milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 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: I was full time in college for four years 3 and a half hours away from home and was not working because I was in school full time. I got the loans through XXXX XXXX in which two of them were then turned over to Navient (I had no idea). All of a suddent, I randomly started being harrased via telephone stating I had to pay X amount of money OR ELSE. This happened about twice a day for maybe 3-4 months. They would call asking for my credit card information which I never gave because they never sent me anything via mail as requested before I just went and gave out my credit card info. Eventually, I received a letter from an asset management stating my 2 loans totaling close to $XXXX were WRITTEN OFF and my credit became a XXXX. I never started to build credit and when I went to go get a car loan was denied because of the charged off loans. I am now XXXX years old and can not get a car or an apartment because of my student loan WRITE OFF. Obviously I would have paid the payments six months after graduation as that is what I signed up to do. I try to contact Navient because the Department of Education is stating they have my loans and after waiting for almsot half an hour EVERYTIME to speak to someone at Navient, they say they have no record of anything for me. I even just received an email from Navient on XX/XX/2017 seeking payment but when I call they have no information. I do not know where to turn or how to get help. I feel so lost due to this issue and literally can not even move out or get a working car because of this. SOMEONE PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Credit card) with Allied Interstate LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Allied interstate llc contacted me by mail trying to collect a debt that was already paid. The credit card company in question went bankrupt and was sued for bad business practices. The card was a secured card. When the account was closed the security deposit was used to pay the debt but they would hold closing the account for 2 months and let it incur fees then close the account later. XXXX was put out of business for those practices.

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 07/30/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service ((CD) Certificate of deposit) with POPULAR BANK (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a CD account with POPULAR XXXX on XX/XX/2016 online. Towards the end of session online I was told that I should be receiving a welcome package with signature card in 5-7 days. On NOT receiving the welcome package and signature card I have been calling POPULAR XXXX and each time I was told if I did not receive the welcome package and signature card in 5-7 days, I should call them. Since then I have telephoned POPULAR XXXX on XX/XX/2016,XX/XX/2016 and XX/XX/2016 for the welcome package and signature card. Still I have not received them. I like to receive the Official CD either online or by mail. I need your help in completion of signature formalities and my Official POPULAR XXXX CD for my account. Thank 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 08/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Rewards

Complaint: I transferred XXXX WorldPoints from my Bank of America VISA card ending in XXXX to my Fidelity XXXX card ending in XXXX on XXXX XXXX, 2016. This is during the transition from Fidelity XXXX ( managed by FIA card services ) to Fidelity VISA ( managed by XXXX card services ), and I think it might have messed up my points because I still have n't seen these points after myFidelity XXXX ( ending in XXXX ) was transitioned into Fidelity VISA ( ending in XXXX ) on XXXX XXXX, 2016. The advertisement on the website said the points should be immediately available after the transfer, and however many points left on the old Fidelity XXXX card would be automatically available on Fidelity VISA after XXXX XXXX, 2016. 

I contacted both Bank of America and Fidelity for this issue, and they basically blamed each other. Bank of America claimed the points were already transferred over, whereas Fidelity claimed they had no way to see those points.

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 05-06-2016 about Debt collection (Medical) with Peter Roberts & Associates, Inc. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This Collection agency is at it again. I had previously submitted a complaint on XXXX XXXX XXXX. Which resulted in my favor. Quick refresher in XXXX XXXX I went to the hospital. 
The hospital made a mistake in the billing. They billed my insurance but did n't reflect it in their system. My insurance sent them a check, it was never cashed. I kept gettign bills for the full amount. 
Hospital would not talk to the insurance company to resolve this. Insurance company policy needed the hospital to talk to them to resolve the issue. I get caught up in life and forget the situation. 
The bill goes to collections. XXXX XXXX I get the first phone call. I express doubt about the whole thing. Right there is the first mistake of this agency. I never got anything in writing about the debt five days after that call. 
I go through my records and check my insurance claims see the amount that was told to me and the cut check. Call the agency back within the hour of the first call. I explain the situation. 
I do not owe the full amount this is why. The man on the agency end gets flustered and says he has to talk to the hospital. About a week later he calls me back and says the hospital has no idea and tries to get me to pay. 
I reply I 'm going to call my insurance company. I call and find out the check was never cashed. I call the agency back give him that information. 
He then asks to speak to my insurance company, I agree and give him my member id and the XXXX number. I never hear from them again. 
Now the day before I placed my first complaint. They put negative accounts on my credit report with XXXX and XXXX. After that complaint they were removed and I got my first letter from them stating said items were removed. On XXXX XXXX the new check from my insurance company was cashed by the hospital and a new bill was sent to me. On XXXX XXXX this collection agency yet again put a false amount without noting to transunion that the account is in dispute on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Were all aggregated and Discharged via XXXX under account XXXX XXXX XXXX XXXX XXXX and are to be expunged from consumer credit report. The debt was transferred and then the remaining balance was completely discharged due to reoccurring illness first documented in XXXX 2007, however due to HIPAA laws in effect select details will NOT appear in public portion of consumer credit report. any such violation will result in fines and fees.

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 07/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I was added to a Wells Fargo account in 2013 and I was not the signer of a bad funds check yet I was added to   XXXX   XXXX   I should not ber liable for this account

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Put in a deferment and they say never got it. Have done it three times now and still say nothing but you owe and need to pay. Also was XXXX that 's why I could not Finnish out the semester. But still got charged for the whole thing. No one will help

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Problems caused by my funds being low

Complaint: I was at the hospital on XXXX/XXXX/15. I knew I had a check still out for XXXX. I had a check that needed deposited but didnt think I would be done in time to get it there. I called Regions bank and they assured me that my account was not in overdraft and looked fine. There would not be an issue. This morning I woke up to XXXX worth of OD fees charged to my account. When I called and spoke with them they said that they couldnt see the checks coming through. I then asked why did they clear first if they were the last things to show up? She said they pay the higher amounts first and it trickles down. I explained that I was told yesterday bu XXXX that my account was fine. She said I was the only one who knew about the checks and there was nothing they could do. I have a real problem since I had money that could have been deposited to avoid this but I was told it would be ok. Also, because the checks coming through that werent seen were paid first. If they had gone in the order they received them I may not be so upset over the XXXX check fee but this is ridiculous. They say its ok and process however it profits them. I understand they are a business but they are a crooked practice that is unwilling to work with a customer that has been with them for year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I filed a dispute with XXXX regarding yet another account that is in collections in XXXX, which is due to stolen identity and the result was that XXXX is continuing to list this account as mine on my credit report. 

I have had identity theft going on for over 2 years and I am just beginning to restore my credit and now it starts all over again. I am very weary of filing complaints, disputes, affadavits, sending registered mail, faxes, numerous phone calls etc, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I received an escrow analysis from Nation Star Mortgage saying I will have a shortage in XX/XX/XXXX so my payment will be raised. While reviewing disclosure I stated in XXXX XXXX no escrow was taken. Actual Payment stated o amount. 
On actual balance between XX/XX/XXXX and XX/XX/XXXX show same amount in XX/XX/XXXX and XX/XX/XXXX. I know I paid the {$180.00} which is the monthly escrow amount because my mortgage payment XXXX was exactly the same. 
When I called for explanation the rep. said yes I paid but could not explain why statement shows XXXX paid in XXXX. 
She said she would sent a record of mortgage payments made. I do not trust Nation Star Mortgage. They have a XXXX rating with XXXX. They are not certified with XXXX any more. 
They also sent me a PMI disclosure statement saying they were taking PMI from me but when I called they said no they just sent these to everyone. 
In XX/XX/XXXX or XX/XX/XXXX I applied for Homes Made Affordable. 
First they said they lost my paper work. 
They had purchased my mortgage from XXXX. They told me I was behind a payment with XXXX which I was not. 
they also said my escrow was short. When they finally approved homes made affordable loan my payment only went down {$16.00}. a month. I contact the state of WI they found I was supposed to receive {$1000.00} a year for 5 years for making my payment on time. They also made Nation Star adjust my Homes Made affordable loan and my payments were lowered by over {$200.00} a month My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX Mortgage Co. Nationstar Morgaage XXXX XXXX XXXX XXXX , XXXX XXXX Loan # XXXX My ss # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: My husband and I are cosigners for my son for his first student loan taken out in 1999. He changes jobs every 3-4 years and gets behind on the payments. My husband and I are on XXXX XXXX XXXX. XXXX XXXX/Navient has been servicing this loan since it went into repayment. When he gets behind, like he is at this time, 2 months, Navient calls us incessantly. We receive calls 6-8 times a day, 7 days a week. Once a day, they might leave a voicemail. It instructs us to call a XXXX number to talk to an agent. Whenever we actually answer the phone, we get the same recording, no human. After a week or so, they change/spoof another number that shows up on our caller id. It 's my understanding that they are not to call just to harrass. These calls are being done to harrass because 1. there is no human to talk to as required, if we answer the phone. We must call them to another number to talk to a human. 2. Since their computer system recognizes the voicemail system and leaves a message, then the first call of the day should leave the message and no other calls should be made. It is plain and simple that the computer is programmed to call repeatedly simply to harrass since you ca n't discuss the loan issue with anyone unless you call them. 3. the calls are also obviously programmed to harrass as we will get a call and as soon as the voicemail answers, their computer hangs up and re-dials immediately. They often register as being made within the same minute. I can print out a copy of the phone logs for the past month from my XXXX XXXX account to substantiate this harrassment claim.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I've submitted two requests for the same paid off account with two credit reporting agencies and they have removed the collection. XXXX   wasn't contacted for some reason and they still have it listed and it's hurting my score. XXXX XXXX XXXX and XXXX XXXX # XXXX opened XX/XX/XXXX has been paid off since XX/XX/XXXXthe number listed on the report is XXXX. I pray that these agencies would and banks would just do there jobs. Your help will be greatly appreciated please!

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 04/18/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: I traded in my toyota Rav4 on XXXX/XXXX/2016 on XXXX/XXXX/2016 tmcc finance company received the check for the payoff from the dealer where I traded my suv. they have the check and continue to collect on a debt I do n't owe. they made a mistake on their end and continue to penalize me, add fees and have marked my credit report as 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: When I pick the line up there is a brief pause and an automated voice asking me to hold onto the line then an operator comes on and makes sure that I am the person they want to speak to. They ask if I hold an account with XXXX and infrom me that I have an overdue balance. This is the second time I have recieved a call today. The first time I did not recognize the number but knew it was a debt collector from previous expereince. 

I was prevoiusly behind on the account and recieved up to four phone calls a day from different numbers, with different area codes, throughout different times a daty. 

While I take resposibilty for being late on payments the non stop phone calls are borderlineharrasment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I contacted TransUnion about unauthorized credit inquiries form their own company at XXXX, CA XXXX, and asked them stop. Their response was that it might be a permissible purpose. From the list they provided, it was not permissible, and they no longer respond to any communications. It needs to stop, and they ( as a credit reporting company ) should not be allowed to make inquiries at random.

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 03/21/2017 about Debt collection (Credit card) with Financial Credit Service, Inc. (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received telephone call threatening to arrest me on a felony charge and freeze all banking and credit accounts on a debt that was 15 years old and past the statue of limitation. He bullied me and continued to threaten me if I did not pay money right then to him. Three business days later I sent through USPS XXXX a letter to the company disputing this debt and wanting no further contact. The following day I mailed a second letter certified mail also disputing this debt and requesting no further contact. Asset Recovery Associates have continued to call me every day and on XX/XX/XXXX they called at XXXX. They even contacted my brother believing he was my husband and demanded contact with me, however, they failed to identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XXXX 2017, I applied for an American Express Platinum card that was advertised as " spend {$4000.00} for first three months and pay an annual fee of {$450.00} and you will get XXXX points, plus other benefits '', I sent {$450.00} fee and spent more than {$4000.00} as stipulated, and now when I went to get my points, they flatly denied that they '' ever had such a promotion, even though it still all over the internet, they also claim that what 's on the web is not their promotion, but when you call one of those offering this promotion, you end up tight at American Express. This is clearly a deceptive and misleading practice by Amex, and I want either my XXXX points or return of my {$450.00} fee.I would not have paid a hefty annual fee for a card that I can without a fee. I also want my other points for the more than {$4000.00} that I put on this card, redeemed. This card is issued to me, it also mentioned my business, after denying that they ever had such a promotion, After denying that such a promotion ever existed, now they 're saying that this card is only for personal use and businesses are not eligible for it! even though there is no mention of such restriction anywhere!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2016 about Mortgage (FHA mortgage) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, XXXX I applied for and was approved for an FHA Mortgage through Regions Bank/Mortgage. At the time of application, and at the closing I was told that after 5 years of paying the PMI/FHA Insurance, and no late payments that amount would be dropped from my payment, thereby reducing my monthly mortgage payment. There has never been a late payment. Each payment has been made on-time. 

Last year ( at the 5 year mark ) I contacted Regions Mortgage Department about removal of the PMI/FHA Insurance charge on my monthly payment. They agreed and said they would look into it. They came back and said - That is correct that after 5 years the PMI/FHA Insurance could be removed ; however, the balance of the mortgage required to removed the insurance would not be reached until the year like XXXX. Not only is this upsetting, it is fraudulent and deceptive. 

If that 's the case they are leading people by a deceptive and corrupt practice by telling them the PMI Interest will drop off after 5 years ; when they are the ones generating the amortization tables and they know that balance would not be reach for another 3 to 4 years. I have contacted them numerous times about this and each time the tone is deceptive and misleading. Personally I would like to begin a class action law suit. 

I have contacted them multiple times over the last year asking them to continue to send me paper statements via USPS. They have yet to do that. 

Your help in resolving this deceptive practice for both myself and other customers is greatly appreciated.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. Hunter Warfield INC IS NOT MY ACCOUNT

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief