milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Credit card () with U.S. BANCORP (WA).
Issue: Customer service / Customer relations

Complaint: I 've had a Fidelity Investment Reward XXXX XXXX card for several years. XXXX XXXX XXXX was the issuer. When I got the card I set autopay to pay the balance in full each month. This worked perfectly for many years. 

Recently Elan Financial Services acquired the Fidelity line of business. They cancelled my old XXXX XXXX card and issued a new XXXX, which I did n't receive until XXXX due to travel. 

But in XXXX, during the transition, an automatic charge was processed through XXXX. Before the automatic payment was made, the account was converted to XXXX and Elan cancelled existing automatic payments. 

Today I received a phone call saying my account was more than 30 days delinquent. This is the first notification that I owed Elan ANY money. I immediately made payment in full, but Elan had already assessed penalties, interest, and notified the credit bureaus. 

My autopay should have been applied before Elan took over the account, the autopay setup should have continues, or, at minimum, Elan should have notified me within days of missing a payment rather than waiting for more than a month to pass. 

How is it reasonable that I owe late fees, interest, and suffer a derogatory mark on my credit score when I 've never even used an Elan product? That 's right ... I 've never charged anything to their 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 non-monetary relief
Consumer complaint received 03-10-2017 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: Navient has continuously charged me even though i am still in school and should have a deferment. When I call them, they claim they never received my paper work and force me to take forbearance. I end up missing a payment because I think im still in deferment status and it has had a negative effect on my credit. I am trying to improve my credit and Navient keeps causing issues. They have done this numerous times. I dont get how they never receive my paperwork. Or how it is possible to know I left school and charge me the very next month the semester is over. But they never seem to know when I am still in school, even when I follow their rules. When I asked them they responded with, they get a quarterly report. If that was true how is it they when I am done, even if I had drooped mid semester. Would n't they know when the next quarterly report was received. This is not the case with them one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 have written to XXXX, XXXX and Equifax regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. XXXX, XXXX and Equifax have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Medical) with AmeriCollect (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have summited many letters and conference calls with my insurance XXXX XXXX employee and my insurance and I have submitted many letters indicating that they have till XXXX/XXXX/2016 to billed so they could paid. my insurance company paid a full amount of XXXX I received an correction and billed me again for {$15.00}. which i send the check already. but I serousley beleive that this need to be investigated a hospital so big and part of University XXXX have to use a XXXX do n't sound correct. 
pre approved for 6 days in XXXX Hospital and paid in full, I have many times gone to the Hospital to get my records and was told they lost them, my insurance provided me. 
I have contact all this collections agencies nut they are rude and unwilling to hear me. 
XXXX XXXX s also part of XXXX Hospital which I went there for and XXXX because was driving and XXXX and my insurance pays but they billed for an XXXX. I have send proof of XXXX charge but they have interns should n't be putting XXXX codes and now is been in my credit and can not seem to locate THE XXXX DOCTOR that forgot to place a # 1 on billing code for Emergency visit but they did bill and collected. 
Please investigate this is not making sense anyone can send you a bill and put you in collections, when my insuance paid 100 % my husband pays XXXX dollars a MONTH FOR PROVIDING US WITH THE BEST AND HE IS XXXX AND XXXX XXXX VET. WHICH HE IS NOT WORKING SO OUT INCOME HAS DROPPED FROM XXXX TO XXXX DOLLARS. 
WE ARE ALWAYS ON TOP OF OUR CREDIT AND I WAS IN THE IMPRESSION THAT MEDICAL SHOULDNT BE IN YOUR CREDIT. PLUS THEY ALREADY GOT PAID. THIS IS MAKING MY XXXX XXXX UP. HOW DO WE KNOW THIS IS A LEGITIMATE COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: disputed to Trans union on XXXX/XXXX/XXXX XXXX account remaining on report as open. Account was paid XXXX/XXXX/XXXX. Trans union replied XXXX/XXXX/XXXX in one section on XXXX dispute page marked closed however were it was prior on credit report after the dispute marked paid XXXX balance now the credit report is marked it open and the balance that was due on XXXX/XXXX/XXXX. I called trans union today they claim no prior dispute. I asked if there is no prior dispute how would I have a File # for a prior dispute. As you can see they are sloppy at best. Now my report is a mess and they seem unable to figure out what they are doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recieved a letter from XXXX XXXX with ARA Inc. Stating that i owe a debt for a bank account with XXXX XXXX Bank which ive never held an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I attempted to speak to Loan Care on behalf of XXXX XXXX XXXX. They stated they had not received a third party authorization that I had already sent. Following this attempt, I called again on the XX/XX/XXXX after faxing in the authorization on the XX/XX/XXXX again. They then said the modification documents I submitted were blurry and so I emailed them to avoid further issues. On XX/XX/XXXX, after my client brought to my attention that Loan Care kept calling him insistently requesting documents we had already sent multiple times, I emailed Loan Care again with a Cease and Desist notice, 2 different forms of authorization and I was confirmed an " LTK '' number had been opened via email. Today, I again called Loan Care and the agent who answered stated that the LTK number I provided ( for which email confirmations are attached ) and she could not give me any information. 
XXXX XXXX is trying to resolve his delinquency before having to face foreclosure action yet Loan Care is making it impossible and almost pushing us to the verge of a case. They are NOT to contact XXXX XXXX as he is represented by an attorney and any and all communication should be through our office, specifically me, XXXX XXXX, as the Legal Assistant handling his file. 

We need a response and an written update to his modification review as soon as possible. We need his account to be updated and show us as a third party authorized and we need Loan Care to refrain from communication with our client.

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 02-12-2017 about Debt collection (Credit card) with Alliance Data Card Services (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Previously an account showed up on my credit report from Comenity Bank, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, XXXX XXXX XXXX XXXX is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on XXXX of my reports. I want this removed from my credit reports as this account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern, Please help me keep my home, I called my bank ( Bayview Loan Servicing ) asking help to modify my mortgage payment. After almost 4 months of waiting now my bank keeps telling me to wait because the investor of my loan is out on vacation.
Now that the investor came back from vacation, Bayview Loan Servicing is telling me that my modification is denied because it is not on the best interest of my investor to help me keep my home.
I asked what does that mean and they told me that they do n't want to help me modify because it is not on their best interest to help me.
Please please I am very concerned that now Bayview Loan Servicing is going to try to take advantage and take our home away. my interest rate is very high and adjustable which it seems like that 's why Bayview Loan Servicing it doing everything to deny my application.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (VA).
Issue: Using a debit or ATM card

Complaint: On the morning of XXXX XXXX my son XXXX XXXX ( a student at XXXX ) received a call fro someone claiming they were from the FBI. The scammer used many threats to scare my son into going to XXXX and XXXX XXXX to purchase XXXX cards. 
In the beginning XXXX used his Wells Fargo debit card to purchase these cards to the value {$1700.00}. at XXXX. A purchase he would never normally make. 
Later XXXX was told to go to XXXX XXXX to again purchase XXXX cards to the value of {>= $1,000,000}. This time he had to use a credit card because his savings account was now empty. 
We have fought with XXXX and eventually had our money returned because this was fraud. 
My question is, do we have any come back with the debit card purchase of {$170000.00} that XXXX was forced to make at XXXX. 
This was all the money XXXX had in his savings account. 
We have all of our accounts at Wells Fargo.

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 04-09-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Multiple issues : LoanCare, a XXXX company which services my home loan failed to provide proper notice and disclosures when they placed their own insurance coverage on my home loan. 

Second, and a more alarming issue is the insurance they placed on my home without proper disclosure has the same coverage I pay for on my own, and there was XXXX % + more per month than my insurance. The insurance company LoanCare chose, and the XXXX times higher than market rate home owners insurance premium resulted in an unnecessary burden on my family. 

If I am experiencing this, this means there are many others out there harmed.

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 08/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have had Navient since they took over my XXXX XXXX loans a few years ago. They have pushed forbearance sand deferment on me and caused my repayment to double. I now owe over {$80000.00}. Also, they have reported me as delinquent to the credit report bereaus when they had told me I was in deferment status and they had never processed the paperwork I sent in to them. This caused me to also be denied loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Every year I have to re apply for the income based repayment option because I can not afford to pay {$700.00} to {$800.00} per month for my student loans. You have to apply prior to the plan running out. And each year I apply at least a month before as suggested and it still takes months to get it to go and in the mean time I am put on deferment or forbearance. I do not like these options it does nothing to assist with the interest at all so the balance keeps getting larger and larger. Each time I apply I provide my paystubs showing my income and I even provide a break down of the bills I have to pay each month as well as how many live in my home and my spouses income. Every time they keep asking Repeatedly for the information I have submitted over and over. Navient has also make it more and more difficult to locate and print out the application needed to apply. You have to call them to get someone to navigate with you to get the forms and while doing this they are attempting to collect. The automatic repayment amount of 1 % of the loan balance is way out of reach for most if not all borrowers. When you have over 30,000.00 in loans paying XXXX on top of mortgages, rent, car, insurance, utilities ect this 1 % is not feasible at all. This needs to be rethought out by the government. It needs to take into account the borrowers debts not simply their gross income. But what they are bringing home and what living expenses they have.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is not updating my report accurately, they report account status as 31-60 past due for account # XXXX for creditor New York and company, which is NOT accurate. I called creditor to dispute information and XXXX from New York and company credit made me aware that information was already updated to show PAYS agrees on XX/XX/2015. I pulled my report on XX/XX/2015 and it indeed showed Pays agrees on XX/XX/2015, confirmation number for that report is ; XXXX. I checked my credit report again on XX/XX/2015 and it was reinserted to show 31-60 past due which is NOT correct credit reporting. I spoke to a XXXX which is a supervisor at Equifax and I made her aware that I have a confirmation to show that on XX/XX/2015 creditor updated to show Pays agree and that this information needed to be corrected. I was then asked to repeat the same dispute again for the second time. I pay my bills and I am a hard working person I want to have a better life for my family and would appreciate some help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle lease) with EQUIFAX, INC. (WY).
Issue: Taking out the loan or lease

Complaint: WHILE PURCHASING A VEHICLE, I WAS TURNED DOWN BY ALL THE BEUARAUS BECAUSE MY SOCIAL SECURITY NUMBER HAS BEEN REPORTED THAT I AM DESEACED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MN).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2016 I initiated a transfer of {$270.00} from my bank account to my PayPal account. When I check to see if the funds are available, the details of the transaction states that the transferred money will be available in my PayPal balance on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and the funds are not available in my PayPal balance. The funds should have been available at XXXX on the XXXX. The transfer is an ACH transfer, the funds cleared my bank on XXXX XXXX, 2016. All PayPal says is that the transaction is an ACH transaction and can take 3 to 5 business days to show up in my account balance. That money has cleared my account and has been transferred to PayPal. PayPal is holding my money in their bank account and refusing to credit the funds to my account in a timely manner. By delaying the crediting of funds transferred from customers ' bank accounts to customers ' PayPal accounts, the company is using my money and getting interest on my money during the 3 to 5 business days that the money is floating in their bank account. Multiply this situation by the likely tens or even hundreds of XXXX such transfers every day and the amount of money PayPal is skimming off such transfers is enormous.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Problems when you are unable to pay

Complaint: I recently had my car repossessed in XXXX 2015. After the repossession I was given the option to get my car back if I could bring my account current. I brought my account current through Santander and the various agencies they worked with. Once my account was current Santander reinstated my loan and had me being making monthly payments ; however, the status of my loan on my credit report is faulty. It still displays my account in charge off status, with me making monthly payments to the account, and no evidence of the loan being reinstated. 

If my account has been brought current, and you have reinstated my loan, it would only make sense to reflect my account as a simple interest loan once more with installment payments being paid on time currently. It does not seem feasible that one would reinstate my loan while still reporting it as charged off with payments being made on that charge off monthly. 

Santander has refused to give me paperwork stating that they have reinstated my loan. All I have currently is my payment history which they are obligated to provide me with.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a XXXX XXXX on XXXX XXXX, XXXX. We paid our out of pocket deductible to our insurance company. The insurance company was XXXX. After getting calls about unpaid bills that the insurance company did not pay, we agreed with the hospital to pay an amount of {$3100.00} and the account would be paid in full, and the account would be closed. I paid the amount of {$3100.00} on XXXX XXXX, XXXX with a XXXX credit card and received a confirmation number of XXXX that the account was paid in full. It is now XXXX of XXXX, over 15 months later and I have a outstanding balance on my credit report claiming I owe {$4900.00} to " med data systems '' I was contacted by credit agency via phone call and I expressed there has been a mistake. They replied by telling me they just collect the debt and it needed to be paid. I asked them to send me statement in the mail to validate the claim of me owing med data systems {$4900.00}. I never received a statement in the mail or a phone call. These claims have been a mistake by the billing department and now reflect on my credit report. I want my credit report to reflect that this claim of {$4900.00} is a mistake. I have paid the hospital in full and the account should be closed.

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
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: During the month of  XXXX   XXXX ,  XXXX  i traveled out of town from   XXXX   to  XXXX   XXXX ,  XXXX . During this time i was gone from college for   XXXX   XXXX  . However a few weeks after i got back i got a letter from  Discover  saying i was denied a credit line increase request. I never authorized this as is why i claim it fails to establish " Permissable Purpose '' as noted in the FAIR credit reporting act. I have been with discover for nearly a year and a half. In the past i submitted an aplication in  XXXX  and my credit card application in  XXXX   XXXX . I have never had an issue with the company up until now. During the year  XXXX  i found an error on my   XXXX   credit report of a company named "  XXXX   XXXX    XXXX   ''. I had never had contact with this business as is why i disputed and placed alerts on all my reports. I extended the alerts and the companies are notified that i have to be contacted before extending any credit. After filing a previous complaint discover insists i made this credit line increase request. I will continue to dispute that i authorized the request because i did not apply for any credit. It is to the best of my knowledge to state i still have  those alerts on my files. I recently received correspondence from Discover Executive office of Customer Advo cacy, stating they will not remove that information.

Company response to consumer: Closed with explanation