milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have two specific problems with Navient : 1. Navient received a payment from my refinancing company on XX/XX/. The company overpaid the loan, resulting in a negative balance. So far, Navient refuses to release the {$220.00} back to me. I requested payment within 30 days, as our loan agreement states payments are made every 30 days. I don't see anywhere that they excluded themselves from that role. I have to pay them every 30 days, so where's the same courtesy for me? 
I request that Navient release the funds immediately. 
PS - I am currently in the process of refinancing another loan out of Navient, since they've been a terrible lender and interest rates are rising quickly. If they can not pay any over-payment within 30 days, I'll be back here again. 

2. I am considering suing Navient in New York Small Claims court for the balance they refuse to provide. I requested from several customer service associates via emails, as well as with their Customer Advocate, that they give me an address where I can serve them. Everyone has refused to dodged the question. Customer Advocate said they'd get back to me this week, after stalling for one week already. So far, I've heard nothing. 
Please request that Navient give me the address where they can be served legal notices.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had previously disputed this items several times on my credit report with Equifax only, for XXXX XXXX. I have sent them XXXX 's received from XXXX in 2014 taxes paid on this forgiven accounts. And they 're still showing balances when it should show settled and XXXX balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax reported a hack. I went to their provided website and it says that my personal information is impacted by the breach. I will also be calling them to get an initial fraud freeze placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Dear XXXX, I am sorry to have to write to you but I do n't know what to do anymore. I have been receiving deceitful information from the loss mitigation department of Financial Freedom who have made it impossible to finalize a workout on my XXXX house. Even though I have followed all the requirements for an extension, I was just told that the home would go to foreclosure next Tuesday, XX/XX/2017. 

My mother took a reverse mortgage and after she XXXX, my sister and I have been working relentlessly with Financial Freedom to find a solution to sell the house and pay the outstanding balance. The house needs a lot of work and I am working with a few buyers who are interested in purchasing it but more time is needed to finalize the sale and close on the transaction. I have had an open discussion and ongoing calls with their company and it was agreed that the house will not be sent to foreclosure in XX/XX/XXXX and I would get a XXXX day extension of the foreclosure process if I provided the XXXX certificate, the proof of death, the Last Will and Testament, along with a cover letter and proof of selling negotiations such as a Texas XXXX XXXX XXXX XXXX and Sale Agreement document by XX/XX/2017. I initially submitted the requested information on XX/XX/XXXX and resubmitted again on XX/XX/XXXX ( attached is a copy of the fax with the date of when I sent the paperwork ). When I followed up on XX/XX/XXXX I was told that the request was denied because the information was not REVIEWED until XX/XX/XXXX This is very troubling and makes it seem like your company is trying to take advantage of my situation. I have tried to do what was requested and may now lose my mother 's home of almost XXXX years and currently my primary residence due to your company 's slow processing of paperwork. 

I am not asking to stay in the house permanently, I would however like to have an opportunity to sell the home and move out quickly. As my foreclosure date is imminent, I am requesting that you place my foreclosure on hold to provide me the time to execute a contract that will allow me to pay off the loan and give me the money needed to find an apartment. 

Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit card () with TD BANK US HOLDING COMPANY (OH).
Issue: Customer service / Customer relations

Complaint: TD Card Services was contacted by a person who had stolen my credit card information. TD failed to properly authenticate this person when they called notifying them of an upcoming fraudulent purchase using my card, and allowed them to change the phone number ( my number ) that was associated with the account. This charge for {$6200.00} on XXXX from XXXX was processed using XXXX Payment on an XXXX and then discovered by me as a fraud. I notified TD of the fraud around XXXX XXXX. They said they would credit the fraudulent charge, close my account, and issue me a new card. I received the new card, and through a series of at least 4 frustrating phone calls, finally authenticated my account by faxing them several forms of ID. I called 3 more times as the fraudulent charge remained associated with my account. Each time I was told that the charge would be credited in 5 to 7 business days. As my credit card statement neared its due date, I notified TD in an additional call that my billing due date was approaching, that the credit had not been made, and that I did not want to see late fees, interest charges, and a notification of missed payment sent to the credit reporting agencies. My fear was that this would negatively impact my credit score as a consumer through no fault of my own. No one in their customer support could explain to me how or if the credit reporting agencies would be notified in the event of a late payment. After speaking with a fraud specialist on an additional call, it was only then determined that the credit was placed onto the old and now closed account. Predictably, the account came due and interest charges and late fees were added to my account. I made an additional XXXX calls over the last week trying to get this resolved to no avail. I spoke to a supervisor XXXX after being on hold for almost XXXX minutes who again lied to me telling me the credit would be applied the next day. It was not, only the late fee was credited. I called the next day and was told that the supervisor was in a meeting and that I would receive a call back from the supervisor XXXX and I never received a call back. I asked the representative on how I could give feedback to TD on the frustrating experience that I was having and they could provide no such contact information. I asked if the credit reporting agencies had been notified and I was not directly answered only that the fraudulent charge was marked as disputed in their system. It is now XXXX/XXXX/16 and the charge remains on my account as well as interest. There is no excuse for the breach of my account, the lies that I 've been told, and the waste of all of my time which I have not been compensated for. I am writing this in the hope that as a consumer in the United States, there are protections and sanctions against those incompetent companies who mistreat their customers, and potentially ruin their credit worthiness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax requested documents to be submitted to them via fax to self identify. On XXXX XXXX, 2017 a copy of my driver license, social security & proof of current address was faxed. On XXXX XXXX, 2017 I spoke with an Equifax associate, who stated they ca n't seem to located faxed documents. After 30 mins of dealing an associated, I was placed with a supervisor. Supervisor stated since its been 48 hours since I faxed my self identifying documents, I could upload the documents using the dispute function on their website. After uploading the document as requested, the supervisor asked about an account belonging to me, that she just recommended I use to upload self identifying documents. Supervisor still was unable to answer my question, as to why I can not review my credit report online, nor could she answer the question, what happen to the information just upload to verify identity

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I got a new job and called AES in XX/XX/XXXX to change my loan due date to coincide with my new paycheck schedule and new direct deposit bank account. I have XXXX school loans through AES but I 've only ever paid XXXX total amount on XXXX due date ( the XXXX of the month ). The representative told me it could not be done for the upcoming bill in XX/XX/XXXX but that I could suspend direct debit for XX/XX/XXXX and have the new date date/direct debit account changed for XX/XX/XXXX. I paid my XX/XX/XXXX bill online and used my new bank account information. THEY STILL TOOK IT OUT OF THE OLD ONE and overdrafted that account. I figured there was nothing I could do at that point and let it go. 

Now it 's XX/XX/XXXX, and they have randomly direct debited my account {$200.00} on the old due date ( the XXXX ). I called and asked why and they said only XXXX of the loan due dates were moved to the new date ( the XXXX ), the other XXXX remained on the old due date. This is in direct opposition to what I requested, direct opposition to what I was told by the representative when I called the first time, and direct opposition to the confirmations I received in the mail. HOW DID THEY CHOOSE ONE LOAN TO MOVE THE DUE DATE out of XXXX? How did they make that choice ( and why would I even request to split up the loans payments and due dates )? 

It was clearly an error and it screwed up my finances this week badly. When I called to have it fixed, the representative told me there was nothing he could do, I 'd have to call back in 10 days after that loan was paid to start the process of moving the due date. I told him I HAD ALREADY DONE THIS 2 MONTHS AGO, already received the confirmation in the mail and that he could clearly see that only XXXX of my loans was moved after I requested them all to be moved. He said there was nothing he could do until my loan was paid. I asked how it could n't be paid since {$200.00} was out my account today. Where was that money?! He had no answer, just that the it does n't show up in the system for awhile and that the system would n't let him do anything. 

I overpay my loans every single month, on time. I wanted to make XXXX minor change and its now resulted in over-drafting my account twice because of their mistakes. And this is still not resolved - there was " nothing they could do '' when I called. 

Imagine dealing with this company when you are really struggling or in dire straits? They are terrible at customer service and terrible at everything but taking your money ( incorrectly ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (ID).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I was sent an email back in  XXXX  that I would receive 10 % cash back from  XXXX  to  XXXX   XXXX  in the form of a statement credit for purchases made on  XXXX . I still have the email saying I was enrolled in this offer. I spent thousands on  XXXX  for  XXXX , because of this offer. I then followed up via chat on  XXXX / XXXX /  XXXX   and was told that I would receive the credit in 90 days  (  on my  XXXX  statement ). I was fine with this and let it go. It 's now  XXXX  and  XXXX  passed with no statement credit as promised. ( I took screenshots of my chat as well  ). I  get on the chat today and was told that it was " investigated by the marketing department '' and that no such offer was on my account. This is now th e THIRD time I  've enrolled in these offers on my page that have not been credited as promised. I am now extremely fed up wit h American Express  and once my credit card is paid off I will be canceling it and I will never do business with your company again. This is extremely unethical and I 've now found numerous forums with people having the same issues as I am. Do n't offer " offers '' at all if you ca n't honor them!

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Bank of America pulled my credit report on X/XX/2015 without my authorization.

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 01-05-2018 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (CA).
Issue: Trouble during payment process

Complaint: I have an escrow account with my mortgage company. It is set up to pay my home insurance and property tax. I pay {$730.00} of every mortgage payment {$2100.00} to my escrow account. Every year I get an annual escrow account disclosure statement which determines if Im paying too much or not enough and my mortgage payment is adjusted accordingly. This year I have an overpayment so I received a check {$330.00} In the same letter my mortgage company is INCREASING my mortgage payment. I feel my mortgage payment should be reduced if not at least remain the same. 
Im also billed {$200.00} mortgage insurance which my mortgage company seems unable/incapable of explaining I called my mortgage company spoke to XXXX who identified herself as a manager and was unable to satisfy my questions she acknowledged my taxes remained the same and my insurance increased {$76.00} the {$330.00} is more than needed to cover that increase

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Credit card) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a payment plan with Rausch, Sturm, Israel, Emerson & Hornik Llc. 
By law I requested a letter with the information of how many payments I have left. I requested for that letter alnostv2 weeks ago and I never got it. 
I called em yesterday and asked bout it and the guy I talked to told me to call 1/2 hour later which I did. once I asked bout it again the guy hang up on me. I called XXXX or XXXX tines more without any luck finally I ended up talking to a different person who asked me for some information and told me he will get somebody to call me but nobody did. 
I called this morning again and after several calls in which I was left waiting until they hang up on me every time I finally talked to a guy whose namevas XXXX. 
He asked me for the same information the other guy asked and promised me to send me an email with the info I requested but he never sent me the email and by law if I requested the info bout how many payments left I have they have to provide it but they never did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Never authorized these inquiries ever!

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 07/14/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have recently sent letters to dispute medical collections on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation. I have requested that these files be removed from my Equifax CB, I received response from Equifax that this account was verified as accurate and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: I requested an autopay arrangement with my recently obtained Chase Slate visa credit card and the authorization form has only two options : either " minimum payment due '' or " full amount due '' ( which having just transferred a balance from another credit card is not an option at this time for me or probably for many others ). No option for selecting a fixed amount higher than the minimum payment is provided on the form, which is more than likely intentional to keep folks trapped in making minimum payments down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with ENCORE CAPITAL GROUP INC. (MA).
Issue: Other

Complaint: Midland Funding LLC purchased a debt from XXXX and brought legal actions to recover the alleged debt. The case was dismissed on XXXX XXXX, 2012. However, Midland Funding LLC continues to report this on my credit report as if this matter is in collection alluding there is still a debt of {$7200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid these people on an arrangement for an old XXXX XXXX bill last year. They marked the debt as " settled '' on both my XXXX and XXXX credit reports but they left it open as an active collections account on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have attempted to speak with Central Financial Control to verify the debt on multiple occasions. They keep stating they are not receiving my attorney 's faxes with her letter of representation. I have attempted to contact them in order to verify the debt, despite the fact that they have never sent me any documentation via mail but reported debt on my credit report. Now I call and no one answers the phone number. This is extremely frustrating as I am being denied a loan due to this outstanding account. I did some research and it seems this is n't the first time this company has done this to consumers.

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 02-06-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I have an account with Wellsfargo and I was charged an overdraft fee of {$35.00}. 
First all of my bank accounts have a savings connected to it for overdraft protection, which the representative claims was not active. I check my balance DAILY and on the XXXX, XXXX and XXXX I did not show a negative balance of any. 
Suddenly XXXX XXXX I get an email stating I am being charged {$35.00} for an overdraft fee. As I am going through the postings.. .transaction that showed pending XXXX the XXXX were suddenly showing posted as of XXXX the XXXX. I want this overdraft reversed as it is completely wrongly charged.

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 06/19/2016 about Debt collection (I do not know) with PDQ Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked PDQ Services Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Credit reporting () with Consumer Collection Management. Inc (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have filed numerous times to get these removed. They do get removed and then the Collection agency puts them right back on. What 's worse, this is an unlicensed collection agency. Evidently, XXXX does not require licensing, but in order to collect debt in the state of XXXX, a collection agency must first be licensed in XXXX. I believe this company to unscrupulous. Today while pouring over paperwork I realized the original debtor being claimed is wrong. The account we paid in full is being reported as completely different company in an effort to retrieve monies not owed to them.. I believe this to be fraud, or am I wrong? My husband and I paid this debt in full and the debtor listed with the collection agency is wrong. I have sent a legal request for documentation in writing, but I doubt I will receive a response. They can not produce what does not exist. I stand by my claim that this is fraudulent activity on the part of the collection agency and their client. Our agreement was with XXXX of XXXX, not XXXX. I 'm getting older and it 's hard to keep track of names after awhile, but I eventually I get there and remember.

Company response to consumer: Closed with explanation