milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Early in my marriage a spousal consolidation was taken out with what is now Navient ( FFELP department ). At the time it seemed like a good option. We are now divorced. I want my loans separated from his loans. If a major corporation is going to allow spousal consolidations, they should make allowances for spousal divorce of physical person as well as financial person. If one of the parties refuses to pay, that leaves one party holding the debt. There is nothing democratic, fair or ethical about that situation. The department of education needs to fix this issue immediately and HELP the consumers who are trying to HELP THEMSELVES. My credit and payment history are being ruined by my ex-spouse, and Navient refuses to allow some way for me to reconsolidate MY loans into MY OWN account and get financially free from my ex-spouse. 
Also, as a single mom, I am trying to better myself by furthering my education in graduate school without taking out any further loans. Navient is refusing to give me a school deferment because they will not take my ex-spouse 's off of the overall loan. Unless he is in school as well, they will not put the loan in deferment. This problem needs to be corrected! There needs to be a way for spousal consolidations to be fairly rewritten upon divorce so that one person is not left paying all the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account balance from creditor is higher than what has been reported to me by more than {$8000.00}. Contacted creditor and they stated the amount is the lower balance that I was aware of and that I have no delinquencies, but my creditor report shows otherwise.

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 08/25/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, XXXX tried to scam me into paying a debt allegedly from XXXX, which I do n't have and offered me to settle by paying 20 % of the outstanding amount.

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 09/20/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On or about XXXX XXXX, 2017 I applied for a Loan with XXXX XXXX XXXX XXXX. This Company Deposited Cash into my account so I tort. Found out later that it was personal checks by Phone into my account. I wrote TD Bank about this matter and there VP Investigator XXXX XXXX XXXX Replied to me in this matter Sense you gave your infomation to this lender you are held responsible for these checks because It 's your Bank account. " WOW '' Let me brake it down one more time to XXXX in steps 1 ) Cash Deposit is available RIGHT AWAY 2 ) EFT Deposit is available RIGHT AWAY 3 ) Government and Company Checks are held for 2 to 3 Business Days 4 ) Personal Checks are ( HELD AND CHECK TO MAKE SURE THE ISSUING BANK HAVE THE FOUNDS TO COVER WHAT IS WRITTEN ON CHECKS ITS ONLY AFTER THAT THE FOUNDS WILL BE RELEASE INTO YOUR BANK ACCOUNT. With in 5 to 7 Business Days. Confermation # with TDBank is XXXX the amount cease by this Bank is over {$3800.00} Dollars Pluse pain and suffering and the taking my sons XXXX Check

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: After hearing an advertisement on the radio from XXXX XXXX XXXX, a division of SunTrust bank, in regard to personal loans with no hard credit check, I applied. Three weeks later a hard inquiry appeared on my credit report. 

I spoke to a customer service representative at XXXX XXXX, and basically was told to deal with it. When I pushed back he stated that he would log a compliant with the company. With in five minutes I had a email telling me to take up my complaint with the credit bureaus with phone numbers attached, they were wrong numbers?? They have no intentions on handling my dissatisfaction of their business practices. 

They also advertise on XXXX, XXXX web site stating a soft credit hit. So they are false advertising on the radio and on different web sites. There are many poor reviews complaining of these deceiving advertising practices, that's when I decided to complain to CFPB. This company needs to be transparent, forthright when soliciting their products.

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 08/30/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an issue with this account with Portfolio, I requested validation, payment history, signed contract etc. I received a letter with a couple statements which I reviewed but does n't validate this account at all. From what I have taken from the information sent in XXXX something was purchased for XXXX nothing received for Decor XXXX 2013, then a statement in XXXX given that tells me no payment was made and min due is {$410.00} then a statement in XXXX same data no information, nothing paid, XXXX the same nothing paid, XXXX same, nothing in XXXX then XXXX min due XXXX and same in XXXX. I would like to review the signed contract with XXXX, was any payments made on this account? I do not feel this is validation. I took it upon myself as this account which is an error to try to just settle this so it is not hurting my credit and was denied. I do not agree with the data given and where is the proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (CO).
Issue: Incorrect information on your report

Complaint: XXXX mortgage shows that we are 3 months down we have been caught since our filing in 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 10-03-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed more CFPB complaints against Equifax than I can count. The company has repeatedly failed to take proper action to correct my credit report. 

I have nearly a dozen accounts with incorrect information on my credit report. This includes incorrect balances, accounts that are closed being reported as open and duplicate accounts. I have notified Equifax of problems with my report multiple times, you can view my complaints with the CFPB as proof of this. 

For example, my credit report lists XXXX open XXXX XXXX accounts when I have XXXX open accounts. It lists XXXX open XXXX accounts when I have XXXX open account. It lists XXXX open Comenity accounts when I have no open accounts. The list goes on. Some of these accounts have not been updated in years. Equifax tells me it 's the creditors fault. The creditors tell me it 's Equifax 's fault. Nobody wants to rectify this. 

I have spoken to the public affairs department at Equifax which is rude and unhelpful. A gentleman took a dispute from me but so far nothing has happened with it. The creditors have ALL CONFIRMED THEY ARE REPORTING TO EQUIFAX O THE PROBLEM IS WITH EQUIFAX NOT THE CREDIT COMPANIES. 

There is XXXX a problem with my report where information that is being reported by the creditors is not being updated for some reason. My other credit bureau reports are updated fine, so I know the creditors are reporting. This is happening with a multitude of creditors too, so it 's not just XXXX company that is having a problem placing information on my Equifax report. Accounts are updated for a few months, then the reporting stops and I am left with incorrect information ( i.e. that closed accounts are open ). This is a huge problem and has a huge impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Bank account or service (Other bank product/service) with SVB FINANCIAL GROUP (OK).
Issue: Making/receiving payments, sending money

Complaint: In XXXX XXXX, I was expecting a check from XXXX XXXX as settlement for my XXXX tax refund. Unfortunately, On XXXX XXXX, XXXX, my check cashed using a forged endorsement. The XXXX of the person who cashed it had been written on the check. After consulting with a detective in the XXXX Police Dept, I learned that the XXXX belonged to someone with the same name as mine, who lives in my neighborhood. After contacting XXXX XXXX headquarters, I was informed that i would not be issued another check, even though i did not benefit from the check, nor did was i aware of it being cashed. Also, I was incarcerated in the XXXX XXXX XXXX on the day the check was cashed. XXXX XXXX of XXXX XXXX provided me with a copy of the cashed check. Next, i contacted Silicon Valley Bank ( SVB ), which is the bank printed on the copy of the check, and informed them that i wanted to file an " affidavitt of forged endorsement ''. SVB would not provide me with their affidavitt, but forwarded it to XXXX XXXX, to be forwarded to me. However, XXXX XXXX denies receiving such email, and has since ignored my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Medical) with Choice Recovery, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This bill for {$130.00} I do not owe.I did'nt ecieve a statement untill 2 years after my appoitment, I paid my deductable the same day of the appoitment, XXXX should have submited the charges to my insurance ( Wellcare ) at that time.I did'nt have that insurance after that year, I had to change it.But they did'nt bill me untill XXXX years after the appointment which I am not responsable for!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-05-2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: on XXXX XXXX, XXXX my husband and I short saled our house. We have not received the 1099c to do our taxes. I have emailed and my husband called on XXXX XXXX, XXXX about this matter. I called today XX/XX/XXXX and was told by customer service that we will get it by XX/XX/XXXX. We found out that our credit reports were all messed up because of XXXX XXXX. We could not get another loan and I could not get a job because of this. I am still trying to find a job. We have all documentation for credit reports to prove that XXXX contacted and put addresses that we never lived at. I still have a lawyer on my credit report that should not be there.We should have received our 1099c in XXXX. They had plenty of time to do this. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After viewing a copy of my credit report, l noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that l possess, and I am seeking the name and hospital/medical provider to which l owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please accept this letter as my formal debt validation request, which l am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

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 07/27/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (OR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I kept receiving notices that we could lower our monthly payments or refinance our mortgage. So instead of going with my normal broker, I gave caliber home loans a try since our current mortgage was with them. I dealt with XXXX XXXX, what started off as a great conversation and superior customer service turned into one of the most disturbing and unfortunate situations.
After a three hour phone call, he told me we were approved. Next step was getting a home appraisal, he told me to use a credit card that I planned on paying off with our refi/debt consolidation. {$850.00} for a home appraisal- Once he took that transaction over the phone, it was like he disappeared off the face of the earth. I would call, email, text With questions about where we were in the process. He blocked his phone number so we could not get in touch with him. I know he did this because I would try from a different phone numbers and it would go through successfully. My husband finally got through to him on the phone, and XXXX would just continue to make excuses and ask questions as to delay the process. 2 1/2 weeks later we were still In limbo/ waiting ... after being told we were already approved and signing paperwork. Now out {$850.00} on top of her other debt we were hoping to pay off with our refi, I finally called the customer service number. They told me that he did in fact exist, and that someone should have been in touch with me. Then we find out that we were not approved, we were completely left in the dark and {$850.00} more in depth. Never a phone call and email a response. I have email after email of trying to touch base with him he finally responded at the end apologizing that he did the best he could!!!
After this experience, I went back to my broker in tears. I totally got reprimanded for not using him in the beginning Luckily XXXX  at XXXX XXXX in XXXX Oregon Took over, used the current home appraisal and got us approved for a refi. his company hounded XXXX for some information and again no response- they needed to go directly to customer service and request the information that they needed. And in the end they were the ones who encouraged us to file a complaint against caliber home loans and XXXX XXXX as this is completely and totally unacceptable.
I have emails that I could probably pull up off the cloud if necessary, I do have the current emails from XXXX XXXX attempting to reach out to XXXX for information multiple times.
Caliber home loans is a total joke, I would never recommend them, use them or return to them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I was trying to use my chase card at a bakery on XXXX/XXXX/15 in XXXX and discovered my charge card was declining my transactions. Chase card company texted and called me to inquire about the unusual activities they spotted on my card. I informed the chase representative that those are charges on my chase card not mine and they are unauthorized, therefore terminate my card. The chase representative then asked me, when was the last time I used the chase charge card? I explained to the chase representative that I used the chase card on XXXX/XXXX/2015 at several stores in XXXX, XXXX. I did not use my chase card in XXXX nor XXXX to purchase apparel. The chase representative stated that he will forward my disputes to the chase claim department and they will provide me refunds on the unknown charges to my chase account. The chase representative also stated that I will be receiving a new chase card in the mail. I thanked the chase representative for his assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Medical) with Patient Accounting Service Center (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/XXXX I went to XXXX Medical Center for a XXXX. I stayed in the hospital overnight. A few weeks later the bills started rolling in and I agreed to pay the remaining {$1000.00} after insurance was collected. XXXX began billing me and each statement was different after agreeing to a monthly {$100.00} payment. I paid {$100.00} on XXXX/XXXX/XXXX and waited for the next month statement. On XXXX/XXXX/XXXX the statement was for {$2200.00} and I contacted both the hospital and my insurance. The insurance called XXXX and they agreed that there was an error and they would send correct statement. On XXXX/XXXX/XXXX I got another statement for {$2200.00}. I again called the hospital and insurance and the insurance contacted XXXX and again they said they erred and would send correct statement. On XXXX/XXXX/XXXX I got a letter from debt agency indicating I was sent to collections. I have a credit score of XXXX. I called XXXX again on XXXX/XXXX/XXXX and asked what was going on and they said it was my responsibility to pay and I explained how they were sending me wrong statement amounts and that I would have gladly paid the {$100.00} a month if they did their part and statement showed correct balance. 

I hope you can help me with this, I have no issues paying the monthly or even full balance if I could get someone there to understand how they erred and I should not be taken to collections for something out of my control. I always get a different supervisor with different answers on how all of this was my fault even though I set up a payment plan and they failed to bill me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Mortgage (Conventional home mortgage) with CROSSCOUNTRY MORTGAGE INC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Received two Loan quotes from the preferred in-house Crosscountry lender on a new home purchase XXXX18 that varied greatly and extra fees to recoup their {$7000.00} incentive. Told him that we could not do these loans. The sales office uses " Steering '' tactics to scare you into choosing the in-house CrossCountry lender. Looks like the Builder may have family connections with preferred lender. Is this why the builder " Steers '' customers here? Lender conveniently matched the outside lender and gave us {$7000.00} incentive to use towards closing costs once he knew we were going with outside lender. We signed off on the new loan estimate. Time passed to change lenders and then he " Crosscountry '' told us that we did not qualify for new loan. He once again charged the higher pmi from {$240.00} to {$300.00} and went from {$0.00} points to {$7000.00} in points. We did not agree to this. We agreed to move forward on the loan we signed off on. Our other lender was not charging points, lower pmi and was going to get us a credit to compete with in-house Crosscountry lender. Builder is keeping our EMD because we cancelled. We could not afford the extra pmi and we were counting on the {$7000.00} so called credit. We had XXXX credit rating, money in the bank and good jobs. How can a builder back you in a corner until you have no choices and make you purchase a property? Their in-house lender does not follow through and the consumer pays for it. There seems to be an inside operation going on here, Builder and Sales manager at Crosscountry same last name? Interesting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation