milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After leaving from XXXX, my payments for both XXXX and Navient began to kick in. At the time I was making an annual salary of {$47000.00} and living away from home, in XXXX I took the time to calculate my cost of living which included my rent, groceries, public transportation to work, and monthly loan payments to several lenders ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and Navient ). After reaching out to Navient to try to lower my monthly payments, since I would rarely have enough money to eat after paying, I was told unless both my consigner and I could not afford it my only choice was a forbearance. Being that my father is my consigner and I did not want to burden him with my payments. The way the forbearance was communicated by the Navient telecommunications person was very misguided. He made it seem as if it was a small grace period that the company allowed for their customers in order for the customers to find some other alternative if they could not afford said payments. There was never any mention that by accepting forbearance you penalize yourself for at least 12 months without any chance of being able to refinance your loans with another party. This is just one example of what this company has done to prolong my time in debt to them. They are constantly penalizing me with interest payments that I do n't understand. Until now I still can not make payments on time since my salary simply does not allow for it. Unless I was to starve myself or walk an hour to work everyday I will never be able to afford these payments. My life has become full of XXXX because of companies like Navient and XXXX XXXX. I look forward to the day I can refinance with another more trustworthy institution. No one should have to live this way.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Management Solutions (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XX/XX/2015, Financial Management Solutions, a collection agency, contacted me on my personal cellular about an outstanding debt they claimed I owed. Among other things, they failed to send me a 'Dunning Letter '' within 5 days of contact in regards to their attempt to collect the debt they insisted I owed which would have allowed me my right to dispute within 30 days, as well as violates my rights under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]. In addition, Financial Management Solutions also violated the Fair Credit Reporting Act, by reporting this debt to the Credit Bureaus before allowing my 30 day right to dispute period.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX XXXX : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 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 explanation
Consumer complaint received 02/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am not given any information when I need to renew my repayment plan, I am just sent a very large bill that I cant pay. When I contact them to have the issue fix, I get a run around, am given information to sign up for programs I do n't qualify for, throw into " forbearance '' so they cant still collect interest while hopefully fixing the problem. I have even made a payment a few years ago on a small amount that they say was for some reason not included in my consolation. I now have it on my credit report as default .... I do n't have the proof of payment as it was much later I found out they did this! Very bad company to deal with. Rip you off every chance they get.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: IQ Data is trying to collect on a bogus water bill from when I used to live at an apartment complex called XXXX XXXX in XX/XX/XXXX. They say I owe {$280.00}. The apartment had XXXX proof of this debt. My water bill was like $ XXXX {$30.00} dollars per month and I added it with the rent. I move out when lease ends and they want to charge crazy amounts for water. I got it removed from my credit report in XX/XX/XXXX and here it is over XXXX years later and IQ Data keeps calling me and using unprofessional techniques. I say it 's not even on my credit and was removed. They say do n't care and I need to pay. They say it 's only {$280.00} and do n't I work? Very rude and bullying, trying to collect on something that I already proved I do n't owe and was removed years ago. I feel like suing them at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX, I went to a car dealership to discuss getting a new vehicle and trading in my existing vehicle. When running # s, I was told that my vehicle has no trade value as it was involved in an accident. According to an XXXX report from Experian, my vehicle was listed as having been in a " Multiple Impact Collision '' on XX/XX/XXXX. I was never in an accident in NY. I called the XXXX County Police XXXX Precinct Auto Accident Clerk 's office and the records department and both confirmed that there were no records of an accident under my name or the accident report number cited in the report. The false information has monetarily hurt me.

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 01-04-2017 about Debt collection (Federal student loan) with Performant Financial Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they say my federal student loan defaulted, so XXXX XXXX, a state agency, paid a default claim, title, and interest. I have not received any notices before, nor do I recognize this loan. All my students loans are under defferement with XXXX. As a result of this, any state tax refunds, rebates, contract wages or other amounts owed may be retained in full.

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 08/26/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I attended XXXX XXXX in XXXX, Ca and had private student loans through Genesis Lending Services ( that have now been taken over by XXXX ). I want to verify if my loans should have been a part of the settlement made in XXXX 2015.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Equifax was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: Bank Of America XXXX loan XXXX ) was servicing my home loan when I file for Bankruptcy on XXXX XXXX, 2012, I never stop paying my mortgage with B Of A or XXXX I was informed by Bank Of America andXXXX XXXX If I pay my mortgage off they would file a update with the credit bureau. XXXX has remove this information from all four major credit reporting agencies. I have sent B Of A over six request ask them to file a Automated Universal Data Form ( AUD ) to all four major credit bureau, to have this information remove, and they keep send me letter that myloan with XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received in the mail yesterday, XXXX a statement, which looked like junk mail. I give the junk mail to my niece to play with. When cleaning up after her, I caught a glimpse of this paper from Midland Credit Management ... saying they are a debt collector and I have to XX/XX/2016 to pay off this debt or legal action will take place. Its states, Original Creditor XXXX XXXX I called XXXX XXXX and was told my account was written off 5 years ago and I owe XXXX XXXX. They stated it could have been sold to a third party. I received a called from my niece 's grand mother XXXX years old, two weeks ago stating someone had been calling her home looking for me ... I do n't even now this lady very well or never used her or her family as a reference ... had to instructed her not to give any information out ... why would you harassed an XXXX year old woman. Apparently they did file a suit in another state against me without my knowledge. There has been zero contact with this company except for this junk mail letter ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a debt with transunion because a collection agency and a creditor report the same XXXX debts. Transunion dont remove any of the entries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Overlimit fee

Complaint: I was approached by the manager of wells fargo bank and incoureged to astablish credit with a bank card .told to put XXXX in asecured account, plus XXXX annual fee, which iwas under the understanding that was an annual interest. After a few months paying back i owed about XXXX XXXX i made a payment of XXXX for the month .XXXX XXXX i missed makeing aminimum payment. On XXXX XXXX XXXX iam out of the rest of my account .They goobbled XXXX that quick, I am outrqaged at the robbery of this institution. I was talked into doing this against my wishes .They scammed me and i wish they had just left me alone with my debit checking account. .i am one of those customers they took to the cleaners last year. 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 monetary relief
Consumer complaint received 11/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Other service problem

Complaint: Company wont let me link bank to other sources, to obtain money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: As part of ongoing disputes wih Equifax, where no such dispute was XXXX with FRAUD - Equifax inserted a FRAUD statement on my report - and then sent/shared it with XXXX and XXXX. 

The statement is wholly inaccurate, and not in any way shape or form warranted. 

Please remove this statement from my reports - and then - request that the same CRA 's you shared it with - as you ARE the owner, remove the same. 


" Company respondedXXXX said : Explanation of closureIn order to protect your privacy, we have mailed an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 
ReliefWe received your complaint about the Initial Fraud Alert in your credit report, and apologize for any difficulty you may have experienced. Initial Fraud Alert identified in your complaint has been deleted.. 
DisputeResponseWe have reviewed your complaint along with the information you provided regarding this issue. In response to your request on XXXX/XXXX/2015, we received a request from Equifax to add an Initial Fraud Alert to your XXXX credit report. As a result the alert was added and a notification was sent to you via mail on XXXX/XXXX/2015. Please be advised under the guidelines of the Fair Credit Reporting Act, " Each consumer reporting agency that receives a request to add a fraud alert or active duty alert from another consumer reporting agency shall add the alert as though the agency received the request from the consumer directly. '' At your request we have deleted the Initial Fraud Alert from your XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (MA).
Issue: Charged fees or interest you didn't expect

Complaint: Was told my payments would be XXXX but the withdrawal was XXXX, and if i had known i was being lied to i wouldnt have went through with it

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 Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Struggling to pay mortgage

Complaint: I have had NUMEROUS calls from my mortgage company, Wells Fargo whom I 've been a good loyal paying customer with for over 10 yrs. I got laid off from my job that I had when I applied for the loan. Shortly afterwards my husband passed away. I 've struggled ever since then. Wells Fargo  knows all this, I called to let them know. I got behind on some payments last year but got caught up. They did nothing but harass me the whole time but I let it go. I got behind  1  payment in  XXXX  last year and again they 're harassing me by phone because I 'm still behind. I 've had numerous calls from them day and night and while at work. I work with the  XXXX  in their homes and I was getting calls from them in front of my clients. I got approx.160 calIs since  XXXX . I do n't have exact number of calls but I do have phone records since  XXXX   XXXX  of this year, which I can definitely say I 've ha d 28 c alls since then. This has been going on for almo st 6 mo. B efore all this happened to me I never ever missed a payment. Also I 've been making over and above the normal payment to get caught up and I told them that but they wo n't stop harassing me. I can provide proof of harassing calls and proof that I 've paid extra to get caught up, upon request.

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 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed bankruptcy in XXXX 2011 and my XXXX XXXX XXXX XXXX was included. I did not reaffriem with XXXX XXXX XXXX, but i have been making on time payment since inception of the loan, which has not been reported to CRA.

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 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, Thank you for giving time reading this. 

I have paid off my entire debt with Chase Bank but at the end they have charged me an interest fees which they shouldnt as I hav paid off my credit on or even before the due date. 

I have called them and they said we can not remove this. 

Its an abuse and please help me. 
I paid on the due date of XX/XX/XXXX ( they posted it on that date ) And the due date is XX/XX/XXXX amount of {$87.00} I called them today as I have received the statement with this amount XX/XX/XXXX. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with CITIBANK, N.A. (RI).
Issue: Other fee

Complaint: I had applied for a Citi bank secured credit in doing so to try to and rebuild my credit! Citi bank had denied me. Then approximately three days later I get an email saying my application was under review ... ... so a week passes fast foward to today XXXX XXXX, 2017 I check my XXXX XXXX XXXX checking account and I see Citi bank took out {$300.00} for a deposit for the secured card! With no notification no call no email saying that they were going to be doing so the money was withdrawn!! I called customer service and they told me that my applicatioin is still pending?? But yet You first told me it was denied I completely understand if it was denied no problem ... they continued to take the deposit of amount of {$300.00} from me though even though now supposedly the application is being overviewed! I advise the lady I spoke to cancel my application because I had moved on from this secured card last week! I just want a full refund for my {$300.00} which has now put me in the negatives in my checking account because I had no idea it was coming out! Customer service told me it could take anywhere from 2-3weeka for me to get my refund because it has to go through a cancellation request? That 's unacceptable and unfair!

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 04-06-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans took over the servicing of XXXX called XXXX XXXX, XXXX, from XXXX XXXX XXXX. XXXX XXXX, XXXX filed for bankruptcy on XX/XX/XXXX, got out of it and case was closed on XXXX. Caliber refuse adamantly to send 'Payment History ' refuse to send 'Escrow accounting ' but request that XXXX send about {$6000.00} without any justification.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt to pay I was never in the hospital

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 03-08-2017 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Billing disputes

Complaint: I open a credit card in the store with Target two years ago I have not received a statement since. Then I received a letter from a collection agency stating I owed {$290.00} when the original charge was XXXX. I explained that I never received any statements Target mailed me copies of the statements that they received back return to sender because Target had the wrong address for my home address and instead of calling me two years ago to correct the situation they just ignored the problem. When I called target they told me the account was no longer with them to call the collections agency I called the collections agency and they staid to call target back and forth for days with no results. The last person I spoke to was XXXX employee id XXXX she told me there is not anything she could do that I had to pay the total amount I feel this is a bank error and I should only have to pay what the original charge was {$44.00} Target was rude and did not try to assist me in anyway. XXXX said over and over again that Target will not settle the amount when it is a bank error and it is affecting my credit reporting the wrong balance

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with Russell W Richardson, Attorney at Law (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Dfs legal service called XXXX family members discussing my personal business with them, scaring them into thinking I was going to jail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation