milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient took advantage of me from the years of XXXX - XXXX. I basically struggled to find support from my family, and even worked full time yet I still needed student loans to go to college. I was stupid, and did not realize the consequences of my actions. But they preyed upon me. They knew my debt situation and that I would be in complete debt when I got out of college, yet they kept giving me loans. My Uncle and Mother co-signed. And it has created a permanent rift in my family. I have a family, and struggle to pay my student loans. I have placed them I in forbearance without being told there was a limit. My family will starve as the student loans continue to grow. They worked out a semi payment plan with me. Even though they were still going to charge me interest. It still XXXX me over. My payments are over {$600.00} a month. Navient does not care about my life or yours. They care about getting as much money as possible. They give me strong and severe anxiety to point I contimplate how I am going to be able to provide eggs and bread for my family. 
It is not fair. They condemned me to a life of XXXX and harass me well knowing I do not have the money. I do n't know what else to do. I hope you are proud of yourselves for preying on the innocent future of this world. You have destroyed my life.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had a Mortgage with Citi Mortgage with a balance of {$230000.00} as of Statement date XXXX/XXXX/2016. At around this exact time I refinanced my house and a Check was mailed out to Citimortgage Inc. for the amount of {$230000.00}. A refund for the over payment of {$1400.00} is due back to me. Several Calls to Citimortgage have been to no avail. They have refused to send me a refund check. It 's been over 60 days since the over payment. 
Please help me recoup this over payment.

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 04/27/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have asked what was my original creditor they will not tell me. They just tell me the amount I owe. It says I owe {$1300.00}, but I paid an amount of it  in 2016. I f I do not know which creditor it was before LVNV Funding LLC than how do I know it is a real debt collector I owe?

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Medical) with Diversified Acceptance Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Final debt of {$250.00} after insurance payment is being paid today XXXX/XXXX/2016. The total amount was {$3000.00}. They are charging {$430.00} in interest which we are disputing. We feel that the amount of {$430.00} applies to the {$3000.00} full amount that we are not liable for, we can see paying about {$50.00} in interest, but not {$430.00}!

Company response to consumer: Untimely response
Consumer complaint received 08-10-2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (KS).
Issue: Received a loan you didn't apply for

Complaint: Speedy cash claimed I made an account with them in 2013. In 2013 I was able to receive any items like that because of the interest rate and because I was a military dependent which they are not suppose to give payday loan. Neither did i apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/16 I tried submitting a purchase protection claim for my Chase credit card through their website eclaimsline.com. At the very end of the process you are required to provide a phone number to get a text - a feature that repeatedly failed to work. I then proceeded to try to use their contact form at https : //www.eclaimsline.com/XXXX and after filling out all of the information it also returned a message that an error occured please try again. 

I feel that this website is so shoddily constructed with every error requiring the customer to complete the process over and over again that it is specifically designed to discourage people from filing claims.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 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: Problem getting your free annual credit report

Complaint: I have been denied access to an ONLINE version of my Credit Report from the  XXXX  major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo has charged overdraft fees on debits against the account when there were still pending transactions on the account, meaning there were still technically funds available. The excuse I have been given is that the pending transactions are considered ( whether they actually post to the account or not ). I transferred funds into the account to ensure a XXXX balance prior to the pending transactions posting to the account. I was still charged overdraft fees. Wells Fargo already has past issues with the way they structure their processing for debits ( XXXX v. Wells Fargo Bank ; Case No. XXXX WHA ( XXXX. XXXX. ) ). I have been a Wells Fargo bank customer since XX/XX/2009 and have never had this issue come up prior to the beginning of this year. This is the XXXX occurrence of this behavior that has happened to me in the last 60 days.

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 04/25/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: I was notified by Citibank that my HELOC was going to adjust in the first part of  XXXX  in the last part of  XXXX . My interest only payment was going to almost triple. I started the process to see what my options were right away. Since the first part of  XXXX   XXXX  until now  XXXX   XXXX  I have been going back and forth with  Citibank  sending them information. I have asked for an escalation  at one point where basically they had changed my contact person, but nothing changed. I would send the informatio n to them that they requested, only to be sent back another notice asking for much of the same thing. I was very meticulous to do everything they asked for in regards to providing the information to them only to get the same response back that they needed the same informa tion that I just sent. I would have to say with in the last six months I must have sent them information over 20 times. I think this is unnecessary and down right abusive and criminal.

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 07-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I recently ordered and reviewed my Credit Reports from XXXX and XXXX. During that review, I discovered a serious mortgage loan reporting error on those reports from NationStar Mortgage. These incredible inaccuracies are having a serious, negative impact on all aspects of my life : financial, professional, personal. 

I 've attempted various calls to NationStar to discuss and resolve this error. The response I 've received from NationStar and its reps can only be described as a " runaround ''. I contacted them on XXXX/XXXX/16, during which time the rep took all pertinent information and told me it would be submitted for research. I re-contacted NationStar on XXXX/XXXX/16 and was told that there was no record of my earlier call. On XXXX/XXXX/16 I re-contacted NationStar and was told by that rep that no research would be done without it being requested by me in writing. On XXXX/XXXX/16 I faxed XXXX to the number given me by the XXXX rep ) a written complaint to NationStar Research Department, laying out my concerns and attaching all relevant information. 

It 's now been 2+ weeks. I have no acknowledgement from NationStar that my faxed complaint has been received. If it has been received I have no acknowledgement that it 's being worked on. If it is being worked on, I have no acknowledgement of an estimated timeframe to complete the research. In other words, I 'm totally in the dark ... still. 

Before Nationstar, this mortgage loan was serviced by XXXX and was originated by XXXX XXXX XXXX prior to that. 

Please investigate these matters and correct the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient has serviced my student loans for sometime now ; initially I wanted to consolidate to have one payment monthly at a low rate, instead, I received a higher interest rate than my original loans. I inquired as to why and was given a text-book response.
I inquired about ways to pay off my loan faster without breaking the bank and was put on a plan ; only to realize that the rate at which the interest rate increased was extraordinary. When I ask why the interest rates continuously increased, the respond was due to the plan I had selected. I made a large payment a few months ago, with the hopes my principle would decrease, only to realized just a few months later, it has increased more than what it was before making the payment. I was told that the department of education assisted with the interest rate and had calculated the assistance in addition to my payment, hoping it would decrease the balance, but it did not. I called Navient about a week ago and requested a breakdown of my loans and payment and balance- the rep responded that she could not provide the information because the system did not allow her to. I was furious - a financial institution in 2017 has systems that does not provide customer balances and history- they finally said the report will be mailed out ; as of todays date XX/XX/17, I have yet to receive any documentation explaining my loans, payment and balances, and the interest continues to grow! I 'm worried, i 'll never start my life or plan for a family as long as this issue looms. I do not trust Navient- I feel I 'm stuck!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Re : Your letter dated XXXX, in reply to written complaint on XXXX account XXXX This is continuation of my formal written complaint. I initiated my complaint via a letter to Wells Fargo Bank ( WFB ) dated XXXX, and a personal visit to VP XXXX XXXX on XXXX. ( Note : in future correspondence, please refrain from describing my formal written complaint as an 'inquiry ', a 'concern ', or 'important comments ' ). 
I found your latest letter to be unresponsive to my complaint. Your letter indicates you found no error on your part and would be making no adjustments to my account. My research clearly shows there are, in fact, substantive errors. 
As to the first of your XXXX errors, you are failing to abide by your own Prime Equity Line of Credit Agreement & Disclosure Statement ( " Disclosure '' ). My monthly account statements clearly show that what you calculated to be the interest component of my required, on-cycle {$50.00} minimum payment to be less than {$50.00} ; this occurred on my monthly statements from XXXX to XXXX. However, these same monthly account statements clearly show WFB took my entire {$50.00} payment into interest, in contravention to the payment allocation methodology you describe in your XXXX letter and in non-compliance with your Disclosure. My research shows the error results in Finance Charge overcharges, and an understated Annual Percentage Rate ( " APR '' ) for this account. I suspect your error may adversely affect many thousands of your similarly situated customers. 
As to the second of your XXXX errors, you again are failing to abide by your own Disclosure. In my using your BillPay functionality ( a service which you heavily marketed to me via email advertisements ) to remit off-cycle principal-only payments, your system inappropriately assessed an interest component. You acknowledge this shortcoming of your BillPay system in your XXXX letter, yet refuse to make necessary adjustments to my account ; rather you direct me to use alternate methods to remit my payments ( which flies in the face of how you marketed your BillPay system ; WFB disclosed no such limitations to me when I signed up for the service ). This error occurred on my XXXX and XXXX monthly statements ; my research shows this error results in Finance Charge overcharges, and an understated APR for this account. I suspect your error may adversely affect many thousands of your similarly situated customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: LoanCare mortgage servicing failed to provide/send updated mortgage servicing information to the stated insurance company despite receiving this information from my previous loan servicing company. Consequently, the homeowner received several bills for the home insurance premium. Furthermore, the home owner has an escrow account with LoanCare with more than enough funds in the account to cover the insurance premium. 

LoanCare has continuously engaged in egregious customer service practices, which causes the consumer/homeowner unnecessary duress as well as substantial lost of time and in some cases money as the consumer attempts to resolve the issue ( s ) at hand.

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 12-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This company has no XXXX in the state of XXXX and has no right to report on my credit report.. I called the Texas Department XXXX XXXX and regulations and they further verified that In Texas this company has no XXXX bond to collect in the state of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had account with XXXX 3 year ago with 3 numbers after leaving the company my account was $ XXXXbalance. XXXX also never sent confirmation that my account was {$0.00} balance after asking months after & years after years all till this day..Nothing! 


Recently I at looked credit report & saw there was an account of {$430.00} from DIVERSIFIED ADJ SVC from XXXX. I called & asked I was told that was a balance own from the last # on my account ending with XXXX moved but the new own could take care of the balance also on top of that they never told him that nor me XXXX just sent me straight to collection. Now my credit is being damage so badly now I can't get a good car insurance or purchase a new car for work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Equifax and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX Loans XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: When I went to check my credit report on XXXX during the month of XXXX I found that they had a delinquent account on my Macy 's credit card that I was 90 days late on a {$980.00} charges. I two years ago bought a mattress from Macy 's but paid for it in installment plans. When I called their Customer Service they said that a series of purchased were made online with their Company. I have never made an online or in store purchase in two year.

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 09/29/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: They have called multiple times at my job that I just started. I 've already been called attention due to this matter. Please I need help with this. XXXX her name is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed an item on my credit report with Equifax. I received an email that I can view the results of my dispute online. this dispute was by mail. I never received the result by mail and the only thing I am able to see is a number XXXX and that it was completed on XXXX/XXXX/2016. A screen shot of this is attached. I have no idea what the results of the dispute are and have gotten nothing. The dispute and attachments are also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: State Of California lien filed in error XX/XX/2012 was released also on XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below: 

XXXX	
90 days late as of XX/XX/2016

XXXX
90 days late as of XX/XX/2016

XXXX	
90 days late as of XX/XX/2016

XXXX	
90 days late as of XX/XX/2016

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax reportedly compromised my SSN, name, birthdate, address, drivers license numbers and credit card information. This occurred due to the Equifax inadequately secured this information in there database allowing this vulnerability to be accessed and made publicly available. Information about the breach was announced on Friday XXXX XXXX, 2017 and currently the company has only allowed me to view the information that my information is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The two collection accounts below are not mines. I have contacted both companies as well as the attorney general for the state which both companies do business in. 

COLLECTIONS 1.XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$5500.00} 2. XXXX XXXX XXXX {$3900.00} Closed

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 05/29/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Ally financial continues to report to all of the credit bureaus false information.   XXXX   &  XXXX  REPORTED ME FOR  XX/XX/XXXX 30 DAYS LATE. I am not 30 DAYS late ... .even if I am 15 DAYS late ... .that still is NOT 30 days ... ..STOP REPORTING FALSE INFORMATION! THEY FIXED MY HUSBAND 'S INFORMATION. BUT THEY HAVE NOT FIXED MINE. WE EVEN GOT DEFERMENTS ON OUR ACCOUNT AND THEY MESSED THAT UP. I am asking that all of the late marks be removed that does n't show true 30 DAYS or over ... ..include all of the deferments also ... .even the one that they approved late to try and make our account late to get extra funds. By law they are NOT allow 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 explanation