milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Attending a Military school in XXXX can be costly, and at the time private loans were my only option into the school back in XX/XX/XXXX. I signed up with XXXX with a co-signer in XX/XX/XXXX when my financial aid could no longer aid me in returning back to school for the XX/XX/XXXX Fall semester. XXXX gladly help and thus i was able to resume my studies. By XX/XX/XXXX, I had to leave school due to being unable to join any arm forces due to a XXXX. I returned back home to XXXX and enrolled in a local school. By now, all my loans were being deferred since I was in school, only paying the bare min of the interest a month. I took a semester off in XX/XX/XXXX and planned to return in XX/XX/XXXX. After a 6 month period, XXXX hit me with my first repayment bill in XX/XX/XXXX. Only making min wage, I was unable to make the payments. No offer was made to me nor was I asked to fill out any form so that the monthly payments can be adjusted to my min. wage income. I had to ask for it and even then it was going no where. I was offered a 3 month period of total deferment. With interest climbing ever so high, all unaware to me. I was unable to take any more loans during that period and so returning to school was out of the question. I can honestly say, it has been a rough one year since XX/XX/XXXX with the over the top monthly charges. I was fortunate enough to get family support but it had to come at a price of struggling. XXXX, now Navient, never sought to accommodate to a adjustable monthly payment that would match my income at the time. I had just recently graduated college with a degree and on to further studies, manged to land a job at the hospital with a promising future. My biggest worry is XXXX unwillingness to accommodate to my income and therefore prevent me from moving on with my adult life. I have read many stories regarding XXXX loan borrowers and their struggles in repayment. I tried researching any legitimate repayment programs that can help but unfortunately private loans are not as easily helped as with federal. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (OK).
Issue: Account opening, closing, or management

Complaint: Navy Federal Credit Union, explained that they would not adhere to the XXXX, and my request to dispute certain items, due to perceived fraudulent transactions. In my official XXXX letter mailed to Navy Address in XXXX, Virginia I requested all statements, and ancillary information. I was informed by the Navy CSR that if I did n't imminently make payment I would be reported to the CRA as late. This is a clear and cut violation of the Fair Credit Billing Act, and its provisions that the CCPA codified XXXX which requires CREDITORS : " In addition to creating a mechanism for dealing with billing errors, the FCBA contains additional regulations, including the following : Billing statements must be sent at least fourteen days before the payment is due for open end credit accounts that have a grace period prior to adding finance charges. 
If banks report payments as delinquent to credit bureaus they must also report a charge is disputed. 
Credit card companies may not prohibit merchants from offering discounts to people who pay with cash or check. 
Banks may generally not use money in checking or savings accounts to pay a delinquent credit account with the same bank. 
The XXXX XXXX gives a consumer the right to sue or assert defenses against the credit company ( instead of the actual merchant ) in a dispute about the quality of goods or services received, to the dollar extent of the amount of the charge ( s ) involved. ( The dollar amount of the charge must exceed {$50.00}, and the purchase must have been made in the consumer 's home state or within XXXX miles of their address ( unless the creditor is affiliated with the merchant, in which case these restrictions do not apply ). The consumer must also make a good faith attempt to resolve the dispute prior to invoking this right. ) Especially now is all the more prudent to support openness and not be punished in light of XXXX which stated purpose that created the CFPB is " To promote the financial stability of the United States by improving accountability and transparency in the financial system, to end " too big to fail '', to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. '' Id say the mere treating of reporting me as delinquent when I challenged a statement is not only counter to XXXX its counter to the mission and work of the CFPB. I am disappointed in NAVY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a consolidated student Loan through XXXX, made payments on it over time. When my son was born, he was in the hospital for four month, I got a deferment. The deferment ended sooner than expected and I went into default. I made XXXX payments to Transworld Systems Inc to get my loan out of default. After that, they said it would be up to 60 days before someone bought the loan. It has been four months, I continue to make payments to Transworld, and I am still listed as in default. In addition, it was a 15 year loan and I now owe more on it than when I started. Because of my family 's unique situation, we need to apply for a mortgage immediately, and we have built our credit up to do so, but are unable to do anything until this gets resolved. All XXXX of us ( wife and XXXX kids, XXXX with XXXX ) have been living in my in-law 's basement while Transworld continues to list me as default even after I complied with my end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX I was diagnosed with XXXX XXXX that forced me to close my business, prompted separation from spouse, a move to healthier environ that led to homelessness, joblessness. <P/>I contacted Citibank with address changes, told of the issues, that I would continue to pay and communicate online as I had to give up phone. <P/>I used up savings and notified them of the amount I could pay from odd jobs. They accepted for just a few payments, ( breaching the contract made by phone, recorded per Citi ) then refused my payments beginning XX/XX/XXXX stating to " Send the entire amount ... '' which was not in any way possible. Citi continued to refuse payments, did n't reply to any contact, but continued to add late fees, penalties and interest. <P/>I believe that they further breached the contract by writing it off, getting the tax credit and turned in to collections, the paper being bought by XXXX XXXX for what appeared to be XXXX cents on the dollar and they began sending collections demands in XX/XX/XXXX, and only a statement for the full amount every 6 - 8 months, ignoring every contact of mine with description of the history, what I felt was fraudulent billing by adding penalties, late fees. NO reply. XXXX XXXX XXXX re : ID FOR COMPLAINT SENT TO XXXX XXXX Ignored, only a statement for full amount.

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 10/16/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Sent XXXX letter XXXX received response XXXX. Collection company was unable to locate account and not able to verify. Which under the XXXX act if they are unable to varify the debt must be deleted. XXXX letter included all info they needed to locate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 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 the credit bureaus regarding an item on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC identity theft report. I have provided to them all this information and copies of the documents as well. They have not handled their investigation as they are suppose to in cases of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Card issuer, American Express, refuses to send me paper statements despite my request they do so. Their stated position is statements are available electronically and can be printed. Personally, I prefer to receive paper statement in the mail for review and as a payment reminder. I have incurred late fees for delinquent payment, which I will attribute to not being aware a payment was due. I prefer to receive paper statements in the mail as a way to manage my personal finances and payment obligations. I think card issuers should be required to provide paper statements if only upon request. Can you help me with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Debt collection (Medical) with ALCHRO INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Untimely response
Consumer complaint received 03-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC ().
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX XXXX. Due to my wife and I are been XXXX. My wife has been without income for the last few years. My wife has made several attempts to obtain her XXXX income, each time she has been denied. Due to my income being reduced and fixed ; I reached out to my mortgage company to request for assistance. The rate on my mortgage is at a 9.96 % and I owe over $ 69XXXX on my loan. Property value is only $ XXXX. I 'm really in great need of assistance. I reached out to my mortgage company for assistance and was denied. Mu monthly mortgage payment is {$640.00} each month out of that {$640.00} ONLY {$82.00} is going toward the principal balance. Ocwen has denied my loan for modification options at this time. I really need assistance to get this overturned.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have taken off XXXX quarter so my student loans came out of deferment. I logged onto the navient website it showed a total owing for the month of XX/XX/XXXX. I paid the amount in full. A week ago i started getting automated calls from them saying they have a message for me to log on to my portal. I did that today. It showed a past due amount for XX/XX/XXXX along with a small late fee. I called to talk to them - ridiculous. When I explained that they back dated a loan payment and needed to fix their issue they preceded to tell me where my payment went that was done XX/XX/XXXX - over and over and over again. Never listening or dealing with the fact that they back dated a loan payment that was not there when I paid for XX/XX/XXXX. I spent over an hour ( this is actually a short time for them ) on the phone trying to get them to understand the mistake they made. No resolution. I was charged a late fee, i wasted over an hour, and still had to pay the late fee. I took a picture this time of the website showing that no other monies were due for the month of XX/XX/XXXX. They do this continuously to get the late fees. They do not listen to what you are saying just keep repeating themselves about how I owe this and I owe that - I have no issues paying the loans, I just do n't like the deceptive, non responsive, and argumentative way they handle repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: equilfax is reporting XXXX medical collections from a collection agency called XXXX. these collection were not billed to the right insurance im XXXX veteran the medical provider was instructed to bill the VA for services for XXXX. the VA will not pay collection agency. midmich medical sold these collection to XXXX and will not cooperate in the proper billing.i filed meany complaints with equilfax with no results.i want these collection removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Student loan (Non-federal student loan) with Genesis Lending (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 'm a former student of XXXX University. I was forced to take out their privatestudent loans referred to as a " XXXX '' loan '' in order to continue my studies. Iwas not aware that I was out of Federal funding. I took out XXXX loan in theamount of XXXX. A few months later I was told I had to take out anotherloan in the amount of XXXX in order to graduate. So in all, a total of XXXXin XXXX separate loans with an interest rate of 6 % on each loan. I 'm currentlyunemployed, and will only pay XXXX a month on XXXX loan. I was also under theimpression that XXXX students were being awarded relief of 40 % on thesefraudulent loans. As of this day, I have not received any decrease in theamount I owe, and I was wanting an explanation as to why. In my opinion, allof these loans need to be forgiven. This school maxed out your Federal fundswithout your knowledge, and then forced you into their XXXX loans to eitherfinish your studies, or graduate. This school is corrupt, they are thieves, andwhat they have done to so many students like myself, is despicable. My nameis XXXX XXXX, I am a part of the original " XXXX XXXX ''. I made a trip toXXXX on XXXX XXXX, and met with the DOE, CFPB, and Dept of Treasury. Ipersonally asked the representative from CFPB why I had n't gotten any reliefon my XXXX loans, and he said it was being sent out in waves. I check myaccount daily and nothing. I also have not received a letter informing me of thestatus of my relief. 
XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Using a debit or ATM card

Complaint: vendor charged me XXXX for the a service i did n't get. i tried talking to the vendor to reslove the case before i called wells fargo bank. i was advised it was going to be taken care of i gave he all the info they requested and a credit was issued to me. only to find out that it the credit was take a from my account a few months later, making my account negative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX XXXX sold our loans to Navient. Naivent claims they 're unable to provide any sort of amortization chart simply because the loans are marked " variable interest ''. However, they 're also unable to answer how since 2012 when those " variable interest rates '' have yet to spike over 5.75 % that in over {$35000.00} worth of payments, almost {$20000.00} has gone strictly to interest leaving the other {$15000.00} to be applied to principal. I 'm not a genius, but that math just does n't add up to me. They 're scripted answers will not suffice for this household. After seeking council from a professional, we did some research and found that the Consumer Financial Protection Bureau has a lawsuit against the institution. " The lawsuit alleges that Navient provided bad information in writing and over the phone, processed payments incorrectly and did not act when borrowers complained about problems. '' They have continued to fail their customers by deceiving them when it comes to the ability to pay back their loans in a timely manor. These crooks are simply out to XXXX the dollars out of students and their families for as long as they possibly can. They have to be stopped. Loans should be easily consolidated when purchased by a third party rather than forcing the payee to split their payment over several loans. This adds to the confusion and makes it extremely difficult to understand where you are in terms of repayment, not to mention it makes it virtually impossible to ask questions over the phone with their terrible customer service workers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted Equifax seral times within the last three months about some incorrect reporting XXXX. They keep saying that XXXX XXXX is reporting this information. This is not true. XXXX is reporting these XXXX accounts with the correct balances. They sent me a credit report dated XX/XX/XXXX2015-XXXXreporting balance XXXX is incorrect-the balance is XXXX XXXX XXXX reporting XXXX is incorrectly-the balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (MI).
Issue: Problem when making payments

Complaint: PayPal has no idea how their system operates : I have a {$2200.00} line of credit with PayPal but have been unable to use it. Paypal 's security system continuously denies my charges regardless if amount is {$100.00} or {$1500.00}.   I have called numerous times, spending hours on the phone over the last few weeks and NO-ONE at  paypal  is able too provide or understand why I have been unable to use my line of credit. Paypal is in direct violation of our agreement  ( contr act ) and has provided false information soliciting me to obtain credit through them. They have also damaged my credit reports by making an inquiry and adding a new account, which I am unable to use. I have literally tried everything. During these phone calls, Paypal reps have advised me to attempt different methods. I have with no success. I have even attempted with a rep on the phone who claims to have tried forcing my transaction through. There is no identity issue with me as I have always called from my phone and have passed numerous identity questions and test. Paypal simply has a security system they do NOT understand and are unable to adjust or get around. Basically Paypal 's system controls everything, and does not allow a human wether it be a PayPal rep, supervisor or someone from the risk department. to adjust. This is INSANE and then public should be aware. If you research Paypal complaints, there are literally tens of thousands, most about the same issue. I have never seen a company with more complaints. Additionally, this has hurt my business relations with others. When I purchase something and promise to send funds and this funds are denied, people tend to be wary of doing further business with you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Debt collection (I do not know) with National Commercial Services, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX I RECEIVED A LETTER FROM XXXX XXXX XXXX COMPANY CLAIMING I WAS INVOLVED IN A HIT AND RUN ACCIDENT ON XXXX ACCORDING TO THE LETTER A POLICE REPORT WAS FILED. I SPOKE TO THE AGENT THAT SENT THE LETTER AND THE AGENT STATED IT WAS A LETTER THAT THE POLICY HOLDER FILED A CLAIM STATING THAT A PEDESTRIAN WITNESSED THE HIT AND RUN AND GAVE MY LICENSED PLATE I ASKED SPECIFICALLY DESCRIPTION OF THE CAR AS THERE ARE XXXX CARS REGISTERED UNDER MY NAME, AGENT STATED PER THE INSURED A WHITE PATHFINDER I TOLD THE AGENT THAT NONE OF MY CARS MATCH WITH THE DESCRIPTION THAT WAS GIVEN THE AGENT INSISTED THAT MY CAR WAS INVOLVED IN THE ACCIDENT HIT AND RUN I TOLD THE AGENT THAT MY CAR DOESNT SHOWS NO SIGN THAT IT WAS INVOLVED IN ANY ACCIDENT THAT DAY AND TIME, AND THAT WAS A MISTAKE THT SOMEONE GAVE MY PLATE LICENSE NUMBER THATS ALL AND MY CAR WAS A NONOPERATION VEHICLE FROM XXXX to XXXX FOR SMOKE INSPECTION RENEWAL REGISTRATION. THIS IS A FALSE REPORT INFORMATION GIVEN, FRAUD INSURANCE THAT MUST BE REPORTED. THE AGENT THAT HARRASING ME WITH SEVERAL LETTERS, AND ACCUSSING ME WITH FALSE INFORMATION, NO INVESTIGATION WASNT MADE CORRECTLY TO FIND THE PERSON RESPONSIBLE FOR THIS HIT AND RUN ACCIDENT, JUST BASED ON A PEDESTRIAN THAT WITNESSED AND GAVE LICENSE PLATE THAT MATCH XXXX OF MY VEHICLE, WRONG INFORMATION AND OBVIOUSLY FALSE DOCUMENTATION INVOLVING ME IN AN ACCIDENT XXXX CARS XXXX, THAT SOUNDS MORE LIKE FRAUD INSURANCE THAN ANYTHING ELSE, DONT YOU THINK IF WAS REPORTED TO POLICE THEY WILL BE SENDING ME A LETTER, OR SEND SOMEONE TO CHECK MU VEHICLE I AM VERY RESPONSABLE PERSON I DEFINITELY WOULD 'VE STOPPED IF I KNOW I HIT SOMEONE, I FILED A COMPLAINT TO FTC FOR FALSE REPORT AND INSURANCE FRAUD. BUT I RECEIVED ANOTHER LETTER NOW FROM NATIONAL COMMERCIAL SERVICES CREDITORS COLLECTION AGENCY FOR A SETTLEMENT OFFER AMOUNT OF {$4400.00} FROM SAME XXXX INSURANCE TO BE NEGOTIATED XXXX I DONT OWE ANY MONEY, I DO N'T THINK THATS RIGHT, TO BE HARRASING ME, ESPECIALLY WHEN I TOLD THE XXXX INSURANCE COMPANY BACK IN XXXX THAT I HAVE NOTHING TO DO WITH THAT ACCIDENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation