milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying my loans on time for years and the balance never goes down. XXXX XXXX Navient does not provide enough information for me to understand how they are continuing to XXXX me. I signed up for these loans as a kid so I understand I signed a contract for the load fees/ origination fees, variable interest rates etc. 
However, the information provided does not show the loan balance. It simply shows what has been applied to interest and what was applied to principal. The thing is in my budget I write down my last balance for each loan and even though the loans are in repayment they continue to increase in the amount owed. 
I have also noticed " Repayment Fees '' this is ridiculous considering how all of my loans have doubled in value and my monthly payments do nothing ( I understand amortization, but for the loan balance to continue increasing while in repayment is inexplicable. ) I called to speak to someone about the fees and they assured me the account would be credited ... it was not. The people who work at the call center barely speak English, never mind understanding my concern with the loan balance continuing to rise while in repayment. This company needs to provide a running balance to show how each payment has effected the total of the loan. Otherwise, they are continuing to rob us blind more so than they can legally. 

I have attached a screen shot of the information Navient provides to its customers. As you can see I have paid interest and principal payments, however somehow the balance I owe has increased ... .. They are playing games and this is most likely illegal. They need to show how each payment effects the balance and if more interest is charge in a month ( because of the variable rate I am sure ) they need to show that as well. These loans will never be paid at this rate and my total SL per month = {$1600.00}, how am I supposed to live with this payment especially if the balances only increase over time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (NV).
Issue: Application, originator, mortgage broker

Complaint: To Whom It May Concern : I had contacted a local Citibank about refinancing a mortgage that I hold on a home in XXXX XXXX to take cash out of the equity for use in purchasing another home. I held a meeting with a loan officer at Citibank, XXXX XXXX XXXX XXXX ( NMLS # XXXX ), to discuss their refinance services and asked if they could give me what I would need to purchase a second home : {$150000.00} cash-out from my existing property that is nearly paid off. I provided them with an estimate of the home 's value as well as my income from the last two years, based on my tax returns, as well as the debt that I owe on my cars. The loan officer was optimistic about obtaining the equity, and informed me that I would have to pay for appraisal and application fees upfront, which came out to the disputed amount of {$520.00}. 

I left the office and received the attached document titled, " First Loan Estimate, '' which listed the amount that I was seeking and an interest rate that XXXX and I previously discussed. However, a few weeks later, I received the Second Loan Estimate, which specified that the loan would drop from {$150000.00} to {$85000.00} while the interest rate would increase from 3.75 % to 4.375 %. I wrote the loan officer an email where I explained that this is not acceptable and if it can not be corrected back to what we discussed, I would like to withdraw the application and to refund me the application and appraisal fees. 
The loan officer called me a few days later and explained that he could possibly raise the amount of the loan again but to give him a few days to see what he could do. I agreed, and then received the document titled Third Loan Estimate, which was for {$110000.00} at 4.375 %. 

I explained that this is not acceptable and that I can not purchase a second home with such a small amount, especially considering the fees associated with the loan. The loan officer agreed to withdraw the application but when I asked him to also refund me my upfront fees he replied, " Hi XXXX, we wo n't be able to refund the fees. As we had discussed they are not refundable. '' He never stated that the fees were non-refundable prior to paying them ( see the attachment titled Emails ), nor did he ever warn me that the loan amount could drastically change like it did. I would like to ask that the fees I paid be refunded.

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 06-01-2017 about Mortgage (Conventional home mortgage) with Mortgage Research Center, LLC (LA).
Issue: Closing on a mortgage

Complaint: The company involved is " XXXX XXXX XXXX XXXX. '' I  was trying to refinance a home loan with XXXX XXXX, they send some paper for me to sign, the documents sent were written in English only, I signed the documents, and mailed back. In the documents signed, in the section were appear cash to close, the borrower is XXXX ;  nevertheless after the company then send me another document indicating that cash to close to borrower is XXXXUSD, I E-mail two letter to XXXX, as well as I, call XXXX XXXX at XXXX ( XXXX ) and he did n't return my calls, I just wanted not continue the process so he would n't claim that he was working on my loan, the papers were signed in XX/XX/XXXX, and mail in the XX/XX/XXXX, I received the document with different number from XXXX to XXXXUSD in XX/XX/XXXX. ( I speak, write, and read XXXX better than English, XXXX is my first language )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: the credit is wrong. please correct my report

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with D.B.M.E., INC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had paid {$140.00} to XXXX on XXXX/XXXX/XXXX for usage from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. My last visit to the facility was well before XXXX/XXXX/XXXX. I had emailed XXXX to discontinue my membership and that I have already fulfilled my mandatory XXXX agreement of staying on as a member to avoid early termination fees. I entered into a year contract from XXXX of XXXX. I know for a fact that XXXX has a record of my attendance, and that my last checked-in usage of the facility was before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I received a letter from Dutchess Adjustment Bureau, from XXXX XXXX a debt collector ), as noted in the letter. It says that unless I notify this office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If I notify this office in writing within 30 days from receiving this notice, this office will : obtain verification of the debt or obtain a copy of a judgment and mail me a copy of such judgment or verification. If I request this office in writing within 30 days after receiving this notice, this office will provide me with the name and address of the original creditor, if different from the current creditor. 

I have no idea what this means and they are trying to collect a balance of {$280.00}. Please advise on how I should proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: As per my previous complaint ( case # XXXX ), I have filed numerous disputes with Equifax about the " date filed '' that 's listed on the judgement on my report. The court keeps replying to Equifax stating that the " Date Filed '' XX/XX/XXXX on the Satisfied Judgement is verified to be correct ( This is not the date filed but rather the date the judgement was issued ). Equifax took it a step further with the complaint and stated that the court docket documentation shows that the date for the Judgement to be effective was XX/XX/XXXX. The issue here is that I 'm not disputing the date for the judgment to be effective ( which is the date that is reflected on my report and should n't be ). I am disputing the date filed, which is what 's supposed to be reflected on my credit report. The date filed was XX/XX/XXXX which is clearly indicated on the docket. At this point, Equifax updates the report internally but continues to verify with the court who sends the incorrect date ( the court continues to reply with the judgement issue date as opposed to the file date - Which is inaccurate ) and Equifax continues to default back to the wrong date. At this point there are several disputes and just the same old song and dance with the same result. XXXX and XXXX have both resolved this issue. XXXX recognized through their internal review process that the courts are referencing the incorrect date so they manually made the adjustment. XXXX however had a similar outcome to equifax but they internally took the decision to purge the item before I could lodge a complaint. 

Please reference the attachment scan.pdf for the official court docket. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit card () with SYNCHRONY FINANCIAL (PR).
Issue: Payoff process

Complaint: Banana Republic and their XXXX Credit Card. 
I pay full statement balance of {$3700.00}. In their Banana Republic Online Account it says its no longer in process the payment and posted by XXXX/XXXX/16. I call the XXXX to ask why the amount I paid is still Not available to use. They give me a Fax Number XXXX XXXX. I send the evidence from the Bank Account to the fax number. I called Again. The service rep confirmed they had it. Than they said I still had to wait 6 day because of such large amount being paid. So I ask for Supervisor. Supervisor said same thing had to wait 6 days. I told them that because I paid good I was being penalized. That this did not make sense. I was upset. What if I needed to use in hospital the card right now? So even if I was buying something that same day in Banana Republic no good also. I even try to see if by saying I would cancel the card and still Nothing the supervisor was OK to close the account. I have paid less amount {$2000.00} before and in 2 days I can use card. Today the XXXX of XXXX I went Banana Online Account and still not available the funds to use. Not even part of it. I use the Customer Online Support and XXXX XXXX said all was all in good standing. The rep told me to call XXXX XXXX. Call support rep and told them 6 days passed. Explain I called friday. They told me had to wait now 48hrs. I ask what can I do to avoid this. She recomendad not paying completely but halve and than the other halve one week later. 

I complaint base on the fact that its misleading and they are not letting known to consumers that if they paid in full it will take longer to clear than if they do not pay off completely. Also the the Online Bank statement says its Cleared and should say that it is still in process. If the funds are not going to be available yet. And also that If I send the bank evidence by fax that they should honor the request to fix and update the system to reflect the available Funds. 

I have ALL the Calls Recorded as Evidence. Also screens shots of the online Bank Account. And evidence of Fax being received. 

Its not fair that this company Banana Republic manipulates this and is not clear to customers so that one can plan accordingly.

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 11/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: A local credit union XXXX XXXX, was offering 2.3 % on a five year CD. Who could pass this deal up? Went down to the grocery store where they have a cubicle to sign up. We had CD 's here in the past so they still had most of our personal information. Near the end of the Q & A signup process we were told that they need to check our credit even though we were former customers and were making a substantial deposit. So ok do it. Well we had placed a credit hold with Experian when our health insurer XXXX followed then by Experian, keeper of the XXXX information, were XXXX recently hacked. It does n't matter if you are a CD purchaser, no credit check, no new account. Back home again we lifted the security hold after paying Experian their {$10.00} ransom fee for doing so. It seems logical to me that when our data was compromised that the smart thing to do is place a hold on our credit. It is even more logical that if there are any charges for doing so the company or companies where your data was hacked should be financially responsible for everything. All we see happening is they lay off their liabilities to some " insuring '' agent who then says if your ID is stolen they will work with you to fix the problem. Gee thanks, but I think the company who allowed our information to be compromised should ultimately have total responsibility and should be subject to substantial Federally imposed penalties for allowing our information to be stolen in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I opened and account in XX/XX/XXXX with synchrony ( then ge capital ) and paid it off in XX/XX/XXXX. Since it is Ethan Allen, it is not something I would use every day. I was never notified that this may be happening in the future, or even that it had happened after the fact. I only noticed after checking my credit report. I called customer service today and they will not reinstate. I can only reapply and reopen, which will further hurt my credit. I was in the process of buying a house and this has potentially cost me thousands in interest on my mortgage due to a lower credit rating. All customer service said is they can close an account for any reason at any time and we 're of no further 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 explanation
Consumer complaint received 07/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: After being layed off work beginning on XXXX/XXXX/16 I continued making payments until unemployment insurance ran out inXX/XX/XXXX and I could not afford too continue. When the collection calls started I explained my situation but Navient claimed there was nothing they could do when I asked about lower or deferred payments, they instructed me to just ignore the calls, all the while reporting negative on my credit report until my employment in XX/XX/XXXX I was able to start making payments again in XX/XX/XXXX after catching up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Payday loan () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Can't contact lender

Complaint: I pay my loan back in 2012 I pay my the amount of XXXX, but they are continue putting late fees on my credit account which does n't make sense because I paid that account back in 2012 and it should be close. it was be close by me and he was close by the lender. I have proven that I pay that amount the full amount that they were asking me to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Shellpoint Mortgage Servicing refused to provide the contact information for the Bureau of Consumer Financial Protection. During a call in which they requested documents to be sent again for a loan modification, I was speaking to a representative named XXXX on the date of XX/XX/2017 and had had enough of their incompetence and requested the contact information of the Government entity that regulates them. XXXX refused to provide the name of the CFPB ( which I had to XXXX ) and the contact phone number. She said the information was on the statement and when I demanded she provide the information she terminated the phone call. Reviewing the mortgage statement from Shellpoint Mortgage did not provide any contact information for the CFPB to launch a complaint as indicated by the representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have not owed XXXX XXXX XXXX for any XXXX XXXX, but credit collector has continually harassing me and placed a debt of {$100.00} on my account after I have even told them have been cleared by XXXX It happened that I received an order of a cable modem from XXXX XXXX XXXX which was not ordered for by me, I only make phone inquiry about the service alone but the person I spoke with send to my address the modem through XXXX and immediately I saw this, I called XXXX and they asked me to send it back the next working day through the same courier and after 2 days I called again and it was confirmed received by them. And they told me severally that am cleared but credit collector keeps disturbing me on this and I have referred them time without number to seek clarification from XXXX XXXX XXXX but they did not. It unfortunate that this is still coming out on my credit report. Am frustrated and am developing XXXX XXXX with the way they disturb and the manner by which this appear on my credit information. I am seeking for a redress. I will appreciate if this can be settled. Am just tired of what XXXX XXXX XXXX is doing to me. 

I can be contacted for further clarification of this matter. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: currently reporting XXXX invalid debts based on false claims and / or false representations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have submitted a request to my loan servicer Utah Higher Education Assistance Authority for income based repayment by faxing an IBR request form to them. The Utah Higher Education Assistance Authority has not acknowledge receipt of the request and is still claiming I have a delinquent balance. I want UHEEA to honor my request and check my elgibility for income based repayment.

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 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An account previously removed on my credit report is now again on my credit report under a different agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: My name is XXXX residing in XXXX, NC. I am asking for a copy of my credit report after it has been disputed and updated with proof of investigation. I have applied for credit and I have been turned down.

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 10/22/2016 about Payday loan () with Enova International, Inc. (MO).
Issue: Received a loan I didn't apply for

Complaint: I looked into cash net usa, and decided against it,, with the interest rates starting at 199 %. I got an email from them saying that my first payment will be deducted on XXXX XXXX. I checked my bank acct and the only deposits I have are from my paychecks form my company. Then it says they are taking out another $ on XXXX XXXX. I didnt apply for this loan, I looked at it and said no. I didnt sign anything at all giving my permission

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company did not include a tax on my HUD statement at closing and now they want me to make the deficit up in my escrow account and increasing my monthly payment going forward. I never received any clarification on how or why this happened. Even after calling multiple times and speaking to multiple people in their company. When I call them they always deflect what happened and blames someone else. This deficit was brought to my attention three months after I closed on my house. I have spent countless hours on the phone with them. To date I still do not have a clear understanding on how or why this has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other fee

Complaint: Macy 's is charging me a {$2.00} " Minimum Interest Charge '' fee on a XXXX balance credit card account. They charged me the {$2.00} fee on XX/XX/XXXX and when I notified them in writing, the customer service agent advised I had a XXXX balance. Now the account shows as 30 days past due and they charged another {$2.00} fee on XX/XX/XXXX while the balance was still XXXX except for the {$2.00} fee from XX/XX/XXXX. I do not owe this and do not want this to negatively affect my credit rating.

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