milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After entering the XXXX I was provided the benefit of the military student loan repayment program. The loan repayments would be spread across three years and the payments would only go to the principal of the loans. The first two payments in XX/XX/XXXX and XX/XX/XXXX were applied correctly. The final payment in XX/XX/XXXX was wrongly applied to both the principal and interest of the loans. After a year of arguing my issue I encountered an individual at Navient that worked to correct the wrongly applied payment. They correctly applied the third repayment amount all to principal, however, when they went back to reverse the wrong payment they reversed it all from principal instead of reversing the amounts from principal and interest, essentially taking us back to square one. I have called endlessly to have this issue corrected only to be told by Navient employees that it all looks right and it was applied properly. It was n't until early this year, XX/XX/XXXX, that I found a member of their military benefits department that was willing to take the time and listen to me. She said she could clearly see that something was wrong but that it was complicated and she would need to forward it to another department to look at the issue further. That all began to take place in XX/XX/XXXX. Three months later and I am still being told that it 's been forwarded to another department and another department but with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo sent me a letter stating that I have an outstanding water board bill and that if I do n't pay it, they will pay it from my escrow account and then adjust my monthly payment. Problem is I do n't have an outstanding water board account. No one could tell me what a water board account was and I was told it was different from my water bill. When I inquired as to where they got this information, no one was able to give me a straight answer and they gave me the run around. I do n't know what to do.

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 03/13/2017 about Consumer Loan (Title loan) with TMX Finance LLC (TX).
Issue: Can't contact lender

Complaint: I defaulted on my title max title loan and I have actively been seeking to correct it by contacting title max before repossession of my car occurs. I mailed a money order for my payment and it was returned to me. I ca n't renew the registration or sell the car and now it 's since deteriorated sitting unused and the value has depreciated significantly. 

I 've made several calls to take possession of the title to management with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended XXXX University. I after my financial aid, i took out private loans to cover the remaining balance. The current loan amount is no where near the amount had taken out originally. Coming out of high school, the ramification of private loan and interest rates was never explained to me. The lowest interest rate at the time offered was Wells Fargo, so chose Wells Fargo as my lender. I was never given an example at any time what my expected repayment amount would be. I took out XXXX loans and all were treated separately. currently i am expected to repay {$950.00} dollars a month. this is almost XXXX percent of my monthly income. Wells Fargo acknowledged this is more than i can afford. Wells Fargo refused with work with me, even though i try my best to ensure my account is current. Their reason is, i have a co-signer. I explained that my co-signer helps with other aspects of my like financially to ensure i can stay current on my student loans. All i asked for was work with my on some type of repayment package, instead of paying XXXX % of my monthly income to just wells fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My husband passed away and we had a mortgage with Nationstar. I know that I am on the security instrument and the deed of trust but will not let me have a right to speak on the property. However Nationstar offered a loan modification in which I have been performing on month after month ( over 4 months ). No funds have been sent back from Nationstar and I have sent documents to assume the loan. I even asked Nationstar in writing can I assume the mortgage and still not response. However, even after they call daily, have emailed my point of contact XXXX XXXX I can not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I'm on social security and direct deposit and explained what your site say 's about about debt collectors and social security and I explained this to them every time and they keep calling. Two weeks ago they called after XXXX XXXX. And usually they call 2-3 times a week but my phone blocks unknown numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I continue to call to see if my balance is paid. I get paid every week and the amount that shows is more than what is owed. I am getting over garnished and the debt collector is not communicating with my employer. Currently I am in the XXXX, the judgment was for XXXX and some change. Their response is that they have n't gotten the payment, but every time I call its a different answer. The last time I called they said the last payment they received was for {$40.00}, but that was taken out of my check XXXX weeks ago. I just want proper communication between the creditor and my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My previous dispute on XX/XX/XXXX stated : As per the creditor ( XXXX ) and the credit reporting agency ( Equifax ), I 've waited XXXX days for my XXXX bank account information to update and report. As of today 's date this information is still not appearing on my credit report. 
Equifax responded on XX/XX/XXXX : Equifax has reviewed the complaint and its records. The disputed XXXX account is currently not reporting on the Equifax credit file. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/XXXX. 
Relief The disputed XXXX account is currently not reporting on the Equifax credit file. 

Thank you for looking into this matter but there is a secondary action and relief I 'm still waiting for you to initiate. Please reinsert the account which was previously deleted. Attached you will find the credit report sent by you on XX/XX/XXXX showing the account actively reporting. Please re-investigate this matter as I would like you to add the XXXX account back on to my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree and now Ditech both have failed to properly apply extra monies from my monthly payments to principal. After numerous complaints to them to correct the issue I still do not have my account updated and corrected. 
- Writing how to apply funds on check and statement and mailing it. 
- Calling and having them to document it. 
- Using their website ( auto pay ) they took more than authorized twice. 
After going them the required 30 days to look into the matter, they sent me a payoff quote that was no different than what I could pull off their web-site. There was no adjustment and no comments on looking into the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, 2015 I contacted my local office of Springleaf Financial Services to inquire about making a loan. I allowed them to look at my credit report. They asked for a pay-stub and more information to submit a complete application. I did not provide it because I did not want to get a loan from them. On XXXX XXXX, 2015 I received a letter from Springleaf informing me that my request for a loan had been declined and this decline was reported to XXXX credit reporting services. I did not ask for the loan, nor was I provided details in writing, nor did I request approval for a loan. I believe this was done unfairly and was done as retribution because of my lack of interest in their services. I want this decline retracted and not reported.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I would Like to File a complaint on behave of Experian. I was reviewing my Experian credit report and came across the length of credit History you are reporting 4 Years of credit History How could that be Possible? You are reporting a XXXX account XX/XX/XXXX on my report and a kohl card was open in XX/XX/XXXX and I do n't believe they are reflecting on my score so could you look into that

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 08-03-2016 about Debt collection (I do not know) with Stillman Law Office (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of XXXX XXXX XXXX filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan. 

The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by Stillman, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. Stillman Law acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that Stillman entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called Stillman law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. Stillman in fact was overpaid and collected monies from my Michigan state income tax and my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I started my private student loan with XXXX bank and then I get a letter stating they are selling my loan to AES. I never signed any paper work with AES and now they want to raise my interest. I had to go through extensive work to obtain a loan with XXXX and now it can easily be passed over to AES? I need to have documentation stating that I 'm OK with that and need to have my signature on AES paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Medical debt) with Collection Consultants of California (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a verification of debt to the company in XXXX XXXX and the company never verified it and has been attempting to still collect the debt and is incorrectly reporting it to the all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Credit card debt) with Peroutka, Miller, Klima & Peters, P.A. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a credit card with XXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX   hired a law firm of Peroutka , Miller , Klima & Peters , P.A . to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm disabled and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!

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 04/18/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a Citibank Best Buy no annual fee store card. I was denied the card due to " Insufficient Credit Experience '' but they still offered me a different card with a {$59.00} fee. My credit is impeccable with a XXXX Fico score on my Citibank web site and I have over 40 years of excellent credit history and I hold most major credit cards including a Citibank card with a {$19000.00} limit, XXXX, XXXX XXXX also. This seems to me to be a case of bait and switch trying to upsell me to a card with a fee. The free card had a offer for a 10 % discount on my first major Best Buy purchase. I made such a purchase for a total of {$3300.00}.

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 11/20/2017 about Debt collection (Other debt) with Reliant Capital Solutions, LLC (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received two calls from Reliant Capital Solutions - I called today XX/XX/17 to see what this issue was about. My name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX. When I called the " gentleman '' back at XXXX XXXX he told me it was an old debit from XXXX University . Told him I believe the amount they have is incorrect and as soon as he submits a debit letter to me I will review it and get back to him in writing on how to resolve this problem. He immediately started with tactics about where I work and threatened my assets - For the record I was not stating I did not or was not will to workout something for this debit, but he was right away threatening and she started to use tactics that I know are illegal. I did tell him I only wanted to contact him my written communication. I thanked him for his time and hung up. I do not like being bullied, especially since I took the time to try and resolve this in a peaceful manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts are not my accounts they are FRAUDULENT Im not the XXXX XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX ACCT, XXXX XXXX XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX   XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/XXXX {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.

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 11-01-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Payoff process

Complaint: on XX/XX/2016 XXXX paid off my balance to CHASE credit card. of $ XXXX.they, chase rep. confirm the payment and I owe no money to them.i keep getting bills from chase chase .keep insisting that I pay $ XXXX.my account remains open dispite the fact I told them to close it in XX/XX/XXXX ..their interest rate is too high../credit card number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I received a check for {$5000.00} and tried to deposit it into my Chase checking account via the Chase Banking app, and it erroneously told me that it was a duplicate check. I have received checks every month for the same amount, but different checks with different numbers! After calling several times, I had been given info that perhaps the system was down, or that I was above the daily limit, which the one person said was changed to {$2000.00}, although I have never been informed of that. In fact, the app says my daily limit is {$5000.00} right when I want to deposit. I finally was told to send it by mail ( from XXXX ) and I sent it by expedited mail, and it still is not credited to my account, almost 2 weeks later. I think they should have a way to tell that the check was not a duplicate, and I would like to know if they are holding on to my check. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I was working with Quicken Loans for the loan I was trying to obtain. They approved it and ask me to get an appraisal on the house. After this was done Quicken denied the loan. I asked about a refunds on the appraisal and they denied it. According to them it was a service provide that is non-refundable. I was not told this upfront only after everything was done. Now I want to used another lender and they mentioned I might have to to another appraisal done. I am very displeased because this is money coming out my pocket and its not cheap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2017 about Debt collection (I do not know) with Rent Recover, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not break no lease this is was closed in court by XXXX which is preserve in XXXX illinois. New management XXXX

Company response to consumer: Untimely response
Consumer complaint received 11/28/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: This account was closed on XXXX/XXXX/08 want to be removed from my credit it 's already more than 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hillcrest Davidson & Associate brought an debt and change the original delinquency date of the account from the original lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX, I submitted a complaint related to a XXXX 's XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX 's was nonresponsive. The CFPB contacted them and XXXX 's settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief