milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying towards my student loans for over 10 years now and I owe just as much if not more than I did when I started making payments over 10 years ago. I am a XXXX working in the XXXX in the state of CT and we are also the lowest paid XXXX in the state of CT. I have contacted NAVIENT on numerous occasions regarding the fact that my balance is not decreasing and the only response I got from them was to make larger payments. How and I supposed to do that when I am barely making ends meat as it is. I have also requested information regarding loan forgiveness since I am XXXX in a poor district and I have been XXXX for over 11 years and I was told that I do not qualify. Over the past 10 years since I have paid XXXX per month I should have seen a decease in my outstanding balance and I have not. I am to the point now where I am seeking legal action against them and I am hoping that you can help me. At the rate things are going I will be paying off my student loans until the day I die which does not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I opened personal account with XXXX phone services in XXXX of XXXX. Closed account in XXXX of XXXX. It went to collections and I wrote a couple letters and called to clarify the account was closed and I just found out it went on my credit report in XXXX XXXX. 
Account Name Account Type Account Marks Past Due Reported On 1. 
XXXX XXXX XXXX Charge off Learn More {$240.00} XXXX. XXXX, XXXX From what I understand this ALDOUS company has many complaints of false billing and credit reporting. 

My credit was excellent until this false collection was filed and I would like to have it removed. Thank you for your time and please let me know how I can have this false charge removed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with Receivables Performance Management, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: To Whom It May Concern. 

RE : RECEIVABLES PERFORM MGT/XXXX   Agency name RECEIVABLES PERFORM MGT/XXXX Agency number XXXX Original creditor XXXX Good Afternoon, I am in the process of purchasing my first home, and my closing was canceled due to this collection showing on my credit report. I don't have a clue who this company is and they claim to represent XXXX XXXX and XXXX XXXX. I currently don't have, nor have I have incurred any debt with this company. The representative was extremely rude and hostile. They advised me to ay my bill and that even if wrong info on file, I must pay for them to remove. I reiterate i don't have an account with the referenced creditors ( They seemed lost and no accurate information was verified other than my name and not my middle name ). 

Please help me remove this erroneous information, which is a violation of my rights and the fair credit reporting act. 

Kind Regards, XXXX 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 03/28/2016 about Debt collection (I do not know) with Security Credit Services, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Security Credit posted collection to my credit report. I tried to contact them directly, only goes to voice mail. Then they stated harassing via phone ( the number I used to call them ) I pulled my credit report 60 days ago they were not listed. Now my credit score has plummeted.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this account several time the same account is reported twice on 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 03-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I went to school in XXXX, FL - XXXX XXXX XXXX. I graduated in a year that the economy was collapsing and jobs were nearly impossible to find. I was unemployed for almost a year after graduating from college. I called XXXX, now Navient, to ask that I have my loans deferred. The gentleman on the phone told me that I was all set and had been granted a deferment and that I would not have negative reporting on my credit score. As a young man, I am aware now that I was naive in believing that was enough - I hung up the phone in good faith that all was well. After the deferment period, I immediately began to pay almost double my monthly payment to pay XXXX back for the 7 months that I had no means to pay them. Now, almost 3 years after the incident, I pulled my credit to find they have reported XXXX missed payments ( XXXX student loans, XXXX missed payments each for the 7 months I could not even feed myself let alone pay a student loan ). I called Navient and told them of my situation. They said there is nothing that they can do for me - they do not remove negative information reported to the credit bureaus. I explained the entire situation to the man on the phone and his response was " I 'm sorry I often hear about people being misinformed by XXXX XXXX, but we are Navient and this is how we work - we will not be removing the negative information ''. Just because Navient bought out this company does not mean that I should suffer ... XXXX XXXX agreed to report no late payments to credit, and Navient should be upholding this promise to me. Especially since I have faithfully paid them double what I should be paying monthly. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: APR or interest rate

Complaint: We have a Wells Fargo Signature Visa card. We see an interest charge on this month 's statement. On Wells Fargo online we can not find any information about the interest rate charged or the method of calculating the monthly interest charge on the WellsFargo.com Website, which we use for all our banking. I called Well Fargo Customer Care on the Visa statement and asked to find out where this info is available on the Website. The first person said he was not familiar with the online and transferred me. The second person said he was the Web site person and after XXXX minutes of trying, established that this information was not available on Wells Fargo.com and was also not available on the VISA monthly statement! He gave up trying to find out where on the site to go. I said I wanted to register a complaint and was transferred to another Customer Care person who gave me a case # of # XXXX and a phone number of XXXX XXXX ( Executive Offices ). I am writing now because in my experience when the answer is negative, that rather than say that ( on a recorded line! ), that you are referred to someone who will call within 24 hours. 
Okay, so my complaint is that neither the Wells Fargo online nor the statement show this significant consumer information easily available to the consumer where they themselves advocate the customer should do their banking when possible. That missing consumer information is twofold : 1 ) the interest rate including the APR charged on their Wells Fargo Signature VISA card, and 2 ) the method Wells Fargo uses to determine the monthly interest charge posted to the account. 
I know there was a booklet we got maybe even annually where that info may reside. That should not be the only vehicle for transmitting such significant information that the consumer should have readily available as they look at their statement and make their economic decisions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an account with synchrony bank and a balance that is only 18 days past due and they continue to call me almost every two hours from an " unknown '' number about this balance. Although their number comes up as unknown, it leaves an automated voicemail stating that it 's synchrony bank and they require a payment. It 's absurd, annoying and basically harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan was in pay-off status through the Department of Defense and it has take over a year and still Navient, Inc has not applied missing payments. I provided Navient with proof of payment, however they have never contacted me and have failed to find these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (I do not know) with D.B.M.E., INC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Dutchess Adjustment Bureau sent me a letter on XXXX XXXX and indicdates that my account with XXXX is past due. I have Writtent to XXXX and ancelled my membership several times and emailed them at least XXXX to cancel and now these guys sent me a letter of collection of debt, however the letter says if I do n't believe I do n't owe money I have 30 days to communicate with them. And I did. But no one answers their Phones or calls you back. I called 4X and left several messages with my information and noted my account but no one ever contacts you. They are dragging this so it pasts 30 Days and so they claim would be valid. But there is no other website or email address to contact, only a number that no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Struggling to pay mortgage

Complaint: I have been trying to Modify my mortgage for 5 years with Nationstar, I have submitted several completed applications packages over the years and each time they drug their feet for months reviewing the applications, never telling me what was happening unless I called to check up on things only to find out that they took so long doing this that some of the paperwork according to them had " expired '', they requested that I resubmit or redo or update certain parts of the file but after submitting again and agin and again they just drug their feet until they would finally request another full file, this process could take up to a year! in the meantime I sit in foreclosure wondering when I would lose my house. They tried to foreclose on the house a few times but we just kept re submitting paperwork and new files. I would call repeatedly only to talk to some horrible person who was very unwilling to help and when I got upset with them for dragging their feet once they thought they put me on hold and I heard the customer service girl say out loud while laughing " Can you believe this stupid white boy? '' I told her I was recording the call and she hung up immediately.. 
They never answered for this deliberate XXXX remark and it was obvious at that time to me that they were doing this to me on purpose.. 
It has been 5 years of battle and after a horrible divorce this is all my kids and I have left.. 
Nothing has changed with my employment the whole time but recently they approved a modification and put my payments at {$2300.00} a month and % 10 intrest from the original {$1200.00} a month and an extra {$200.00} tacked onto my mortgage because of all the back payments and fees! Why all the sudden would they approve the Mod when NOTHING has changed???? 
This is a strategy they use to XXXX people out of their homes. my house is unaffordable now and would never sell for how much they have scammed me out of.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with ASTORIA BANK (NJ).
Issue: Application, originator, mortgage broker

Complaint: 5 years ago i did a refinance of my loan with Astoria Federal. At the time the loan was supposed to go from a jumbo to a conforming. Now I am finding out that this did not happen, I was lied to. My current loan with them is still considered a jumbo, even though it is {$220000.00}. 

I am now trying to refinance into a 15 year fixed. The rate on their page https : //www.astoriabank.comXXXX for a 15 year conforming is 2.75 %. They will not allow me to access this rate unless I pay them {$1500.00}. For their program that costs {$250.00}, they are offering me a higher rate, not the one advertised on their page. This bait and switch of rates is due to their error from last time I refinanced, when they promised me a conforming loan but did not deliver.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: Service Transferred and Mortgage Payment not being applied. Calling daily harassing about missed payment which was made to previous servicer. Copy of bank bill pay to confirm payment has been provided but Servicer refuses to accept as proof of payment.

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 11-06-2015 about Payday loan () with BlueChip Financial (CA).
Issue: Charged bank acct wrong day or amt

Complaint: Spotloan was the lenders i went with. I had to close my bank account beacuase spotloan charged me on the XXXX and not on the XXXX as I was expecting. They took more money then I could afford and left me XXXX in my account. I had to change banks. I also recieved a call stating they were going to take the remaining balance on the loan.So that they were insured it was gon na be paid. I also closed my account based on that. I 'm on XXXX and they asked that when I signed up and my payments were almost XXXX dollars a payment. It 's surely a scam. Please help me! Having to change banks has messed up both my XXXX and my sons XXXX checks and now I 'm stressed out and scared please help me!! I had also setup {$100.00} payments with them and they took XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Still reporting a judgement docket # : XXXX from 2008 on my credit report that is seven years old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX XXXX paid XXXX XXXX XXXX XXXX XXXX using his XXXX with bank of america. Vendor has dirty hands engaged in a pyramid scheme. There was no contract. Vendor is a pyramid scheme which bribes new customers to bring in new customers. Pyramid schemes are illegal. Vendor admits it does not know what it offers because vendor does not monitor what it has allegedly to offer. Vendor claims it has all courses and all tests. In fact materials proffered are stolen from third world dictionaries and encyclopedias in XXXX and other third world countries. Because vendor has nothing to offer but materials it steals and plagiarizes, XXXX got nothing at any time. 
Bank of America XXXX XXXX refuses to dispute this charge and timely credit because he accepts there was a contract. Instead of dealing with issues, XXXX keeps misrepresenting that he did not get responses to questions he sent XXXX when he did get the responses from XXXX because cfpb forwarded XXXX 's responses. 
XXXX requires boa to credit or XXXX will sue boa but for sure XXXX will not keep answering these same questions over and over. help me get permanent credit NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: From XX/XX/XXXX-XX/XX/XXXX I attended XXXX XXXX in XXXX XXXX, MD. During this time I believe I was mislead about the cost of my attendance and the terms of my private loans. In addition I was deliberately mislead during enrollment and when I asked about how the cost compared with community colleges I was told that that cost would only be a little more for what was termed a " superior '' education.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with Radius Global Solutions LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i do n't know who these people even are i 've never had a credit anything company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through XXXX XXXX XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Bank account or service (Checking account) with PNC Bank N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I am the executrix of my mother 's estate. She died 18 months ago. She has XXXX accounts at XXXX. I have corresponded with them on several occasions and had to redo my request twice because of wrong dates, etc. About 3 weeks ago I sent all the completed paperwork. This week I decided to call to see how things are going. Over 2 days I spent XXXX hours and XXXX minutes trying to speak to someone at PNC. Most of the time I could not even manage to get through to a person. The automatic answer system did not allow me to request to speak to someone. Twice I got through and asked for the number of the department that handles estate issues. Both times I was given an incorrect number. The last time I reached someone, I simply explained my situation and asked for the phone number. In order to get a phone number from this gentleman ( he gave me an incorrect number ) I had to give him, my name, my address, my social security number and birth date. Out of the XXXX hours and XXXX minutes I had contact with XXXX people and total conversation with each was about XXXX minutes. The rest of the time I spent trying to get through the automated system. I still have not been able to speak to anyone about my mother 's money. The frustration of their automated system is horrible. I do think I should be able to speak to someone. 
Eventually I called a local branch and asked someone there to help me. The kind woman said she would get a message to the escalation department. The following day I received a voicemail from PNC leaving me a phone number and asking me to call back. When I called the number left on the voicemail it was to the PNC directory assistance center and she did not know anything nor could she help me. Eventually I managed to speak to the man that left me the message. He said he had no knowledge of why I called, did n't know anything and said he was n't given any information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: At approximately XXXX on XXXX XXXX I went to my local Wells Fargo branch in XXXX TX ( located at XXXX XXXX and XXXX ) to obtain a XXXX Signature for an asset transfer form. This was the third time over a several week period that I had visited this branch for service but had been told no one was available. As such, I decided to close out my checking account. I demanded that I receive cash from the account but I was told they do not keep cash on hand to fulfill such requests. When I demanded it again I was told by the clerk that " that 's enough money to get XXXX over ''. They refused to fulfill my demand.

Company response to consumer: Closed with explanation