milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I 'm reaching out to you on behalf of my son who 's student loan this is, with Navient, formerly XXXX. He has been making his automatic payments all along since XX/XX/XXXX, which we needed your help with to set up. Complaint # XXXX if you want to look back at your records. The payments were set up to be paid with his credit card. Everything was going along fine. His last payment was made in XX/XX/XXXX. At that time Naveint changed their terms and no longer take credit cards to be set up as automatic form of payment, but we were never informed of this. Also at that time my son had been diagnosed with a debilitating medical situation and has not been able to work. He lost his job and still is unemployed and in therapy. We called Navient in XX/XX/XXXX to see if we could postpone payments until he is able to get back to normal life. We were told they can not do anything until the loans have fallen three months behind. That being said, since he now feels better, he called on Friday XX/XX/XXXX to try to work something out, since he received a letter that Navient will start litigation process. He was told that they could n't help in any way. He had a financial savvy friend with him who was speaking to Navient with my son. They finally said they would settle for {$110.00} per month for 8 months then {$150.00} for 3 months. He has no money and no income right now. He will in about three weeks. He asked for a postponement till XX/XX/XXXX.  They would not budge. They demanded his banking information and said that they will need a payment of the {$110.00} by XX/XX/XXXX. Given our past experience with them, my son and I do not trust them to have any sort of banking info. If you look at the previous complaint from XX/XX/XXXX you will see where they outright lied about an agreement they made then raised the monthly payment. When he asked to get this latest settlement in writing he was told that they will need to see the {$110.00} before they right up the details of the agreement and send to us. Who in their right mind would agree to that??!!! I believe it 's unethical. His sister who co-signed the loan with her brother way back when, is willing to send in one month payment but will not do so without a written agreement as proof. She has also received a notice for litigation. All we are asking for is proof that they will follow thru with what they say, and possibly postpone till XX/XX/XXXX. FYI litigation letter was written XX/XX/XXXX but not received till XX/XX/XXXX. My son is not always able to have access to a phone. Sometimes for several days at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Federal student loan) with Allied Interstate LLC (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Allied Interstate has called my place of employment and harassed people I work with while disclosing that I have undpaid debt to people I work with that is not myself.

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 08-04-2015 about Bank account or service (Checking account) with NETSPEND CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: ILLEGAL & CAPRICIOUS SEIZURE AND HOLDING OF CONSUMER FUNDS : Netspend Corporation ( XXXX ) has seized funds on our card and do to errors refuses to release the funds, allow us access to the account, allow us to make corrections on the account, or give us any possible way to get our money. The money was loaded into the account using XXXX XXXX 's re-load service. XXXX refuses to help. XXXX uses XXXX to reload cards. XXXX can not help us refund the money. 

DISCRIMINATION : It is discriminatory to hold our money without any way to release it, correct the situation, etc. Net spend claims it is because we changed our address and they are punishing us for having to move. 

NO SUPPORT ACCESS BY CONSUMERS : Netspend customer service NEVER answers phones any more as they did when I opened my account over 6 years ago. It is impossible to directly reach to company to gain access to our money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 03/27/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: Follow up on Office of Comptroller Currency Case # 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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: follow up to complaint number XXXX submitted XXXX/XXXX/XXXX TransUnion did not provide a responsive reply. The letter I sent to the company specifically stated " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 2 ), you are required by federal law to disclose the sources of information in a consumer credit file ... ..Pursuant to FCRA 609 ( a ) ( 2 ) : include the names and contact information of who you spoke to that verified the bankruptcy records ( furnisher of information ) and copies of documents they provided ''. 

Transunion has not provided the name of the person or persons spoken to nor the records used to verify. It is interesting how Transunion verified considering that I used the voice system to verify myself and the information is incorrect. Therefore I am very interested in knowing how Transunion lawfully verified BOTH bankruptcy public records since they are not verifiable and have incomplete and incorrect information. In which case they must be removed according to the laws previously cited. 

Therefore, because verification of the account can not be determined, the credit reporting agencies are obligated by law to delete in this case, an item, or entry, from all credit reports and 3rd party reporting agencies. The bankruptcies must be removed pursuant to Section 611 ( a ) ( 5 ) ( A ) ( i ).

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 10-03-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: When I was unable to pay the minimum amount due on my Citibank Credit card / Home Depot account due to losing my job, I called in effort to proactively make an arrangement until I was able to get another job. On the very next statement I received the minimum payment then due was {$600.00}, which was far more than what the original minimum payment. Citibank used the information given to them to place my account in debt collection for them to be able to write it off. I do n't understand how this is even legal. 

Needless to say I did everything I could to try and resolve the matter and went into debt collection with an agreement to pay {$45.00} per month until the debt has been paid in full. I do not receive any receipts or current balance or even monthly statements of the debt and this payment has been made now more than a year. I have no way of getting in contact with them and do n't know how I can find out what the remaining balance would be. How can I resolve this? I 've checked my credit score on XXXX and there is no information about the account even listed any longer. What can I do?

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 03-08-2018 about Debt collection (Other debt) with WELLS FARGO & COMPANY (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received call on XX/XX/XXXX re a direct deposit account they said I opened in XX/XX/XXXX. I did not receive direct deposit at that time. I was told my account had gone into default and they were taking me to court to collect over {$1200.00}, the original amount being around {$500.00}, and I would also be responsible for attorney fees and court costs. I was told that because it was a direct deposit account items had been paid against that account. However, I had no automatic bills to be paid at that time as I had lost my direct deposit job in XX/XX/XXXX due to the economic downturn. I have never received any notice of this debt in the past. I am astounded that I am getting a call threatening to take me to court unless I pay the money owed immediately without having received any prior notice. They said they are willing to work with XXXX XXXX to reduce the amount, but it must be paid in full immediately. I was also told that I would receive a 10 year judgement. My daughter was with me during the call and looked up the phone number they called from as well as the name of the company. She yelled into the phone that this was a scam and she was reporting them to the CFPB. The person on the other end immediately disconnected the call.

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 01/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: Capital One has engaged in false business practices, which constitutes fraud. 
They maintain that their APR is in line with their fellow competitors, but that is simply not the case. Their XXXX credit card rate is much higher than : XXXX, XXXX, and XXXX. 
Therefore I feel they are guilty of deceptive business practices and corporate greed. 
Also, I have been waiting for them to send me their version of a chip credit card, since XXXX of 2015. Why are they so neglectful in taking care of their aforementioned client?

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/2015 I voluntarily surrendered my vehicle in question to XXXX XXXX, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now XXXX XXXX and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called XXXX XXXX on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been enrolled back at XXXX XXXX University in the fall of XX/XX/XXXX. Recently, i have been harassed by Discover Student Loans for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Discover is now reporting to the credit bureaus that I am late. At this point, Discover needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They are collecting on a debt that was discharged though chapter XXXX bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The servicing of my loan ( XXXX XXXX ) was transferred from XXXX XXXX ( loan # XXXX ) to Loan Care Servicing ( loan # XXXX ) XX/XX/2016. I made my scheduled XX/XX/2016 payment to XXXX mortgage on time but my new servicer ( loan Care ) is not giving me credit, they claim the payment has not been forwarded as required. XXXX XXXX claims it was sent 2 business days after receiving my XX/XX/XXXX payment. I am now receiving threatening letters and loss mitigation threats to perform by Loan Care. I have contacted both companies and each has not helped, my credit is now in jeopardy even though I have made all payments on time. I am being coerced into making additional payments that are not due to avoid damaging my credit. A 30 day late mortgage payment would have lasting consequences to my credit and cause serious financial damage.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: THE NEWS HAS REPORTED THAT EQUIFAX INFO ON MORE THAN 140 MILLION PEOPLE WAS  COMPROMISED IN XXXX. DOES NOT EQUIFAX HAVE THE RESPONSIBILITY TO NOTIFY THOSE WHOSE INFO WAS COMPROMISED? WE SHOULD NOT HAVE TO SIGN AWAY OUR RIGHTS TO SUE OVER IDENTITY THEFT TO FIND OUT ( WHAT PEOPLE ARE REPORTING ON XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: I received a notification through email XXXX XXXX, 2016, stating XXXX charges had been applied to my account {$23.00} at XXXX in XXXX Oh and {$51.00} at XXXX ' in Delaware as I 'm at home with my card in hand. I immediately contacted the merchants to advise them of the charges while I 'm sitting at home with my card, I was advised to contact my financial institution to dispute the unauthorized transactions. After speaking with the merchants I immediately contacted my financial institution Rushcard to advise them of the charges and were not made by myself, that I have never been to XXXX anywhere let alone in XXXX when I reside in XXXX nor have been to XXXX Oh, I requested to cancel my card and issue another and requested a refund. I was advised that they would conduct an investigation and would be about 90 days before I would receive and answer. In the meantime, I was no longer receiving emails nor text alerts until I made a complaint with the XXXX I then began to receive emails and text alerts again. On today XXXX XXXX, 2016, I received a final determination letter from Rushcard stating no error had occurred and they will not refund the unauthorized charges and that I could request a COPY OF THE DOCUMENTS THAT THEY USED IN THEIR INVESTIGATION TO MAKE THEIR DETERMINATION. I contacted Rushcard immediately to request the documents, I was advised by a representative that there was no such document, I read the letter to the representative and asked to speak with a Supervisor or Manger of the dispute department, I was placed on hold, someone picked up then hung up. I called back and spoke with another representative named XXXX, I explained the nature of my call and again requested to speak with a Supervisor or manger, instead of getting Supervisor/manger the representative said she had someone from the help desk with her and will request the document they used to make their decision sent to my email in an hour. I 've received nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I went to XXXX like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do XXXX every 4 months like I had in the past. I went through bankruptcy in 2011 and have been rebuilding my credit since then -- this is the XXXX time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each XXXX, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the XXXX time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all XXXX bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have informed credit reporting agencies about my issue and waiting for the answer from them, Mean while I heard about CFPB and thought To file an complaint. I used in XXXX 2013 a company call freight center in XXXX to ship household items to XXXX, there was XXXX pallets, as per my knowledge weight was under XXXXlb on each pallet and paid in advance some of {$2800.00} to freight center, they over charged me as per the quote so I called them and they gave me credit for an amount {$85.00} same day. After 4 weeks from delivery of my house hold goods they are coming back with additional {$1000.00} for additional cost which I did not get it, there fore I refuse to pay them an hidden cost and know I see they have hired collection company called XXXX, is showing on my credit report, I am going to attached a proof of documents to prove the payment was maid thru credit card. There fore I request CFPB to investigate and help me to remove this negative item from my credit report, which is affecting me on my business and raised up my family. I am also attaching my credit report to show CFPB I have very good payment history, Thank you. 
SincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was contacted by a third party collection agency named " Coast Professional '' to make payments to my XXXX. They have taken XXXX out of my bank account for 7 months. I am now being told that I am at risk of defaulting. I have been unemployed since XXXX. When I called them to stop taking money out they gave me a website " mydebted.gov ''. When I called XXXX servicing back they said that is not the correct website. I am emailing coastal professional a ceases and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I made a previous claim with this company with Consumer Financial, and the company responded and sent a letter in the mail. The mail stated that they had to close my account to protect them. Here 's the problem. Before my account was closed, they blocked my access from logging into my account. I was still getting email notification, and was given a number to contact XXXX XXXX, but she never called back when a message was left. Recently I saw something in the mail that I owe them move because my account is overdraft, and if I do n't pay it by a certain time it will be sent to a collection agency. WHY CHARGE ME WITH AN OVERDRAFT AND FEES ASSOCIATED WHEN I COULD N'T LOGIN TO THE ACCOUNT BECAUSE I WAS BLOCKED FROM THE ACCOUNT, as per Fraud department. It would have been easier if I had access to my account, put money or went to the bank, rather than reporting to the consumer agencies that I overdraft my account, which had more than {$2000.00} in it when I had access to the account. This is fishy, and I will look for an attorney. This is cruelty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I have a vehicle loan with Westlake Financial Services which is Rate Loan of 27.60 % and a found at the Florida Office XXXX XXXX XXXX web pages that the higher interest in Florida is 18 %.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.

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