deposits and withdrawals

Complaint: Rush card sent text messages telling all customers to withdraw what ever cash they needed from there account on Sunday because they where upgrading the system and it would be down Monday from XXXX-XXXX now its. Wed and everyone cash is tied up no balance shown and even if it does you ca n't spend it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Money transfers (International money transfer) with XOOM CORPORATION (TX).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX, 2017, I accessed Xoom.com with the intent of transferring $ XXXX from my XXXX XXXX XXXX account to a XXXX XXXX XXXX XXXX " XXXX '' XXXX account held by a XXXX XXXX After I input all required information for this transfer, I was sent an email notifying me the funds should be available to my XXXX friend on XXXX XXXX. Shortly thereafter on the same day, I was asked to verify additional information, which I did immediately. I received a text message from Xoom the morning of XXXX XXXX, stating my " transfer to XXXX was sent to XXXX XXXX XXXX. Transferred XXXX XXXX ''. However, later than morning, I receive a email message from Xoom stating " We 're sorry, Xoom or our partner has encountered an unexpected problem processing transaction XXXX. We 've cancelled the transaction at this time and sincerely apologize for any inconvenience. '' When I contacted Xoom about the " problem '', I was told that XXXX declined the exchange rate which Xoom had used to induce me to send the transfer through them, and therefore Xoom had to cancel the transfer. I assume this meant XXXX now required a more favorable rate than that which Xoom has sold to me. When I pointed this out to Xoom, they said they could not reinstate my original transfer for any reason. Based on these facts, it seems clear that even though Xoom created a contract with me using a certain exchange rate, they decided not to honor such when their partner increased its exchange rate. This would not only be a breach of contract, but a very unscrupulous means of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Mortgage (Reverse mortgage) with Peer Advisors, LLC (CA).
Issue: Trouble during payment process

Complaint: I have an emergency in that I have to have XXXX and will be in XXXX and XXXX for at least 2 months. I have a reverse mortgage and HUD has a hold on my mortgage money until XX/XX/XXXX. I need some money released for the XXXX and food and someone to take care of me as I am alone with no husband or relatives. This is a shame, it is my money and I will be in bad shape unless they release at least {$1000.00} to help me until XX/XX/XXXX. 

Ca n't someone do something, even if I have to pay a penalty fee or something. I do n't know what to do. 

My loan is with XXXX and they are very hard to deal with and hold the money until the last minute when they do release anything. Loan number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
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 am a victim of Binary options Fraud in which my credit cards were used to fund a binary options broker so that the broker could use the funds to trade binary options. Two brokers were used : XXXX XXXX and XXXX XXXX XXXX both companies claimed they operated out of the XXXX. The following link is from the FBI explaining how these companies defraud people : https : //www.fbi.govXXXX The following link from the CFTC have put these companies on a red list flagging them for fraud. XXXX XXXX XXXX will be put on the list after the procedure is completed. 
http : //www.cftc.govXXXX The following are dates and dollar amounts : XXXX Credit Card XXXX XXXX Bank of America XXXX/XXXX/XXXX XXXX 4 transactions of XXXX to " XXXX XXXX XXXX '' totaling XXXX - After I reported the fraud to them they credited the money bank to the card. 
XXXX credit cards ending in XXXX and XXXX by Bank of America  XXXX/XXXX/XXXX card ending in XXXX for 1 transaction of {$2500.00} and card ending in XXXX for 1 transaction of {$2500.00} - After I reported the fraud they returned the money back to the cards. 
XXXX Credit/Debit Card by Bank of America but was used as a credit card not debit. 
XX/XX/XXXX - 1 transaction of {$5000.00} to " Bank of Options '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$3000.00} to " XXXX XXXX XXXX '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$250.00} to " XXXX XXXX XXXX '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$500.00} to " XXXX XXXX XXXX '' Money returned after fraud reported. 

The following are dates and dollar amounts for the same transactions to the same fraudulent brokers but money not returned. 

XXXX Credit/Debit Card by Bank of America but was used as a credit card not debit. 
XX/XX/XXXX - 1 transaction for {$10000.00} to " XXXX XXXX XXXX '' Money not returned after fraud reported. No difference, same type of transaction to same fraudulent broker. 
XX/XX/XXXX - 1 transaction for {$5000.00} to " XXXX XXXX '' Money not returned after fraud reported. Same type of transaction to same fraudulent broker.

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 05/24/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Closing/Cancelling account

Complaint: I opened a Barclay Card Financing credit card in XXXX XXXX and charged {$2200.00} on it. I paid {$200.00} a month and paid it off by XXXX XXXX ( last payment on bank statement attached ). I tried to use the card over the XXXX holiday XXXX but the expiration date was XXXX and it took me XXXX tries to get the correct card which I received after the holiday. I have not used the card since XXXX XXXX as I am paying down my other credit cards. ( I had XXXX in XXXX and was just getting back to work in XXXX ). I received a letter from Barclays XXXX XXXX stating they have closed my account for inactivity ( attached ) and they informed me in a letter after they closed the account. I contacted Barclay with my biggest concern which is that my credit report that I 've tried hard to improve will be adversely affected. They agreed that it will adversely affect my credit report but said they ca n't do anything about it. I waited over XXXX minutes to speak with a supervisor who never came on the phone. I feel this is completely unjustified. After having a sizable balance, paying it off consistently and with a higher than required monthly payment, paying down my other cards so that I can be free of debt and a responsible consumer, I am being penalized by Barclay for no good reason expect pure greed and consumer malice. I feel that Barclays Bank is encouraging irresponsibility with the intention of greed and getting away with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Other mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Planet Home Lending failed to request payment for some XXXX discrepancies in our account to XXXX, KEEP YOUR HOME CALIFORNIA. Now they are trying to get us to pay it. This caused a monthly inconsistency in our mortgage payments. Because this issue was n't corrected, it made our account look delinquent every month since XXXX XXXX. Also, XXXX paid Planet Home Lending through XXXX of XXXX and Planet Home Lending is stating they were only paid through XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score.  Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.

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 09/28/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Billing disputes

Complaint: I have been paying HHGregg through Sychony XXXXfor two years. Now it seems that I am at thebeginning balance since I purchased in 2013 XXXXSyncony XXXX is trying to make me pay over XXXXin interest, Also HHGregg sold me merchandise that wasnot working. Tried to return but tey would not take it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Seterus, Inc. is alleging that I have already had my " XXXX opportunity to qualify '' for a HAMP Modification. However, based on the history and handling of my prior requests for foreclosure prevention assistance, I do not believe that I have been given an unfettered opportunity to qualify for a HAMP. Moreover, as explained in the attached letter that CFPB is copied on, the attempted HAMP by XXXX was nullified by XXXX 's own deliberately improper processing of the HAMP and by the very language in the " Agreement '' itself, at Item XXXX, Section K -- titled " Additional Agreements. XXXX falsely reported to the U.S. Treasury Department that the " implementation process '' for the HAMP on my loan had been " completed ''. Then, with full knowledge that this reporting was false, XXXX proceeded to accept and apply Incentive money from the U.S. Treasury Department to the loan. This was all done by XXXX in a malicious effort to disqualify me from consideration of any HAMP modification in the future. When I refused to comply with XXXX 's request to correct its own error in the notarization of the Agreement ( after XXXX 's XXXX-month delay in even booking the modification ), XXXX proceeded with foreclosure process -- while at the same time having reported the HAMP as completed. When XXXX learned that I did not respond to XXXX 's letter, XXXX retaliated by cancelling my completed application -- requesting re-evaluation for foreclosure prevention ( My employment status changed during the XXXX-month delay ). The reason that XXXX gave was because I would not re-sign and re-notarize the Modification Agreement. But for the last-minute assistance provided through Arizona 's HHF fund, my loan would have been foreclosed on XXXX years ago. I believe that XXXX and/or XXXX have improperly, if not illegally, mishandled prior modifications on my loan -- preventing me from having an opportunity to properly be considered eligible for a HAMP modification. I would like the U.S. Treasury Department or other appropriate government agency to make the determination as to whether BofA/FNMA properly complied with the Servicing Agreements or followed appropriate guidelines regarding my prior requests for foreclosure prevention assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts that are NOT mine reporting to Experian. In addition my name is not correct with Experian either. I 've sent documentation proving my identity several times over the past 5 months and Experian is not complying with my demand to remove this erroneous information from my credit profile. This mis-reporting information is causing me much grief and frustration. Clearly I am NOT XXXX XXXX as they are reporting me as. On XXXX XXXX & again on XXXX XXXX I sent letters of dispute with all Identification documentation provided. There are several delinquent student loan accounts reporting falsely in my credit profile. I have confirmed with the Dept of Ed several times and they are in agreement these accounts are not mine. These accounts were deleted from my profile with XXXX and XXXX properly already. Experian is now the last credit bureau not in compliance.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Initially all of my consolidated loans totaled to be approx. XXXX. However, since my loans have been with Navient and the loans have been in deferment and forbearance, my total has increased to over XXXX with the interest. I am now repaying loan on the Income based repayment plan, but I am not able to see how this is decreasing my principle amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: I have had a Macy 's credit card for over 10 years but have not actually used in about 7 years. I have set up automatic bill pay and when checking the account today I found that I have been charged from a company called XXXX XXXX-credit life insurance, $ XXXX- {$6.00} a month for years!! I never gave my consent to add this program and was never notified it was being added! I am attempting to have my money refunded for the years of paying this fee.

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 12-12-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: Capital one auto has been reporting incorrect information on my credit report sense XXXX of 2016 and still until this day it is still reporting repossession and account is closed yet and still I have been paying the car payment every month until this day and I went to by a home and because of what they are reporting costed the lender to reject my loan after it was pre-approved can I sue capital one for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: About a year ago, I paid off a loan f rom Discover. However, it is still showing on my credit report that the account is open with an outstanding balance. I 've called Discover  over the course of the past few months on numerous instances about this issue. They told me that they would correct this issue but they still have n't.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX college sold a XXXX debt to XXXX collection 4 years ago. No have disputed this debt with both parties I did n't get a loan from the college withdraw from class within 24 hrs. I ask for proof cause I do n't know what this XXXX is for never received it. XXXX listed this debt XX/XX/XXXX now they have reagent his debt. As reported XX/XX/XXXX. Please will you investigate this debt I ca n't get anywhere and no one is letting me know why I owe them. I filed with credit bureaus and 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