milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Back in XXXX, we were reapplying for our income based repayment plan. On XX/XX/XXXX we received an email saying they received our information. On XX/XX/XXXX, we received a message stating that our forbearance/deferment was ending with no indication of the repayment plan but still indicating that our payment would be {$160.00}, which was what we were previously paying. On XX/XX/XXXX, we received an updated payment plan, which was switching us to standard repayment of {$270.00}. I phoned them asking about the status of out repayment plan renewal and was told that I could ignore the standard payment and needed to wait until the committee looked over my application. On XX/XX/XXXX, they emailed in response to my phone call stating they had my tax return information and that they have estimates of repayment but no guarantees and that it could take 14 days to come to a decision. On XX/XX/XXXX, we received another email that our repayment application had been received. On XX/XX/XXXX, we received 2 different emails stating that we were missing documentation. One was for a section of the application missing information and proof of income. This was despite being previously told they had our proof of income. OnXX/XX/XXXX, they enabled that they needed my husband 's signature. This prompted another phone call. On XX/XX/XXXX, they emailed us saying they received our proof of income and it takes 15 days to process. On XX/XX/XXXX, we received an email stating that we were back in standard repayment with the higher payment due. On XX/XX/XXXX, after we had emailed them trying to clarify, they responded saying they needed a signature from my husband, reapply, and proof of income. I called them the same day and was told that I had filed the application our incorrectly and not to worry because we were still in deferment. We promptly typed a new application with my husband 's signature and emailed it to them with a message saying that we already had proof of income and tax returns on file. On XX/XX/XXXX, XXXX XXXX from Navient emailed stating she had submitted a request to expedite our request received XX/XX/XXXX along with proof of income received onXX/XX/XXXX It also said a letter would be sent to us when a determination is made. Today, we received 2 emails stating that the application was missing information and proof of income. We emailed them tonight saying that was impossible because we typed the application and had it in front of us and they already indicated they have our proof of income. Meanwhile, XXXX, my other lender, has already approved my repayment plan without any trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: My parents XXXX XXXX XXXX XXXX banked at Chase prior to both of there deaths. I want to know how a bank account can remain active after their deaths and if the bank has any property under my father XXXX XXXX. 
I am not sure why this account was able to have someone access it and transfer money into it which my attachments upon close review demonstrate this. I am attaching files which show the timeline of employees interaction upon his death. I want to be allowed to review his estate matters as no administrator. I want permission which as a person in his will and the Texas law allows As I have a certified copy of his will and his death certificate. 
I request information on both my parents to be reviewed. under the Texas Estste Code : Sec. 151.003 EXAMINATION OF DOCUMENT OR SAFE DEPOSIT BOX WITHOUT COURT ORDER ( a ) A person who possesses or controls a document delivered by a decedent for safekeeping or who leases a safe deposit box to a decedent may permit examination of the document or the contents of the safe deposit box by : ( 1 ) the decedent 's spouse ; ( 2 ) a parent of the decedent ; ( 3 ) a descendant of the decedent who is at least 18 years of age ; or ( 4 ) a person named as executor of the decedent 's estate ina copy of a document that the person has and that appears to be a will of the decedent. 
( b ) An examination under Subsection ( a ) shall be conducted in the presence of the person who possesses or controls the document or who leases the safe deposit box or, if the person is a corporation, an officer of the corporation. 

I look forward to visit and review by parents closed accounts.

Company response to consumer: Closed
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: Please refer to my original complaint regarding Ditech : complaint XXXX ( this should have never been closed as it has yet to be resolved ). I have yet to receive an explanation as to how they received a copy of an auto loan agreement I had with XXXX. I have yet to receive their business license number to practice in the state of California. I have yet to receive a copy of the notice they have provided to all credit bureaus indicating late payments are to be reversed. Since my complaint indicated above, Ditech has provided a notice of servicing transfer dated XXXX XXXX, XXXX to be effective XXXX XXXX, XXXX. I have never..ever.received such a short notice ( please see attached ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Revenue Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This item was removed for XXXX and XXXX but XXXX will not delete this incorrect collection from my report UNITED REVENUE CORP XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Bank account or service (Checking account) with U.S. BANCORP (IA).
Issue: Problems caused by my funds being low

Complaint: I have a complaint against U.S. Bank XXXX. I noticed I was overdrawn XXXX. I immediately deposited XXXX which brought up account balance to a little over XXXX. Then they still going to charge me an overdraft charge. Why? The account was n't overdrawn at that time ...? Seems they are mad because I got the account back up before they had the chance to charge me, but chose to do so anyway. I want my XXXX back. How dare they pull such shady practices. Most banks give you XXXX free overdraft, this was my fIrst XXXX. Please help me as banks should not be able to pull such bogus deals. 

I want my XXXX refunded. 

































XXXX {$20.00} - {$4.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX Ia {$6.00} {$15.00}

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 01/25/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX, XXXX I discovered that incorrect credit Information was reported to Equifax by XXXX XXXX XXXX The information indicated I failed to pay part of a bill and, or missed a payment in XXXX or XXXX in the amount of $ XXXX.The bill is listed as a collection write off on the report. XXXX XXXX was not my provider of telephone service during the time frame that the unpaid bill was from. 
I contacted XXXX XXXX about this, and they said the bill was from when XXXX was my provider of service. I contacted XXXX, and the representative said my account was always in good standing with XXXX and I did not owe them any money. 
Again, I contacted XXXX, and this time they said that the bill was from XXXX, and they will not remove the incorrect information from my credit report. 
On XXXX, XXXX my Equifax credit report was changed to indicate the unpaid bill was from XXXX instead of XXXX or XXXX. I contacted XXXX, and asked for a copy of the bill, I received the attached documents via e-mail. 
I contacted XXXX again and asked for a copy of the bill to be mailed to me. The bill they sent is not like a standard bill that I normally receive. The bill they mailed appears to be a typed up word document like the copy sent to me via e-mail. 
I suspect that my issue has arisen due to problems I had in the past with their telephone service. There were frequent occasions when my telephone would not work for days, and even weeks at a time. I can only speculate that I may have lost my temper while on the phone with a female supervisor who is now seeking vengeance. 
I filed a complaint with Equifax , and Equifax only said that the person in question is me. 
I will be most grateful for any assistance you may offer in getting this untrue information off of my credit report. 
Thanks Again, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Bank account or service (Other bank product/service) with DISCOVER BANK (LA).
Issue: Account opening, closing, or management

Complaint: XXXX, who claimed to be a supervisor at Discover Bank, informed that the company had placed an interstate call to me and recorded it without my permission. She said I should 've been informed that Discover was recording the phone call when I called into their center. I did n't call them. They called me. 
The Bank has not honored its promotional terms for my opening an account, although another employee, XXXX, verified that I had met all of the requirements and the promotion should have been honored. XXXX and XXXX both said they would have to inform another department of the potential error and it would take another 4-6 weeks for them to consider whether to fix their error in applying the bonus that should have been applied in XXXX for opening a bank account with their company. XXXX and XXXX said they wo n't honor the terms of their promotion if I close the bank account now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2017 about Credit reporting () with Sierra Holdings LLC (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiry and/or unknown company

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have not used XXXX XXXX in any instance. I dont know how XXXX is on hard inquiries, i did not use them in any form

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I have attempted to freeze my account countless times with Equifax due to the breech of my informaiton. 
Everytime I enter the information for processing I receive a message that they can not process and to try again later. 
It is XXXX and I am still trying and still receive the same message. 
I see from research this is the same results other consumers are having when attempting to put a freeze on their account. 
Equifax needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018, I received a letter from Credit Collection Services stating I owe a debt to XXXX XXXX in the amount of {$220.00}. I contact XXXX for a QUOTE. I never agreed to accept the quote. It was just a quote for homeowners insurance. Now I am sent to a collection agency and my credit affected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Unfair and deceptive practices Was sold a car that was mechanically unsafe due to prior accident. Car title may have been washed. Have emails stating car is 100 ok and warranty sold would cover eveything. Credit Acceptance Corp has verified this to be the case but is still stating Im responsible. Car also sold 2200 above book value with a 23 percent interest rate. Loan cimpany attempting to reach out to dealer to resolve complaint but because dealer wont respond they said is my problem. Loan date XX/XX/XXXX Email to dealer XX/XX/XXXX about mechanical issues, Diagnostic done by XXXX XX/XX/XXXXand XX/XX/XXXX, warranty company denied claim XX/XX/XXXX stating cars mechanical issues pre exsisting and known at time of sale. Several emails sent to finance company and requesting status of investigation but no response. Call several times for status no response. Car sale from XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX is Credit Acceptance Corporation in XXXX. I live in Florida Emailed complait to National Division of Motor vehicles, emailed complaint to Florida and Michican attorney General And now you Division of banks. 

Need help here pleade. Are several complaints on finance company deceptive practices but no resolve

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 09/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened several accounts without our permission by using funds in our business account. Because of this practice, I was overdrawn on my actual account. They rectified the situation but it still haunts me when applying for business loans because of the NSF fees that appear on my statements. When I explained to the lenders, they did not believe me because they thought what I was telling them was illegal and could never happen. It happened 3 times in the past 4 years. and it was done by the same person.

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 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls me at work XXXX or XXXX times daily. My coworkers know what company I owe now because their number shows up so much on the phone. When they call they are very threatening and aggresive. They already have taken me to court and have a judgment to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: they have not yet deleted the fraudulent accounts on my account even after the creditors verified that they dont belong to me and too remove them.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX  XXXX XXXX, XXXX, LA 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 05/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Account opening, closing, or management

Complaint: I applied and shared all my information with this bank and was denied an account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Medical) with CRA Collections, Inc (DE).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This company continues to call my personal cell phone and work at all hours of the day and night after being told multiple times to stop. Sometimes i will get XXXX XXXX calls a day between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Yesterday I received in the U.S. Mail a letter from " TransUnion '' credit bureau that still had under " Adverse Accounts '' a debt collection agency by the name of " Enhanced Recovery Company '' ; XXXX. XXXX XXXX ; XXXX, FL ; XXXX ; XXXX. Under the " Original Creditor '' space it states : " XXXX XXXX. for $ XXXX. '' I have always had " XXXX XXXX XXXX XXXX. '' for the last 22 years. So I am the victim of Identity Theft with this false " XXXX XXXX. '' debt. I called up " TransUnion '' and they still refused to " Delete '' this Identity Theft entry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: In XX/XX/2012, someone hacked into my email account and found emails between me and my lawyer in which I had given him my banking details. This person also got into my lawyer 's account and found information regarding another of his clients. This person then used the other client 's details and forged a check for {$8000.00} in her name which he then sent to my Bank of American account for deposit. The bank discovered that the check did not have enough funds to cover this amount and they returned it, causing both me and the owner of the account to get NSF fees charged against our accounts. I was unaware of any of this until Bank of America notified me. They then closed my account and told me that I could not ever again have an account with them. They sent reports to both XXXX and XXXX XXXX saying that I had made an attempt to " transact ( or attempt to transact ) with an account in an unauthorized or prohibited manner. '' This was incorrect. I did absolutely nothing wrong. I told Bank of America what had happened, which my lawyer explained to me after I told him about it and he had heard as well from his other client. They refused to reconsider their decision. This has made it impossible for me to get an account with any bank anywhere. I tried to open an account with XXXX XXXX XXXX XXXX, in which I am a member of long-standing, but was denied because they told me that I had caused a loss at another financial organization. Bank of America never said anything about any loss and there was none. I have attempted to open accounts at several other banks but have been refused there as well. All of this has ruined my financial credit. I did absolutely nothing wrong and am being punished for something that some internet hacker did to me. I need to get an account with a bank because all that I have now is a reloadable debit card with XXXX XXXX XXXX and this is not adequate for all of my needs. I have a lot of documents explaining everything that happened, but I can not attach them to this complaint and will have to send them to you separately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation