milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (WI).
Issue: Application processing delay

Complaint: the credit card issuer navy federal fabricated the credit card credit amount which was maxed out based on revenge for filling prior complaints regarding fabricated credit by navy federal and their agents and associates in fact. 
navy federal futher failed to return fraudulent payments of XXXX to a va inspecter related to the home mortage at XXXX. 
navy federal failed to pay back fraudulently stolen money from I pay global of over XXXX dollars I filed a fraud complaint regarding navy federal fabricated prior credit denials for mortgage on XXXX XXXX XXXX. 
my home XXXX XXXX which was corrected after my initial ftc complaint. then let the mortgage run out claiming my name was un would not be accepted by them as grounds for no va loan but my name was registered at va as such when done. also their agents refused to give me pr proper answers to questions regarding an inspection by a home inspector. 
this droping of the mortgage application by fraud of nfcu is used by them to now claim my fault credit card dbt high is my fault when theirs for fixing credit and mortgage application denial and denying subswquent XXXX on bad creted nfcu manufactured with prior budys at credit bureaus and others. 
futher the fabricating of credit by nfcu is equal to or higher than what is claimed owed on fabricated credit card debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (NY).
Issue: Struggling to pay your loan

Complaint: After making two payments the principal amount of the loan has not gone down. I feel I have been deceived because XXXX requires a new loan with each payment and the amount of payment I am scheduled to make does not get applied to the principal amount of the loan making it impossible for me to pay off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am victim of identity theft. Someone stole my personal information and identity. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are all unauthorized and fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient P.O. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AK XXXX XXXX XXXX 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 11/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Navient granted me forebearance several times due to my hardship caused by hurricanes and loss of employment. They also refused to accept a full loan payoff five years ago, and have refused to provide records and communicate by mail. I lost my records in hurricanes that took place in XX/XX/XXXX & XX/XX/XXXX. My account is paid up to date, but due to Navient raising the interest rates I still owe {$3200.00}, but the loan is now over 20 years old, I am a senior citizen living on social security. I believe that due to the raising of the interest rates that I have overpaid by thousands of dollars the original amount owed. Navient is not treating me well, I have tried to resolve the issues but I feel I have been taken advantage of by Navient, and they are not treating me legally or ethically in regard to how much I have been required to pay to satisfy my original obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Hi, NATIONSTAR MORTGAGE, LLC is violating my    California Home Owners   Bill  of Rights and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE,  LLC  and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for  XXXX /2017.   After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on     XXXX   XXXX   2017 . I  agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on    XXXX   XXXX  , 2017  and was delivered on    XXXX   XXXX    , 2017   which  they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on    XXXX   XXXX  , 2017    and was delivered on     XXXX   XXXX  , 2017     which they accepted and everything was ok as well. But after making those  two  payments I received letter in the mail saying that my   Loan Modification   was denied due to not making the Trial Period Payments. How can this be that after making  two pa yments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for     XXXX   XXXX  , 2017     (   XXXX /2017      ). They are clearly in violation of the California Homeowners Bill of Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX took over servicing my home loan on XX/XX/XXXX from XXXX XXXX ... Letter was sent XX/XX/XXXX stating to now pay XXXX per bankruptcy court starting in XX/XX/XXXX ... In XX/XX/XXXX XXXX became Green Tree ... I was now paying Green Tree till it became DiTech in XX/XX/XXXX ... My loan was a predatory loan from XXXX ... I alerted the Banking Lending Comission of Texas in XXXX in XX/XX/XXXX ... I became part of XXXX 's bankruptcy filings due to the fact of only {$50.00} going to the principal of my mortgage ... I found this out upon the death of my husband XX/XX/XXXX ... I have tried to get out of a 7.9 % loan interest ... but to no success ... I have applied to Green Tree and Ditech for a loan reduction mortgage rate ... still no success ... 
The road block is {$20000.00} taxes owed on my property due to a long story ... I have tried to have them put it on the back end of my loan and they pay the taxes but they say it can not be done ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XX/XX/XXXX : Logged in to my XXXX XXXX account online and updated my direct debit to increase the amount to be automatically withdrawn for my XX/XX/XXXX direct debit payment. Saved the confirmation that the changes had been successfully made for the direct debit payment scheduled for XX/XX/XXXX. No changes were made to the bank account used to make direct debit payments. Direct debit payments have previously been withdrawn from this same bank account since XXXX. This bank account had more than enough funds to cover the direct debit withdraw on XX/XX/XXXX. 

XX/XX/XXXX : Logged in to my XXXX XXXX account online to update my direct debit to decrease the amount to be automatically withdrawn for my XX/XX/XXXX direct debit payment. Viewed payment history and saw that the last payment had been withdrawn on XX/XX/XXXX. Searched my account information and could not find any direct debit payment withdraw on XX/XX/XXXX as scheduled. Checked the bank account the payment was supposed to be withdrawn from and no withdraw had been made. Contacted XXXX XXXX through their online messaging system asking that they address the issue and reverse any outstanding interest accrued as a result of their mistake. 

I am waiting to hear back from XXXX XXXX but this is not the first time they have made a mistake and mishandled scheduled payments. My interest rate is fixed only if I do not miss a payment. XXXX XXXX is jeopardizing my fixed interest rate and the fair payoff of my student loans with their irresponsibility, lack of transparency, and a broken online system that does not carry out payments as scheduled and confirmed. These types of mistakes are costly to citizens making great effort to pay off their student loans and should not be occurring. I do not trust, as a direct result of these issues, XXXX XXXX practices and policies. I will be looking into switching back to my previous student loan servicer, XXXX, which NEVER missed a direct debit payment nor misled me about how my payments would be handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have recently been informed that there is negative information reported by TransUnion, for a " Bankruptcy. '' I sent XXXX, ( who TransUnion reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. TransUnion received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. TransUnion did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.

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 02/26/2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Am late on a student loan payment which I just have not done the bills yet and it is under 30 days late. Navient gives my information to XXXX XXXX and they call every hour at least. I already told them it will get paid and to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Patenaude & Felix APC (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I did have an account with XXXX XXXX Credit card company on 2004 last time, I went in to hard financial times and I was not able to pay I believe was {$200.00}, now around 15 years later they are trying to collect {$1400.00}. According to a website ( https : XXXX ) they can not try to collect my debt after 4 years, in the last two years they have ceased ( frozen ) my bank account three times, by getting a judgment, so my question is ; do they have the right to do this after all this time? the case number is XXXX, and the issuing county is in XXXX XXXX CA. XXXX XXXX. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On Saturday, XXXX XXXX, XXXX, I attempted to deposit {$40.00} in cash to an ATM at the XXXX XXXX XXXX Wells Fargo in XXXX, NC. The ATM accepted my money, closed the deposit slot, then malfunctioned. The message on the screen stated that the ATM could not process my transaction. The money was not credited to my account, and the machine did not return my money. 

I called the customer service line immediately to file a claim. The person who assisted me was rude and did not seem to want to help. She told me she filed a claim, but did n't actually complete all of the information. On Wednesday, XXXX XXXX, the agent 's supervisor called me and told me they had not started to investigate my problem yet. Finally, the claim was filed, XXXX days AFTER I reported the incident. I believe the bank should incur a penalty for not starting the investigation immediately. 

On XXXX/XXXX/XXXX I called the branch where the incident happened. They said they could not help me. I called the claims department of Wells Fargo again, and they told that they are crediting my account. I will believe it when I see it. They also claim that they have 10 days to investigate. I am not sure why it takes so long to correct a machine malfunction. I am also not sure why the bank is refusing to pay me interest on the money that they kept without my permission for XXXX calendar days. Every single person I dealt with treated me like a nuisance instead of a customer. 

I have spent an incredible amount of time trying to get this problem resolved. I have been lied to, dismissed, disrespected, and treated like trash. I did n't do anything to create this issue, and I do n't understand why the bank could n't even apologize for causing me so many headaches. As of now, I still do not have the money back.

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 05-02-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with TCF NATIONAL BANK (IL).
Issue: Charged fees or interest you didn't expect

Complaint: First of all, when I got this personal loan ( consolidation of debt ) through TCF Bank   they setup my home mortgage account as collateral ( as a back-up in case I didnt repay back this loan ). I have had this loan for 10 years already and the loan amount hasnt really gone down, hasnt even made a dent to what is the outstanding balance. To top it off on my statements it always states an 8.50 % interest but I think its actually higher ( this occurred when  in 2008 I was  unemployed and missed a couple of payments ), but this interest detail was never stated when I took out this loan. The representative at the bank misled me with this information. Apparently the interest was always suppose to stay the same and not go up. I have many times tried to refinance this loan, bu t TCF Ba nk has always been difficult in doing this for me, they have setup alot of roadblocks in refinancing my loan. They have always given me a hard time in releasing the loan subordination letter, trying to talk and communicate with them is like talking to the wall.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage Company purchase my home loan approximately six months ago. My monthly payment is supposed to be {$1700.00} per month by contract. However, Nationstar constantly charges a late fee of {$10.00} when the payment is not in fact late. This is almost a monthly occurrence. The latest incident is for my XXXX 2017 payment in which Nationstar charged this {$10.00} late fee, but no details " why '' any payment was allegedly late. The XXXX 2017 mortgage payment was received by Nationstar on XXXX XXXX. I can only imagine how much money Nationstar has collected from other customers who did not question their alleged " late charge '' that was not in fact late.

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 EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information and I was listed as a potential victim according to their security web site following the recent hack. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My federal student loan was through Nelnet. I have since paid it off, but during the course of the loan, they almost never mailed me a bill, even after I sent numerous Certified Letters and phone calls requesting them to send the statements/reminders - that I had no problem with the payments, but needed the statements. I even submitted a complaint to the XXXX which also fell on deaf ears. As such, I frequently missed payments that were not a problem for me to make financially, but caused major harm to my credit. My resolution was finally to just pay the whole balance ( not easy for my family but it was necessary ) so that I could cut ties with Nelnet. I believe this is their primary job : to properly bill their debtors and help them pay off their loans in a manner which keeps all sides satisfied. It should have been easily resolved by Nelnet but now it will be my ongoing problem for the next 7 years on my credit report, attempts to purchase a house, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: XX/XX/XXXX payment made. Company credited account for bill on XX/XX/XXXX. Credit for payment was revoked on XX/XX/XXXX. I was not notified of this. Charged NSF check fee by lender on same day. Late fee was added to payment two days later. Company contacted me on XX/XX/XXXX to tell me payment was late and my credit score would take a hit if I didnt pay it. 

Lender advertised same day ACH payment services. When I contacted the lender, I was originally told it was due to my account at the bank being insufficient. After explaining that I work at the bank and offering to show statements, I was told that they could open a ticket to reverse part of the fee, but that I would receive no help on the other portion. Transferred to manager after 15 minute hold. Manager agreed to open a ticket to return a larger portion of the fees, but Im still docked the other portion. 

Company uses XXXX XXXX to process ACH payments and it can take up to 12 business days to receive credit for payments. I asked how I could make my payment and it post in a reasonable amount of time. Payment can be made through POS system with clerk for {$10.00} convenience fee, or online for a {$2.00} convenience fee. This would not be waived either. 

Im still being charged two fees, one to make my payment so that they will not take negative action against my credit, the other for a late fee because the service isnt as advertised. 

Fee structure, payment options, payment processing delays, and lack of communication to consumers seems intentionally deceptive and abusive. The only way to know your bill is paid is to pay a fee. The free method can result in over {$40.00} of charges ( which is greater than 20 % of my note ) due to a processing error.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian isnin violation of my rights. To jave a debt collector not to harrass my and allow me to deal only with the original creditor which os a. Violation of the FAIR DEBT COLLECTION ACT, THE UNIFORM COMMERCIAL CODE, and On XXXX XXXX, 1933, Congress passed XXXX ( XXXX ) XXXX. HJR XXXX was passed to suspend the gold standard and abrogate the gold clause in the national constitution. Since then, no one in America has been able to lawfully pay a debt.

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 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants Credit Corporation (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Merchants Credit reported to XXXX a collections debt that was not mine without ever contacting me to verify if the debt was mine.

Company response to consumer: Closed with explanation