milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I contacted my Navient about their temporary interest reduction plan. The representative took my information and told me I was approved for a rate reduction from 11 % and 13 % to 5 % and would need to make XXXX lower qualifying payments before being enrolled in the program for 12 additional months at the lower payment amount. After I made the XXXX qualifying payment, I received a notice saying I had an outstanding balance for the difference between my old payment and the reduced payment amount, which was all interest. At that time, I contacted the same representative and she told me not to worry, that once the XXXX qualifying payments were made my account would be placed in forbearance during the qualifying payment period and that late fees would be taken out and the outstanding interest would not be capitalized because the lower interest rate would be applied retroactively through the qualifying period. I contacted Navient again after the XXXX qualifying payments were made to inquire about the late fees and outstanding amount showing up on my account and I was then told that I had actually not been approved for the reduced interest program. I asked why I had not been contacted and was told that they did n't know and that I should have been told I was not approved the program. After some back and forth and requesting to speak to the previous representative and to a supervisor, I was told I would be approved for the program as a courtesy and that the late fees would be take out because I had not been previously informed that I was not approved for the program. But now I would have to make XXXX new qualifying payments and the outstanding interest would still be capitalized for the previous XXXX qualifying payments and for the new XXXX qualifying payments. As such I will now be responsible for the difference between my old interest and reduced interest for 6 months or the amount will be capitalized. Had I known this I would have made the higher payments during the 3 months I was told I was making qualifying payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I submited a complaint yesterday XX/XX/2016 and you are having problems finding cco morgage they a part of citizens bank and my complaint number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX Card On XX/XX/2018, I paid off full amount due on XXXX XXXX Card, amount was {$68.00} owed to bring account to XXXX BALANCE. My credit union posted this payment, made on their issued VISA card, on XX/XX/2018. I attach here an image of that account summary showing this transaction on that date. 

Statement from XXXX for XX/XX/2018 shows {$68.00} " overdue balance, '' and then ADDS an additional {$40.00} " LATE FEE. '' They now want {$100.00} for a card that I have already paid off. A scan of this statement is attached here. 

I have demanded that Bloomingdales/American Express/department Stores XXXX XXXX correct their record, issue a credit for the {$68.00} already paid, REMOVE the {$40.00} " late fee, '' and close my account to prevent further bad behavior on their part.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Creditrepair.com Holdings, Inc. (CT).
Issue: Fraud or scam

Complaint: I paid Creditrepair.com a total of {$320.00} from XX/XX/XXXX to XX/XX/XXXX. I paid them to remove negative items from my credit reports. Creditrepair.com did not remove any negative items from my credit reports. ( The three credit reporting agencies )

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2017 about Debt collection (I do not know) with Franklin Credit Management Corporation (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2017 I received a letter from XXXX XXXX XXXX XXXX stating I owed XXXX. They said if I do n't respond in 30 days they would assume the debt was mine. I responded the business day by certified mail asking them to validate the debt, prove that I signed a note of some kind and prove it is not a scam. I also flied a complaint with the Minnesota Attorney Generals office asking the company to " Please provide proof that the debt is mine, that they have the legal right to collect, and that this debt is not some sort of " Time Barred Debt. '' I am worried that this company is trying to scam consumers into paying debt they legally do not owe. I am a father of XXXX and work three jobs just to stay afloat. My children care on XXXX XXXX for health insurance and we I buy groceries at XXXX XXXX XXXX just to provide food. The food is outdated but I am doing my best. I considered going to the media but wanted to see if CFPB could look into this issue and stop the harassing letters. Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: 2013 what are you doing to bring XXXX /wachovia bank /wells fargo bank for fradulent forclosure and theft of my property loss in excess XXXX, XXXX dollars, why have you not protected me as a consumer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian is fraudulently and vindictively punishing those who have filed CFPB complaints against Experian.     Every time I want to temporarily remove a security freeze ( or perform virtually any other type of online function ), Experian refuses with the lue they can not verify my identity. They then insist that I have to use the mail to submit my request and great delay and inconvenience. They do this as retribution for previously filed CFPB complaints against them.     When requesting a temporary lifting of a credit freeze, I correctly and precisely enter my PIN and other identifying data. I enter my address exactly as it appears on a recent Experian credit report I have in hand. Each time, Experian refuses to unfreeze my credit file because, they lie, they are unable to confirm my identity.     Experian then suggests I pay them {$25.00} per month for their credit monitoring and credit lock service. When I enter the exact same personal information and pay them {$25.00}, they can then miraculously immediately confirm my identity.

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 01-12-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: experian re-inserted an account ( XXXX ) back into accounts that are potentially negative. Proof was sent in to experian month 's ago that this account was never paid late. It was rectified and listed under accounts that are satisfactory. Today I checked my credit report. Report # XXXX and see that it was put back in where accounts that are potentially negative. This information is completely wrong and I tried to submit a dispute but experian will not allow me to re-dispute it again. I am trying to obtain a mortgage and having wrong information on my report is affecting my credit worthiness. I am submitting this complaint for 2 reasons. 1 it should have not been re-inserted into accounts that are potentially negative and the second complaint is experian will not allow me to re-dispute this. It is my right to correct wrong information on my credit report and they are not allowing me to do so.

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 01/29/2017 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (NC).
Issue: Managing the loan or lease

Complaint: I already submitted a complains 6 months ago, but the company, SunTrust, refused to acknowledge my dispute, so it 's just sitting there. They sold my auto loan without advanced notice to a sub prime lender with a horrible customer service track record. I was made aware of the sale, AFTER, it had occurred and my online access to the account with SunTrust cut off. Since then, EVERY MOMTH, without fail, I get an e-mail reminder of my previously setup automatic bank draft not going through. I have called and e-mailed to stop these, which could have been resolved in the first place if they had allowed me access to the account to un-enroll in automatic payments ( but again, they cut me off in the first place ). 7 months after having the loan no longer serviced by SunTrust, I consider these e-mails to be harassment and DEMAND THAT THEY STOP IMMEDIATELY. This ongoing issue is why I submitted a complain in the first place asking SunTrust and the CFPB to review their policy on selling loans without advanced notice. Their only response was a letter that sounded like I was a child and rather condescending, wholly unaware that loans are sold. I know loans are sold, but I 've never had it done without advanced notice and with my access to the loan cutoff.

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 03/13/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: Dear representatives of The Consumer Financial Protection Bureau, I hope you are doing well in The State of Iowa. 
I 'm writing to you because I would like to request your helpful cooperation. I 'm experiencing some very serious difficulties with the Financial Institution " Citibank '' and their credit card " My Best Buy Signature Master Card ''. I have been so patient with them but I ca n't take my problems with this credit card company anymore. 
Last night, I called this credit card company for a fourth time. The person who I got on the phone when I called was very rude and not helpful with my situation. I had the same situation around 4 days ago when I called them to follow up. 
I believe I have also been discriminated by them because I 'm a foreigner. I was born in XXXX even I speak English very well but I have a little accent when I speak English. Some of their representatives sounded very prejudist and probably they are acting like this with me because I 'm a foreigner. 
I have also tried to respond to Miss XXXX XXXX message and letter, I called her telephone number that was provided in her letter sent to me several times and I have left several messages for her but she just does n't answer my voice messages to talk about this problem that we have about the XXXX certificates that were issued to me by the credit card company directly ( Not BestBuy ) XXXX certificate was for {$10.00} and another XXXX for {$5.00}. I have also called her telephone number that was displayed in my caller ID when she tried to call me on XX/XX/2016 but she did n't leave me a message when she called me. 
The company Best Buy also confirmed to me that was the credit card company who issued me these certificates and not Best Buy Rewards. 
Several customer service representatives promised me several times that a supervisor of The Citibank Office of the President was going to call me to address this issue. I was waiting for the phone call for many weeks. 
Every time I called them to follow up, they just answer me with excuses and more excuses. I got also many false promises that a manager of The Office of The President was going to call me but nobody called me. 
I do n't know why they say that they ca n't reach me. I always answer the phone or I call back if they leave me messages. I 'm a professional lawyer, interpreter and translator and I deserve to be treated with respect by the credit card company as a good customer that have been of her credit card company Best Buy Visa signature Card of Citibank All done concerning to this matter will be greatly appreciated. I will be glad to send you records of my phone calls that I made to them trying to reach XXXX XXXX XXXX. 
Thanks. 
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 09/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX Court.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My wife had a medical procedure XXXX years ago. They submitted the bill to XXXX XXXX using my wife 's old account. Months ago I spoke with Continental Credit Control and to XXXX XXXX who said they found the medical bill and would put it through for payment. I thought end of story. But yesterday we received a statement dated XXXX/XXXX/16 from Continental Credit Control showing {$410.00} due, including 10 % interest. We spoke with Continental Credit Control this morning and the first thing they insisted that we make payment over the phone and then they would take it off of the credit report. Only after back and forth conversation did he recheck and tell us that they RECEIVED payment back in XXXX! A statement sent in XXXX for a payment made in XXXX? Well, a month ago we were DENIED a credit card because of bad credit! To add insult to injury, Continental had the gall to tell us we still owed the interest due!

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with DOAN SOLUTIONS (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was contacted by  XXXX  via my school district protected email regarding a service to assist with public service loan forgiveness. When I called  XXXX  I was transferred to Doan Solutions LLC who I was told was contracted with them. I signed a contract and was charged a {$390.00} for their assistance with this program. After speaking with Fe d Loan Servicing, I believe this is a scam because they stated I should not have been charged a fee for those servic es.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The equifax data breach has compromised my personal information and the company has not done enough to assist consumers impacted by the breach. The gross misshandling of security platforms has resulted in millions of identity theft cases and the unfair burden of filing credit freezes is a process which is not being handled well, or at all, by equifax. I have attempted to file a credit freeze on XXXX XXXX 2017 and have not been contacted by the email service i initiated with TrustedID to ensure my identity is not compromised. Furthermore, i learned that Equifax was fully aware of the breach but elected to perform insider trading at the expense of their customers to make money before their stocks nose dived in the aftermath of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Payday loan) with Solidus Group LLC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Threatened of being taken to jail. 
I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.

Company response to consumer: Untimely response
Consumer complaint received 04/17/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have many student loans from XX/XX/XXXX on my different credit reports. I became XXXX in XX/XX/XXXX and was approved to have my loans forgiven and were taken over from XXXX Department of education by Nelnet. Some of the loans have negative comments in the comment section that do not say paid in full and is causing my credit to be damaged. Some of the student loans have no amount in the balance column so it looks like I still owe money. They also state that these loans will be on my credit report until XX/XX/XXXX and XX/XX/XXXX. I would like the comments in the comment section removed and in the empty balance box want it to say paid in full. I do n't know what the rules are for how long these stay on my credit reports but over 10 years seams excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Other debt) with Valley Credit Service, Inc. (OR) (OR).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Over the last few months, since XX/XX/XXXX of 2017, I 've been trying to settle my debt with Valley Credit Service out of XXXX, Or. I 've tried calling a few times and the time that I finally got someone on the phone, they said they had already taken action to sue me for my debt, without giving me a chance to work with them. They then demanded I pay it off to stop legal action. I have never received any written notice for my debt. I was never served a summons to appear. I do n't have anything on paper telling me what my debt is and how much. 
I am now getting letters from lawyers wanting to represent me on my case, even though I have not been aware of any case against me. I have emailed them 3 times and called 3 times and have not gotten a response. I 've even talked to the bank that gave my debt to valley credit. The bank called them as well. 

Would like to know what I can do now about this debt.

Company response to consumer: Untimely response
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with JNR Adjustment Company, Inc (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX hires a third party to bury lines on ones property for the purpose of having fiber optic lines. The problem with this is that these companies do a poor job of actually burying the lines. They come out with a machine that digs a hole so that another person can bury the lines that follows behind them. However next to the house the lines are only a few inches deep and they pay no attention to that. Animals can dig up these lines because you can actually see them. I sent pictures to XXXX XXXX XXXX and complained about this but what do they do? They send me a bill because of the sloppy work done on my property. This was the THIRD time they had to bury these lines. Next door new property cut the lines installing sprinkler systems when they were only a inch below the ground. Why can't they place PVC pipe ( very inexpensive ) on these lines instead a sending a bill to the homeowner. I still have no idea where the lines are.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (OH).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Received a payoff quote from Honda Financial Services. Paid that amount prior to the date requested. Then received a letter requesting additional funds and missing documentation. Contacted Honda and explained that they cashed the check for the amount requested and documents were sent to the address on the payoff quote letter. Was told that was the wrong letter was provided therefore wrong address so documents would have been shredded and need to be sent again. In addition, sales tax was also owing because they quoted for a dealer payoff and not consumer. Sent to documents - overnighted at an additional expense. Honda continued to request lease payments and add charges. XXXX and XXXX from Honda both stated that lease was no longer in effect that the payoff was " in suspense '' waiting for the remainder of funds. No workout could be given even though twice the monthly lease payment was still owing. Remaining funds overnighted and received on a Monday morning. Checked account on Tuesday and nothing was posted to account. Contacted Honda again and was told anything sent to their overnight  address would take 48-72 hours to process. Call back on Friday. Friday is actually 96 hours after Honda signed for overnight package. At this point, crossing my fingers that all will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they call my home all day everyday, even after XXXX and they called my home this past sunday as well? no one ever says anything at all its like its a automatic dialer or something i had never been told why they are harrassing me?

Company response to consumer: Closed with non-monetary relief