milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received a letter from Navient about my renewing my repayment options in XX/XX/XXXX and decided to log in into my studentloans.gov account to view my documents. 
and there are multiple errors on my consolidated loan application. 

I dealt with previous scammed third party loan servicers : XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX, XXXX XXXX XXXX based in CA XX/XX/XXXX- XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX -XX/XX/XXXX. 
I paid {$390.00} each since I was n't full steadily and full-time. 
The third party loan servicing companies " promised '' to lower my student amounts ; however, I have n't received a call or correspondence to send them monthly payments thereafter once I paid the initial fees so I am left in the dark about my payment status. 

XXXX XXXX XXXX reported their XXXX XXXX office as my permanent address and listed my second contact person incorrect address in XXXX, PA. 
INCORRECT!!! 
I even saw the XXXX XXXX CA address listed on my 3 credit report agencies I disputed. 
I listed the second contact person since I rented a room at a house located in XXXX, NY. 

I am perplexed still about the erroneous information on my loan application at studentloans.gov and have been reading about the negativity of Navient especially the lawsuits this year. 

I even received harassing calls about my account is flagged for loan forgiveness programs I am starting to believe there are scams. 

What is the status of Navient? 
How can I begin a new year with a full-time at a union organization wasting money at a loan servicing company facing lawsuits? 

I ACKNOWLEDGE THE FACT I OWE STUDENT LOANS BUT HOW AND WHEN CAN I EVER REBUILD TRUST WITH THE US DEPT OF EDUCATION?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I looked on Equifax website to discover I was probably affected by Security Breach in 2017. Trying to reassure myself Equifax might be worthy of protecting me with its free offer I read as much as I could about the offer. I called the number offered for learning about insurance offered as part of XXXX XXXX credit monitoring product. Unable to get any information about the insurance product offered : what it actually does cover.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello I am a XXXX veteran XXXX. I recently applied for income repayment and was denied because my only source of income is the XXXX. I have not worked since I left the military. According to the rules, I will not qualify for loan forgiveness because i am not XXXX.i have reached out to my doctor to sign the paperwork for me but va doctors are not easy accessible. i have this debt and no way to pay it and no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian would not delete wrong personal information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (MD).
Issue: Fees

Complaint: The Western Union Netspend card is only XXXX of XXXX prepaid cards I use to pay bills and receive deposits. This year I decided to apply my tax return ( both STATE & FEDERAL ) not knowing the amount of hidden fees that was attached to this card. I learned there is a {$720.00} daily ATM limit, however ; there is a cut off of $ XXXX {$300.00} per ATM withdrawal. Each ATM withdrawal has a {$2.00} fee attached. There is not option to increase your limit to illuminate the fees. I signed up for a monthly plan fee thinking it would save money but the card makes the money back once I make a withdrawal. I have attached a spreadsheet of the fees since XXXX ( {$290.00} ). 
If statements are needed I will be more than happy to fax them to you. These cards are only a setup to KEEP struggling consumers in a hole that is ALREADY TOO BIG!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: Chase Bank refused to honor the stop payment request that I made with regards to this transaction for {$660.00} and my bank is giving a control of my bank checking account to the merchant XXXX XXXX XXXX. XXXX attached documentations from Chase Bank and XXXX XXXX XXXX. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with MCLEAN MORTGAGE CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: I recently applied for a mortgage with Mclean Mortgage Corporation. Although still married, I was fully qualified for the loan on my own and provided them with all information required for settlement. I was scheduled to close on the property on XXXX XXXX and on XXXX XXXX I was told by the mortgage company that unless I provided the underwriter with a detailed statement outlining the status of my marital situation and a signed statement saying that neither of us would seek child support or alimony in the event of a formal separation agreement or XXXX they would not approve my loan. My husband only XXXX month secured his own mortgage through another mortgage company ( same salary, same assets and same access to joint accounts ) was not required to provide the level of documentation I was nor was he required to provide a similar statement regarding alimony or child support. I did not feel their ask was fair or relevant to my qualifying the loan. Needless to say, I had to sign a letter, along with my husband, stating what they asked in order to close on the property on XXXX 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 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax failed to protect my identity

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: when the economy folded my business failed as well as a XXXX my money was cut XXXX percent. then marital problemsI was transferred to Boa from Countrywide Mortgage and has had problems every since, feel back on my mortgage with bank of america missing XXXX payment on a modification with countrywide, I had just buried my mom and was a few days behind because of the stress that I had to take on, I have worked with approved and other housing counseling companies trying to obtain a Boa modification. At first, boa policies were you could only apply every 24 months then about 2 years ago the policy changed. I was denied a modification because I did not make enough money to prove my financials being self employed, of course 2 years had passed.After having numerous account managers who never submitted my docs to the new one in charge, I always had to submit new docs.. this has gone on for years ... now I have XXXX housing counsel and we have been submitting docs. this time I have to submit the same docs again ... .7 or 8 months ago ... .I was XXXX percent away from in housing modification ... .I started making XXXX more per pay period and we submitted documents again, and we are still having to submit the same package again today. the process of the foreclosure has ruined my credit. each time I filed bankrupt was due to bank of america mortgage, each time I get started a new rep ...

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 03/22/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NY).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: ALLY auto financial repossessed my car on XX/XX/18. they did not follow consumer protection laws, motor vehicle laws, and disregarded my protection under the civil service member relief act. local New York attorney generals office has been notified and is in the process of contacting ALLY. The NYS DMV is investigating this as well. ALLY did not provide any documentation prior to after the repossession to myself or at a minimum the DMV.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I talked to a CSR around XX/XX/2017 about spreading my payment out over a year because I needed to do major repair on my car and the rep and I kinda went back and forth about how to handle making the payment I wanted to be sure that I won't be reported late and she did let me know it wasnt in the contract to do that what she could do is allow me to spread the payment but what she didnt warn me of that my payment would be reported late every month until I paid all the money I owed, so 4 months later and I'm still being reported late. I made the last payment on XX/XX/XXXX that made me current on all payments and then on XX/XX/XXXX I received a notice from TransUnion saying I was 30 days late again I really need this to be resolved I'm also in the process of buying a home so your help is greatly needed and I have proof of all payments and, I also need to make it clear that up until this time I've never missed a payment and if I had known that it would be reported late I would have agreed to this atrocity.

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is not responding to any of requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was notified this morning by XXXX which I am subscribed there was a credit alert posted on XXXX/XXXX/16. I logged in to XXXX XXXX XXXX XXXX had pulled a copy of my credit report as result of loan or credit application - see below : Inquiry - XXXX XXXX XXXX, 2016 XXXX obtained a copy of your TRANSUNION Credit Report. 
Alert Type : New Inquiry Found On : XXXX XXXX, 2016 New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, 2016 Source TRANSUNION Phone ( XXXX ) XXXX Address XXXX XXXX XXXX, MD XXXX Activity Company XXXX I never applied for a credit or loan with this company and need to find out how this can be removed as they were not authorized to obtain 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 explanation
Consumer complaint received 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have written three letters to each of the reporting credit bureaus requesting any and all documentation bearing my signature of a Bankruptcy reporting under my social security number. I also requested the name, address and telephone number of each person they contacted regarding this alleged claim. In each of their responses they have stated that the information has been verified yet no proof has been provided to me. Bankruptcy Courts, Federal Courts, and any clerks office associated with either of those do NOT report to any credit bureaus. Not only have they not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ) they have also violated the Fair Credit Reporting Act action 623 ( a ) ( 3 ) in which they are now liable for my damages of up to {$1000.00} per occurrence. This is my last goodwill attempt at resolving this matter before I file a small claims suit in the amount of {$5000.00} for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud, and 3 ) Violation of the Fair Credit Reporting Act against each credit reporting agency.

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 04/16/2015 about Credit card () with TD BANK US HOLDING COMPANY (TN).
Issue: Credit determination

Complaint: On my credit report there is an account ( Target ) that is not my mine. It belongs to a my x-wife not me. I have been divorced from her for six years. When we separated and she moved to XXXX. put in for a card under her name. I have never had such a card. I ask her four years ago to payoff that card or transfer the balance to other cards, she has not. The company says its in a joint card. The only card she got was in her name only. I need some XXXX to correct the mistake and put the card under her credit report and take it off mine. When I got the Devoice, I paid off the cards the judge requested and that she was to pay off. Please correct this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My account is with Navient. On their website they say that you can use what they call " special instructions '' for extra payments so that your extra can go directly to your principle. I asked them to please do this on a specific XXXX of the XXXX loans. Their response to me was essentially " your extra payment goes first towards your unpaid interest. This seems fishy and bad practice!

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: These are the only 2 places I have lived in the past 13 years.
XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX.

Therefore I could not have been at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXXXXXX
Placed for Collection:
XXXX 
COLLECTION AGENCY/ATTORNEY
Balance: XXXX
Date Updated:
XXXX Original Amount:
XXXX Original Creditor:
XXXX XXXX (Rental/Leasing)
Past Due:
>XXXX<
Pay Status:
>In Collection<
 
Also I have never done business with XXXX XXXX. 
I was not in the state when this was filed.

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 04/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: CitiMortgage is sending harassing debt collection notices for a loan that was closed in 2013. In 2013 CitiMortgage agreed to a deed in lieu settlement for a loan. The agreement was finalized, agreed by both CitiMortgage 's attorneys and our attorney, and recorded in the Register of Deeds in XXXX County, NC ( where the property is located ). This closing documentation was signed by appropriate representatives from CitiMortgage. The deed in lieu contained wording that no further fees would be sought for collection upon closure. CitiMortgage then placed the property for sale. We believe CitiMortgage is pursuing us for debt/penalties incurred by them from XXXX, due to an error or oversight on their behalf that was brought to their attention by XXXX. We do not believe we should be responsible for this debt as all documentation and title were appropriate and clear at time of closure in 2013.

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 08/18/2017 about Debt collection (Auto debt) with World Omni Financial Corp. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have had 8 calls in two hours

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2016 about Debt collection (I do not know) with Jvs group (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company never addressed why they violated the Fair Credit Reporting Act nor the Fair Debt Collection Practices act. After violating the law, now I know who the original creditor finally is and at NO POINT did the original creditor ever speak to me by phone nor did I ever state I would write and send them a cease and desist letter at anytime. This is a fabricated lie to protect the facts of which they violated the law. Again, knowing now who this original creditor is, they communicated by email and are attached. 

NO mail of anykind was EVER received from them. As of XXXX, XXXX, we relocated back to Florida and since relocated back to Texas as of XXXX XXXX, XXXX. If they were running their business correctly, instead of adding frivolous small collections to unsuspecting people, they should have seen where I lived and actually contact me and they would have seen that the issue was address back in XXXX. 

Additionally, when any company or individual starts with " XXXX Based '' or starts adding religion to their explanations, this is for one irrelevant and usually are trying to justify their illegal acts. 

Lastly, look at the attached emails, those are the only communications from them in any capacity and again they are getting their clients confused as it lists a home on sutton place that is not even mine! 

They are a complete disaster. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had my account with Citibank for about two years. I had slipped up where I would fall behind and had to put my account back to positive status. Today I tried using my card at several different places, and all transactions declined. I, had a loan for about {$1700.00} to be sent to my account, it was sent on Thursday and I receive the funds the Friday morning. My account before the deposit was never in a negative balance. I used it XXXX when I deposited {$3.00}. Now today, I spoke with a rep on the phone, and a supervisor, they could n't tell me a legitimate answer to why my account was blocked. All they tried to say was that I overdrew last year, irrelevant and that I have n't use the account in a month or two, also irrelevant. So they told me to visit a branch, which I ca n't because I work tomorrow and that I can not make it. They never explained a relevant reason why I needed to go to a branch to fix my account. People use the bank to trust them that everything will go right, why would you block my account without notifying me of any wrongdoings.

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