milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have had issues with Navient off and on for the last 5 years. Recently, I began a XXXX program in a XXXX XXXX where all of my loans entered deferment. I am taking XXXX credits full time and last month I did not owe anything. Now, they are saying that I owe money this month even though my payments are on deferment. I also can not get a job as I am in school all day all week so I do not have time to have a job. XXXX, at the current moment, is my job.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: We paid for a one-time credit score from Experian and were signed up for a recurring service without our knowledge. Our account numbers are XXXX and XXXX. We are asking for a refund of all charges ( two months have not been refunded at this time ) which are {$19.00} for two months for XXXX people - approximately {$80.00} total.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Inquiry - XXXX XXXX XXXX XX/XX/XXXX Transunion Inquiry - XXXX XX/XX/XXXX The two inquiries that I have stated are reporting on my XXXX and Transunion credit report. These inquiries have been placed onto my credit report without my knowledge or consent. I am a victim of identity theft. 

I have asked the credit bureaus to remove the fraudulent inquiries from my credit report. They informed me that the items will be removed, but they are still reporting on my credit. There has been no change.

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 08/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company for the last 4 years have reported a debt that was about $ XXXX in amount as a {$22.00}, XXXX debt on my credit report. Additionally, when I disputed the validity of this debt with the company and the bureaus, the company verified the debt as a valid debt to the credit bureaus, whereas they were required by the FDCPA to report the debt as " disputed. '' This is a clear violation of. XXXX. Validation of debts [ 15 USC 1692g ]. The item also still appears on my credit report as having a $ XXXX balance ( see attached credit report excerpt from today )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (PA).
Issue: Closing on a mortgage

Complaint: Refinanced my XXXX XXXX XXXX HELOC on XXXX XXXX with PNC. XXXX XXXX XXXX informed me of a missing XXXX payment. I followed up with boA and explained it was refinanced in XXXX and paid in full and as a result no XXXX payment is due. XXXX  informed me that they received the payoff check from PNC and it was {$100.00} XXXX est ) short so they returned the check to PNC on XXXX XXXX. I called PNC, XXXX the supervisor of the LO I worked with ( XXXX XXXX NMLS # XXXX ) apologized and took full responsibility of the error because she confirmed that she can see in XXXX 's email that the Check was returned and " unlike XXXX 's usual work practices '', XXXX failed to follow up or address the issue and ignored it. XXXX apologized profusely and told me she can not help me get XXXX to reverse the XXXX on my credit report but that she would give me an additional .25 % off my interest rate. I called XXXX and was ensured that due to the mishap, no XXXX would be submitted to the credit bureaus with my promise to pay. On XXXX XXXX I started receiving emails from XXXX that my credit report now had a XXXX. As a consumer I did my part and my credit score is being affected due to the errors of other i.e. PNC Bank. Please help me get this late payment removed from my credit report as it was clearly not my error but the error of a financial institution who was negligent in their normal course of business. In speaking with XXXX, she assured me that PNC takes full responsibility for the error. I also spoke to XXXX XXXX XXXX XXXX direct ) in the escalation department on XXXX XXXX. As of XXXX XXXX, XXXX XXXX has yet to respond to an email or voice mail of mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent letters to all 2 credit bureaus telling them their was fraudulent accounts on my credit report I did n't know how they was there they did n't belong to me ..I also told them accounts was reporting wrong and inaccurate information such as open dates, wrong payment amounts and etc ..The 3 bureaus did nothing about it but sent me back a updated copy of my credit profile without investigation..I have pics to show the inaccurate information my Same accounts on credit reposts have different balances, open dates and etc .According to the FCRA all information should be truthful and correct and these bureaus are breaking the law destroying consumers report and nothing is being done about this ...

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 10/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: The home owner had medical issues and moved to XXXX. Her daughter and family stayed in the home and were responsible for paying all expenses. The son in law lost his job of 15 years and daughter lost her business due to the recession of the economy. They had tried to get assistance, however they tripled the attorney fees and they were unable to bring the mortgage current. They applied XXXX times for loan modification which they were told they lost and did n't get the paperwork. The home owner decided to put the home on the market which did not get any offers due to the marketing and pricing. I worked with the home owner for over a year and we finally dropped the price significantly and got a written offer which was submitted on XXXX XXXX, 2015 along with updating and complete all tasks in XXXX. I was told through an email on XXXX XXXX that they denied the short sale. NO EXPLANATION. I called the lender today since they were closed for the holiday and was told they did not have enough time to review the offer and will not stay the foreclosure date until they offer is reviewed. They did not even offer the home owner the option for Deed In Lieu or assistance to the tenants to relocate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Santander Consumer and I came to an agreement in XX/XX/XXXX to have my XXXX and XXXX payments deferred to the end of my loan. They failed to follow the set agreement. Then on XX/XX/XXXX Santander had my vehicle repossessed even though payment was not due until XX/XX/XXXX. The company that Santander hired to repossess the vehicle did not let me take possession of personal property that was in the vehicle as well. They refuse to provide me with documents or notice of intent to repossess my vehicle at address that was listed on file which starts the repossession process in Texas. Then they failed to provide me with a notice of intent to sell. No notice was sent to my place of residence on file nor did they call to inform me of intent to repossess/sell. Santander sold the vehicle without me having a chance to retrieve personal items or make arrangements to gain the vehicle back. Santander sold the vehicle and then left me with negative remarks and reporting to credit bureaus. There actions have did irreparable harm and damage. They still have refuse to provide info on intent to repossess and intent to sell from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Vehicle loan or lease (Loan) with Strategic Dealer Services (TX).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: This is with reference to my original complaint number XXXX regarding Strategic Dealer Services purchasing my auto loan from XXXX XXXX and I was not made aware of this until I attempted to pay my late fee and make arrangement on or around XXXX/XXXX/17. I advised Strategic Dealer that I have not signed a contract with them my signed contract is with XXXX XXXX and I did not see any where in my signed contract with XXXX XXXX that the auto loan can be sold, I asked that Strategic Dealer send me proof of a signed contract with their company and all I received was a welcome package. Yesterday I was bullied into making a payment to Strategic Dealer Services instead of XXXX XXXX because the shut my vehicle off ( Note : vehicle has a GPS of which the company can turn the vehicle off and it will not start until payment of which seems illegal ). I need to know if this is legal because when I called XXXX XXXX to set up my payment who in turn transferred me to Strategic Dealer to make the payment, Strategic stated they started the process of transferring my account back to XXXX but I can make payment to them because the process of transferring account back has not completed. I need to know if this is legal again I have not signed any contract with said Strategic Dealer Services and I want my account to stay with the purchased signed contract of XXXX XXXX asap and all my payments reported every 30 days to all XXXX credit bureau 's. I 'm at a lost and need help asap this all seems illegal and I have a business relation established with XXXX XXXX and their customer service has been great thus far. Please see all referenced documents attached. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: I contacted XXXX XXXX through Citibank to help me with the process of procuring a loan for a home in Indiana. From the very start, I alerted him that business losses from XXXX for XXXX were deducted against my primary and XXXX income, however I had sold XXXX and therefore it would n't be a loss any longer. XXXX stated that since the XXXX was sold, then the losses would n't be taken into account for the purpose of determining future ability to pay. 

After paying in excess of $ XXXX on origination fees, inspections, and travel, XXXX alerted me three weeks after I signed a purchase agreement that the underwriter would not offer me a loan due to my XXXX losses on the previous tax returns. When I asked XXXX why he told me otherwise, and why I wasted so much time for this result, he stated that he does n't review the tax returns, and held no responsibility. 

The amount of effort and money I spent for something that could have been avoided from the very beginning with a more knowledgeable agent is heartbreaking and disappointing.

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 09/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed with Trans-Union multiple times concerning the XXXX XXXX acctspay history they are reporting on my report. My student loans as being on time in XXXX 2011 to then 90 days late in XXXX 2011. I do n't understand how TRANS-UNION can be verified. How can the information be verified as 100 percent accurate if the pay history is not completely accurate?

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 05/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company is overcharging me for interest and fees and refuses to correct problem. 
Interest rate is supposed to be 2.75 % of {$270000.00} of {$630.00} per month and they have been charging me {$1400.00} per month as well as other fees they make up like taxes and insurance that I pay not them and misc. fees they tack on every month. This has been going on since 2009 and they refuse to correct the problem. The company is SPS Select Portfolio Services in Utah. If you look on the internet they have been doing this to XXXX people and no one can do anything about it. If they are not a criminal organization I do n't know what is. The FBI should look into their practices as they are doing this to countless others. I have also paid them close to {$50000.00} in payments through the bankruptcy court and they refuse to give me credit for these payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Credit line increase/decrease

Complaint: We are very careful with any charges on credit cards or obtaining financing. We received a threatening " Account Notice '' from Sears stating that we must make a purchase or other transaction by XXXX XXXX, 2016 or have our credit limit lowered and to " hurry '' in doing so. We feel this is pressure to use our card, and we feel since we voluntarily applied for the account and paid as agreed ( actually early ) we should have the account available at our discretion. We know that credit bureaus receive information about account limits and closings, and these reports affect credit scores. We feel this is a predatory lending process on the part of Sears and should not be allowed to continue. After calling the account inquiries number to check on why we would receive such a notice, I closed the account by phone on XXXX/XXXX/2016, because I do not appreciate being threatened. We do not need Sears and XXXX ; they need us.

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 04/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Late fee

Complaint: I 've been an American Express customer for over ten years and have never had a late payment. I always keep everything on autopay. In 2013, I switched from a Blue Cash card to a Blue Sky Preferred card at the urging of a telephone representative. The sales rep told me that my autopay for my old card would be carried over to the new card and I would n't need to take any further action. This turned out to be untrue. While I was out of the country, the autopay did not carry over, and my first payment on my new card triggered a late payment, charging me a fee and affecting my credit report. I 've tried to get them to correct the error a couple of times, and they did credit back the late penalty. What they failed to do, though, was " re-age '' the account so the late payment would n't hurt my credit score. I 've now just tried once again to resolve the issue with them, and they 're still not being helpful. They already admitted the error years ago when they credited me the late fee. The fee was negligible, though, as was the amount of the late payment -- the real issue was the impact on my credit score. I 've never had a late payment in my life. When I spoke with them today, the woman I talked to impugned my integrity instead of acknowledging their obvious error ( which they had acknowledged in the past ). The woman I spoke with was named XXXX, badge number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended XXXX XXXX in XXXX ... .basically over the years my account was sold to several companies ... and the interest rates are high on the account ... .I 'm currently unemployed and struggling ... ..I ca n't afford what they are asking me to pay each month.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Dear Friend, I have been a customer of Bank of America for over 14 years. 

This past year I canceled my regular checking account and decided to open up a Business Checking account for my growing business. 

I believe I signed up so as I would never be charged over-draft fees and my card would n't be used if my balance were to become over-drawn as a result of use After using my debit card over the course of 72 hours in approximately late XX/XX/XXXX I was informed late on the third day that my account was over-drawn ( this was the first and only notice ) At that time I looked at my account and was shocked and appalled that my balance was negative XXXX I used my debit card 10 times, over-drafted 10 times, and was charged a non-sufficient funds fee of {$35.00} EACH time! 

I went into the local branch on XXXX in XXXX, Oregon, promptly to try to resolve the matter. 

I was informed that, even though I had sufficient funds in my savings account of over 1,000 that my account was charged a fee 10 times not as an " over-draft '' fee but as a non-sufficient funds convenience fee. 

I e-mailed corporate and have only received one voice-mail from them ; they have refused to return my subsequent phone calls This does n't make sense on mulitple accounts. 

First of all, how was my account exactly - {$350.00}, after 10 charges of {$35.00} fee each, if my account DID N'T have the money in it to pay the transactions? My account should have been - {$350.00} PLUS the value of the items I purchased Second ; I have a checking account, not a credit card, the ability to over-charge the account in the first place should be called into question, let alone 10 times! 

Finally, as mentioned before, as a long-standing customer AND a customer that had money in the SAME Bank I do n't see how a company can justify charging a customer that many fees especially in such a small period of time UPDATE : I was finally allowed back into my account after being locked out for security issues ; They have reimbursed most of the fees, without informing me, and because of this I have been charged a monthly account fee and more insufficient fund fees I would like those fees to be reimbursed and my account to be back to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   has reported that I have a store credit card with them and it just hit my credit reports. I do not have a   XXXX   card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.

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 12/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Problems caused by my funds being low

Complaint: I opened an business account with US Bank. It is a debit card, so I thought I would not be allowed to overdraw money. But it does allow overdraft, and then charge {$36.00} for each purchase over {$15.00}. So within a week, I was charged XXXX {$36.00} penalty fees and an extra {$25.00} extended overdraft fee, altogether {$160.00}, on XXXX purchases totaling {$160.00}. They waived XXXX penalty fees of {$51.00}, but still, is n't this robbery?

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 10/16/2017 about Mortgage (Other type of mortgage) with Nudge Funding, LLC (SC).
Issue: Closing on a mortgage

Complaint: After doing the paperwork and upon closing on XXXX XXXX for my refinancing of my home, I was led to believe that my payments would decrease. XXXX home loans/Nudge funding -Company I worked with told me all I would need to close is {$45.00} in a check and my payment would then be XXXX, approximately XXXX less than that was currently paying. After I got my first bill I found out on the paperwork that there is an {$12000.00} closing cost that was not explain to me which brought up my original payment {$200.00}. Due to their predatory and sneaky tactics, and not being thorough with exclamation, I now have a higher payment then originally. The company is based in Utah and the attorney that I signed with from a mobile agent is not licensed in the state of South Carolina which I reside.

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