milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been attempting to work with Navient in efforts to reduce my student loan payments for over two years. My husband lost his job and I can no longer afford the payments as they stand. Every time I speak to them they say I am ineligible to for Income Based Repayment. My husband made XXXX a year and we took a tremendous hit when his business went under in XXXX. We have been trying to recover since, but these student loan payments ( due to the constantly rising variable rates ) are insane. I owe thousands more than I originally took and have paid consistently since XXXX. And with the company unwilling to work with me, we 're barely getting by. I had to take out a pension loan just to pay them. Nobody explained to me what I was getting into going to college. The debt is affecting every aspect of my life. I regret the attempt to better myself.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Medical debt) with Debt Recovery Solutions of Ohio, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called my employer without my permission. 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 07/20/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I contracted with XXXX in XXXX for mortgage for 30 yrs, in XXXX XXXX, they sold my loan to freedom mortgage in SC. freedom contacted me and told me that I need flood insurance. my contract with XXXX included a flood certificate which said I am not in a flood zone. freedom will not accept this document so I have spend weeks trying to get this resolved. 
they will add flood insurance 45 days from first letter if I do n't get flood insurance and I feel totally XXXX. I did not ask for an ; y of this and have a perfectly good document. I want to file claims against XXXX companies.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to  XXXX   XXXX  for " incorrect name '' on personal information. My name is  XXXX   XXXX   XXXX . My maiden name is  XXXX   XXXX . I have no middle initial. My email address is  XXXX  XXXX  XXXX .     Thank you,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company. You have 3 accounts that are both in dispute because they are not mine and I am demanding verification and validation of debt. PROVE THIS IS MINE. The balances are XXXX XXXX and XXXX. You are reporting the same balance under a different name on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Capital Accounts, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in full - continuing to report on Credit Report under collection agency with an open date of XX/XX/2014 -- I did n't even live in the state of NY in XX/XX/2014 nowhere near this doctor. Reporting for {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bilateral Credit Corp, LLC (NC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX XXXX at Bilateral Credit is contacting me and my family after I have sent a cease and desist letter. He is using tactics such as 'spoofing ' his phone number. Rather than showing his real phone number or a 'restricted ' phone number, he is using software to make it seem like the XXXX , XXXX, or even XXXX office is calling. He is trying to harass my family with these tactics.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/XXXX I received Targeted Promition from Citi Advantage Platinum Select Credit card. It offered XXXX miles after spending {$3000.00} in 3 month as a benefit. When I received card and all the paper along with it I couldnt find the XXXX miles benefit on it. On XXXX XXXX I called customer service and raised concern. Ive been assured that I am eligible for this benefit. After spending {$3900.00} and not seeing the miles, I called customer service again and been told that because I have closed another credit card within 24 months, I am not eligible for the XXXX miles. How this Targeted Promotion was sent to me if I wasnt eligible? Citi got two sets of materials that they sending to the customers : one with full benefits and another for duped people with the short benefits. There was nothing in the application disclosing eligibility requirements. Citi is in violation of the Truth in Lending Act and should stop deceiving practices.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Experian continues to report an inaccurate bankruptcy on my file. They told me that the information was verified XXXX XXXX XXXX on XXXX XXXX which I find hard to believe because I have a letter dated XXXX XXXX from the XXXX XXXX vendor XXXX XXXX that my file is not accessible. This was done because the state of California filed a lien in error and later had it removed from my reports, but it remained in XXXX XXXX so I was getting mailers from attorney offices and scam calls from companies saying I needed to pay the debt to them. This bankruptcy is inaccurate and not verified.

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 01/18/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I have been customer of CapitalOne 360 since XXXX. I was maintaining a checking account but not using for while. On XXXX XXXX XXXX my friend added me as joint account owner on his checking account and now I have XXXX checking account. But Capital One restricted my both accounts immediately and we do n't have access to the fund. Since it it online bank we made calls to to lift the restrictions but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On  XXXX   XXXX ,  2017  - I received notice from  XXXX  that  my IBR re newal had been processed ( based on the IRS online tool I use every year ) and that I owed {$0.00} a month, despite my income increasing by 30 %. I called them and apparently the IRS had reported my taxable income as  XXXX . They forwarded me paperwork immediately and I faxed it to them on  XXXX   XXXX . It was processed on  XXXX   XXXX , correctly, e xactly two  weeks later. My experience with them was simple and excellent.     I also faxed my informatio n to Navient t hat same day,  XXXX   XXXX ,  2017 , as I assumed the same thing happened with them. I called them and they confirmed that they had recieved my paperwork and were processing it. On  XXXX   XXXX     2017  I recieved a notice that my new payments for the year were again  XXXX . I contacted them via chat and they claimed they never received my faxed paperwork, but if I uploaded it today it would be processed wit hin 5-10 minutes. I called 20 minutes after uploading my information and they claimed they had received it, but that it would take more than 2 weeks to   process.     I am deeply concerned that this will affect my Forgiveness program or set me up for legal action later taking the blame for a mistake th  at Navient made. Given the recent lawsuit, this sounds pretty typical on their behalf. I 'm also concerned that this has happened to other borrowers who submitted their paperwork and simply relieved at the lower payments, and never thought to check further, putting their trust in Navient.
I still do not have my problem resolved, so I wanted a record of the situation submitted to the government.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Update to Case number :  XXXX   Citibank  did not close my account when I requested it in writing and has reported false information that I am disputing my balance. I have attached all my communication with  XXXX   XXXX   XXXX  that was not sent to you since her letter dated  XXXX . It was convenient and shady that all this communication occurred after the case was closed. I do NOT want to deal with  XXXX   XXXX  again. Her involvement was a waste of my time and did not resolve my formal grievance.

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 08/22/2016 about Mortgage (Other mortgage) with AMERISAVE MORTGAGE CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Why I can get to refi my home I have over 35 % equity and income to qualify, because I am XXXX and XXXX years old, On XXXX XXXX, 2016 I submitted my application to refinance my home, I received email from XXXX XXXX ( XXXX ) she will be my loan Originator ( NMLS XXXX ) after lucking the interest rate at 3.625 % that it will expired XXXX/XXXX/2016 ( 60 days from lucking date ) and submitting all required document including the appraisal fee of {$490.00} and WAS ORDERED ON XXXX/XXXX/2016 and it will be return after loan is funded, flood certificate, linear Borrower Authorization ( XXXX/XXXX/16 ), Title was ordered on XXXX/XXXX/16, on XXXX/XXXX/16 after talking XXXX XXXX and getting an email that " my application is completed and waiting for processing about 10-12 business day away for processing '', on XXXX/XXXX/16 emailed from XXXX XXXX ( XXXX said XXXX moving into different role and XXXX taking over, on XXXX, I asked XXXX if the loan is not funded by XXXX the interest rate locking will expired on XXXX she reply " we will extend it at no cost to you '' but my rate did expired and was not lock, on XXXX/XXXX/16, XXXX XXXX XXXX ( XXXX ) Processor NMLS XXXX, emailed me that " your file assigned to me for processing loan assigned ", on XXXX XXXX XXXX my bank statement and taxes again so I emailed her except my SSA income for my daughters that Can not be down loaded from social security administrator so I called social security and it will take few days to get them before I received them on XXXX/XXXX/16 I received email from AmeriSave that '' after reviewing your application we closed your file for incompleteness or we are unable to approve your loan '' so emailed XXXX and she emailed me on XXXX/XXXX/2016, " I am not sure why you receive a decline notice by email today, I am looking into the issue right now, I told the processor I was still waiting on additional income from you BUT THE LOAN SHOULD NOT HAVE BEEN DECLINED and I apologize for confusion '' and XXXX I received email that we receive you appraisal that appraiser ( XXXX XXXX ) sent on XXXX/XXXX/2016, then on XXXX/XXXX/2016 I received another email that my application was closed according to XXXX, " creditor must notify applicant of their lending decision WITHIN 30 DAYS OF FILING OF A COMPLETE application and can not be discriminated of their age '', XXXX/XXXX/16 I filed my application I do n't think they even look at my application until XXXX and AmeriSave wasted 3 months and {$490.00} and emailing me that my application is incomplete, please login to my file at AmeriSave, user ID is XXXX and password is XXXX I need my {$490.00} back because no lender accept the appraisal I was submitted and if the interest rate is higher 3.625 % they must pay the discount point and processor need to be audit it the review is very bad too. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I have a loan that meets the requirements for a HARP refinance and Wells Fargo currently holds that loan. I have attempted over the past year to process a HARP refinance however Wells Fargo keeps coming up with different reasons why they can not process it. The first was that there were lates on my account and after many many many phone calls to resolve the fact that I had no lates I was told that was not the reason and that the reason is now because I have lender paid mortgage insurance. Under the HARP program a refinance with Lender Paid Mortgage Insurance is allowable and Well Fargo stated that as well but say they wont do the refinance because of it. For a program meaning HARP that is supposed to simplify the process for eligible borrowers Wells Fargo has made this a miserable impossible experience.

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 05-05-2017 about Checking or savings account (Checking account) with U.S. BANCORP (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I recently opened an account a t US  Bank in  XXXX . I deposited a PAYROLL check for over {$900.00} at an ATM machine at a branch today the   XX/XX/XXXX , 2017.      My name is  XXXX   XXXX  The machine told me that my available funds were somewhere just over {$100.00} and that the rest would be available soon. I went and started to spend money on small things I needed for my night/week that were well under the allotted {$100.00}.     Eventually, later in the day, my debit card was  DECLINED  as I tried to buy dinner at a  XXXX   XXXX  in  XXXX . Further investigation showed that my account was now OVERDRAWN by over {$100.00}. Mystified, I calle d US Bank and th ey told me that a hold had been put on the check. I complained, over the phone to the completely resource-less bankers a t US Bank 's  Customer Service Department, that the check was a PAYROLL check and that I needed the money to survive for the next week. They informed me that the hold would be fo r 5 busi ness days which means I will have no access to my own money, from a PAYROLL check, for over a week.     This is unacceptable as I need basic things like food and transportation with my check ( I have never had to wait this long for a paycheck to clear in my life, nor have I ever had a hol d put on one  retroactively after I had already been given a small advance ).

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 04/27/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I previously filed a complaint, Case number : XXXX, and disputed the response from the Mortgage holder, but I do not see it on the record. 
Two things : 1. It is true that SPS has now offered me mortgage assistance and I am in a 3 month trial program, paying about {$1300.00} a month. I am glad to be offered the option to stay in my home, but the information I provided to SPS shows my income, from a part-time job because I have not been able to find full-time employment, is about {$1600.00}. A bit unrealistic to offer me an option that leaves me nothing on which to live. 
2. The response from SPS about why my mortgage is so high, higher than the purchase price, after more than 20 years remains unanswered. It was stated that I purchased the home in XXXX for {$180000.00}. Incorrect. The property was purchased in XXXX for {$140000.00}. I 'd like to an answer. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
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: I placed an order with an online merchant, XXXX XXXX ( XXXX ), through their website on XXXX XXXX, 2016. The merchant immediately charged my credit card in the amount of {$2100.00}. I have not received any good or services from the merchant, nor have I been contacted by them. I have attempted to contact the merchant via phone and email to inquire about the transaction and have not received any response. I have also contacted my credit card company, Chase Bank, and they refuse to dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I am requesting the following hard Inquiries to be removed as I have not authorized any of these companies to pull credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having?

Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX Mastercard and XXXX XXXXXXXX XXXX XXXX New Jersey which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my XXXX score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about?

XXXX, XXXX and Equifax Step 5 : Who are the people involved?

All the major credit bureaus of which I have filed a dispute with all three

Company response to consumer: Closed with explanation