milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I recently contacted Navient to start a payment plan on my private which I owe a crazy amount of XXXX or so. The man I spoke to was very helpful and stated he could lower my payment to XXXX a month and I was ok with that. However, I kept receiving emails my account was past due. When I called Navient reps were not aware I was on a payment plan and transferred me back tot the man that had originally set me up with a plan. The man stated that the payment plan had been declined and did not provide a reason and that the full XXXX a month was due plus late fees. I was appualled no one informed me that the payment plan on based upon approval and the man still took my payment of XXXX for the month of XXXX and did not cancel my future payments of XXXX for the next XXXX years. I tried to negotiate another payment plan and he said I did not have any other options and they my loan would go into default. I am currently in good standing with my federal however Navient is not working with me on my private loans. My private loan is XXXX years old and the interest rates are over the roof! I never was counseled by XXXX or XXXX XXXX XXXX know known as XXXX XXXX about getting private loans. I strongly feel I was a victim in getting into private loans. The schools took advantage that I had no family support to continue my education and lured me into private loans. I was always under the impression that I had only federal loans. Navient is ruining lives and I strongly feel the government should punish them. I have been trying numerous times to work XXXX XXXX and now Navient on my private loans. I am just asking for a affordable payment! Please help me find a solution I do n't want this to go into a legal battle.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with Colony Brands, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have contacted XXXX XXXX Several times. This is not my loan. The address they have on file is for a shopping mall not my home. I have never lived in that town. I want this fraudulent loan removed from my credit report asap.

Company response to consumer: Untimely response
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  to address this issue. The case number is :  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, 2015 I sent a validation letter. I have not heard back from them nor have they noted on my credit report that I am disputing these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The overdraft that is showing on my XXXX from TD Bank is not correct from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (OH).
Issue: Can't stop charges to bank account

Complaint: I have enrolled in a Debt Management Program and contacted my payday lenders to revoke authorization for ach payments. Advance America responded to my email and agreed to stop the ach. The email included my account number for tracking purposes and the email address associated with the account. On XX/XX/XXXX they went forward and withdrew the entire amount of the loan despite being contacted by me and by the Debt Management company. When I contacted them they said they had no record of a communication between us and they had never received any information from the company I was working with. I told them I had the email communication and they response I got was that they had no evidence of an email and it was too late for me to do anything about it. I spoke with the company I was working with and they indicated that they had emailed and faxed Advance America and spoke with a representative about the account. I had to find another way to obtain {$2000.00} immediately on Friday in order to cover my account and keep it from going negative. It kept me from being able to pay additional bills. They also kept telling me that my state ( Ohio ) does not allow payment plans. That is absolutely incorrect as other lenders have set up payment plans with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Customer service / Customer relations

Complaint: Creditor : Macy 's XXXX calls gives false information and collection department provides no transparency. 
Credit card holder since XXXX, I closed the account around XXXX because Macy 's illegally withdrew money from my checking account. 

I was past due for a XXXX XXXX XXXX payment and in XXXX XXXX I attempted to become current. I changed payment arrangements around and explained that I get paid with a paper check not electronically. The last customer rep ( with a strong accent ) I spoke to assured me verbally that I had till the XXXX XXXX XXXX to make partial payment and also arranged for future payments to be drafted from the checking account. Macy 's reported it late. I called their credit division to inquire:1st call - Customer Service rep. said I was late for two straight billing cycles. I explained the conversation with the customer rep and asked if they would pull the recorded call. He said they do not record calls. I asked to speak to his manager. Manager was absolutely unprofessional and asked why I missed the payments. My explanation was not enough. 
2nd call - to XXXX on the statement and spoke to a rep. ( with a strong accent ) she apologized and said I should not have been reported and connected me to credit division. Another rep. explained there was nothing they can do, their manager wrote " I did not pay because I had no money to my account. '' He also admitted that they do record calls but he does not have access to them3rd call - Credit division, rep. said if I would have made that partial payment before the XXXX I would not have been reported. Furthermore ; she continued to assist me with the rep ID numbers from the calls I made prior. She apologized for the miss-information I was given by the rep. in question. 

Also I tried on various occasions since XXXX to enroll in a hardship program via the XXXX provided on the statement. My income decreased, I wanted to continue making payments but needed help with lowering the interest rates. The reps. ( strong accent ) confirmed Macy 's does not participate in such programs. Well I get a letter from Macy 's responding to a BBB complaint I had submitted. Again they apologized for the inconsistency for the reps. and suggested I enroll in a program available to me if I am having financial difficulties. I called the XXXX on the statement and a lady with ( a strong accent ) said Macy 's does not have such a program. Once I referred to my letter, they placed me on hold and lady with no accent came on and was ready to help. I FINALLY found someone who would help and with professionalism. My interest rate went down to 9.99 % from the average 28 % and she changed my due date. Also min. payment was decreased. Had I received this help earlier, money would be saved with lower interest rate, it would have avoided stress and unfortunate 30-day late marking on the credit reports that I have to deal with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Explain to me how I am years ahead in repayment. My income is up, my credit is up, I am paying still more early and my interest rates on my loans go up on me. This is just squeezing more money and trying to claim oh its the market. No its a bank wanting more money when its already made XXXX in interest off me on student loans. And I do mean thousands made off 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 10-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Have sent letters to collection company that this is not my account. Have asked them to send me copy of a signed contract. Collection company has failed to respond to my letters in the past 3 months.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both  XXXX  and Transunion. I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education,  and NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.

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 07/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: During my time at XXXX, I took out federal loans for my education. Some of that time I was on academic probation due to my goal and was told to appeal for my loans. The full loans were taken out but I was only given a portion of the loans to cover school which is why I had to look in to private funding. Now it is reporting on my credit that I 've maxed out my federal aid and have to repay it. As of right now all my loans are serviced through Navient. I am paying for XXXX school out of pocket and will be liable for this debt after I graduate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I sent request for information, about escrow received in the amount of {$890.00} to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 

.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent the affidavit as requested from the company XXXX XXXX services due to incorrect debt on my credit report. I reported that my identity had to be stolen because I have never lived in Florida. I sent the affidavit by certified mail # XXXX and have not yet received a response from the company XXXX XXXX Services. In addition, I had to pay for this affidavit {$80.00} when it was not my fault and I expect to receive an reimbursement on my money and most important update my credit report by removing the debt that does not belong to me. 

Below the explanation I sent from the original dispute XXXX : I am reviewing my credit report and notice that I have a collection on my Equifax credit report from a collection company named " XXXX ''. Based on the information I see on the credit report it has to do with a home or apt rent or fee at " XXXX ''. I googled the information and it is from Florida. I have never lived in Florida and I never have given authorization to anyone to use my credit information. I have been living in XXXX XXXX for the last 28 years. My address for the last 13 years is XXXX XXXX XXXX XXXX XXXX and the other home I lived was with my parents at XXXX XXXX XXXX XXXX XXXX XXXX, both address are from XXXX XXXX XXXX. I would appreciate that this is investigated and removed immediately from my credit report and the person who stole my identity to be held accountable for fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX Message body To Whom it may concern ; XX/XX/XXXX I was coerced into what turned out to be a predatory loan, in XXXX. I could n't afford the loan and expressed my concern to the broker., who placed in writing that if I could make payments for a year, he would get me a loan with a lower interest rate. This did not happen. I maintained the payments with great struggle for a year as requested. I was not able to continue paying the payments, my business had slowed down greatly and the money was not coming in to make the payments. Then in XXXX I became XXXX, I applied for a loan modification for a lower interest rate. After several attempts got absolutely nowhere. No one would talk to me. So I went to a govt agency for assistance, they worked with me to apply again for the loan modification. Resulting in their conclusion that the bank was deliberately trying not to help me. 
I finally received XXXX but that was no where near any amount that could help me pay my payments, forcing me into bankruptcy. 
Not paying any payments- the bank has since decided to foreclose. I have hired a company to do a forensic study on my mortgage -which resulted according to their conclusion, that are many violations and foreclosing would be fraudulent. There is proof of electronic violations, the original note has been lost or destroyed, note and deed of trust have been separated, the right party to foreclose must have in and original note as well as deed of trust to foreclosure. In this case no one entity does. Therefore foreclosure is deemed fraudulent. Please contact me as soon as you are able any assistance you can send my way is greatly appreciated - I want to stay in my home of 30+ years. Thank you - respectfully, time is running out. none of my documents on the computer, So I can not download and send docs to you. I can fax them to you if given a fax number you have access to. please advise thank you.

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 07/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Closing/Cancelling account

Complaint: I suddenly discovered that Bank of America had closed out one of my credit card accounts after I had fully paid it off and the other XXXX credit cards the credit limit was reduced to the outstanding balance I still owed without my permission or knowledge and for no good cause. I 've had those accounts for several years and kept a loyal relationship with BOA and slowly worked my way up. Since I was not properly informed by BOA my credit card was closed out, I received a late fee charge on a bill I paid and the payment was rejected and had to pay the full outstanding amount in order to restore my service for a total of {$560.00}. I would like BOA to reimburse me and to re-open my my credit card and restore the line of credit I had achieved on all my BOA credit cards. Closing out my account and reducing my line of credit will affect my credit score and has affected me personally. I also filed an internal complaint with BOA on XXXX XXXX & XXXX, 2016.

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 10/28/2015 about Debt collection (Medical) with Credit Associates, Inc. (MO) (MT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Wednesday, XX/XX/XXXX a sheriff showed up at my place of employment and also at my husband 's place of employment. The sheriff served us papers from Credit Associates for a debt we owe of XXXX to XXXX XXXX. I had made payment arrangements with to credit agency of XXXX. I made XX/XX/XXXX and XX/XX/XXXX 's paymenst.My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and we had a deductible of XXXX per-person. We have many doctor and hospital bills and it 's been very difficult to keep track of them all.That being said, I missed a few payments.My last contact with XXXX XXXX was XXXX XXXX to which I told them I would try to get a loan but because of poor credit we were unable to get a loan. We were still trying to come up with the money when about 49 days later a sheriff comes to our place of employment serving us papers. This was the most humiliating, scary, and embarrassing thing that has ever happen to me and my husband. Now I 'm in fear of loosing my job over this. I 've tried to settle with this credit agency but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NE).
Issue: Settlement process and costs

Complaint: When we took out our mortgage, I did NOT want to deal with someone remote, so I took it out locally at XXXX mortgage. They were then acquired by XXXX when XXXX bought XXXX. XXXX then sold all XXXX mortgages to NationStar Mortgage ( who is clearly a con company ). So even though I specifically only wanted a local company, now I am dealing with a shady company that is XXXX of miles away. 

We recently went through major hail damage. I received a check from my insurance company ( XXXX ) and as per the norm, my mortgage lender has to endorse the check. We have damaged shingles, and I needed to get my roof done ASAP to keep from further damage. When I received the check, I overnighted it to the address they had on their website. That was 3 1/2 weeks ago. 

They have done EVERYTHING in their power to sit on that money. They claimed we mailed to the wrong address ( even though I mailed to the address on their website ). They claimed they lost the check. They claimed they had to mail it from their XXXX office to their XXXX office. They then claimed they had to determine the validity of my claim, and needed insurance paperwork, and proof that I was repairing the damage, on, and on, and on. 

Today, we got a new excuse. ( remember, one of the lies was that it was being mailed from XXXX to XXXX ). Today, they said that the check was cashed in XXXX and has been sitting in a savings account there for 3 weeks, and now they have to wire the money from XXXX to XXXX so they can issue me a check. 

CLEARLY this is fraud. They have lied to me several times, further compounding the fraud. They are CLEARLY doing this just so they can collect interest off of my loss. This is despicable and immoral, and really should be illegal. Why are they allowed to collect interest on money that is NOT theirs. And they are doing this by overtly lying to me, and delaying me. 

I have since had my roof repaired, and I have to keep passing these lies to the contractor, because I do n't have the money to pay him. Now, he is starting to accuse me of trying to con him, because he also sees that the lies do not add up. What happens if he fines me? What happens if he files a lien on my home? All of this because this mortgage company is so XXXX greedy that they have to sit on my insurance money so they can collect XXXX $ in interest? 

This type of practice CAN NOT be allowed to continue, because this is truly taking advantage of home owners in a tight spot.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was at work when my co-worker called me into his office to hand me his phone. It was a woman from Navient asking my coworker about me. I took the phone from him and she came off screaming at me telling me that if I do n't pay my student loan I will go to jail and that I owed {$26000.00} I need to payment I do n't have any more time to pay I took all the time I need already. I was so embarrass that I gave her my phone number to call back so I talk to her outside my job. When I spoke to her she was nasty phone after work she told me I need to pay or she will garnish my pay and I need to give a check today for {$6000.00} and she will see what she can do after that. I was so scared I call and got transfer over to Navient letting me believed it was real. I call XXXX because I did not believe that my loan was with this company Navient. She told me I need to go borrowed from my husband, parents, friends and my employer to pay the loan back. I ask if I can me an agreement to send {$1500.00} first and then send payments of {$500.00} each for several months I went on my XXXX XXXX account I never saw the payment posted to my account and that put me in even more trouble owing more.. I called XXXX again and each time I got Navient. This women also had my mom 's phone number and call me mother to get payment from her.

Company response to consumer: Closed with explanation