milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I, as many people my age, was told I needed a degree to get a descent paying job. I was n't able to afford to pay for college outright so I was forced to take out student loans with the promise that I would earn enough money after graduation to make payments in them, and make a living. I now work just to make payments on my student loans. The XXXX loans ( with XXXX different servicers ) have more than doubled in amount due since graduation. I, also like many people my age, was unable to find a job that covered my minimum monthly payment ... much less a job that was even in the degree I studied for. This forced me into " income based repayment '' programs that barely ( if at all ) even touch my principle balance. I make payments every month and my loan amounts keep rising. Recently, with Navient, my " program '' lapsed, and they stopped withdrawing the monthly amount. I tried more than several times to call them only to be left on hold for over an hour, disconnected on, or just endlessly transferred to people who could n't properly explain the different loans, and the money I owed. When I finally got through to someone who said they could help me ( now 3 months past due ) I was told I re-qualified for the " Income based repayment '' but when I tried to set up the payment was told I had to also set up payments for the past due amount. With my bills continually rising, and my hours at work being cut, this was n't an option. If I could give my degree back in order to put of this the DROWNING amount of debt I would! I work hard, and want to pay my bills on time, but now that I owe more than double what I borrowed it has become impossible. I get around 7-8 pre- recorded phone calls from Navient every day, and this is a huge point of stress that I deal with EVERY day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PNC Bank N.A. (OK).
Issue: Unexpected or other fees

Complaint: got a letter from XXXX XXXX ( see attached 1 ) that a transfer to the PNC Bank needed to be addressed. I then contacted the PNC Bank in XXXX tx and received a response detailing that the funds were to large to make a direct deposit ( attached 2 ) As I did n't have the XXXX asked for to start this I was told they could work out an arrangement for 10 % of the total XXXX XXXX. ( attached 3 ) then they decided that it could only be don on direct deposit, which they tod me at the beginning was illegal, and when I question the legality of this I just ge the same response ( attached 4 ). Any questions just gets the same respnse. send {$780.00} to start and agree to a fee of 10 % of the total XXXX XXXX and it will be direct deposited, which they said was not legal. I do n't know if this whole hing is a scam or what the deal is but I can get no other answer from them or from XXXX XXXX at the XXXX who first contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (OH).
Issue: Trouble during payment process

Complaint: Us banks actions were never addressed. The company failed to answer my concerns about tax payments that were not due. Us bank continues to disregard the information submitted by Us banks tax processor ; XXXX XXXX XX/XX/XXXX. The last document sent by Us bank states the document from XXXX XXXX has been purged from their systems. My question remains unanswered ; Us bank molested my accounts to recover funds that were not due. Now the banks claims this document from XXXX XXXX has been purged from their files. I have supplied the bank with a copy of this document several times over the past 3.5 years. The response us bank sent ; does not address their actions on XX/XX/XXXX when funds were paid to the county. These funds include us bank payments for taxes that us bank has no lien against. 
This issue has been discussed by phone, us mail, e mail since XX/XX/XXXX. Still waiting for an answer.

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 05/21/2016 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: My car payment was due on XXXX XXXX, 2016. I was not able to pay this payment until XXXX XXXX, 2016. My car loan company is with Coastal Credit, this company call numerous time a day, from texting, cell phone calls, and house calls. Finally, this company sent a stranger to my house on XXXX XXXX, 2016 who never identified himself, only stated he wanted to hand me a letter from Coastal Credit, and requesting that I call them in front of him, while he was there. So I called Coastal Credit and I was put on hold for while and I finally told the man I had things to do and I paid my car payment on XXXX XXXX. The man verified my information, it was the same information that Coastal Credit all ready received, and the man then left after verifying information. Shortly after this Coastal Credit representative who name is XXXX called and left message on my phone to call her before Monday and she did not see the payment that I stated I paid. So I call Coastal Credit and I was unable to talk to XXXX due to the representative saying she was on the phone with another customer. So I begin stating that the reason why I was calling about the car payment and sending a stranger to my house. The representative begin to tell me that she did not see the car payment as well and I told her I did send it and the payment is showing up on my debit card transaction. The representative then proceed to say let me check another system, I was placed on hold again, and the payment is in the other system. So I begin to express my frustration with this situation, particularly with XXXX stating she did not see the payment, and sending a stranger to my house. The only answer the representative could give me is the stranger sent to my house is another way of communication. I told the representative I have previous loan companies and no one has ever sent anyone to my home. The representative told me she was not going back and forth me. I also told the representative that maybe they should check all there systems before stating someone did not pay their payment. Now granted I was late due financial issues and I have been working extra to catch my bills up, but I do not feel like I should be harassed like this from this company. Is this legal for a company to act in this manner?

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On Tuesday     X/X/17  I spoke to   Ally Financial about a payment postponement ( piggyback ) and   they agreed to   do it. I asked several times about the effect it would have on m y credit score. The consultant assured me that my credit score would not  be harmed in any way. To day   X/XX/17  I  checked my credit score and the company has indeed gone back on their word and reported the payme nt as a 30 day late. I am now going to file bankruptcy because of the incorrect information I was given on a recorded call. This has effected my credit in such a manner that makes it impossible to fix the situation at hand. The spiral effect that is about to incur is the fault entirely of  Ally Financial .

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 07/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: I filed against Chase Bank refused refund {$900.00} for unfair and deceptive banking service, new account, and general practices. In addition, I do not happy with declined checking account with unfit Oregon resident records. I do not interest in XXXX XXXX XXXX within Oregon resident telling to U.S. Senators in highest serious matters! 

I was not happy with XXXX, XXXX XXXX XXXX, and Chase Bank in having hidden discrimination against my appearances & XXXX addresses and they hated my appearances as they made bad threatened against my appearances as everyone does not like me when I walked in these banks in Oregon due of unfit Oregon residents. I filed against XXXX XXXX XXXX, Chase Bank, and XXXX refused refund {$900.00} for unfair and deceptive banking services, overdraft, general practices. In addition, I do not happy with banking services with unfit Oregon resident records. I complained must released to file charge against these banks whose refusal refund {$900.00} in highest complaints against XXXX XXXX XXXX as they made bad threatened against XXXX XXXX XXXX that I do not allow female employees handle in this case. I was not happy with these XXXX, Chase Bank, and XXXX XXXX XXXX in bad banking business against XXXX XXXX XXXX appearances. They do not interest in meeting with XXXX XXXX XXXX as they avoid XXXX XXXX XXXX addresses messages to U.S. Senators and XXXX XXXX XXXX. Sincerely, XXXX XXXX XXXX cc : XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 09/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (KY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I purchased a pool table from XXXX 's on XX/XX/XXXX with their Brand Source Credit Card under a 0 % interest promotion. I had my balance down to {$450.00} when I received a statement showing a current balance of XXXX. I called customer service to inquire about the balance and was told because I did not pay it off within the promotion I am required to pay the back interest beginning from XX/XX/XXXX. This is very upsetting because none of this was communicated when I made the purchase. I understand paying the interest going forward on the remaining balance, but due to the lack of communication on their end, my balance is now tripled. I have never missed or been late on a payment and this is truly bad business on their end. The previous interest rate needs to be rescinded, and the interest needs to begin with the balance of that was due before the {$720.00} in interest was added to my 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 03-01-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: XX/XX/XXXX - I detected fraud on my credit card account while traveling internationally and reported it to my bank.

XX/XX/XXXX - my checking account had a balance of {$4200.00} XX/XX/XXXX - my account was debited for {$880000.00} by the bank and my account was closed. In addition, my credit cards were cancelled and my savings account was closed XX/XX/XXXX through XX/XX/XXXX - I have contacted the bank many times to get the balance in my account due to me. It has been 3 months since they closed my account and I have yet to receive the funds.

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 06-09-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed bankruptcy at XX/XX/XXXX and i got discharge too but still XXXX shows on my credit report that i am late in my payment. XXXX XXXX was included in bankruptcy. i called XXXX couple times but they did n't fix it. give me a call if you have further question XXXX XXXX XXXX that is shows in my credit report Delinquent Account Lender XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX nullnull A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ( or more ) days late Reporting Detail Account Number XXXX Amount Delinquent {$0.00} Account Balance {$0.00} Payment Status Unknown Contact Method Other Got it

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I closed my personal checking account with Chase Bank. I was told that my remaining balance would be mailed to my address. 60+ days later, I called customer service to see if Chase could issue me a new check since I figured the old check must have gotten lost in the mail. The representative informed me that there was nothing that they could do to cancel the previous check and reissue another one since they did not keep track of the original check number. When I asked why they did not record the check number, he told me that sometimes they do and sometimes they do n't. Unfortunately for me, they decided not to be so diligent in my situation. 

I then went to a nearby branch to see if someone could help me in person. At the branch I spent 20 min trying to get the manager to understand that I was still owed my remaining balance since I never received a check from the bank. He finally had me update my address and contact information and then he had me sign a notarized form. He then told me that I should have a new check sent to me within 2 weeks. 

4 weeks later, I still had not received a check. I went back to the same branch where I signed the notary and informed them that the check had not come. The manager checked my account and realized that there was an error in getting the check issued. I was at no point notified of the delay, nor did the man seem aware of the mistake until I went back to the office. After correcting the mistake, I was told that I should expect to receive the check 14 days from its issue, which was 2 days from XXXX XXXX. 

It is now XXXX XXXX and I still have not received a check containing my remaining balance. Every time I try to get an answer from someone, I am sent to somebody else. This process has been obscenely long, deceptive, and discouraging. Though I still have a savings account and credit card with Chase, I have very little incentive to continue using their products given this horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a XXXX debt with a hospital in NY state. Due to several other XXXX debts incurred at the same date and time, I was unable to enter into a payment agreement at an amount the hospital requested. They accepted lower monthly payments but stated since they could not create a payment plan for that amount they sent the debt to a collector. Is that allowed even though I have been making payments on the debt to the hospital? 
Also, now that I am able to pay and would like to start a formal payment plan, the hospital staff said they could not since they had sent the debt to a collector, even though they can accept payments on the debt and record it in their billing system. 
The collector has placed a collection record on my credit report, though they do not contact me since in my XXXX contact with them I stated that I was making payments directly to the creditor. Are they allowed to do so? If I pay the debt in full to the creditor, can I have the collection record removed from the credit report since they were never involved with the debt?

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: I was sold per Wells Fargo a fraudulent loan, what was supposed to be a XXXX FHA loan turned out to be a reverse foreclosure loan which requires adifferent set of documents and applications. 

My loan was a violation of federal regulations and with illegal overcharges. 
The sellers were at the closing and received a check for the purchase. 
I was blinded with this being my XXXX home purchase. This is a deplorable acttowards a senior citizen with this being a XXXX and over community. I haveworked long and hard for over XXXX long years as a XXXX and now in myretirement time I find myself homeless. 

Wells Fargo has been unsympathetic regarding this matter. I have beenphysically ill and hospitalized over this matter. My siblings and I were taught topay our bills and follow the law, but what I have found is an unjust sentence inmy golden years. My life is at a standstill and I find myself aborted back to XXXXyears ago when I was capable of working XXXX hour shifts, This has become aliving nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I experienced a hardship which caused me to fall behind on my payments. My lender Shellpoint has ignored my plea for help and have not reached out to see if there is anything I can do to avoid foreclosure and get back on track with my payments.
I have never been provided with any forms or packets in respect to applying for assistance. I have always been the one to reach out and am being told there is nothing they can do for me. I have never been appointed a point of contact, I have pretty much just been ignored since I fell behind. Had I not reached out to Shellpoint myself, who knows if they would have ever called me. I had heard stories of other lenders who try and help the borrower but not in my case. I strongly feel my rights are being violated and that unless I take legal action there is nothing else I can do about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Problem with fraud alerts or security freezes

Complaint: Good Morning : My credit information was included in the recently disclosed ( XX/XX/XXXX 2017 ) Equifax security breach. I would like to place a security freeze on my credit file at the 3 major credit bureaus, but each charge a fee for this action. This action is wholly required due to Equifax 's failure to secure information, Equifax should cover all expenses incurred by consumers to protect their credit information for the rest of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (DE).
Issue: Unauthorized transactions/trans. issues

Complaint: I had a scheduled DD for XXXX which did not post to acct, and all prior monies in account were missing. After contacting the company via email the dd was processed manually howerver, my monies that was there {$480.00} was and IS still missing ... I was NOT and STILL can not access it as debit only credit. I was not able to use the atm except XXXX and it took my balance to XXXX although my dd was loaded. My statement is showing as pending with transactions that were posted and paid XX/XX/XXXX. I have emailed them over 10x, messaged them XXXX as requested, called every corporate number and no return call regarding my missing monies. ( I am now missing XXXX that was credited back to my account ) XXXX XXXX has been stating that the system is up working at 97 % capacity which is not true. He states that only individuals who cards were deactivated in error are still having issues, NOT TRUE. Take a look at his Rush card XXXX pages do those comments look as if all is okay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Debt collection (I do not know) with Credit Card Receivables Fund Incorporated (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: To my recollection XX/XX/XXXX Unifund CCR Partners seized money that I had in XXXX. I never received any notice or certified mail regarding any type of court dates. The debt was not owed to them directly. They bought the debt from XXXX. Then XX/XX/XXXX they garnished wages from my employer. To date they 've taken over {$3000.00}. I was recently contacted and notified that I was part of a class action lawsuit against Unifund CCR Partners because of their illegal and unethical business practices. Which is exactly the case with me. I won a very small amount because of the number of claimants. But nevertheless, I won the case against them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with Medical Business Bureau (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX I sent validation letters to XXXX XXXX XXXX XXXX in attempt to get VALIDATION not verification of said debts they claim I owe. The response I received back stated " Thank you for your correspondence. Please accept this letter in response. Please allow our company to acknowledge receipt of your request that we cease further communication with you about the above referenced account '. Please also allow our company to acknowledge receipt of your request for our company to verify or provide the validation of the debt. Please allow us to confirm that we have communicated with our client. '' And to today 's date XX/XX/XXXX I have NEVER received any validation of said accounts to my address as I requested from the company. However they continue to list this account on my reports. Validation is forwarding copies of the actual proof of the alleged debt and alleged account. I have received nothing from " XXXX XXXX XXXX, XXXX ''. I need a printed statement from the original creditor that validates the information reported on my Credit report. I have no recollection of such accounts these people claim I owe. What services were done, where did they take place, where is the actual bill of service? The account is reporting incorrectly on my report the company has FAILED to validate the alleged account to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have requested that these accounts be removed due to both fraud and failure to prove the debt as being mine. We filed and submitted documents for identity theft and submitted to them on XX/XX/XXXX The Credit Bureaus have failed to respond with the signatures as required by Federal Law and must delete the accounts on my report.

Company response to consumer: Closed with explanation