milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Navient is reporting that i made payments to them when i did n't. They are also saying that i was late on a payment that was recently made. Which i never made a payment. They restarted the clock on my account, so now the SOL has restarted. I am also in school and all of my school loans are in deferment. This loan should still be in deferment until XXXX 2017. They keep raising the interest on the loan which is making it 10 times harder to pay it off. They did not notify me that they were putting that i made any payments and they are harassing me every day calling me about loans that i owe, that should be in deferment. If you were to look at my other school loans, they are on deferment. i want them off my credit report because they are reporting false information and i am trying to rebuild my credit and this is not right to report that I 've made any payments just so they can restart the clock on my account and i now have to wait another 7 years. i never made a payment because my loans are supposed to be in deferment just like my other school loans. The loan is three times the amount of the loan that it as originally.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX/XXXX/2015, a collection company named XXXX XXXX called my landlord trying to locate me concerning a debt claim. The debt in question is from an old Kay Jewelers account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently XXXX was unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My father ( recently deceased ) had co-signed for private law loans and had been repaying them. Navient apparently bought the loans from XXXX XXXX. I contacted Navient and let them know I could not make the payment my dad was making but that I wanted to pay and not go in default. I said I could provide them with paperwork showing my recent bankruptcy, my snap aid for food, my pay stubs, evidence of my single parenthood, evidence of my federal aid being in economic hardship forbarence and anything else they might need to determine my eligibility for lower payments. They were of no help. They would not offer even gradually increasing payments over time. It seems like they just want me to default!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (TX).
Issue: Application, originator, mortgage broker

Complaint: Back in XXXX 2016 I was contacted by a loan officer from The Money Source stating " I qualify for refinancing at a interest rate of 3.375 % from 3.875 % with no closing cost for being a good customer ". I was interested and ready to refinance. The process took months. I did not hear from the loan officer for weeks. I would call but no response. Finally I received paper work by email to refinance but it stated the interest rate was 3.875 %. I called the loan officer and told him the information was incorrect. Fast forward almost two weeks later from that interaction, I get the corrected paper work, oh and by the way it 's the end of XXXX. I signed all of the paper by email and sent them back. I waited no word from the loan officer for weeks. I called for updates, he said he will let me know. According to him, they were short staffed. During this whole time I was paying off other bills because I wanted to get a fresh start for the new year. So, I get a call from the loan officer stating that I needed {$3400.00} for closing and two bank statements to show that these funds have been in my a account. I told him that when the refinance was offered to me there was no closing cost he stated oh that 's just from a template. I was upset but I wanted the lower rate. I looked at my bank statements and see that the closing funds are not over the closing cost which he stated was required. I called and spoke with a manager because I felt the loan officer was n't providing good customer service and keeping me informed. He stated I had till end of XXXX to get another statement showing the funds in my account and everything would be ok. I received a call XXXX XXXX to inform me that I was denied for the refinancing. Loan officer stated all information needed to be turned in by XXXX XXXX. After waiting over three months and never being informed of these requirements in the first place makes me feel delude.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Payday loan, title loan, or personal loan (Payday loan) with WLCC (IL).
Issue: Struggling to pay your loan

Complaint: I asked this creditor to stop harassing me at work and at home, they are calling my work and my cellphone Im having hardship and I cant afford to make regular payments at this time. I asked to leave me alone and let me figure out how to repay loan.

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 AMERICAN EXPRESS COMPANY (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: THIS IS AN EXTENSION OF CFPB COMPLAINT  XXXX   American Express is   working on getting the money  XXXX  from my bank. I have authorized release of the funds. on  XXXX  -17 the y deposited the funds in my bank and I authorized release the day I found that they had done this. After several calls the finally understood the money was theirs. They say the do n't know how to get it back. I have told them and they have done nothing.  XXXX  is the person working on the previous complaint mentioned above. He called  XXXX  -17 a nd said he understood the problem and had reached out to banking to recover the money. He said he was told it was easy and it would be done soon.  XXXX  -17 AMERICAN EXPRESS C LOSED MY ACCOUNT after talking with  XXXX . They show the money that they ca n't seem to recover as money I owe them and have sent reports to the credit reporting services stating I am over my {$10000.00} credit limit because they have not ( as a bank ) tried to get the money from my account and are holding me responsible for them not doing their jobs. I have called them and explained the process to recover the money and they want me to write a check on their money and show ownership of the money. My bank has reported the deposit of amex money in my account to the IRS as required. I ca n't get them to take it back and it looks like it is my money and they have closed my credit account because they will not do their job.   This is not part of the original complaint and can not be addressed without another complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2017 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: Problem with personal statement of dispute

Complaint: XXXX is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with XXXX. This account number is the only account number that XXXX has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XXXX/XXXX/XXXX through XX/XX/XXXX on the XXXX of each month. XXXX is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. XXXX responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the XXXX website that shows the allocation of payments and the single account number issued by 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 non-monetary relief
Consumer complaint received 06/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: Upon opening a Citigold checking account with Citibank, I signed up for & confirmed enrollment in a XXXX XXXX XXXX promotion. The promotion would take up to 60 days to complete, and then another 90 days, maximum, to distribute the miles ( 150 days for both portions ). I signed up for the account on XXXX XXXX, 2016, so it has now been 174 days since I signed up for it. Now Citibank is saying it could be up to another 60 days to distribute the promotion, or may not even issue the promotion at all to me by retroactively deciding that I was not eligible, despite having previously confirmed my enrollment.

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 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
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 bought a XXXX computer for {$470.00} on XXXX/XXXX/XXXX - I received the product on XXXX/XXXX/XXXX, and returned the product 1 day later, that is XXXX. XXXX confirmed the receipt of my return on XXXX. 

- XXXX did not process my refund until XXXX/XXXX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my work and cell phone repeatedly and then called my daughters phone # and harassed her about giving them my phone number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Medical debt) with Senex Services Corp. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX is the original debtor, Senex services is the collection agency. I only visited this hospital once and I was insured at The time of the visit, so I do n't owe them {$110.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I found 2 Hard Enquires in my credit report Esperian made by a company named XXXX onXX/XX/XXXXlocated at XXXX XXXX XXXX XXXX XXXX Az  XXXX phone XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXXlocated at XXXX XXXX XXXX XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.

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 01/17/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: We tried to purchase a stove on our Lowe 's credit card. Lowe 's called to say the item was not in stock and they would not be charging our credit card. We tried to purchase a second stove and the same thing happened. When we tried a third time we were declined because the XXXX previous stoves had been put on our credit card. We tried contacting the company and the gentleman we spoke with could not understand that our credit was being utilized by a total of XXXX stoves we were unable to purchase and were told we would not be charged for. We tried for over an hour to cancel the stoves to free up our credit. After not getting anywhere we hung up. About five days after trying to clear our credit card we received a letter stating we had asked to close our Lowe 's credit card account. We had NOT asked to close the account. We called Lowe 's to find out why the account was closed They stated we closed it We asked for the recording of us agreeing to close our account. They said the person who has the recording was on vacation. We have called back and have not received a response from Lowe 's.

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 01/20/2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX was sold an account from XXXX XXXX and has been reporting Account number XXXX with a amount due of {$3400.00} on my credit report. In XX/XX/XXXX and XX/XX/XXXX, I sent XXXX XXXX numerous debt validation letters via certified mail and they have not followed the FDCPA and provide me with the following : Validation of Debt Request, Proof of you right to/collect this alleged debt, balance claimed including all fees, interest and penalties, contract being my personal signature, license proof to collect debts in my state. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX and they removed them from my credit report, however, within days XXXX XXXX was added back to my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter, on behalf of XXXX XXXX, trying to collect the debt of {$3400.00}. In the letter it states " because of the of the age of your debt, XXXX XXXX will not sue you for it. '' I sent debt validation letters via certified mail to XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. However, they have not followed the FDCPA and provide me with the aforementioned documentation. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX XXXX XXXX and they removed XXXX Funding from my credit report, however, within days XXXX XXXX was added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Billing disputes

Complaint: I paid an advance payment of {$500.00}. just to pay down my balance, then noticed that it said pmtonhold. I called them and they said they do this to protect themselves from my bank rescinding the payment. They hold the payment for 7 days. I said this had not been done ever, and was not acceptable. I paid it down so I would have credit available for other things. They said this might be done for 3 to 6 months before it would be off my record. This started when I inadvertently paid {$1000.00} pmt twice by accident, but my bank caught it. Said they would recall it from Barclay. I had accidentally paid it on XX/XX/XXXX & XX/XX/XXXX. I 've talked to everyone, but they say once it goes into their system, it ca n't be reversed & they ca n't tell me how long it will remain on my account. I pay a payment 2 or 3 or 4 times monthly so that I keep my balance down and have more credit to use. I want my points. 
This is NOT SATISFACTORY to me. I am human and made an honest mistake. 
They say they ca n't rely on my bank not to recall another pmt. so they are protecting themselves. I ca n't send them {$1000.00} so they will hold it 7 days before I can use it. I told them I thought this was illegal. 
Please help me get this hold removed off my account Thank you/ XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I found out that my credit score is low because of an incorrect reporting. My report shows foreclosure when there was none.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Over the course of my loan I have been offered forbearance many times, and pseudo forced into it in others by Navient. My overall loan amount has not risen ; but, the total amount has not changed since 2008 because the the interest. There has even been a time recently where I attempted to lower my student loan payment and as I discussed the possibility with a customer service agent, they explained that even though they could lower my payment, the payment amount would rise at a later date. And that amount would actually be higher than the original amount I was trying to lower. After hearing that, I decided not to lower the amount and relayed that to the customer service agent. Ultimately, they proceeded with the agreement without me agreeing. So at some point in the near future my payment will rise. Which will be the perfect opportunity to offer another forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (I do not know) with United Collection Bureau, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have received 10-15 robo calls from XXXX at all hours of the day. They leave a recorded message stating to call United Collections Bureau at XXXX regarding a debt. I do not owe any money to any entity -- and know this because I check my credit reports regularly and my credit score is outstanding. I believe this is a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Vehicle loan or lease (Loan) with MERCEDES BENZ FINANCIAL SERVICES (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: XXXX XXXX, XXXX through their subsidiaries leased me personally for 4 years and than sold me the same vehicle with defective drivers side air bag knowingly prior to sale which is against the law since the air bag is an essential part of the vehicle that may cause XXXX ( at that time air bag of that type already caused XXXX  of approximately 10 people ). I purchased the vehicle from Mercedes-Benz of XXXX XXXX, XXXX Virginia on XXXX XXXX, XXXX I found out about the defect on around XXXX XXXX, XXXX from Mercedes-Benz of XXXX that refused to service my vehicle and demanded to leave their lot immediately since they did not want to be liable for possible death of their customer or employees due to defective airbag. I tried to Contact Mercedes-Benz Financial that I had a contract with, Mercedes-Benz XXXX XXXX XXXX and Mercedes-Benz of XXXX. Every time XXXX more than 20 attempts totally ) I was refused any service of the defect or return of the vehicle. I asked all of those entities to take my request seriously since driving the vehicle in given conditions is like sitting in front of the loaded firearm pointed at my head. Nevertheless, not a single individual in Mercedes-Benz company took my request about repair seriously. Instead They posted {$47000.00} loss on my credit report since I refused to pay for the vehicle that I could not drive. Finally on XXXX XXXX, XXXX the attorney of Mercedes-Benz agreed to accept the vehicle back. I took it back to Mercedes-Benz of XXXX XXXX where general manager XXXX XXXX refused to issue me any kind of paperwork stating that I actually returned the vehicle that would serve as a proof of relinquishing ownership of the vehicle. The whole experience with XXXX XXXX caused me an enormous amount of emotional distress and damage. Also, caused me more than {$100000.00} in financial damages. 
I would estimate my total emotional, financial and damages in respect to punitive aspects of the nature of this conflict to {>= $1,000,000}. 
I expect XXXX XXXX be held responsible. 
XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX XXXX XXXX for a XXXX Collections for XXXX XXXX XXXX on XXXX XXXX and they sent me a letter of confirmation however they are still reporting that I owe this money on my credit report. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Partial Account # XXXX ... 
Address Identification # XXXX Original Creditor XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief