milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Hello my name is XXXX XXXX. I was behind on my student loan payments, because of medical issues with my daughter and myself. I called Navient to see what my options are to help me get back to an even balance. I entered into an agreement with Navient to be put on to an automatic withdraw to get me caught up. A number of months later my parents made a large payment to Navient, because of the XXXX of my grandparents and the inheritance they received, to bring my balance " current '' or back to XXXX. I continued to still make my monthly payments in accordance with the agreement as my monthly payment. For months my amount due has been XXXX, but i still have had my bank account withdrawn for the same amount. I called customer service to dispute the latest payment that was automatically withdrawn, and to see if I could get a refund. " This is not an option, because i entered into an agreement '' the customer service XXXX told me. The only option was to withdraw from the agreement for future payments. Needless to say I was upset. I know that I entered into an agreement with Navient, but the agreement was unclear at best. The agreement didnt end when my balance was current it was for an amount of time. I believe this is unfair to me, not because of the agreement, but because of the lack of information available to me about this agreement When calling customer services the automated message as well as the representatives continuously say you can visit XXXX for more information. This is untrue. After being on the website for hours, I was unable to find any information regarding my agreement, that I was on an automatic payment ( even though I had the option to enroll in automatic payment for the same loan ), There isnt even access to a future payment schedule outlining payments that are due and the amount. The only information on the website was my past payments and my current amount due, along with repayment options, and limited account summery. I believe I have been misled into this agreement. I would have taken the option to withdraw from this agreement months ago if I had any information made easily available to me regarding my agreement, payment plan, upcoming scheduled payments, but I couldnt find any of this information. I believe Navient is being intentionally vague, misleading, and making it extremely difficult to find important information. Navient does not care about their customers. I believe Navient is the biggest deterrent to the pursuit of higher education. This is even having me consider not sending my XXXX and XXXX XXXX XXXX daughters to collage unless they have a job that provides tuition reimbursement, because what little I am able to save for their collage, will not be enough. Im not writing this just for myself but for the countless others that could be struggling with the same problems I am. 
Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with NETSPEND CORPORATION (OH).
Issue: Using a debit or ATM card

Complaint: I have had an account with NetSpend Debit for three years. On XXXX XXXX, 2016 filed a dispute for an inaccurate purchase that took place on XXXX XXXX, 2016. Because I did not receive the product from the vendor. After 15 days plus, I was told that I was not going to receive credit for the amount disputed because the transaction was over 120 days. I requested to have a copy of the Statutes of dispute filing limitations of which I was refused. I received a call on XXXX XXXX 2016 from the NetSpend corporate office and was told that I was not going to receive credit or further investigation based on their policy of " Safe Harbor Law ''. My issue is that their is nothing in any of the marketing literature, documents that I signed in entering the agreement etc. I am demanding to have in document form the policy that states the statutes of filing disputes over 120 days based or due to the " safe harbor rule ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I have notice some charges to my checking account. I made a merchant charge to my account of say {$6.00} at XXXX XXXX, the suddenly, a charge of actually {$1.00} or {$2.00} is made to my account from XXXX XXXX. I recently made a charge to my account from XXXX for a warranty for {$59.00}, the XXXX at the Chase Bank, here in XXXX XXXX, pointed out to me on the bank 's computer of another additional charges of {$1.00} and {$2.00} and {$28.00} from XXXX. Since obtaining, the new chip card, I have notice these type of charges that apparently are being made. I suspected from quite some time of virtual charges to my account for a number of years, Because some how, I made a purchase and the debit and credit did n't add up and complained to the Bank, to no avail. With the new chip in place, that charge is showing up and is deducting that amount from my account., but when I try to retrieve the information from the Bank , account online website, it has disappeared. I saw this on the XXXX warranty and XXXX and Chase Official statement was that there is no charge. It appears on my account, and now my account is overdrawn, but by my calculations, I should have about {$60.00} in my account, but the additional charges that appears have taken a toll on my account. Someone is hacking into my accounts and is taking funds. It appears, that Chase is aware of this because they are responsible if this is happening. They will not investigate or find out how this happening. I suggest, that CFPB investigate some of the banks, You can start with my account. I strongly believe, that it maybe happening to the XXXX accounts because it is easily to hack, they have the same amount each month and no one is looking at this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing fraud activity on my report and I am having a hard time getting them removed. I have sent in all information needed as far as a police report and all my proof of identity. I have paid off all of my debt and should not have anything negative reporting at all due a home loan to pay off everything in 2013.

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 12/19/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Fair Collections and Outsourcing has reported a collection on my credit report for {$1800.00}. I requested validation of this debt to which they sent me a copy of the lease agreement from XXXX XXXX XXXX XXXX XXXX which clearly shows that it was NOT MY SIGNATURE AND THERE WERE NO PAYMENTS FROM ME NEITHER IT DID LIST MY SS #. I disputed this account as fraudulent, sent them copy of my id with my name and actual signature to both XXXX and Fair collections. Their response was " it is accurate and we are not obligated to validate or respond to you '' ... see attached proof this is illegal collection now they are calling me at home, work and my parents threatening to take me to court. this needs to be stopped!

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 05/18/2016 about Payday loan () with Bliksum, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: these lender do n't care becuase all my payment just pay interest and dose not pay toward the princlbe

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Debt collection (Medical) with Franklin Collection Service, Inc. (SD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XX/XX/2011, I developed a XXXX and found myself in numerous XXXX. In every case, I asked if I would be held responsible any costs of treatment. I was told that I would not be liable for medical services, the main importance was that I receive the proper medical care for my XXXX XXXX. I just discovered that those hospital visits have been deferred to eleven collections agencies. My credit score is now terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC requested proof of insurance in XXXX XXXX and it was Faxed to them. It was also verified that they received it. They made another request saying they did not have it in XXXX XXXX. It was again Faxed on the XXXX of XXXX XXXX and the confirmation faxed number is XXXX and XXXX at Ocwen Loan Servicing verified that they had received it. Then on XXXX XXXX, XXXX received another letter saying I needed to send proof. I then contacted the XXXX XXXX XXXX XXXX and they sent verification to Ocwen Loan Servicing on XXXX XXXX. Inspite of all these verifications Ocwen Loan Servicing put additional insurance on my condominium and charged me and additional {$180.00} dollars a month since XXXX XXXX. Their policy cost {$670.00} dollars which I have paid and they are still collecting {$180.00} dolllars monthy above the mortgage payment. I was advised by my attorney to contact you

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm writing to report illegal interest charges on my mortgage account with Freedom Mortgage. I refinanced with Freedom Mortgage, and my closing date was XXXX/XXXX/2016. On XXXX/XXXX/2016, I sent in payments totaling {$6300.00} to cover my statements due for XXXX 2016, XXXX 2016, and XXXX 2016. In addition to sending in these advanced payments, I e-mailed the company to ensure they knew that my payments were meant to be put towards future months, and that as a result, I should not be charged interest for the months of XXXX and XXXX because I 've paid for those months in advance. However, for the past three weeks, I 've been calling Freedom Mortgage because they 've applied my payments incorrectly and have charged me an additional {$1700.00} in interest for the months of XXXX and XXXX, which have not even arrived yet. At the time of my payment on XXXX/XXXX/2016, I had n't even reached the XXXX/XXXX/2016 due date for the XXXX payment. When I called in to speak to several supervisors ( XXXX, XXXX, XXXX, XXXX, and XXXX ), they each have told me that even though I 've paid for XXXX and XXXX well in advance of those months accruing, they are charging me interest regardless. There have been exactly XXXX days between my XXXX payment and my XXXX and XXXX payments, which means that I have accrued exactly {$0.00} in interest for those months based on the terms of my loan, however, it is nearly a month since I 've been going back and forth with this company to have this corrected. XXXX even told me that I was not allowed to send in more than 3 months of payments in advance towards my account. I would like to file a formal complaint with the State of New Jersey and all appropriate government agencies related to this problem. Please contact me as soon as possible to help me resolve this problem.

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 11/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Diversified Consultants Inc is the third debt collector that has tarnished my credit over the same account that has been closed for years. If there was ever debt associated with the account it would be dormant by now. Diversified Consultants Inc have reported incorrect and misleading information on my credit report and have threatened to sue for judgement of debt they have provided no detailed information on. They have altered the date in which the account was reported as open/closed falsely representing account data on a dormant/closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent validation letters to Transunion to validate 12 accounts on my credit report the week of XX/XX/XXXX and I received any validation from the collection agencies or Transunion. According the the FCRA the time frame is 30 days and I still have n't receive any validation but my transunion report was updated the week of XX/XX/XXXX as Meet FCRA Requirements and Placed for collections. The 12 accounts were XXXX ( Listed 5 timess ), XXXX, XXXX ( listed twice ), XXXX XXXX, XXXX XXXX ( Listed 3 times ). I do n't have the account numbers because the debt was never validated to me.

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 12/30/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I write this letter with the hope that someone in your agency may be helpful to assist me/us in the resolution of a longstanding issue we 've been experiencing while in the process of negotiating a short sale on behalf of Mr. Realtor 's client : Homeowner Mr . Homeowner is a diplomat with the XXXX government. XX/XX/XXXX Mr . Homeowner was forced to relocate his family to XXXX on assignment to fulfill his Consulate duties. Since the above mentioned property 's value was considerably less than the current market he hired Mr. Realtor XX/XX/XXXX to proceed with a short sale. A complete short sale package was submitted to the 1st lienholder ( SPS ) XX/XX/XXXX. 
Mr. Realtor proceeded with marketing the property for sale via the local *REALTOR 's Multiple Listing Service ( MLS ). 
During the period between : XX/XX/XXXX - XX/XX/XXXX Mr. Realtor procured three separate buyers through his marketing efforts. Each buyer canceled as a result of an inordinate amount of time waiting for this transaction to be granted an approval by the 1st lienholder ( SPS ). The reasons for the delays were varied - from the net proceeds being insufficient, documents required to be updated to Broker Price Opinions ( BPOs ) expiring due to the lengthy process. Finally, after procuring the third buyer an approval was granted - XX/XX/XXXX. By this time the buyer in question was forced to cancel because he could n't afford to wait any longer as his living conditions were temporary and he needed to renew a lease. The property was subsequently returned to the MLS and another buyer was procured as a result. 
By this time since the seller 's net proceed was known in accordance with the approval granted with the previous buyer - Mr. Realtor saw no reason why a subsequent approval would n't be expedited as identical terms were negotiated to protect the net proceed amount required by the lienholder ( s ). 
Until today SPS has not provided us with an approval giving the most unreasonable excuses. It appears that SPS has not trained their employees properly when it comes to loss mitigation guidelines and procedures specially for the State of NV. 
Therefore, I 'm reaching out to your agency for help since we have done everything within our ability over the last twenty two months to complete this short sale - procuring four separate buyers - providing all the required documentation - only to discover SPS failure to perform in accordance with loss mitigation guidelines that are in place for the state of Nevada. We believe Mr . Homeowner 's consumer rights have been violated. SPS has made this client feel unprotected by this unfortunate situation. The homeowner " Mr . Homeowner '' is in distress as he is a foreign diplomat who is obviously concerned about having a foreclosure on his record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am submitting a complaint about the Equifax breach in XXXX 2017. 
Their inability to protect the data of hundreds of millions of consumers has placed us at risk. I am livid and extremely concerned that they did n't notify us. Had it not been for the XXXX XXXX we would n't have known. 
Two of their officers cashed in stocks but that did n't raise red flags? 
It should n't be our responsibility to ask Equifax or any credit reporting agency to protect our data ; I refuse to pay one red cent for credit monitoring services. 
I will also contact my Senators and Rep and demand that they refuse to pass any legislation weaking consumer protection. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JNR Adjustment Company, Inc (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm XXXX years old and used a website For the first time ever using credit karma to check my credit. Upon looking through the whole website I realized under collections, I owed!! What? I 've never owed anything and always paid all bills. I noticed it was a " Sportmans Guide '' under XXXX ( which is the worst credit rating and have horrible accuracy and will make even the most responsible person still look bad with a horrible report ) The debt collector was JNR Adjustment Company. Says I owed a balance of XXXX. I 've never once ordered or purchased anything like this.my father and I have the same name and I thought possibly it was confusing him and I. This does n't add up and I 'm XXXX % sure this is WRONG AND A MISUNDERSTANDING. I 'm young and have no one to help me through life so I am relying on myself and my credit to help me through life. Realizing I owe and this is stuck on my credit report is absolutely an incovenience and effects my future life drastically. This needs to be fixed immediately ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been speaking to Equifax for 2 weeks trying to get information out of my credit file that I did not apply for and it has a different social security number than mine. I have gotten 4 different reports all containing different information within the last week. Report   XXXX   even have the social security number that 's not mine but it pulled under my social security number. On  XX/XX/XXXX  report   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX    and  XX/XX/XXXX    XXXX   all different information. I sent in a copy of driver 's license and social security card but   XXXX   manager in consumers affairs department stated that the variation of the social security number and old inaccurate addresses will remain on my file. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Other bank product/service) with Comerica (AL).
Issue: Using a debit or ATM card

Complaint: I have XXXX complaints with DIRECT EXPRESS debit card XXXX Thye are XXXX with Debit charges on my bill XXXX in XXXX for XXXX NC XXXX and it was for XXXX nights in hotel tottalling XXXX. 
I have complained to XXXX and to DIRECT EXPRESS in writing and go no possibility of relief for bill I did not do. 

Secondly, I was in a XXXX in XXXX I first checked into XXXX XXXX XXXX for 5 weeks. I found I could get into my new home earlier. I told them I would be out on Tuesday Morning. I asked for a refund. None was offered. I asked for refund from XXXX, they said you paid, even though you do not stay we keep the money. I complained to Direct Express, included statements from back showing what I was charged. Nothing as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted Equifax 3 times via writing and certified mail about XXXX XXXX XXXX account being invalid. Equifax has refused to provide me with proof that this debt belongs to me which is a direct violation of the FCRA. The other 2 reporting agency have conducted accurate investigations and deleted the account from my credit file. Equifax continues report innacurately on my credit file.

Company response to consumer: Closed with non-monetary relief