milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a student loan that I 'm paying back through Navient.I recently started back making payments for {$100.00} a month.Navient sent me a letter stating that I had not made a payment, but sent me a conformation of payment made XX/XX/2017.I still have my recite from that payment which was paid before the due date of XX/XX/2017.Navient is not interested in collecting debt from customers, but more interested in postponing debt to later charge customers higher interest on the debt.Navient has constantly tried to give me extensions on my payment everytime I speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Firstmark Services http : //firstmarkservices.com/ They received and deposited my check but continued to call 4 times a day for an additional 6 business days. They call 4 times at the same time of the day every 15 minutes. I called and ask they stop calling as my bank statement showed they deposited my check beyond a week prior and they said their system takes " 48 hours '' to remove myself from their call list. So even though they received my money, they continue to harass until their " system '' does some type of " update '' to remove me from the list. Not sure how it 's legal to receive and deposit $ but not have technology built in to notify their call system to stop calling. Is it legal to harass someone 4 times a day when the purpose for their call is no longer an issue? I have all the call logs and bank statements needed. There is no way to remove one self from their automated system. I did NOT ask XXXX Bank to sell my student loan for them. Had the loan since XX/XX/2008 - never had ONE issue until they sold it to Firstmark. They even backdated the payment due date which essentially required me to make a payment to XXXX and then 15 days later immediately to Firstmark. Not sure if I have any consumer protections at my behalf to help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Im really worried about why I can not receive my free annual credit report.

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 05/20/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my XXXX and experian Credit reports. The XXXX and experian report clearly shows that my last payment was in XX/XX/XXXX, but XXXX reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written XXXX and they have yet to respond. when I call XXXX I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with XXXX via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my XXXX credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from XXXX and experian claim that a change had been made, but the derogatory is still on my credit reports. Pls 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 05/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: In  2016 , my wife and I applied for a n Income-Driven Repayment Plan with Navient.   This lowered the monthly payment on my wife 's student loan to an affordable {$94.00} a month. Last year, our income was reduced as my wife 's employment went from 5 days a week down t o 4, and  so our  Adjusted Gross Income f or  2016  went down by almost {$10000.00}. We also had a baby last  XXXX . In  XXXX , it came time for us to re-apply for the IDRP, so we submitted our tax return for  2016 . The payment jumped up to almost {$200.00} a month. We called  Navient  to try and have somebody work a new plan with us over the phone. The woman who we spoke with said we make too much money, which is absolutely ridiculous! We make less money than we did when they originally reduced the payment, and we have a child! We asked her to elaborate and she had no explanation. We 've had NOTHING but issues with this company from da y 1. T heir collection actions are predatory, and they are not in service to the borrower. They are in service to themselves. It 's especially troubling seeing as how they 're allowed to service government-subsidized loans. We still have been unsuccessful in getting the payment reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I tried to open a bank account with Wells Fargo and then found out that I have several fraudulent accounts opened up under my name and social. I 've reach out to Wells Fargo to gain resolution and keep getting the run around. The accounts are a result of my identity being stolen.

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 09-05-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Dear officer, First of all, thank you for your time on this issue. Back in XX/XX/XXXX, I was cashing a check at one of the local Citi bank branch, one of the banker approached me with an offer to get {$500.00} cash bonus. Then she helped me to open a Citi priority checking and savings account with the promo code XXXX /. I called the customer service line and all of reps confirmed that I will receive it by the end of XX/XX/XXXX. Meanwhile, I got the Citi Secured message communication with rep XXXX XXXX, she confirmed that I will receive the {$500.00} bonus in writing, here is the direct quote from the message and please see the attachment for the full transcript. I see that a {$65000.00} deposit was made to your account on XX/XX/XXXX and at least {$50000.00} has been maintained in your account for the 60 days required. 60 days from XX/XX/XXXX was XX/XX/XXXX. The fulfillment time for the promotion to be awarded to your account is 90 days from the end of the statement period in which you met the qualifying requirements, which will be the end of XXXX ( XX/XX/XXXX ). 90 days from XX/XX/XXXX will be XX/XX/XXXX, which is the date that you should have your cash bonus awarded to your account. 

I was confused why I still did n't get the {$500.00} since now is XXXX, then I asked for another research on XX/XX/XXXX and got a response on XX/XX/XXXX as The terms of this offer state your new checking account must remain open and in good standing in order to receive this offer. Unfortunately, you do not qualify for the promotion as the checking account number ending with XXXX has been closed. ( please see attachment for the full research result ) Then I did the online chat with Citi bank to ask why my account was closed, the rep told me it was inactive, which does n't make any sense. I did n't get any notification saying that the account will be closed due to inactive and it happens to be that the account was closed on the next day after I ask for the research. ( please refer to the online chat transcript ) I have been calling Citi bank customer service back and forth and still did n't get a formal response why my checking account was closed without notification, which caused me could not get the {$500.00} cash bonus. I am running out of patience to wait for another investigation I just want to write to express my deep frustration and concern about the customer service and marketing team 's quality at Citi bank. Thanks again for your time and have a great day! XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am in the process of getting my loans out of default. I initially called the XXXX to get a breakdown of all my Direct loans. I was informed by a representative of the XXXX that my loan is now being handled by GC Services. I was provided with the contact information ( XXXX ), and gave GC Services a call immediately. The agent handling my case provided me with amount of money owed for the Direct loans, and told me I was required to speak to her manager if I had specific questions on the defaulted Direct loans and options for repayment. I agreed, and was transferred to her manager who then proceeded to explain the option of the Rehabilitation Program. Once he finished explaining what the Rehabilitation Program is all about, he proceeded to ask me questions like, my most up to date address, phone number, and place of work. I explained to him that I did not feel comfortable providing that information until I considered all my options first, and by doing so I needed to know what the monthly payment would be if I considered the Rehabilitation Program. He proceeded to tell me that he will not give me that information until I told him I wanted to participate in the program. So, I told him if he did n't want to provide the information to me I would go along pretending I was going to participate in the program just so I can get an idea of what my monthly payments would be. Once he gave me the monthly payment amount, I proceeded in telling him that I will not be moving forward with the program until I know all of my options. He then threatened me with garnishing my wages if I did not participate. Although I am aware this is a possibility, under the Fair Debt Collections Act, it is prohibited to threaten any person in connection with the collection of a debt. This is a threat and should no be tolerated by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equfix Took it off the Added Back to the Report! Please Remove This

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX holds an auto loan in mine and my daughter 's ( XXXX XXXX ) name. The loan has been paid every month on time through ACH and we have the documentation to substantiate. For some reason, this month they decided to show it as closed and sent to collections. My daughter has been on the phone with XXXX XXXX all morning and no one can explain why this has happened and what their plan is to correct it. This is not correct. We still have the car. The payments have been made on time every month. Help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CT).
Issue: Problems when you are unable to pay

Complaint: I am in bankruptcy as of XX/XX/XXXX. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. This creditor is also reporting me late for XX/XX/XXXX when it 's XX/XX/XXXX, i.e. the month is n't even over yet!!

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 08-03-2015 about Debt collection (Federal student loan) with Windham Professionals, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My Student loan was permanently discharged, on XXXX XXXX, XXXX with a 3 year moniterng program, I have complied with all the requirements as stated in the letters from the service loan company XXXX. The last report for income was sent to them on XXXX XXXX XXXX, that would have been the last of the monitoring time. I have also received a XXXX form for the IRS. I am permanently XXXX, and have been since XXXX XXXX. Up until that time I paid the loan and was current and up to date. I now have received 2 collection notices from Windham Professionals stating that I owe the XXXX these loans, I have spoken to the head of collections at Windham, she suggested a 3 way conversation in which I agreed to after I spoke the Total and Permanent XXXX servicing unit. I was told by the servicing unit the loan was discharged on XXXX/XXXX/XXXX. And that I should NOT have gotten a Collection notice from Windham. According to the 3 way conversation Windham was going to e-mail a form to XXXX stating that the loan was permanently discharged this was my understanding. As of today 's date nothing has been solved it has gotten worst. Windham has sent me another demand for payment, and in speaking to XXXX they said that they filed to have the paperwork returned to them for discharge, from the XXXX XXXX said that they have not gotten the demand for the return. XXXX said that they can not send for the demand again for 150 days, this is absolutely in my opinion a scam from the pages of a book called " Nightmare in XXXX '' one agency is trying to say the other agency is at fault and the loan servicing company XXXX is trying to blame the consumer with neglect, when in fact I have all my paperwork to them. Also my credit report is in a shambles because of their neglect in not handling this matter correctly. I would like to know if there is anything else that I can do or say, in allowing this to take place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX for ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( formerly XXXX XXXX ) are listing my accounts as Charge Offs when these should have been discharged in Chapter XXXX Bankruptcy on XXXX/XXXX/2015. They need to correct all XXXX CRAS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Mortgage (VA mortgage) with Stearns Ventures, LLC (HI).
Issue: Loan servicing, payments, escrow account

Complaint: We received a 100 % property tax exemption in XX/XX/XXXX due to a 100 % XXXX. Our state sent a copy of the XXXX balance/exemption to our mortgage lender. We sent a copy to our mortgage lender beginning XX/XX/XXXX as they still showed an upcoming disbursement for taxes. The normal distribution schedule is in XXXX and XX/XX/XXXX. We received no feedback. We called on XX/XX/XXXX and were told to send the documents again. We sent them and were advised that the company would verify with the state and call us back on the XX/XX/XXXX. We received no call by XXXX so we called. We were advised that our request would be completed by the XX/XX/XXXX. We asked to speak with the tax department and were advised they do n't interact with customers. We asked to speak with a supervisor and was informed one would call within 24 hours ( I am still waiting ). We called back on the XX/XX/XXXX and were told no changes and to call again the next day. We called on the XX/XX/XXXX, no changes but were told again they need to contact the state. I again requested a supervisor and was told one would call back in 24 hours ( although you could hear the supervisor coaching the representative response ). This is a common mismanaging of our escrow funds as we are always in arrears because they did not accurately record tax and insurance bills. We have 5 days until this company is scheduled to disburse money we do not owe and that the state will not refund.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was storing my sensitive credit information irresponsibly without sufficient security on its databases. Hackers managed to get into the system and gain access to potentially devastating information on my credit. Equifax took multiple months to make the public aware of this hack, even though they knew about it beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
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: I continue to receive inquiries on my credit file from chase bank. I have already reached out to chase to inform that this is fraudulent. I have an extended fraud report under all three credit bureaus that I have a fraud alert ... but yet chase continues to NOT CONTACT ME prior to extending credit knowing this is fraudulent. Every time I contact their so called fraud department, customer service claims to take care of it. I have yet to have any inquiries deleted from chase let along, more inquiries as of today X/XX/17 happening again..why is chase continuously letting someone apply for credit under my social without contacting me? This is ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: My XXXX XXXX XXXX XXXX XXXX XXXX issued XXXX XXXX ending in XXXX was closed by the issuer at their discretion in XX/XX/XXXX due to security concerns. The company confirmed the account closure in a letter to me dated XX/XX/XXXX. However charges for {$34.00} appeared eight months later on XX/XX/XXXX and the issuer allowed them to go through despite closing the account. The issuer added late fees and minimum fees to my account after this and then contacted me for payment. I called the issuer on XX/XX/XXXX and also logged into the website to discover the issuer had not closed the account and there was an available balance. I do not trust XXXX despite its letter to have closed my account and wish the department to follow up on this case. 

The person I spoke with was : XXXX Identifier XXXX from XXXX Idaho The Issuer is XXXX XXXX  at phone XXXX

Company response to consumer: Closed with explanation