milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: For the fourth semester in a row ( Summer XXXX through Summer  XXXX ), Nelnet has used the student loans for my part-time XXXX  program as an excuse to put my previous XXXX XXXX loans into deferment. Each time, they claim that I requested a deferment despite the fact that I never did.
<P/>
I have contacted both Nelnet and Federal Student Aid Ombudsman Group and both have failed to even acknowledge my correspondence. <P/> Further,  the last two semesters, I have filed a request via studentloans.gov to put the new loans into repayment immediately. This includes answering Are you currently in deferment or forbearance with Yes, but I want to start making payments under my plan immediately. Each time, Nelnet has responded to this request by sending a letter stating that my deferment request was approved rather than placing the loans into repayment.
<P/>
At this point, it is clear that Nelnet is blatantly attempting to delay my ability to claim loan forgiveness under the Pay As You Earn program and increase the amount of interest I am forced to pay over the now extended life of the loans. This is nearly identical to the conduct XXXX was already sanctioned for.
<P/>
I am not requesting that you intervene only on my personal behalf. I have the capability to pursue litigation and have some special office of Nelnet issue a fake apology and reverse the deferments as a supposed special exception. I intend to do exactly that next Spring after I graduate and dont have to deal with the same thing every semester.
<P/>
Instead, I am asking that you investigate Nelnets overall practices on behalf of the thousands of students who are being charged thousands of dollars in additional interest without even being aware of what is going on or the financial consequences of taking an extended deferment.
<P/>
Questions to consider include : Why is Nelnet placing student loans into deferment supposedly at the borrowers request when the borrower made no such request?
Why is Nelnet ignoring written instructions to not issue future deferments?
Why is Nelnet extending deferments upon receiving Income-Driven Repayment Plan Applications from StudentLoans.gov directing that the loans be placed into immediate repayment?
Is Nelnet committing a crime by falsifying documents when it states that the borrower requested a deferment when the borrower did not?
<P/>
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo stopped drafting our account after my husband filed Chapter XXXX bankruptcy even though the mortgage loan was not included in the bankruptcy. They took our payments and then partial payments for a while but would not apply them to the mortgage due to the bankruptcy according to them. We applied for a loan modification and they asked for the same documents multiple times and drug the process out over a year. After getting no response from Wells Fargo, we were contacted by a company called American home preservationists. They asked for the same documents as Wells Fargo and instructed us to stop speaking to Wells Fargo. We sent them three months of payments in good faith. After receiving over {$3600.00}, they stopped answering or returning calls. 
Wells Fargo has now sold out loan to a company called XXXX XXXX. They are again requesting the same documents we sent Wells Fargo despite Wells Fargo sending us a letter stating they had forwarded all our documents to XXXX. 
We are 20 days from foreclosure and DO NOT want to lose our home. 
Wells Fargo account # XXXX American home preservationists account # unavailable but contact name is XXXX XXXX, XXXX, XXXX XXXX supposed underwriter. XXXX XXXX contact XXXX XXXX, XXXX. 
This has been going on since XXXX 2015!!!!!!!!!! 
Please help us not lose our home.

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 05-08-2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (PA).
Issue: Making/receiving payments, sending money

Complaint: Lowes credit card, serviced by Synchrony Bank, is taking 7- 14 days for an online payment to clear if the payment exceeds {$500.00}. Is this a maneuver to attempt to have payments posted as overdue because of the extended time for an online payment to clear? 
Does the law limit this action which does not seem to serve the consumer? 
Visa posts in 24 hours. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have multiple student loans with XXXX/Navient. Between XXXX my student loan payments were being misapplied to either the wrong loans or to only one loan out of the multiple. The loans went into default even after several phone calls to XXXX XXXX to resolve the issue including providing proof of payment. Ultimately three of my loans went into collections and they reported marks on my credit report. I am now repaying my loans on the loans in collections. However, even those payments are being misapplied or suddenly stopped all together ( I have auto debit ). I have received letters now asking for full payment of the $ XXXX I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: First of all, let me mention that this debt is not XXXX that I owe. 

This is XXXX XXXX out of I 'm sure many ) collection agencies that use false numbers to call people. They will also call your family members using fake numbers. There were some days in which I received up to XXXX fake phone numbers. 

After this company put a mark on my credit report ( though I had no idea I even owed any debts -- because I do n't ), I was telling them " I do not answer numbers I do n't know, because I 've been getting a ton of XXXX calls from numbers that look a lot like mine. '' She was very silent on the phone for a while and then says " yes, we understand. They sometimes call pretending to be our number, too. '' I found that odd, because these calls never pretended to be a toll free number. XXXX of them were foolish enough to forget to hang-up and the background noise sounded similar to that of the background noise of the debt collector. 

Anyway, so I deal with this debt collector and would n't you know it -- the spam calls stop. They stop coming to me and my family members.I do n't think this is a coincidence in the least.

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 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: After falling behind on my payments for some time I called in to set up a payment plan I paid a lump sum to bring my account current to that point and then established a payment plan. I have paid the amount agreed upon since then on time, but now Navient is saying that agreement is not in effect and is harassing me, my co borrower and others who I listed as references. They acknowledge the plan but deny its in effect as it 's not tied in to a direct payment plan, but when I set it up the Rep never said it had to be on a direct payment plan. They keep raising my payments, though they do process the payments I send, but then because they keep billing more than the agreed upon amount, hitting me with late fees, and hitting my credit rating hard. I can not even talk to them on the phone as they become belligerent and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX I received a letter from XXXX located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with Walmart she then hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My mother sent a check for {$14000.00} to Navient to pay off my student loan debt. The check was cashed by Navient on XX/XX/XXXX, 2017 but has yet to be credited to my account. I have contacted Navient on XXXX different occasions and they have yet to credit the money to my account. They claim that the check was going to be refunded to my mother, because they did not realize it was for my account but then they realized it belonged in my account, and now are in the process of crediting it to my account. However, they have been saying the same thing for 22 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Incorrect information on your report

Complaint: I was recently denied a mortgage loan due to Select Portfolio Servicing reporting 2 30 day lates on my credit report in XXXX and XXXX of 2016. I sent Select Portfolio Servicing an online transaction history showing there were no payment lates in 2016. Select Portfolio Servicing is notorious for reporting adverse and incorrect information on consumers. Even with undisputed evidence that was sent to them, they refuse to correct the information they are reporting to XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Debt collection (Medical debt) with I.C. System, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: A Dentist made an appliance for my XXXX XXXX. He put it in my mouth and I said no this is horrible, I don't want it and gave it back to him. He contracted a debt collection company and they have put the collection on my credit bureau reports, trying to make me pay the fraudulent bill of {$2500.00} The Collection company is I C System Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been sued by New York State Taxation Dept. regarding a Wells Fargo student loan.. Wells Fargo submitted tax information to the IRS regarding XXXX student loan from XXXX that they charged off in XXXX. I had been unable to pay due to being unemployed and my loans went into default. In XXXX I never received a XXXX form from Wells Fargo. The IRS said the XXXX was reported for the XXXX tax year. I had not moved since having contact with Wells Fargo. I was unaware of this until XXXX. I received a bill from the IRS stating I owe them {$740.00} for receiving {$2800.00} from Wells Fargo. Wells Faro reported this to the IRS in XXXX. When I contacted Wells Fargo earlier this year after I received a letter/ bill from the IRS XXXX they said we are sorry you did n't receive the XXXX. Basically they said too bad and sent me a copy of the XXXX I would have received the XXXX in XXXX I would haven taken it to my tax consultant. Now I owe the IRS money plus penalties. How can I be notified 2 years later and Wells Fargo is not accountable for ensuring I received a XXXX in a timely fashion. There only response is we are sorry, here is a copy 2 years later.

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 10/17/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The state of Louisiana as inaccurate information on my credit report. They are showing that I have never made a payment and that I have been in child support since XXXX. I was placed on child support in XXXX and have made regular payments. Please remove this from my credit report it is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a dispute to Equifax Online dispute concerning several inquiries on my credit report I noticed when I checked it through their website. These inquiries were not authorized by me and I am confident the bureau does not have any documentation illustrating my signed authorization to have access to my credit report. I asked them to remove them and within 24 hours they responded stating that the information was correct. I have attached a copy of their response. The inquiries I disputed are not authorized and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Somebody used my Capital One credit card and charged over {$3000.00} international, Capital One they, blocked the card, I called and let them know that was not my charges. Capital One ask for my id 's DL, copy of a bill and SSN. I gave them all these to investigate and in the meantime as they were investigating they re-open my card to a caller how called Capital One as me, giving them all my personal info. Name, Address, SSN. Instead Capital One to investigate this person released the card back to this person who was not me. This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Hi, my name is XXXX XXXX XXXX, my bank is Chase Checking Accunt. In the date XXXX/XXXX/2015 my bank authorized a transaction of mine without any signature proof, it was with the merchant XXXX that is dealing with XXXX, they charged me {$1500.00} from my credit card without any approval from my side. My bank claims that i have already few disputes with other XXXX that scammed me so they declined my request. When i first registered to the site i gave this company my information as it was required in order to open the account, but it does n't mean that they can use this info to charge me when ever they want without my approval. Please advice what i can do here.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed a dispute with XXXX in XXXX 0f 2017 on accounts that I had no contracts with, The original owners sold the account but I had no contract with the company who put this on my report.I filed with Transunion the same no contracts.The breach with XXXX has not helped with my reports ... when I filed my reports I had a score of XXXX with XXXX working my way up to a over XXXX score and all of a sudden my score has dropped 50 points because XXXX allows these company 's to make a jester to the account? This is totally wrong on both parties

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XX/XX/XXXX2017 I went to XXXX and attempted to view my free credit reports. I was only able to view my XX/XX/XXXX report. XXXXXXXX gave me an unintelligible error. XXXXTransUnion said it could n't confirm my identity after a series of follow up questions. The follow up questions were very vague. Some included no possible correct answers, and some included multiple possible correct answers. From this it is unclear if they have accurate information on file for me.

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 11-10-2015 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (GA).
Issue: Settlement process and costs

Complaint: Your service help me to get the contract from Residential credit solutions in

Company response to consumer: Closed
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: National Credit Systems  a collection company put a collection on my credit report. Disputed this because I was never made aware of debt by phone or mail. I called and spoke with someone in  XXXX  at the company and they told me they were no longer liable for the collection and it had been purchased by a lawyers office, I was told that the collection would be removed because they were longer liable. Collection is still listed on all my reports. I have since contacted the lawyers office they agreed not to send to bureaus payment agreement was made once they verified that all the information they reiceved fro m National Credit Systems was in valid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Account opening, closing, or management

Complaint: I recently opened a new checking account with Bank of America and the application was approved on the XXXX. I updated my employer direct deposit information with this new accounf information. Bank of America proceeds to close my account, with no notice on thursday. I had to call in thursday evening to find out that my account was closed and was not provided with any information. The only reason I found out was that I got a low balance notice, I logged in and checked my balance was XXXX and there was a pending {$25.00} debit. When speaking with a customer service rep I was transferred to XXXX and told my account was closed. When I found this out I checked to see if could change my direct deposit information back to the old account I had and it was too late to do this. So will be without my paycheck for at least a week while I wait for Bank of America to reject the direct deposit and my employer to receive the refunds and redistribute them to me, this is a horrible inconvenience since I 'm relying on that paycheck to take care of my rent and bills due on the first of the month.

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 04/14/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Multiple inquiries appeared on my credit and they wo n't delete them when I have n't applied for anything in years

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 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: Account status incorrect

Complaint: over 10 lines on my credit report asked for consolidation and repayment to match income on my tax return

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 08-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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: This is about a purchase I never received since XXXX and the credit card toying with me and keep saying they sent disput form and they have to investigate and the person I talked to she was very rude interate style and make this look like a crime investigation and told me that I should go after the company and post office really Fact is XXXX XXXX cards have purchase protection for lost item never received and they just being cheap

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I had a boyfriend who bought a motorcycle and he signed me up as the co signer without my knowledge. The motorcycle was then stolen. The finance company has put a repossession on my credit report because he stopped making payments on the bike after it was stolen. I have never signed for the motorcycle to begin with and any signature was forged by my ex so there for the Repossession should only be on my ex 's credit report and not mine.

Company response to consumer: Closed with explanation