milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: In dealing with Equifax trying to correct errors on my free credit report i was unable to dispute information online because their security questions lock you out. So i spent three hours on the phone trying to get tech support only to be told i HAD to furnish my license and social security card first to prove its me me to fix errors and wrong address. There are many errors i would like to dispute online and cant as well as not being able to understand the persons on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX around XXXX pm I made a cash deposit to my account in the amount of XXXX my balance was XXXX before the deposit was made and XXXX after the deposit was made. Check XXXX in the amount of XXXX had not been posted to the account yet because if the check posted to the account my balance would have not been XXXX after the XXXX deposit. After the cash deposit was made my direct deposit came in the amount of XXXX around XXXX which brought my account to XXXX. I went to the local atm and withdrawl XXXX which came to XXXX after atm fees. clearly on my receipt it states my avaliable balance is XXXX. I want to know why my account was charged XXXX in overdraft fees for a check that had the funds in the account to clear. When I spoke to Chase they stated their processing time is from XXXX But my cash deposit was made around XXXX so why didnt it post immediately. I need the fee reversed because this is putting a hardship on me and stopping me from paying bills because lost of money. If the check posted to my account before i made the cash deposit then i would n't have had XXXX plus my deposit which came to a balance of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Me and my wife have been trying to work with Navient for the last five years to lower our monthly payment now they have declared us in default. I have been unemployed on and off for the last five years, we have mostly been using my wife 's income to make ends meet. We can make payments just not the XXXX a month they want us to pay ... I had tried in the past sending monthly payments between XXXX and XXXX but that didnt even cover interest. Now our Student Loan Debt is over {$92000.00} dollars our original Student loan amounts were only a total of {$42000.00}. Also my wife has spent the last 20 years working at XXXX and since our loans are consolidated we can not take advantage of any debt relief programs.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have a mortgage since XX/XX/2010 with XXXX then Wellsfargo and XXXX   do not have it.. But XXXX and XXXX have it .... I call Wellsfargo and they said they send the report every mouth.. I call XXXX and they said I have to call Wellsfargo.. Im getting the run around from both ... Can you help

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Experian has reinserted a removed item from my credit report without notifying me in writing within the five business days required which is in violation of the FCRA, ( A ) ( 5 ) ( B ), which carries a fine of 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 04/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient has not provided me with any validation that I demanded. I have asked for any agreements signed with them that I all them debt also anything with my signature on it that shows that I owe them dept. Plus complete payment history on this account along with accounting of all additional charges being assessed. Along with many other proof of depth. I do not owe this company dnt know how I obtained dept with them. The info they do send is inaccurat. They have many inaccuracies on my credit and it is affecting me getting a home loan at a decent rate. I do not owe this company any monies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a Notice of Escrow Shortage Letter from US Bank dated XXXXXXXXthe amount of {$700.00}. I called US Bank Home Mortgage talked to a XXXX I explainedwhy I was calling and asked why there was a shortage since I sent a {$970.00} to them in XX/XX/XXXX, he said it was applied on XX/XX/XXXX, but not all to the escrow account. I said fix it, so he opened a Work Order on XX/XX/XXXX and said disregard the Notice. I called US Bank on XX/XX/XXXX to make sure it was taken care of, I talked to a XXXX who put XXXX on the phone and she tells me if they reverse it I would have to re-done my taxes, so I said ok I 'll do that reverse it, after being on hold for a very long time for the second time, XXXX tells me she does n't know if the US Bank will do that, I ask to talk to the department that handles this and she says they do n't take incoming calls, that I would have to write a letter to US Bank Home Mortgage at XXXX XXXX, XXXX, MInn. XXXX to see if they will reverse this. I asked when was the work order cancelled and when was I going to be notified? she said it was cancelled today and she did n't know when I would have been notified since I had the notice letter which I was told to dis-regard! 
See attached Letter and conversation notes and check stub

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2018 about Vehicle loan or lease (Loan) with Heritage Financial Group, Inc. (IN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX XXXX I signed to a 42 month loan with Heritage acceptance corporation out of XXXX Indiana. I signed to 21.70 % apr, a 42 month loan, after 2 years and 6 months of payments I've added my monthly payment of $ XXXX. Why has heritage added another 8 months of payments to my loan without my Permission and without my knowing? I've asked them since XX/XX/2017 to send an itemized statement, I've asked XXXX, XXXX, and XXXX. I've still not received a statement of any kind I just get told if I don't pay the monthly amount they'll repo the vehicle. Now with them adding almost another {$2000.00} on my loan at this rate they could have anyone pay {$500000.00} for an XXXX XXXX with XXXX miles! Total violation of my rights and truly a breach of contract! But what can I do, they've got the title so i guess they can add whatever to your loan and you better pay it on top of the high interest rate or you'll just be out {$8700.00}!!!! 
Since the beginning of the loan i was placed on biweekly payments when I showed them I receive social security supplemental income payable the first of every month so they've had me paying biweekly and keep saying I'm behind although I never have received a statement in 30 months of a XXXX  month loan! I can not believe this place is allowed to still do loans!

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Afni sent a letter concerning a debt with XXXX XXXX that does not belong to me. I have never been a subscriber to this company. I do n't recognize this debt. This collection company has threatened to take further action without first verifying this debt. I would like them to submit any signed documentation or drivers license that they may have in their files to me to give me as much as I can to press charges against the person ( s ) that this debt belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: Citibank closed my Citi Prestige card after I paid the annual fee for the membership year. They closed it about 6 months after I paid the fee, and are refusing to refund the portion of the fee covering the remaining 6 months of the membership year. Citibank 's communication with me, which is attached, states they would refund it if I closed the account within 30 days of paying it. It was not my choice to close my account which never had a late or missed payment, so Citibank is participating in unfair and deceptive practices by charging a fee and then closing an account leaving me without access to paid benefits.

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 07-12-2017 about Checking or savings account (Checking account) with U.S. BANCORP (KS).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: US Bank in XXXX, Kansas. I closed my bank account and wanted to reopen it but was denied. I had no bad checks or problems while the account was opened. I felt the Manager used his influence to get me to close it. I want to reopen this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (NJ).
Issue: Other service problem

Complaint: I was kept on hold for a total of about 35 minutes and spoke to representatives for all of about 3 minutes. I have been trying to access my money through an online exchange called XXXX XXXX XXXX XXXX. I have every right to access my money in this matter and know many who access their money through XXXX with a TD account linked with no problems whatsoever. I get a message saying TD is blocking me from third party applications. I call support and he tells me " that 's no problem, we can just lift the block from your account '' he then puts me through to a tech representative who pretty much told me what I was talking about did n't exist and she could n't help me all while complaining to me about why the support rep put me through to her iin the first place. Then I asked to speak to the supervisor who actually gave me some service but told me that I cant access my account through XXXX. I feel targeted and very annoyed that I can see account transfers on friends TD Bank applications involving XXXX but I 'm told I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Deposits and withdrawals

Complaint: My husband 's debit card information was stolen ( presumably skimmed from an ATM machine ) and then used to make withdrawals of over {$1000.00} from his Chase checking account. When we made a claim with Chase, they declared that the withdrawals were valid -- despite being made in a different part of the country and completely out of line with our banking habits. My husband only makes withdrawals from ATMs a couple of times a year, since we use online banking for almost all transactions, and never in such large amounts. Furthermore, my husband was out of the US at the time of XXXX of the XXXX transactions -- a fact which we provided evidence for in the form of airline reservations, passport scans, and entry/exit stamps from the country. Despite the fact that my husband was not even in the country to make the withdrawals, never mind the fact that we live on the opposite side of the country from where the withdrawals were made, Chase deemed the withdrawals as " authorized. '' We lost over a thousand dollars and have no intentions of ever keeping our money in a Chase checking or saving account again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is a derogatory remark on my credit report that involves a tax lien that has been released. The tax lien was reported to the credit reporting company in XX/XX/XXXX. The lien was resolved and released through the filing of a previously missed tax return several years ago. The credit reporting company shows the lien as released but the derogatory remark regarding it remains on my credit report as of today, XX/XX/XXXX. I lodged a dispute with XXXX earlier this year but I have not heard back from them. I have not lodged a dispute with Transunion, believing the derogatory remark would be removed due to its age. However, the derogatory remark remains on both credit reporting reports.

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 06-06-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Today I receive a letter from Synchrony Bank/Walmart reducing my credit limit based on a consumer report pulled on   XXXX   XXXX   XXXX   and a score of  XXXX . I called Synchrony bank/Walmart to ask when my credit was pulled and the representative (  XXXX  ) would not tell me. When I pressed for an answer to my specific questions above again he proceeded to tell me maybe on  XX/XX/XXXX  or   XXXX   XXXX   XXXX  . When I asked to speak with a supervisor, reluctantly   XXXX   placed me on hold for 14 minutes and   XXXX   came on the line as an account manager. I asked   XXXX   the same question above ( when did above creditor pulled my credit and he proceeded to me that my credit was not pulled but they use a different company to get a score.
<P/>
Can you please help me with Synchrony Bank/Walmart who are violating my consumer right by illegally pulling my credit score or lied about the fact in attached letter as my credit is frozen with all   XXXX    bureaus?
<P/>
I am aware that companies can use other methods to review an account but not as stated in the attached letter.
Please advise.
<P/>
Sincerely,   XXXX   XXXX  ,   XXXX     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 12-04-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MD).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I purchased an automobile in XXXX XXXX 2014 and was financed through XXXX XXXX where negative equity was rolled into the asking price of the new vehicle. As a result this inflated the cost of the vehicle to {$24000.00} with monthly payments of {$540.00}. Did not realize at the time of signing the impact the interest rates would have on the loan, especially in the event payment is late. I have experienced some hardship and had to either defer or pay late. In defering payments, I was charged up to half of the monthly payment just to defer payments. When looking at my last statement, after making 24 payments I still owe over {$20000.00} on a XXXX XXXX XXXX that currently values at {$9000.00}. the 24 payments paid ( + {$13000.00} ) does not include other fees paid. To add insult to injury, my last payment of {$540.00} shows that {$540.00} of it went to interest. 

This is killing me, and because of the negative equity in the now value of the car, I am unable to get out of this car/loan without an astronomical expense.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sent an email to Ocwen and XXXX XXXX XXXX, XXXX on XX/XX/XXXX requesting that our mortgage file be removed from the OOMLT 2006-1 remittance report for next cycle XX/XX/XXXX and the collateral file for the next cycle of XX/XX/XXXX since a valid transfer of assignment has not been provided to me that meets the new servicing standards and Ocwen National Servicing Settlement agreement. Ocwen and XXXX XXXX XXXX, XXXX has included our mortgage loan in the XX/XX/XXXX remittance report and theXX/XX/XXXX collateral file even though a valid transfer of assignment does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Credit card) with Stillman Law Office (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX, XXXX I received a letter from XXXX XXXX, c/o XXXX XXXX, stating that the letter shall serve as notification, that XXXX, XXXX has agreed to the proposal that the account has been settled in the amount of {$2500.00}. XXXX XXXX XXXX has been handling my debt with my creditors, per our contract agreement, as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was served a District Court of MD Writ of Summons stating a court date of XXXX/XXXX/XXXX in regards to this creditor. I contacted XXXX and sent the information to XXXX XXXX of XXXX and she stated that it was taken care of in XX/XX/XXXX and the debt was settled. I have since been attempting to contact XXXX about this matter, tthe court date came and went, and now there is an open DC judgment filed against me. When I contact XXXX they tell me that they have made numerous attempts to clear this matter up with the creditor, but the office of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, does not return the calls from XXXX. Current date, XXXX/XXXX/XXXX and I have not heard anything from XXXX XXXX XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any notifications to state the status of the judgment nor have I heard from anyone regarding any progress with this matter, This is now a Credit Report status and I would greatly appreciate this being removed!

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: Someone impersonating our grandson called us on vacation from XXXX XXXX, XXXX XXXX needing money to stay out of jail. He crashed a rental car and hit someone and there was alcohol involved. He was hurt and then handed the phone over to the police official, XXXX XXXX, and he indicated that we would need to wire {$1900.00} in order to pay for damages. He would then be put on a plane and sent home. We later found out that our grandson was home all along.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: MIDLAND FUNDING LLC  XXXX   XXXX   XXXX   XX/XX/XXXX  Open {$1500.00} Account Details Last Reported  XX/XX/XXXX   Collection Agency  MIDLAND FUNDING LLC Original Creditor  01    XXXX   XXXX   Status Open Opened Date  XX/XX/XXXX  Closed Date -- Responsibility Individual Balance {$1500.00} High Balance {$1500.00} Remarks Placed for collection Creditor Contact Details MIDLAND FUNDING LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with  XXXX , please wait for your prior dispute request to be processed or contact  XXXX  directly.   See the details here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Payday loan, title loan, or personal loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (OK).
Issue: Problem when making payments

Complaint: Im self employed and I got a large personal loan through XXXX XXXX in XXXX ok. I put my wifes phone number as the office number to my shop because she deals with the office. Well the manager and asst manager in the office, XXXX and XXXX, have both called my wife on multiple occasions and instead of asking my wife to get me a message to give them a call back. They released all my personal information. My wife is not on this loan, she knew about it yes, but I did not give the office permission to discuss the account with my wife other than leaving messages with her to give to me. My wife had called up to the office to make a payment on the loan and the branch manager XXXX told her that she needed to pay more or they would be filing legal on her. She reminded the office she is not on the loan and is not suppose to be discussing details of the account with them because she is not responsible for the loan, and they have called back multiple times. Sent collateral secured letter to my home saying that we had a vehicle secured by this loan, which there is not a vehicle secured loan at all. Ive tried calling XXXX XXXX XXXX   office on multiple occasions and have not received any call back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Mortgage debt) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On X/XX/2017 I sent certified letters to theXXXX, XXXX, XXXX asking for a letter of validation for National Credit Systems for the amount of {$2300.00} all credit Bureau is saying acccount is valid but they have not sent what i requested which was written documentation that I signed showing its valid. On X/XX/2017 I sent another letter asking for the same information received another letter stating valided account but no further information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation