milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I borrowed a total of {$57000.00} in private loans beginning in XX/XX/XXXX from XXXX XXXX. I have payed XXXX XXXX/Naviet over {$50000.00} to date. As of today my principal is about {$67000.00}.
I began paying my loan in XX/XX/XXXX. I needed to lower my payments and I was introduced to an interest only plan. When the interest only plan was expiring I received a letter from Naviet in XX/XX/XXXXto call for lower payment options. After speaking with several representatives I was told that I do not qualify for any lower payment options. I wrote a letter to the corporate secretary to explain my financial situation and the unprofessional way I was treated. As a result, an advocate reached out to resolve the issue. I was told that they would lower my payments by extending my payoff to thirty years instead of twenty-five. I was comfortable with the new payment. As of today my payments have been increasing rapidly. I realized that my payoff is indicated in my account summary as an ESTIMATE for the year XX/XX/XXXXwhich is not thirty years. I reached out to the corporate secretary and an advocate on XX/XX/XXXX about the payment increase and my term is not thirty years. XXXX XXXX a representative for Navient reached out to me and told me that she will get back to me about making sure my payoff date is for 30 years. I have not heard back from Navient since that phone call two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I 'm a veteran XXXX vet, there is a law in place right now and has been that when ever a 100 % veteran enters a non-va medical facility for services they contact The department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX for payment, they do n't do this they send it over for collections then it ends up on the veterans credit report, if it only takes me 2 minutes to get this information as big as medical facility is why ca n't they do the same thing I 've written you about this same situation in 2013, so I 'm gon na give them info again. Whenever a vet comes into your facility in Michigan contact XXXX, and quit making it so hard for us veterans. XXXX in this dept said XXXX hospital never contacted them about this bill. I 'll send over all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX  appears on my credit-report ; Requesting the inquiry be deleted. Already removed from my  XXXX  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 explanation
Consumer complaint received 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account is for Asset Acceptance account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is 10 years old. I hired an attorney for this. A certified mail letter was sent to Asset Acceptance asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. Asset Acceptance failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, Asset Acceptance continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called Asset Acceptance, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to Asset Acceptance. For 3 days I have spent 2 hours a day on the phone with Asset Acceptance and no one can help me clear this up. I can not even find a representative of Asset Acceptance who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be 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 05/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments. The Plaintiff ask for {$4200.00} you can see that at the top. Please pay close attention to the document you can clearly see that I only owe {$420.00}. The Judge only awarded them {$420.00} and below you can see my counter payments I made to the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, Equifax allowed personal information to be released without consent placing me at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted Transunion and XXXX for quite awhile but have had the same problem Transunion and XXXX will not add that I have XXXX XXXX XXXX on my account. They keep updating information from XXXX even though XXXX was paid off and XXXX  balance. XXXX XXXX XXXX has contacted them but they keep insisted that they keep XXXX on even though it have been 7 years that I have had XXXX on my credit report and they keep manipulating the records. Please write a letter to the credit bureaus updating them that I have only XXXX XXXX XXXX and to remove XXXX and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX was part of a XX/XX/2012 case against XXXX that found systemic auto loan discrimination. The case XXXX v. XXXX found that XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant 20 % interest rate. XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to modify the loan on my grandmothers home which I am the executor of the estate. I have not received any answers regarding the mortgage loan on my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Other type of mortgage) with Ditech Financial LLC (VA).
Issue: Struggling to pay mortgage

Complaint: We purchased our home in XX/XX/XXXX. At the time I was an XXXX XXXX XXXX XXXX undergoing multiple deployments to XXXX and XXXX and my family was living on XXXX XXXX XXXX XXXX. The family was under a great deal of stress because our military quarters were directly on the landing approach for F-14s, which flew over the house at low altitude several times a day. 

Shortly after moving into our new home the home we discovered hidden termite damage that had to be repaired immediately. We took out a home equity loan from Ditech to pay for the work.

The contract was signed on signed in XX/XX/XXXX, for a 25 year loan at 13.89 % actuarial interest. The original loan amount was {$77000.00}, and my payments were {$950.00} a month. 

Along with my primary mortgage, my monthly payments total {$2700.00}. Although this has been crippling financially, I have paid that amount every month since, and have never missed a payment-. 

I have paid Ditech roughly {$140000.00} in this period, and my current loan balance is {$68000.00}. 

In XX/XX/XXXX the value of the home dropped, and with our combined mortgages I have owed more than the home is worth every since. When I checked in late XX/XX/XXXX, the estimated value of the home was roughly {$310000.00}. Since moving in, we had another child, and the home was too small for our family, but we had no real options to move out. 

It gets worse. 

Ditech approached me earlier this year and offered to loan me {$350000.00} to consolidate both of my mortgages at 4.125 % interest, which would lower our total payments to roughly {$2000.00}. 

We were within a week of closing when we discovered serious termite damage in the home, and realized that the termite inspection report provided by our pest control company was fraudulent. Knowing that this was illegal and unethical, I stopped the refi process while we determined the extent of the damage. 

Surprisingly, my Ditech loan processor encouraged me to continue with the loan, citing that no one would ever know about the report. Even after I explained that I planned to not occupy the home as my primary residence and would therefore not be eligible for a refi loan, Ditech encouraged me to close the loan. 

Through this experience I learned that Ditech has not only taken advantage of me and placed my family in serious financial hardship from the beginning, but they were willing to place me in legal jeopardy. Through this entire experience I have met my obligations and dutifully my payments, hoping that I would be able to pay this loan down enough to get out from under it. They make it difficult to navigate their website and find pertinent information, and they are predatory in their practices

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I am a federal government employee and my official government credit card ( Citi Card ) was fraudulently charged {$25.00} on XXXX XXXX, XXXX. Once I noticed the fraudulent charge, I called Citi Card and filed the attached Declaration of Unauthorized Use. Citi Card notified me orally and by letter that I am responsible for the fraudulent {$25.00} charge because the " card was in my possession at all times. '' I do n't dispute that the card was always in my possession but the credit card numbers of my official Government credit card were hacked and fraudulently used. I should not be responsible for these charges. As a federal employee, I am required to use my official Citi Card credit card any time I travel for an official purpose. Making federal employees liable for all fraudulent hacks of their credit card is blatantly unfair and contrary to FTC guidelines. 

I have made this assertion to Citi Card numerous times without success. I should be refunded the {$25.00} fraudulent charge.

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 06/15/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: There appears to be a resolution miscommunication between Consumer Financial Protection Bureau ( CFPB ) and Nationstar regarding my complaint ( case # XXXX ). In the email I received from CFPB today ( XXXX XXXX ), you indicate Nationstar has provided a partial response to the aforementioned complaint with steps taken so far to address my issue and I should hear from them within XXXX days. After viewing the response, Nationstar indicates they will respond within XXXX days from the date of the letter ( XXXX XXXX, XXXX ). The company 's response does not identify any steps taken as per your message when the path identified in your Auto-Response section is clicked. You are directed back to the 'Complaint List ' without any additional information. Nationstar has a designated time-frame in which to respond and make corrections to this problem as per CFPB regulations. Your email states within XXXX days and Nationstar states within XXXX days - which is it? Nationstar also sent a letter which arrived at my residence today ( XXXX XXXX ) and dated XXXX XXXX, XXXX indicating they would respond no later than XXXX XXXX, XXXX. I am terribly confused and wondering why there are so many mixed messages regarding resolution. Since there are mixed messages regarding the complaint, I would like to change the dates in my original submission indicated in the 'What happened ' section - XXXX XXXX should be XXXX. Also, in the 'Desired Resolution ' section, the XXXX and XXXX XXXX should be XXXX and XXXX XXXX. The mistake made was a typographical error.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt NEVER existed. This is NOT a debt. 

This involves the return of XXXX equipment that was returned to XXXX in 2010!!!!! 

I have been harassed by several collection agencies since 2010! This has to STOP!!! 


I am tired of being harassed and want this removed from my credit report IMMEDIATELY!!! 

If it is not removed and the harassment does not cease immediately I will have no alternative but to file a suit against this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: For sometime now, have made payments before which they state were never received, but have bank statements totaling over {$1000.00}, that I have repaid, they stated the invoice # that I had gotten from their employee were none existent, plus when I have put my loans on forburance they continue to call my harrass my co-signer, we were also miss lead about our private loan, did not know that it would be a never ending story, was ahead on payments, they kept changing my due date, how I ended behind?, then was unaware that my payments do not even make a dent on my my private loan, I am currently  XXXX  w/a   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   had a  XXXX  that   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , even after  XXXX  am   XXXX    XXXX , I have  XXXX ,  XXXX   XXXX   XXXX , constant   XXXX   XXXX  , a   XXXX   XXXX   XXXX   XXXX   XXXX   in my   XXXX   XXXX   XXXX  , I also have  XXXX  of my   XXXX   XXXX   that   XXXX   XXXX    on me @  inconvient times, I  have told the to send me paper work due to my  XXXX , they kept giving me the run around  &  wanted to have a friend who has been helping me for a while to make the payments, my co-signer also has been harassed even when I asked them not to call him during his difficult time when his wife was ill with a  XXXX   XXXX , it has been a long horrific experience, I finally got fed up & had to make a complaint, I had asked them before to look into the $ that they stated I had not paid, but had bank records of & they just kept giving me the run around as well, ...

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with Argon Credit (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Loan agency would usually take out money from my account on a monthly basis. A few months later the automatic payments stopped coming through, and I checked with my credit reporting bureau to confirm the debt was paid. Shortly after, I started receiving phone calls from Argon Credit mentioning my account was behind. I asked for a letter describing the payments, in which I never received. I received an e-mail that was worded incorrectly, nor had a name of an individual. I advised them that the credit reporting bureau had confirmed the account was settled ; the individual mentioned I had owed them XXXX. I once again asked for a letter to be mailed to me proving I owed this amount, in which I never received a letter. A few months later, I have received harassing e-mails stating I owe nearly XXXX. 

Originally after I stopped having the automated payments come out from my bank account, I wanted the loan provider to send me a letter confirming payments were complete, but I was forced to leave several voice mails and did not receive a call back. I was also asked to provide proof that these payments came out, in which I provided to the loan office, and after providing it to them they claim to have never received such documents. 

I have also contacted the Better Business Bureau, in which they were not able to obtain a resolution, but this agency has an F rating for their business.

Company response to consumer: Untimely response
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Was offered a American Express ( Delta SkyMiles ) promotion that promised a bonus of XXXX miles when {$1000.00} was purchased on the card within the first 3 months. The conditions were met but the bonus has not yet been received and I being told it could take 2 or more billing cycles to remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is due to the equifax security breech. This company needs to be held accountable for this breech as it has the potential to ruin thousands of XXXX lives. There needs to be serious discussion about the regulation of these companies. I find it absolutely ridiculous that we the public, have to pay to freeze our credit due to the ineptitude of these companies. This service should be free of charge, even more so now that our information has been jeopardized. XXXX 's website seemed to be pushing a product, instead of informing the customer that a security freeze was in their best interest. They are preying on ingnorance and this is unacceptable. I 'm sure you will get more complaints such as this, and I hope you listen. There needs to be a change with how these companies are delt with.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: School : XXXX UniversityLocation : XXXX, XXXX took out my first loan in XX/XX/XXXX to pay for college when my parents fell on hard times. The loan is with Chase for {$11000.00} and has accumulated over {$8800.00} in interested since the beginning of my loan. I have paid over {$2800.00} on the loan but it continues to increase as payments have little impact on the principal of the loan. I began contacting Chase in XX/XX/XXXX regarding issues with payment application and was told multiple times that payments are only applied to interest. By end of XX/XX/XXXX, I had paid interest down to less than {$300.00}. Since then over {$6000.00} has accumulated in less than 4 years. I have since contacted Chase on over XXXX occasions. 
The various changing statements and loan notices have been confusing and difficult to understand often missing information regarding the accumulating interest. XXXX of the major issues is the fluctuation in interest charged each month. I have been told interest incurs about {$5.00} a day and can change each month resulting in variation in monthly interest. Therefore, Chase is unable to give me a calculated amount of interest for each month. I have also been told my interest rate changes quarterly, however documents reflect no changes in my interest rate each quarter. I have requested a breakdown of monthly interest charged to my loan since the begin specifically searching for an explanation in interest growth over the last 3 years. This request has either been denied, ignored or responded with copies of statements for the last 6 months. I have requested an amortized schedule and was immediately denied. I was told this information would be available through my online account, but the online account only supplies access to most recent statements. 
Because Chase no longer provides student loans I was informed I can not refinance my loan with Chase. I am also unable to refinance this loan with my bank due to my student loan being drastically greater than my income. I have offered to settle on XXXX different occasions, however I have not received responses for my request. 
I am struggling to pay my student debt and will eventually be unable to pay this loan at the rate it is increasing. I recently received a notice that my loan will be transfer to XXXX in XXXX.

Company response to consumer: Closed with explanation