milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is several years old, but I saw there is action against Navient, so I thought I would share my complaint. I began repayments ( originally to XXXX XXXX and then Navient ) in XXXX after finished XXXX school. My original payment was {$340.00} on approximately {$60000.00} in loans. I always tried to pay extra, as the company was applying the bulk or all of my payment to interest. This ranged from payments of $ XXXX, depending on what I could afford. In XXXX, my payment moved up to {$390.00}. Again, still payments only going to interest for parts of the year. I paid this through XXXX, when I started paying $ XXXX/month ( not my actually payment due, but what I could afford to try to pay off faster ). In XXXX XXXX, I went back to XXXX school. I was working XXXX, so continued my payments ( or intended to ). At this time my " official '' payment was $ XXXX/month, but I had been paying {$500.00}. In XXXX, I received notice that my loans were in deferment. I immediately called the company, informing them I did not request deferment, and was able to continue to pay. I was in school but working XXXX. I spoke with multiple staff and managers, simply asking that my payments be reinstated to the {$400.00} I was paying. They refused, stating that because it went into deferment, my interest had capitalized, and they had to change my payment and repayment schedule. I repeatedly told them I had never requested the deferment and got nowhere. My payment was increased to {$450.00} per month, which I pay today. I did not take on additional loans for my second round of XXXX school. After 17 years of faithfully paying monthly what is now over {$80000.00}, I still owe {$35000.00} on loans that were originally {$60000.00} because of the way payments are applied so heavily to interest. I am XXXX years old with XXXX XXXX. I am the XXXX. If they are able to XXXX me over this way, I 'm sure others are getting it much worse. I will have the loans paid off the year my oldest child goes to college, and will have paid well over XXXX the original principle of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Presently I have my mortgage loan with Ocwen Loan Servicing ( Loan No. XXXX ). For the past few years, I did have the same loan w/ XXXX under Obama 's mortgage program for low Income families, Ocwen purchased my loan from XXXX few years ago and they purchased it under same terms that I had with XXXX . 
Since XXXX of 2015, Ocwen has been harassing me regarding to buy Home Owner Insurance for my unit from them for the amount of {$740.00} per year. Ocwen is fully aware of our Townhomes Insurance policy for the past few years, suddenly they want me to buy insurance from them for interior walls and contents in my unit, and I believe Ocwen 's decision and attempt in this matter is illegal and unreasonable since they bought the loan from XXXX as it was. 
I have had to speak to Ocwen reps a few times and I did mail the Certificate of Liability Insurance to them but Ocwen is still harassing me, with Certified mail and they have not been reasonable.

Company response to consumer: Closed
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I disputed the incorrect and outdated information reported by his credit repository on correspondence they received. The letter was dated XXXX XXXX, 2017. CHAPTER XXXX BANKRUPTCY Ref # XXXX has been withdrawn last XXXX XXXX, 2017 and I clearly informed this credit repository in the said letter. I was able to verify this with court my self. I asked them to obtain the latest public record information from the vendor of this information and NOTHING happened. Their records still show OUTDATED info which violates FCRA.

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 12-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried on several occasions roughly last 5 years to try to get a reduction in my mortgage rate or in one of the Home Affordable Refinance Program. I have even tried to apply for other help mortgage programs with the lender and have been unsuccessful. I have requested my loan paperwork and my loan was transferred to my current mortgage company and I have noticed it was changed from XXXX to XXXX. I have contacted the loan officer and was told she had some issue with her partner who misappropriated some funds and may have tampered with that paperwork. I am also currently own more on my loan than the house is worth. I am looking for any help possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (LA).
Issue: Fraud or scam

Complaint: I am a US citizen and I am currently in XXXX, XXXX XXXX. On XXXX XXXX, 2016, I had my sister to send me {$3500.00} via XXXX XXXX, which she was denied. She was told due to the high scams in XXXX she was not allowed to send me the funds. On XXXX XXXX, 2016, my sister went to Western Union ( WU ) to send me {$1500.00}. 
The money was sent, however, the money was intercepted by someone. She was told someone picked up the money in XXXX, XXXX at XXXX. This is impossible because banks do not open in XXXX until XXXX and these types of transaction are only conducted at banks. Not like in the US customers can go to service stations, retail stores and grocery stores to send money via WU, money gram and other entities. 
My sister filed a complaint, investigation reference number XXXX. WU informed her they will send the information to their agent in XXXX, XXXX XXXX to investigate and it will take 10-20 days to complete the investigation. WU asked her if she wanted the money refunded or resent. My sister informed WU she would speak with me first and get back with them. I instructed her to resend the money. Once she contacted WU and informed them to resend the money, she was told they could not resend the money until the investigation was over. 
My sister attempted to send money via WU to our nephew in XXXX, MO and WU blocked her from sending money within the US. My nephew in XXXX has sent me money on several occasions via WU without any problems. WU also prevented her from sending any more money to me here in XXXX. WU completed its investigation and informed my sister they were NOT refunding the money because " I '' picked up the money. This is an outrageous and outright LIE. 
I did not pick up any funds at XXXX in XXXX , XXXX as WU has alleged. As previously stated banks are not open at that time of morning in XXXX. The questions are who did WU give my money to ; who signed for my money, what identification was used to receive my money and most importantly what bank in XXXX, XXXX released the money? My sister has filed a police report concerning this matter and I have instructed her to contact her representatives of Texas and the FBI. 
WU have crossed the line, I do not appreciate being lied on, I am not a criminal or thief. I am a retired XXXX who has worked for the XXXX for 30 years. If scamming is going on it must be within WU. We have asked WU for all documents from their investigation in which my sister was informed she should receive them in 24 to 48 hours. 
WU has now told her she was misinformed, WU do not release their investigation documents, and she would have to file a subpoena to receive the documents. WU is giving her the run around concerning the address to send the subpoena for the documents. Your attention in this serious matter is greatly appreciated. Since I am currently out of the country I can be reached at my email address. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose prepaid card) with INCOMM HOLDINGS INC. (LA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: On XX/XX/XXXX, I purchased four reloads of XXXX XXXX cards in the amount of {$500.00} each. Unfortunately, the first two reloads brought me to a $ XXXX monthly limit, and so Incomm did not load the remaining {$1000.00} cash into my XXXX account. Though Incomm makes it virtually impossible to reach them on the phone, I finally did, and was given an email address to send documentation. I did so on XX/XX/XXXX. On XX/XX/XXXX, Incomm send me another email, saying that they needed a utility bill. I do not understand why, if needed, that would not have been requested with the rest of the initial documentation, but I responded on XX/XX/XXXX with a copy of my electric bill. I have received no further communication from Incomm. They have stolen {$1000.00} from me and refused to refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with WELLS FARGO & COMPANY (LA).
Issue: Other

Complaint: I was billed a late fee and subsequently charged XXXX the minimum monthly payment for XXXX XXXX billing period. The payment in the amount of {$35.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Dillard 's Credit card, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX as well as XXXX ( Supervisor of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised me that they would remove the late fee but as a XXXX courtesy but the double payment of {$79.00} is still due. I asked for her manager and XXXX refused stating she would not transfer the call further. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office was located in XXXX XXXX XXXX, Iowa. Both XXXX and XXXX were very rude and condescending and basically stated that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am on an IBR plan and I made a payment on XX/XX/XXXX. Around the middle of XXXX I received a credit report from XXXX which I did not order. I reviewed the credit report and found that there was a discrepancy with the payment that I made. I reached out to XXXX and was advised to disregard and that the issue that I was calling in reference to was related to a system glitch. Two weeks later I called Navient to make a payment and was advised by the representative that she could not locate my loans. We went back and forth and she placed me on hold until I asked to speak to a manager. The manager picked up and quickly located my accounts. He could not explain why the representative could not locate my accounts and we proceeded. I told him that I remitted a payment back in XXXX or XX/XX/XXXX and after reviewing he advised that it appeared that the payment was applied to my private loan that was charged off due to me filing bankruptcy in XXXX. He indicated that he would address the misapplication and that I had the contact the credit bureaus to ensure there are n't any issues. I advised him that I will be submitting this to the CFPB and requested an advocate because I do not feel that I should have to take the time to resolve ANOTHER problem that Navient is responsible for creating. The last problem resulted in Navient repurchasing all of my loans that they sold because the representative failed to include them with the loan consolidation. Navient misapplied my IBR payment to a charged off loan and reported to the credit buearu ( s ) that I remitted payment to a charged off loan which in turn caused collection activity to occur, my credit score to be impacted and impact the status of the charged off loan to show current activity. Additionally, I received a credit report that I did not order and I do n't have any idea why which is what alarmed me and caused me to contact XXXX. I would like all of this resolved as quickly as possible as I spent almost a year of constant contact with Navient to attempt to find a solution for the loans that were sold in error and repurchased by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Rented a car from   XXXX   XXXX   XXXX   using my MasterCard to initiated my car rental using my Capital  One   MasterCard endi ng in  XXXX . I had a accident in the rental car, I decline insurance from the car rental company initially, because I believed based on what my credit card company informed me that I was covered. The claim was made to  master Card a round early part of  XXXX   2017, after I h ad gotten into a car acciden t,   XXXX   XXXX   resp onded by issuing me a claim number #  XXXX ,  XXXX  Also ask for the following documents : Car rental agreement, credit card statement and miscellaneous documents ;  Cardholder respon ded with items he had received from Capital One,  XXXX   XXXX   XXXX .   XXXX  res ponded via email with what appeared to be benefits agreement, I 've never known this agreement existed. I looked over my document after sending the first set of Documents in and discovered the billing on  XXXX   XXXX   XXXX  was not final, it state pending Charges I contact   XXXX   on  XXXX   XXXX ,  2017 for c orrect updated billing which reflects payment for the car rental ; from my  MasterCard  ending in  XXXX .  XXXX  send me a decline of my claim on  XXXX   XXXX ,    2017 st ating I did not follow the agreements set by there insurance carrier ; please contact  XXXX  regarding there dodging there clear responsibility to co ver. ( Cardholder Sincerely   XXXX   XXXX   )

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent the collection agency a complaint letter  XXXX    XXXX ,2017  is the day the credit reporting agency received the letter to investigate a collection account on my credit report named  XXXX   XXXX   XXXX   XXXX  that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Consumer Loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Problems when you are unable to pay

Complaint: When I 'm not able to make a payment on time I get continuous phone call starting at XXXX XXXX at night if that 's not happening I get letters put in my door I have a stack of letters also I can make an arrangement with them and they will still call or come and put letters in my door it went as far as them calling my daughter and I did n't have her down as a contact she tried to apply for a loan I have been threatened by the workers I work a XXXX shift and they are closed when I get off I 'll try to get money orders and pay I 'm a single parent I surely do n't need XXXX stress on me I 'm tired of it please help I 'm doing my best

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Debt collection (I do not know) with Pressler & Pressler, LLP (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This Pressler and Pressler Law Firm who is a debt collector, sued me without properly notifying me of the lawsuit, sued me where I did not live, attempted to/Collected exempt funds that were not mine and seized or attempted to seize property. 

In XX/XX/XXXX, without my knowledge or any sort of notice to me, they filed a lawsuit against me in XXXX for failure to pay a debt. They did not serve me and I never knew of the lawsuit, and as a result a default judgment was entered. I had moved out of XXXX in XX/XX/XXXX and now live in XXXX. I had no knowledge of this judgement and it did n't even appear on my credit report. They had the judgment for 6 years and never made any attempt to contact me. Then 6 years later, last Friday, they seized money from my bank account, a joint account that is held with my wife. 

We had no idea why someone was placing a legal hold on our account and had to contact the bank. I was given a number to contact Presseler and Pressler to find out more information. I called this company and they refused to give me any information except that it was XXXX, it is a debt from XX/XX/XXXX, they filed a case in XX/XX/XXXX, now have a default judgement and can take the money. I still do n't know what this debt is and why they think that I owe it. I do n't even know what type of debt it is, the company they say I owe the debt to, XXXX, I never had an account with. This may be a case of identity theft, but the person told me on the phone " they have the money now so they are not going to do anything else or provide me any other information ''. I do not even have any paperwork to upload or provide you because I was never given any. Its like someone came and stole money out of the bank account. 

The money they took was not even mine, it was my wife 's in our joint account. If, like they say, the debt originated in XX/XX/XXXX, this was before I was married and she is not liable for that debt. They also took personal property that was exempt from taking under XXXX Law, because the money that was mine in that account was much less than XXXX. They also came into and took money from a XXXX account with a XXXX judgment. 

I am currently in the process of filing a Motion to Vacate the Default Judgment, and also plan to oppose the Motion to Turn Over Funds. 

I did some research because I am still clueless as to what this debt is and found out that the CFPB last year fined this same Law Firm, Pressler and Pressler, and this same Company, XXXX, for the exact same practices they are still pursuing and using to harm me. I think that I may be a victim of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX, I requested a free quote from XXXX for a personal loan. I provided my information. I was notified by TransUnion that XXXX had requested my credit report without my knowledge. I called into XXXX Customer Service and informed them to disregard my pending application and to remove the inquiry on my credit report since I did not approve this request. I was informed a soft check would be done before I accepted any offer, then a hard check would be done. I received a letter from XXXX calling me XXXX XXXX and that I accepted a hard check and submitted an application. I am not XXXX XXXX. XXXX has incorrectly pulled my credit file with another name from the information they received. Remove this inquiry from my credit report since I did not authorize this hard check. XXXX has failed to correct this error. This is a violation under the Fair Credit Reporting 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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Noticed account listed on credit file with multiple errors : late payment history, missing data, incorrect balance and unrecognized interest and fees. Disputed account with credit bureau to obtain validation of data being reported. They have knowingly reporte inaccurate, unverified data without proper debt validation. I requested that XXXX XXXX provide validation under FCRA sec 609 but after 60 days I have yet to receive proof and this is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation