milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have several problems with Navient in handling my student loans. 
1. My original loan amount was {$4400.00}. It is now up to {$76000.00} due to the company encouraging me to apply for a forbearance or " hardship '' deferment. 
2. I have made several payments ( via different methods i.e. online, over the phone, mail ) and they have either applied the wrong amount to my loans, or given me to wrong amount to pay, or charged a late fee for a payment that was not late. 
3. I was not told that I need to renew the Income Based Repayment Plan I was on and therefore my payment was changed and then charged as late. 
4. I am supposedly reported to pay {$500.00} a month. Only {$100.00} of that goes to principle and the remain {$400.00} goes to interest. 
5. When I have been late on a payment they have called my parents, cousins, and even ex-husband asking for them to make a payment. They have called exactly 21 times in one day ; oftenn one call right after another. They call as early as XXXX on Saturday and Sunday mornings and then as late as XXXX every night of the week. 
It seems like the more I try to pay and stay on top of my financial obligations with them the more they charge me or effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: APR or interest rate

Complaint: I applied for a Home Depot Credit Card because it said that they offer no interest for 6 months on purchases over {$290.00}. I bought carpet for over {$3000.00} and they are charging me interest even though I have made my payments. They say that I can not get the " no interest '' promotion because the store gave me a XXXX % discount at the time of purchase. Their full page XXXX ad and small print at the bottom says XXXX about the fact that you ca n't have any additional discounts and the store did not advise me of this. Their practices are misleading and deceptive.

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 09/24/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am on income driven repayment plan, and is set for autopay. During this period I would make excess payment hoping it will be applied to my principal, but instead my provider kept on pushing the due date. Right now I am on paid ahead status according to them. When this came to my attention I tried contacting themseveral times through email requesting them to reallocate my excess payment to my principal with the highest interest instead of pushing my due date. They wo n't do it stating the payment has already been applied even though I do n't see any changes on my principal. I want CFPB help me resolve this issue. I feel I have the right to make the decision where my money is applied. Great lakes is my provider

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I booked a hotel room at  XXXX   XXXX  for  XXXX / XXXX / 2017 . I canceled the room and got cancellation letters with a cancellation number. I was charged {$150.00}. I am still being charged after the cancellation. My credit card compan y, Wyndham Rewards Visa, opened a dispute case and closed it, stating that I stayed at the hotel. They ar e denying to take the charge off of my account. Their statement is n't true and I have provided them the prove that their statement is n't true.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: credit bureau is consistently reporting the wrong personal information. I have faxed over ss card, ID, bills, etc to get information corrected nonetheless they are continuing to report incorrect information. The incorrect reporting is hindering me from obtaining credit.

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 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My balance on my car loan with XXXX XXXX is incorrect. He supposed to be {$6600.00} and the amount reported is higher. I want Experian to reported the correct amount due on my car loan so my ratio is not so high.

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 04/13/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All my accounts have been paid as agreed, there is a mistake on a XXXX XXXX XXXX account # XXXX I need this corrected ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (FHA mortgage) with Empire Financial Services, Inc. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In  XXXX  we started the loan procees with empire financial. The agent was   XXXX   XXXX  . After a month, my husband an i found   XXXX   to be unresponsive, present false information and used harassment to try to gain documents from us. We found another lender and authorized a switch.  XXXX  then proceeded to call my work, cell and email me repeatedly. He then proceeded to harass my realtor and threaten her. He said he would hold the fha loan and keep it alive on his end. He would not release it to the new lender. For a month now my new lender has requested the fha case file 4 times.  Empire  refuses to release it and fha itself is trying to help. This is illegal. I also recieved a application release form from  XXXX  so they should not be holding this file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (Government benefit card) with CITIBANK, N.A. (NV).
Issue: Unexpected or other fees

Complaint: I believe that Citibank has violated us our rights and protections under the Servicemembers Civil Relief Act ( SCRA ) by charging exorbitant fees and interest for a disputed charge on his government-backed Citibank credit card while my husband is XXXX overseas. 

In late XX/XX/XXXX ( around XX/XX/XXXX ), my husband was XXXX to XXXX. This XXXX happened very quickly and unexpectedly, and it occurred while my husband was in the middle of a permanent change of station ( PCS ) move. My husband used his government issued Citibank credit card to cover the costs of his PCS move. 

In late XX/XX/XXXX, after I reviewed my husbands statements, I discovered that he was double charged for a move-related expense. A merchant charged us twice for the same bill : first on our debit card and the second charge was to his government-issued Citibank card. I was not sure how to respond since the card was under my husbands name and was the responsibility of/tied to my husbands unit in the XXXX ( his unit is based out of XXXX XXXX XXXX ). At the time, and even as of this writing, my husband and his unit were inaccessible because they were deployed and in special training.

In late XX/XX/XXXX, I made a payment in the amount of {$140.00}, which was the true balance that was outstanding ( i.e. the payment did not include fees ). I thought it would be best to pay the principal amount even though it was in dispute and file a dispute when my husband returns from his XXXX. 

On XX/XX/XXXX, I sent a certified letter to Citibank indicating to them that : 1 ) my husband was XXXX and that under the SCRA they shouldnt be charging fees or interest while hes XXXX ; 2 ) the amount citibank used as a basis for exorbitant fees was being disputed. Unfortunately, Citibank proceeded to garnish my husbands wages. 

My husband has spent hours trying to resolve this matter, however, because he is XXXX, he has limited access to resources who can help. Additionally, this has added unnecessary stress on my husband. We believe that Citibank should not charge any fees or interest while my husband is XXXX, and we believe that Citibank should return all the money theyve garnished from his wages ( about {$700.00} ). Finally, we believe we are entitled to punitive damages.

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 12/28/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I purchased a new home in XXXX, FL in XXXX at the address of ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I paid {$230000.00} for the home. I could only finance {$140000.00} at that time with XXXX XXXX so I financed {$35000.00} with XXXX XXXX which is the builder of the home, I put {$60000.00} down to XXXX XXXX and {$35000.00} down to XXXX XXXX ( the builder ) leaving a balance of {$140000.00} to finance the home. I have a deed that proves the {$350000.00} was paid-off in XXXX leaving me with only {$140000.00} balance to the lender. 
About ten years into the loan I borrowed {$42000.00} for a small business loan that I incorporated into the original mortgage and still maintained one mortgage. 
The issues began when my mortgage was being bought out by three other loan companies which includes my original mortgage company XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and finally Ocwen Loan Servicing (  current lender ). 
In summery, without my knowledge the factuality information about my loans being transferred from one to another were without my knowledge or my consent. All these transfers were raising the mortgage amount and the payment amount as they were bought out beyond my control. With all the issues that I have been dealing with made me do a lot of extra research and I have found out that all the listed lenders ( excluding XXXX XXXX ) are in class action lawsuits and being sued for fraudulent actions, such as over charging for forced insurance, causing sales of homes and placing people in foreclosure. 
This was severely doubling the loan payment and increasing the mortgage as consumer fraud as it was being bought out from lender to lender. There is no proof in this matter that says I am responsible for all these added amounts and fees and where they came about. 
Please assure me by my request, signed modification agreements and by my allegations that this is of fraud and Im correct. I can show proof of the original mortgage amounts. 
Please assist me by helping me resolve my issues by reviewing my original note which I have showing I paid {$230000.00} for the original mortgage, and {$1200.00} payments, giving the {$60000.00} to XXXX XXXX, {$35000.00} to Banner Homes and having a remanding balance of {$140000.00} owed in which I have been paying on since the purchase of the home for at least 24 years. 
Respond to me by carbon-copies who is resisting me on these recurring matters. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX CELL : 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 04/14/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX, I contacted Financial Control Services about accounts on my credit report. A trade line in the amount of {$840.00}, an account which was paid in XX/XX/XXXX through a settlement from an automobile accident, reflected as a collection account. This account was settled in XX/XX/XXXX by the attorney that handled my case. The trade line continues to reflect on my credit report, The company still has not removed the trade line from my credit report.. The line should be deleted from my credit report as this should have never been reported as a collection account. This has damaged my creditworthiness since XX/XX/XXXX. 

Additionally, this company also reflects other accounts I have no knowledge of. Therefore, on XXXX XXXX, XXXX, I mailed a letter to them requesting verification and/or proof of debts showing on my credit reports as being owed by me. To date, they have refused to provide me with proof and the company has refused to delete the trade lines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: These problems are wit h Jared The Galleria O f Jewelry.  <P/> First, when I applied for the credit account, I was told the credit check would be a soft hit. It was a hard hit. They lied.  <P/> Second, I have received no information about how to pay down my account. Logging into their website and clicking on  " My Jared Card '' brings me to a page with recent orders, nothing to do with the credit account. When I contacted Jared via chat, I was told my address in their system was incorrect and they needed my birthdate to verify. When I provided my birthdate, I was told the date was incorrect as well. I was then told I needed to fax my state ID card to them. This is 2017, I do n't know where a fax machine would be, or how to use one. Additionally, I was told I needed to provide my account number when I faxed them. Trouble is, I do not know my account number and they wo n't give it to me since the information they have on my account is incorrect.  This is a circle of illogic.  <P/> I was also told I could visit my nearest store. The nearest store is prohibitively far away for such a trivial matter.  <P/> Finally, when calling their  XXXX  number, t  he automated system keeps saying " Sorry I did n't get that '' and will not connect me to a human.
<P/>
Jared messed up and now they are preventing   me from paying my debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2016 about Debt collection (I do not know) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a new telephone number when I bought a house last spring. Obviously, the persons before I got this number owe everywhere. I received LOTS of calls for them and most companies have quit calling. However, ERC keeps calling and leaving automated messages regarding a debt. I have spoken with them NUMEROUS times to remove my number. Even being polite with them, I have been ignored and hung up on in mid-sentence. I do n't know what else to do. This is absolutely not my debt and I have no idea who the people are they are trying to reach. Again, the company is called ERC. Their number is XXXX, and the reference number they left is XXXX. My phone number that they keep calling is a landline XXXX. I work out of my home and I use this line for business, fax, etc. Please help me stop these calls because I do n't know what else to do! It has taken valuable time out of my work day every time I have to answer, call back, delete messages, call them back and so on and so on. This has been going on since XXXX 2015. Just got called again this morning. 

Thanks and have a great day. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX Dear XXXX XXXX and or XXXX XXXX : On or about XX/XX/XXXX I contacted XXXX XXXX about misinformation the company made and placed on my credit report. I disputed the information and contacted the DAC, ( Delinquency Assistance Center ), a XXXX third party partner. I spoke with XXXX who told me XXXX had provided the information I was disputing to XXXX, XXXX and Trans Union.
Specifically, XXXX said XXXX reported as of XX/XX/XXXX I was more than 120 days past due on my mortgage. That information is untrue. XXXX also said XXXX XXXX  and or XXXX policy is to report mortgages as delinquent or late even if the mortgagee continues to make payments which I did after contacting XXXX to request mortgage assistance.
I was approved for a reduction in payment plan in XX/XX/XXXXand thereafter placed on a modification plan with a 3-month trial payment period that I paid as agreed. Nonetheless XXXX reported to the credit agencies I was 120 days delinquent in XX/XX/XXXX. I believe incorrect reporting violates the Consumer Protection and Fair Debt Practices Acts.
Any payments not made on my mortgage occurred because XXXX  instructed me to not make payments until after my modification was completed. I did as XXXX instructed. I want my credit reports corrected and future reporting to be accurate as according to law. I want a statement from XXXX explaining its policy with supporting legal documentation.
I look forward to hearing from you.

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 06-03-2017 about Student loan (Private student loan) with AES/PHEAA (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: As of XX/XX/2017, I am paying 44 % of my post-tax income to servicing my student loan debt. This figure balloons to 90 % after calculating my living expenses. My private student loan payments are {$1000.00} per month. I am an XXXX, making a decent salary, but this burden is unsustainable. I am often unable to afford basic living expenses, such as a haircut or money for laundry, because of these monthly payments. My loan holders, XXXX and XXXX XXXX, have not offered any options that are feasible ( even offering a $ XXXX monthly  reduction for six months and then increasing the payment for the following 6 months by {$70.00} ). My only option is to refinance, but I find myself in a catch-22 : I need to lower my student loan payments to reduce my credit card debt ( which I incurred as a result of having to use the cards to pay for groceries, public transit charges, and other basic necessities due to the high student loan payments ) in order to pay off the debt so that I can increase my credit score to qualify for a refi, so that I can-you guessed it-reduce my student loan payments. My cosigner is my now-XXXX year old grandmother who lives on a fixed income. I am at the end of my rope, and have nothing but a bleak outlook for the foreseeable future unless I can find some sustainable relief on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My credit card acco unt ( PayPal through Synchrony Bank ) is se t up with automatic electronic payment. On  XX/XX/XXXX  an automatic payment of {$3300.00} was transmitted to Synchrony Bank as payment in full on the balance of ou r PayPal acc ount. In  XX/XX/XXXX , the transmission of the  XX/XX/XXXX  payment was documented on the credit card statement. It was also reflected on our Checking account statement. On  XX/XX/XXXX  another entry was made to our  PayPal   credit card statement reversing the {$3300.00} payment, however no such entry appeared on our checking account statement. In  XX/XX/XXXX  we called Synchrony Bank and tried to resolve the issue. They said that our bank took the payment back. We contacted our bank and they said no they did n't. We have made multiple phone calls to Synchrony Bank asking where the money is and have not been able to resolve the problem.  XX/XX/XXXX  I sent a letter with a spreadsheet showing that all the payments have bee n made.I d id receive a letter from Synchrony bank on  XX/XX/XXXX  saying that their records show that the payment to our account was applied twice, so I see another entry on the credit card statement showing the  XX/XX/XXXX  entry ( that was a debit of {$3300.00} originall ly ) h as now been changed to a credit of {$3300.00} and another entry on  XX/XX/XXXX  of {$3300.00}  ( de bit ) was also entered. Out of frustration, we have closed this PayPal account. By changing the debit of {$3300.00} on  XX/XX/XXXX  to a credit of {$3300.00 } ( a lso on  XX/XX/XXXX  ) a double entry has been made. They have netted my payment to  XXXX  with the  XX/XX/XXXX  entry. We do not owe this amount. They need to find where they have put the money. To make matters worse, we have been reported to a collection agency. I have added documents showing we paid the bill, that Synchrony Bank received the payment, and all my monthly statements showing no reversal of the money has been put back in our bank. I have also included the summary showing the bank changed the credit to a debit and then reversed it again  XX/XX/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 04/25/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF CITI ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE ACCOUNTS.

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