milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am on an IBR ( income based repayment ) plan with Navient. In XX/XX/2017 I received a one-time inheritance from my XXXX grandmother in the form of an IRA. Even though I clearly noted on the financial disclosure form that the money was a one-time inheritance, Navient calculated it as regular income and doubled my monthly payment even though my income went down. ( Navient acknowledged that I noted this on the form, but said that because I didn't check a certain box on my form, they ignored my note indicating that it was not income. ) Navient had asked for my financial information many months prior to the end of the year but then waited until a week before the new, incorrect, double payment was due before sending me notification that my payment would be doubling. ( Why would they sit on it for months, and then send the bill a few days before the payment was due? I think it was to encourage me to apply for a forbearance. ) When I called Navient to explain that I could not and would not make the double payment, the agent refused to reprocess my financial paperwork correctly and said that I would have to make the double payment and then reapply with new financial paperwork. I was pushed into applying for a forbearance over the phone by that Navient agent after explaining that I would not make a double payment because Navient made an error. After thinking about it, I sent Navient a letter asking them to NOT apply a forbearance to my account, telling them that I would be making my monthly payment in the proper amount and not the double payment they asked for and asking them to recalculate the proper payment amount in a timely manner. They applied the forbearance anyway and also sent me a letter informing me that because they had applied the forbearance over my objection I was losing my Consolidation Savings Benefit. I objected to this and sent Navient five unanswered letters asking them to address this and fix the problem they created. They have refused to do anything and just send me more form letters. I am now withholding my monthly payments from them to compel them to reply to me. They have at least started answering me now that I am withholding payment, but all they have done so far is tell me no and send me more form letters. I'm pretty frustrated and need some help please.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Transaction issue

Complaint: I had ordered an item online and the vendor did not deliver the merchandise. I contacted my credit card issuer and while initially, they credited back my account, two months later, they re-instated the charge, without checking with me. The vendor had never delivered any merchandise and appears to have gone out of business. I provided a written statement, email exchange and screen shot from vendor 's website showing that the order was still " pending '' 2 months later and I had advised Vendor to cancel my order 2 months earlier. Credit card issuer states that they will " look to re-open the case '', but have taken no action and received no communications in over a month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (I do not know) with Allied Interstate LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Rec 'd call XX/XX/XXXX, XXXX, from XXXX seeking XXXX XXXX . Caller said he represents Allied Interstate [ a collection agency ]. I have been getting these calls since XX/XX/XXXX and I 've told Allied Interstate since that I do n't know her ; that the number called has been reassigned and to cease calling and removed my number, but to no avail has this harassment stopped to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.

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 04/19/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on in   XXXX  . This debt is past the statue of limitations and o ver 7 years old. Equifax  did an investigation last year and did nothing. The original default date is incorrect, but it shows   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I called Chase to find out if I could move my due date. The guy I spoke with was very nice, he told me I could not change my due date but what he could do was set up payment arrangements to avoid that XXXX $ late fee. I owe XXXX $ a month and was paying {$1000.00} every month before the end of the month, it was just after the XXXX of the month causing me to have a XXXX $ late fee. I was n't too worried about the late fee, just did n't like being late due to the way my paychecks fell. He proposed that I not pay XXXX to give me time to save up the extra payment then for the next 6 months pay XXXX $ that would end up covering the missed payment in XXXX and my payments would not be due till the XXXX. That sounded great. I said sure. I received an agreement in the mail that said no need to respond to continue on about this payment plan just make the payments as follows. I did and I paid the XXXX $ on time like i was supposed to do. Come XXXX I received a certified letter in attempt to collect a debt from my past due payment for XXXX for Chase. I called and they said yes that is correct, although I had a payment arrangement they were still required to turn in I was past due for not making XXXX payment. I was really really upset! Had I known this would effect my credit I would have continued to pay the XXXX $ late fee. That was n't bothering me!! I paid up my mortgage to get out of this plan and so it would not be turned into the credit burrow anymore. I spoke with a representative who said he would look into this. He called me back and said unfortunately they can not do anything to fix what had been turned into the credit burrow, he could however send me a letter saying I am up to date. That does not fix my credit! That also does not matter to anyone trying to give me a loan! I have never missed a payment until I was told NOT to pay XXXX. There is no way to go back and change this now, I would have never agreed to this payment arrangement that would save me XXXX $ a month but ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Additional payments being made were applied to future interest payments not the principal. I made a {$460.00} payment on XXXX/XXXX/XXXX and then {$500.00} payment on XXXX/XXXX/XXXX and then {$500.00} on XXXX/XXXX/XXXX ( ive included payment history information for the last six months below ). When this was noticed I called Navient customer service and they said the interest was being applied " all wrong '' and promised to correct the issue and apply the extra payments I made to the principal. They were supposed to have it complete within 10 business days and mail a letter to confirm what action had been taken. No letter was sent. I called back on XXXX/XXXX/XXXX and they are trying to say the extra payments made went to interest because there were 31 days in that month not 30. Then they said that the 13 day lag in the payment ( XX/XX/XXXX payment made on XX/XX/XXXX ) caused an additional {$500.00} dollars in interest to accrue. We are making all the minimum payments and then some, and they are incorrectly applying payments and telling me {$500.00} dollars additional interest accrues in 13 days? I want them to fix the account and apply the additional payments to principle like I asked and like they said they would a month ago. 

Further, it is impossible to get a detailed printout or statement on the account from the website. We can not provide the special instructions on the website to apply extra money to the principal. I am trying to make payments to have this 25 year curse paid off in 5 and save money in interest. They are trying to take advantage of us for doing so and making it so they get the 25 years of interest in the 5 I 'm going to pay this off. 

Looking through the small print, it says in order for this not to happen we have to mail in a check with a letter each month specifying the action to take. How many people are making extra payments not knowing they are just paying Navient 's interest ahead of time instead of principal. This practice is stealing money from people. 



Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - {$150.00} - {$300.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$270.00} - {$190.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$330.00} - {$160.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$96.00} - {$370.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Mortgage debt) with Ditech Financial LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am a customer of Ditect Financial LLC and I have a mortgage loan with the company. I have been regularly paying off my monthly bill without any delay every month. And I have been doing this through a standing instruction through my bank. In the month of XX/XX/XXXX, my premium increased by {$28.00} from a monthly payment of {$1600.00} because of an annual rate change.

Since I had set the payment method as automatic, my bank sent them the old amount of {$1600.00} which was short by {$28.00} in XX/XX/XXXX. As soon as I realized the problem, I made the additional payment of {$28.00} within 30 days. However, when I received by bill dated XX/XX/XXXX, I was slapped with a late charge of {$82.00}.

I called Ditect to explain the situation and requested them to waive the late charge since I thought it was unfairly high and more so because I have not defaulted before and that too it was a genuine oversight which I corrected immediately. They refused to comply stating that the fee was justified. I requested to talk to the supervisor who also declined my request.

I am being asked to pay a fee of {$82.00} for a late payment of {$28.00} by about 15 days.

Ditech seems to be engaging in unscrupulous and unfair means of collecting additional fees from its customers. I would like the situation to be rectified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
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: Saturday,XX/XX/XXXX I called American Express Bluebird regarding fraudulent charges on my pre-paid card. The representative entered a dispute for the following charges : Transaction XXXX Amount {$8.00} TransactionDateXX/XX/XXXX Transaction atXXXX/BILL XXXX/BILL Amount {$36.00} TransactionDateXX/XX/XXXX Transaction atXXXX XXXX PMTS Amount {$21.00} TransactionDateXX/XX/XXXX Disputed Transaction Details : Transaction atXXXX*XXXX Amount {$15.00} TransactionDateXX/XX/XXXXDisputed Transaction Details : Transaction atXXXX*XXXX Amount {$24.00} TransactionDateXX/XX/XXXX There were other disputes however, the representative stated I would receive dispute forms to complete via the email address on file with American Express Bluebird and I would need to list all disputed charges and either fax or mail the forms back to American Express Bluebird for processing .
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The compromised card was cancelled and a replacement was issued- I expressed concern about my payroll direct deposit but, was reassured the payment would go onto the new card with no problems so, there was no need in changing anything with my employer.
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I have never received any dispute forms but, on Wednesday, XX/XX/XXXX, I did receive an email from American Expreas stating my disputes had been denied. Later, the same day, I received another email stating my account had been suspended. I am now unable to access the account online to view transactions or statements.
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I called American Express and was informed my disputes were denied because they determined the charges were valid and because of that my account was suspended. She also stated my direct deposit would be rejected and sent back to my employer because of the suspension. She denied my request for access to my transaction history as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I sent multiple letters to Experian in regards to updating my information. In the letters I have sent to Experian, I provided them with the required documentation to change the incorrect information, which was a copy of my drivers license. Still to date, they have not responded or updated the incorrect information on 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 12/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: On Tuesday, XX/XX/XXXX, I transferred close to XXXX coins of Bitcoin Cash valued at roughly {XXXX} from XXXX to my XXXX wallet. The transaction made it into the Coinbase wallet but never arrived into the XXXX wallet. 

On XXXX, it currently says it 's Pending and it will be released at whatever the current time and date it is when you observe it, however, the funds are n't available. 

When you look up the transaction, you 'll see that it was confirmed on the XXXX and spent on the XXXX meaning that the transaction was completed and that XXXX is now holding the funds. 

I 've been emailing and calling Coinbase support multiple times for the past seven days with no answer at all other than one template email with an FAQ page that does n't address my issue. I have not spoken to one real person and they are simply ignoring me and holding my money ransom. 

I sent over my funds to XXXX because I wanted to sell when each coin was XXXX XXXX+ but I was not able to so. Coinbase has made me lose potential profits because the coin has severely devalued since then and the whole market changed dramatically in the past week. In addition to losing potential profits, I lost actual currency I had invested because I was not able to sell all week. 

They wo n't even take the time to give me an explanation of what 's going on, if my money is safe, if I 'll get it back, when I might expect it, nothing at all. Not one word, not even a statement on their website that they are having issues and we can expect an update at some time. Highly unprofessional and it makes me severely worried entrusting my funds to them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My bank collects for taxes with my principal, interest and insurance payment every month. I added additional land to my property and the bank, Chase, stopped paying my property taxes without contacting me. I continue to pay my property taxes monthly to them and also had to go pay XXXX tax bills that they did NOT pay. I contacted Chase Bank on XXXX and spoke with a supervisor. I told her my issue and she said she would be sending me a letter within two weeks letting me know what they will be doing. Today is 30 days and I have heard NOTHING from them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (IN).
Issue: Struggling to pay mortgage

Complaint: XXXX year ago I submitted a complaint and at the time US Bank claimed to have resolved this issue and sent me a letter saying that it has been resolved. This month I received a letter saying that the same issue has continued to happen. Please see case number : XXXX. 

I originally had a loan with XXXX XXXX Mortgage XXXX and that loan was sold to US Bank. At that time XXXX XXXX XXXX XXXX XXXX signed over and sent the money orders to US Bank. US Bank claimed to have not received the money orders initially but then said that they have received them but had not cashed them. They were charging me late fees and reporting missed payments on my credit report due to this issue. My XXXX XXXX has dropped more than XXXX points due to this issue. I received a letter on XXXX of XXXX stating that this issue was resolved and that they would update my credit report. Although my credit report has not been updated, I had n't heard anymore about this issue until XXXX of XXXX saying that the money orders were either not received or not cashed. The only option they gave was placing a stop payment on the money orders which comes at a cost ( that they are not willing to pay ) and that process takes at least XXXX weeks. In the meantime they are still reporting negatively on my credit report and charging additional late fees. Please help.

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 monetary relief
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried to dispute several bad things on my credit and they wo n't go away. I 'm currently trying to get private student loans for school and am continuously denied bc of Equifax reporting. This is causing a lot of problems for me. XXXX is fixing it on their end why wo n't Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: i applied for a loan modification with XXXX XXXX under the making home affordable program, in fact my loan was in process for that program until the servicing was change to CALIBER HOME LOANS once they took over every thing change instead of loan modification staying within the Hamp program they took upon themselves to put it into a forbearance agreement and offer me a higher interest rate and payment that is {$1300.00} a month higher then my orginally loan payment, so i rejected it and appeal it because it is not making my loan more affordable this loan modification is designed for me to fail, it is not helping me it`s hurting me i want to keep my home not lose it, XXXX never had a problem with my request for the Hamp program so why is caliber trying to put me in a bad deal, and as of today I got a notice of sale on my home while i am still trying to modify my loan, i have a job and income to pay a mortgage payment again under the HAMP PROGRAM GUIDELINES not a payment that almost doubles what i had before

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/2013 my husband was terminally ill. We had a modification thru Chase XXXX. The XXXX balloon is due this XX/XX/XXXX. I have tried modification twice with them..No Go. When I questioned the Chase Rep about balloon. I was told I could re modify. Now foreclosure is looming and Chase will get my hone valued at XXXX for XXXX. My question how can a coustomer in in financial hardship expect XXXX years later to come up with XXXX. I feel that Chase didnt explain the process and took advantage of my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: Our loan rate seems higher than most of my neighbors in my zip code, most of it is going to interest and the principle has not moved. I have held a mortgage with Wells Fargo for over XXXX years and still owe more than the property is worth. My house has been on the market for almost a year, and in order to sell, we have to take a lost because of the payout amount due to Wells Fargo. Your help is appreciated. Thank you.

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