milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Confused as to why my loan keeps getting larger. I consolidated my loans and have been paying them regularly since XX/XX/XXXX ( prior I was in a forbearance ) I have paid a total of {$26000.00} since XX/XX/XXXX and a majority of this has been applied to interest only.
loan 0-01 : current balance is {$27000.00}, original amount owed was {$23000.00} and states I will pay a total of {$61000.00} at the end of loan.
loan 0-02 : current balance is {$18000.00}, original amount owed was {$16000.00} and will pay a total of {$42000.00} at the end of the loan.
It is stating I still have a balance of {$46000.00} My statements also show late fees applied on months I paid.
I believe they have lied/cheated or manipulated my loan. It also states my payoff wont be until XX/XX/XXXX. I have been paying extra each month to pay this down. Paying this much in interest is completely ridiculous and I ask for help.
I have an interest rate of 7.875 % and do n't know how this is calculated because how fast my loans have ballooned.
When I calculate my remaining payments it shows for loan 1-01, {$260.00} x 227 months starting XX/XX/XXXX and 1 payment XX/XX/XXXX{$250.00} for loan 1-02, {$180.00} x 227 months and 1 payment XX/XX/XXXX {$170.00} This would have me paying a total of {$100000.00} from XX/XX/XXXX-XX/XX/XXXX as my statement indicates.
How they can say I have a balance of {$46000.00} but when calculated it is {$100000.00} I do not understand and feel I am being ripped off. with the amount I have paid and what they say I will be paying, it is in the area of over {$120000.00} for a loan that was originally {$39000.00} ... I would be paying {$100000.00} in interest?! please help me

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A judgement is listed on my profile although it should not be as it was included in my bankruptcy. This is only incorrectly reflected on equifax and I have repeatedly disputed the matter with them and they contact the court as opposed to the creditor. I 'm not certain why it 's only incorrect on this profile but nothing is being done to resolve the issue. I was referred to the court which indicated they do n't report and the creditors indicated they do n't report as they received the bankruptcy information. At XXXX point it was reported correctly but as of XXXX 2016 I have not been able to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (NH).
Issue: Credit decision / Underwriting

Complaint: I received a letter stating that my property was near to or possibly impacted by a Presidential Major Disaster Declaration. That is not true. I called to register my dismay at this vaguely threatening letter and request they update their data. The C/S Rep said he was unable to help me and would transfer me to a department who could. I then ended up in their automated telephone system, not to a person. I am very uncomfortable with my mortgage servicer implying I have disaster related damage to my home when it is not true. ( Please note, none of your mortgage process categories below apply to this situation. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (FHA mortgage) with MB FINANCIAL, INC. (IN).
Issue: Trouble during payment process

Complaint: This is the second time that I have submitted an online payment through XXXX XXXX XXXX 's online web servicing and it has not been processed properly. Each time, I enter the system, enter my payment information using a check and am given confirmation that my payment has been submitted and processed. This confirmation is given through verification of information, a confirmation number at the end of the submission, and a paper letter in the mail notifying of the payment processing. In this case, I submitted my payment for XX/XX/XXXX and received all of the above. I went into the system to make my XX/XX/XXXX payment and was notified that my mortgage was 30+ days late. When looking at my loan history, it shows that the payment I made was reversed three days after my  submission, however, I was neither notified by phone, email, or the system. When I called, they told me that I " must have made an error '' entering my information. When asked how it would take my payment information if it was inaccurate I got no response. When asked how and why I got confirmation numbers, they could not respond. This is the SECOND time that this has happened to me -- the first time they gave me a " grace '' and removed the late payment. Their customer service is well below par and service employees continue to " pass the buck '' and say that there is nothing they can do. I 'm frustrated that I can not trust the process that I 'm supposed to use to make payments and know that I am not the only person they are blaming a poor payment processing system on by charging late fees and negative credit reporting. This is not a way to protect customers who are trying to make their payments on-time -- taking several days to " reverse '' payments without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Credit card protection / Debt protection

Complaint: Capital One mislead me and had me under the assumption that my account was protected under their payment protection plan if I ever became unemployed and could not make my payments. I was unemployed and could not make my payments for three consecutive months. I was never notified by Capital One that the payment protection plan was no longer existent.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After noticing a medical collection debt that I did not recognize reporting to the credit bureaus, I disputed it through equifax on XXXX XXXX, 2016. On XXXX XXXX, 2016 it was returned as verified. On XXXX XXXX, 2016 I mailed a Texas Debt Validation letter requesting proper verification of the debt under the Texas Finance Code. I have not received any type of response verifying the validity of this debt, however Financial Control continues to report this debt to the credit bureaus blemishing my credit history. I have pasted the contents of the letter below : Financial Control Services XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX/XXXX/2016 via XXXX mail Re : # : XXXX To Whom It May Concern : I dispute the validity of and request verification/validation of this debt per Texas Finance Code. This letter is not to serve as acknowledgement of the debt, rather a request for further information. 

For the purpose of validation, please provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. XXXX ( a ) ( XXXX ) Texas XXXX bond information as required by Sec. XXXX Furthermore, I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ) Please reply with your response via XXXX Mail. 

Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : XXXX XXXX XXXX injunctive relief to prevent or restrain a violation of this chapter ; and XXXX XXXX XXXX actual damages sustained as a result of a violation of this chapter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made XX/XX/XXXX.

I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter.

Very Respectfully, 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 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MD).
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: XXXX/17 ATTN : I have evidence, ( see attached files. ) to believe CITI GROUP could possibly, have some discriminatory, practices CITI CARD., offers Free FICO SCORES ..to there Card Members, Over the past 3 months, the scores that they provided me over this time.have reflected, at least 35 Point Lower credit score, The key issue is I inquired with CITI, they stated the draw from XXXX.for member Scores However my other Financial Institutes ..relayed to me they Use the indentical Credit reporting Agency as CITI GROUP. ( XXXX ) Issue would be if all are getting same XXXX reports why would CITI GROUP 35 plus lower. If all Creditors I 'm am a Member of have express they are using XXXX to offer my score free monthly they should reflect the same score Those score represent.A Good vs a Excellent Borrower. 
I am of protected class. Over XXXX ..XXXX XXXX Female. An XXXX classification, If during investigation it can be shown a pattern .of discriminatory practice In reporting I would seek .Legal action referal in this matter, to include action if warranted Thank You for you attention XXXX 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 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
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: My issue involves two incidents with my Chase AARP XXXX card. I have that I had been charged twice {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX. When I contacted Chase in an attempt to resolve the issue I was told the conversation would be recorded. My response was that if Chase was recording the conversation I would be recording it too. Chase advise me that I was " not permitted to record and if I chose to they could not assist me ''. My response was that I did not want the conversation recorded if I could not record it too. After my requesting to speak with a supervisor I was told the conversation would not be recorded, my XXXX XXXX system indicated that Chase was recording. I spoke with the representative and ended up having to resolve the issue directly with XXXX XXXX XXXX. 

The second issue was on XX/XX/XXXX. I had stayed at the XXXX XXXX XXXX in XXXX and accidentally left an item. XXXX through XXXX found my item and agreed to ship it to me. XXXX had me go on line and complete the order, the time was XXXX XXXX Sun. XX/XX/XXXX. The charge was {$21.00}. Upon using my AARP Chase XXXX card the security code was rejected 3 times. I contacted XXXX and was advised to use another credit card. My other card went through immediately. I phoned Chase upon getting an email message at XXXX XXXX that a fraudulent charge may have been placed on my card. Again there was the issue of Chase insisting on recording the conversation and denying me permission to do the same. Chase told me the XXXX {$21.00} charge was pending on my account when I had a receipt that the charge was placed on one of my other credit cards. Chase sent an email at XXXX XXXX that my card had been cancelled and a new card would be issue upon my contacting them. This morning Monday, XX/XX/XXXX at XXXX XXXX I contacted Chase again had the recording conversation issue and was told the email was an error. I requested an email confirmation that my card was in good standing and have not received it. 

My main focus is that if Chase is recording the conversation I should have the right to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: called my news wifes cell phone number ( got married 2 months ago ) on a debit from 2004 ( credit card ). I did n't even know her then and this is the XXXX call to her in XXXX month. They should n't even have her phone number. The XXXX call she asked to have her number removed and not associated with this. and today they called again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I have contacted XXXX and Equifax as well as XXXX several times for incorrectly reporting a payment was late in XX/XX/XXXX. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XX/XX/XXXX. The company XXXX, claims they have sent XXXX and Equifax information to remove the late payment reporting for XX/XX/XXXX but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXX as this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Inquiries were deleted and reinserted with no prior notification that this would happen ... as well as asked for written validation and source of public record and NOTHING ... this is in violation of the FCRA and violates my rights

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 01/23/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (MD).
Issue: Problems when you are unable to pay

Complaint: Good Day, I am going through A horrific time with Westlake Financial Services. I finished my XXXX XXXX XXXX XXXX in XXXX in XXXX. I signed a loan with Westlake Financial from the dealership where I bought my XXXX Ford Thunderbird. I have been getting hassled ever since, Westlake Financial has recently repossessed my vehicle which I have struggled to go back and forth to work in recent days. For the past four years I have received harassing calls from them and although I have many late payments, I have come upon my final payment of {$780.00} finally! after the repossession, they tell me that I have a repo fee of {$350.00} plus {$30.00} for every day it is in reposession plus the final payment of {$780.00}!!! 
I believe I am seriously getting taken advantage of by this business. I have been paying them for four years. They do not take into consideration that I am a United States Armed Forces Member and I will fight to seek some form of litigation. Is there any further help I desperately need it. 

XXXX, XXXX XXXX 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 09/17/2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Billing disputes

Complaint: Synchrony XXXX for JC Penney Credit Card account XXXXXXXXXX ( XXXX ) and TJX XXXX XXXX XXXX XXXX and XXXX ) and XXXXXXXXXXXXXXXX SYNCB/BP ( XXXX ) reported to the XXXX credit reported to XXXX, and XXXX that I was 30 days late during various times in this loan. Payments have always been paid at the same time through my bank account. I reviewed several complaints through multiple sites about other consumers were having the same issue during this same time frame with Synchrony. I also believe there was a lawsuit against Synchrony from other consumers regarding this. It almost seems as though they had an internal problem, but pushed it on the consumer. I ask Synchrony to remove the 30 day late my above accounts on XXXX, and XXXX. As I believe this was an error on XXXX side. please remove the late notification from my report. I thank you in advance for your assistance and refund any additional interest that was charged to my accounts.

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 02-01-2017 about Credit reporting () with CREDIT BUREAU ASSOCIATES-NORTHEAST, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't know anything about it. it 's a identity theft, fraud ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The desert is Kohls department store I have made several attempts with them to make an arrangement and apparently the arrangement was not set and they are continuing really calling me morning noon and night to pay a {$300.00} credit card. I had told him I will pay it and they still continue to call me all day and all night the latest call I received with the XXXX at night. And I have tried blocking them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Billing disputes

Complaint: I purchased a refrigerator and a cooking range from XXXX in XXXX, AZ around XX/XX/XXXX which was charged on a Wells Fargo credit card issued through the retailer. The terms of the finance was Zero interest if full purchase amount was paid within 12 months of purchase which was XX/XX/XXXX ( " Expiration Date '' ). The total purchase price for both appliances was {$2700.00}. 
These appliances were purchased for my new house where I did n't move until XX/XX/XXXX. Due to the various activities involving the move and due to the issues with mail forwarding, I was behind in attending to my mail. As a result I did n't make the payment for the first two cycles on time but did pay them a few days later by phone along with late fees of about {$25.00} each time. I was told that my account is now current and as long as I made the full remaining balance on my account by the Expiration Date, I would no longer pay any interest. In order to ensure no more delays, I scheduled regular payments on my bank 's bill pay system so that payment gets sent each month on time and the full remaining balance is paid before the Expiration Date. Below is the schedule of all payments made : Date AmountXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXTotal Paid $ XXXXPurchase Amt. $ XXXXFees Paid $ ( XXXX ) Wells Fargo however kept carrying a balance of {$10.00} on my account and then charged me interest on it even after the last payment was made on XX/XX/XXXX. When I called them, they corrected the mistake but also closed my account and reported it to the Credit Bureaus as late payment for the month of XX/XX/XXXX. While I made the full payment of {$2700.00} before expiration date and paid them late fees for the first couple missed payments, they have taken the wrongful action of closing my account and making derogatory submission to the credit bureaus, when the underlying cause of this was **their mistake** of having left over fees on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I became injured and unable to perform my job 12 months ago and can not pay my private loan anymore. I have told Navient this repeatedly, and they are now harassing me, my mother, and mother in law with constant phone calls and letters. They will not stop. They have also hung up on me when I have returned their calls to state my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt in full over a week ago to Rash Curtis and they still continue to bombard my cell phone with calls from all over the U.S. They have not cleared the XXXX credit bureaus either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation