milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a complaint with a company that is no longer in business, XXXX XXXX XXXX and with the servicer of my loan, Navient. 
I graduated from college in XX/XX/XXXX with XXXX fed loans totaling {$91000.00} at 8 % interest. 
First 2 years I had deferred my loan since I was starting out in practice and not making a lot. I started paying the loan for 2 years. In XX/XX/XXXX I was advised to consolidate and start in an XXXX ( income based repayment plan ). The XXXX is a plan you pay for 25 years and after the 25 years the remaining is forgiven. This was with XXXX. 
I started with this plan and was paying into this program. 
In XX/XX/XXXX a third party company contacted me XXXX XXXX XXXX ( XXXX ) and told me since I was a XXXX working in the public and providing public service I would be qualified to sign up with the PSLF program ( Public Service Loan Forgiveness Program ). 
This is an IBR program where you pay for 10 years and then what is left is forgiven. 
They connected me with Navient and both companies agreed and assured me that I was in this program and I was well qualified. I also contacted the Fed loans servicing department and asked if I would be qualified for this program and over the phone they told me yes so I signed up with this program with XXXX and Navient and paid XXXX {$1000.00}. 
Last year I contacted Navient to confirm I was in the program and how many years I have left and they told me I was not in the PSLF program ( I did n't qualify because I am not a non-profit ) and that I had started over with the 25 year IBR program in XX/XX/XXXX when I switched to Navient. They had never told me I needed to be a non-profit or a not-for profit, just that I had to be in the medical field working with the public in a depressed area. 
Even the Fed Servicing Dept had asked me several questions and assured me that I was qualified and never asked if I was a non-profit. They just asked my specialty and if I work with the public and provide public educating. 

Now I should have 13 years of 25 credit paying into the IBR program but I only have 2 years credit. I have lost 11 years of credit. 
I feel that I was tricked, misled and lied to about this program. 
When I tried to find XXXX they are out of business because of fraud and scams. 
I began with {$91000.00} in loans, I have paid close to {$90000.00} over the years and I still owe {$190000.00} right now with the 8 % interest. I feel trapped and with no end. 
I feel that Navient should be part responsible for agreeing with this XXXX and they should give me back the 13 years of credit I should have with the IBR program.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I witnessed bank of america stealing customers money, thats what is happening as we speak.

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 05-12-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was laid off from my job for the second time and decided to go back to school. As I went through they were lookin it my and my husbands income as well. I needed to get a full-time job, so when I went back to working full time they told me I had to start paying off this loan. I 'm XXXX XXXX less than half of my paycheck and is very burdensome. I struggle every month trying to pay that bill as well as my other responsibilities, i.e., my monthly bills. 
If I could get some of my {$66000.00} debt of student loans, and parents plus loans down, this would help me tremendously. I 'm trying to go back to school to earn an XXXX, but I will be XXXX or XXXX years old before I am able to even think about not having to pay any more educational loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Billing disputes

Complaint: Dillards department stores identity theieves and interest rates and settlements and adjustments to accounts that are false to XXXX cards in XXXX center

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CT).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XXXX XXXX has buried information in credit agreement as to how deferred interest payments are applied. Despite paying 2X the balance owed on a deferred interest purchase, I was still assessed the deferred interest charged based on the way the payments were allocated. This approach is entirely misleading and unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: in 2010 so meone filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FCR A 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has t o be remove

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX collections have been placed on my credit report relating to unpaid utilities that are not mine. All XXXX collections seem to relate to an address at which I have never lived. I contacted the utility company associated with Pro Collect 's collection, and they confirmed the delinquent account is under a different social security number and birth date as mine ( although same last name ). Pro Collect refuses to remove the collection despite me providing information to demonstrate it is not mine. I have contacted all XXXX credit reporting agencies and submitted documents and a letter proving that the debt is not mine, yet the collection continue to appear on my credit report and remains unresolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being chase visa household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on XXXX them accounts. So XXXX had XXXX debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts

Company response to consumer: Closed
Consumer complaint received 08/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled my credit back towards the end of XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to TranUnion and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 non-monetary relief
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Wells fargo is not willing to re modify my loan. They are saying no because 4 years ago they modified my loan to a 2 percent inreste rate. A nd I would like to know why.

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 03/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Settlement process and costs

Complaint: Bank of America is attempting to foreclose on a property. The TILA Agreement was never presented. Only the HUD Settlement Form. I requested the Title Company XXXX XXXX to send all of my documents which I signed at closing and there is no TILA Agreement. Furthermore, the Entity in which the Note and Deed of Trust are assigned to is America 's Wholesale Lender " A Corporation '' which did not exist under XXXX Law and does not exist under XXXX Law. XXXX Trustee and Bank of America are initiating a Foreclosure set for XXXX XXXX, XXXX and America 's Wholesale Lender never responded to a Qualified Written Request. The Qualified Written Request to America 's Wholesale Lender was Sent via Certified Mail Return Receipt Requested back in XXXX and never responded nor did Mortgage Electronic Registration Systems which are other parties listed in the Deed of Trust as Lender and Beneficiary. America 's Wholesale Lender A Corporation does not exist as a Corporation Tax Payer in XXXX. Therefore, I would like to have in writing who is the appropriate lender who has standing to foreclose. Otherwise, I would like to take the appropriate action to Rescind the mortgage since XXXX advised in XXXX that they were not the Lender, Owner of the Property or the Loan. Since the Truth and Lending documents were not issued at closing, and I can not contact the Lender for the TILA Agreement with a existing entity, I would like to know who is the true Lender to the note and deed of trust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a huge security breach that has now put all of my personal information at risk. They were aware this breach happened in XXXX 2017 and I was not notified personally that my information was at risk. Instead I had to find out in reports in XXXX 2017 that there was a breach, and take actions to protect myself. In order to due so I had to PAY money to have my credit frozen. To the same company that lost my information due to security negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (FHA mortgage) with MORTGAGE LENDERS OF AMERICA (PA).
Issue: Credit decision / Underwriting

Complaint: after 1 month was told I needed to refi my loan at no cost to me. Then was told they would add the cost to my loan. then received inter office mail that the papers were not filled out properly to sell the loan. Then found out they sold the loan without us fixing the paperwork. Got different mortgage co. After almost 2 months still have not gotten my escrow moneys. I called and was told they sent it to the home I was renting before the home they issued a mortgage to. Nothing but lies

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: For the second and third time this year, XXXX in XXXX reported attempted fraud by Synchrony Bank. See attachments. I already reported Synchrony to CFPB earlier this year, when it failed to remove the first fraudulent credit report inquiry after repeated contacts. I spoke with Synchrony twice in XXXX. Both times I was told they would mail me a form to sign to have these fraudulent hard pulls removed from my credit reports. Synchrony has again failed to do 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 08/13/2017 about Debt collection (I do not know) with Lyons, Doughty & Veldhuis, P.C. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Lyone, Doughty, and Veldhuis LLP sent me through the XXXX  County Court System a notice that I am being sued by them. Inside the notice they did not send enough information to verify the debt such as : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that Selip and Stylianous, LLP. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent Attached you will find what they sent me which is clearly not any of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with DISCOVER BANK (WA).
Issue: APR or interest rate

Complaint: At the beginning of this month, after receiving several offers from Discover Card, I went to the website and applied, using the invitation number on my correspondence. I got approved within minutes and got my card today in the mail. Everything on the paperwork that came with the card is the same as the information that was on the invitation except the APR. The invitation stated that my APR would " be 13.49 % to 16.49 % based on your creditworthiness ''. But my paperwork I got with the actual card, like I already stated everything was the same except this. Today 's APR is 19.49 %. 
I called to try to find out what happened, and I was told that since several invitations had been sent to me, that I apparently used the " wrong invitation number '' when I applied online. 
I am certain that I did not do that. I am certain that I used the paperwork that came with the invitation that had the lower interest rate. I had thrown the other away. 
And in today 's mail, along with the actual card and the paperwork that states a different APR than the invitation did, I got yet another invitation from Discover with the rate of 13.49 % to 16.49 %! 
I was told that I could re-apply, but there was no guarantee that I would be approved this time. 
That kind of seems like a bait and switch. 
I would attach the paperwork I have to prove this, but my printer wants to do a " cloud '' thing, and I do n't know how to do that. I would be willing to make copies, something I do know how to do, and send them to you. 
I have used the card to do a balance transfer as my car broke down and the interest on the card that I had to put it on, is pretty high. The new Discover card has a 0 % APR for the first 14 months. I hope doing this does n't affect my ability to take action against what they have done. 
I will await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2018 about Debt collection (Private student loan debt) with Apothaker & Associates, PC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection agency stated that this debt is from 1998. I didn't have a student loan from this date. I asked for the original paperwork that states the amount and the loan they said they would try to get me this to me but im still waiting to receive the papers. Also I have two collection agencies coming after me for one student loan. There is no working or speaking with this company, they have to be the best rudest nastiest people alive.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Re : Complaint against Bank of America/XXXX XXXX XXXX over their administration of our home mortgageOur mortgage loan is held by Bank of America and is serviced by XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, CO. These financial institutions have repeatedly violated consumer and banking statutes in dealing with us for the following reasons : I. Back in XXXX, XXXX, a non-profit organization, did broker our loan modification with Bank of America ( BoA ) when BoA was also our loan 's servicer. We did strictly honor the modification agreement, but in XXXX XXXX dishonored it for no reason without advanced notice and compelled us to pay {$24000.00} in a lump sum or else we would face foreclosure. In the summer of XXXX, my husband withdrew funds from his IRA to pay the {$24000.00} alleged arrears in order to stop the threatened foreclosure and improve our credit so that we could seek a loan modification or refinance with another lender. We incurred a huge tax bill partly due to the early withdrawal from the retirement account. 
XXXX. Separately, we believe BoA acted in bad faith when it started processing our loan modification request back in XXXX when it was still our loan servicer. But midway through the review process, it transferred our loan to XXXX and XXXX suddenly stopped the modification process without citing any reason at all. 
XXXX. On almost all occasions we mail our loan payments by certified mail to the attention of XXXX XXXX, the CEO of XXXX in XXXX XXXX, CO, however, XXXX fails to timely docket our payments until the grace period lapses and we are charged interest, which again adversely affects my credit score. Once we even sought to fix this situation by sending the payment directly the XXXX XXXX in XXXX, GA and that payment was never posted and the check was never returned to us. We sent a XXXX payment by certified mail which was received, but it was late and we were again subjected to a {$72.00} late charge in XXXX. 
XXXX. On numerous occasions we have requested the history of all our loan payments from the inception of the loan, but BoA/XXXX have never sent it to us and that is a violation of the Truth-In-Lending Act because we are entitled to such statements by right as consumers/borrowers. 
Despite all this, our account is up to date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld Systems is reporting a student loan from original creditor of XXXX XXXX XXXX to my credit report. I have a final statement from the original creditor XXXX showing the account paid and a XXXX  balance. This debt has been previously sent to a different collection agency with the name of XXXX, this company contacted me and i sent them the statement of proof of XXXX balance and the account was removed. Transworld systems is now trying to report the same loan from the same creditor with a higher amount and incorrect date despite it being paid in full and was never with a collection agency. I contacted Transworld Systems and was told the account is with their legal department and was given their phone number, i spoke with them promptly and was told the account with them has been closed for a long time and that i have to speak with Transworld systems. However they refuse to speak with me regarding the account. I have PROOF this was paid and was not a collection account, yet they are still reporting it to my credit report on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in the process of looking to buy a home. This is why I pulled my Credit Report. I could not believe the information I found. There are several loans and accounts on my report that I have no knowledge of and I contacted each creditor and have not been successful in removing these items, the reps were rude and told me even if I had  no    XXXX   XXXX   is reporting  XXXX  times as well. These are not my accounts! And I will not rest until I get results. This is preventing me from getting a home and I feel it is very unfair to have to pay for something I did not do nor had any knowledge of. These accounts are reporting in error. Please help me to resolve this,

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student loan company has been Nelnet since 2006. 
According to my loan details, I have XXXX separate loans. XXXX for the amount of {$4400.00} and XXXX for {$9000.00}. Each loan appear to be charged 6 % interest rate separately. Therefore I 'm being charged 6 % on each amount instead of on the total which is {$13000.00} ( outstanding balance ). 
Therefore, I 'm being charged $ 6 % on XXXX different loans instead of XXXX ... which means I 'm being charged 12 % on a loan I took out 20 years ago for XXXX school and been paying for 10 years with Nelnet. Due this this, I still own {$4400.00} on an initial loan of {$5800.00} ( which means, that in 11 years with Nelnet, I only paid ... {$1300.00} ) and I still own {$9000.00} on an initial loan of {$11000.00} ( which means, that in 11 years with Nelnet, I only paid ... {$2700.00} )?

Company response to consumer: Closed with explanation