milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (RI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX I applied to lower my payments. My application was never processed. I was then told I needed to pay money to exit the payment program I was in which I was never asked to do. I did this and I had to reapply. This whole process delayed about XXXX months and forbearance had to be added to my account and interest capitilized. I was also told that my payment would lower based upon the information I provided over the phone. My payment did not lower. I was threatened wage garnishment if I did not pay. When I complained about how long this process took, they back dated my payments XXXX months. I disputed this and when I asked if I could afford to come up with XXXX months of payments if they could credit them as showing timely due to this poor decision, they declined and if I made the payments they would show as late. I refused until they would resolve my loan. This has caused me extreme distress especially because they call me and email me constantly advising me how late my account is showing. I was then called and told that if I made XXXX payment on XXXX, they would apply a XXXX month administrative forbearance on my account. I had no other issue because I didnt want my credit damaged but they would not reverse all of the interest that kept capitalizing. I made a payment on XXXX. I was then told they could not apply any administrative forbearance on my account and refused to give me even a regular forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (DE).
Issue: Unauthorized transactions/trans. issues

Complaint: Rushcard issued me A duplicate card of the Card that recently expired XXXX XXXX I am unable to check my balance and enroll in text alerts I have been having this issue since late XXXX yes I received the letter with deposits I was able to receive before the complications of my account they sent no record of the issues that I have been having with Rushcard via metabank I have I have I have XXXX or more reference accounts where I contacted Rushcard via emailAcknowledge : no subject ( Ticket # XXXX ) Acknowledge : no subject ( Ticket # XXXX ) XXXXAcknowledge : no subject ( Ticket # XXXX ) These are the tracking numbers I received for the same issue not multiple but the same issue please respond immediately feeling really inconvenienced I 've been a customer with Rushcard since 2008

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I had got denied for a credit card from  capital one

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: Equifax breach : confirmation that I was affected by the breach and refuse to process or allow access to the promised credit monitoring. I have completed the enrollment application 5 days ago, and still have not been granted access to the credit monitoring. I have called Equifax on numerous occasions and have been given phone numbers to Equifax automated systems and other departments, none of which could or would provide any assistance. Two of the 10 employees include XXXX # XXXX and XXXX # XXXX. XXXX informed me that my enrollment application could not be located, and he could n't help me, and told me to complete the enrollment again. I 've completed the enrollment 4 times, and still have n't received the confirmation email to finalize the enrollment process.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Medical) with ALCHRO INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company response to consumer: Untimely response
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (LA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: XXXX XXXX XXXX is a consumer as defined in 15 USC 1602 i, 15 USC 1692 a 3, and 15 USC 1693a 6. Navient is attempting to collect an alleged debt while using misrepresentation and deception. As defined in Title 15 US Code 1693a 9, a financial institution is a person holding an account belonging to a consumer.
An account, defined in 15 USC 1693a 2, is an asset account for personal, family, and household purposes. Communications from Navient are misleading and deceptive.
This consumer has contacted Navient on attempts to show within the laws of the United States that the above codes are accurate. These attempts have been ignored and misdirected. Also, this entity is sending communications to family of the consumer at different locations PRETENDING to not know how to contact this consumer. More deception. According to XXXX this entity shows an annual revenue of nearly 60 Billion Dollars!!!!! https : XXXX The CFPB recently sued this entity for deception. XXXX XXXX XXXX, Consumer/Creditor is claiming actual damages, pursuant to 15 USC 1692 k A 1, in the amount of {>= $1,000,000} USD.
[ 2017 Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC .
Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. ] According to the Navient website, seen above, this entity is not sponsored by or an agency of the United States of America. Unlike the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had XXXX XXXX XXXX XXXX account investigated in XXXX 2015. After the investigation was completed this account was removed from my Equifax Credit report. I just checked my credit report today and that same account is reporting again. Why do consumers have to go through investigating information on our credit reports and then in a couple of months the information that was deleted appear back on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I tried to pay on my account multiple times, they said the payment was accepted and processed and then weeks later they would not inform me that it was not processed properly but i would see my current balance was exceeded my normal monthly payment, currently i have caught up on payments but i was caused to incur late charges from them as well as my bank for returned check or overdraft which was not the case. Because of this my credit took a serious hit because they reported a serious delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I owed a debt to XXXX. I paid the account in full and have a XXXX balance per the attached documentation. Experian refuses to show a XXXX balance, paid in full status, although I have provided the pay off letter numerous times which clearly shows, " Paid In Full, XXXX Balance ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We settled a dispute with Chase regarding a mortgage loan on XX/XX/XXXX. They had n't reported on the loan to the credit bureaus since XX/XX/XXXX. Then, on XX/XX/XXXX, they reported us XXXX days past due. We do not even have a loan anymore with them to pay, yet alone be behind on. This is in clear violation of the Fair Credit Reporting Act, and yet one more malicious act on their part. I contacted Chase 's attorney to request removal and correction ; only to be ignored. This account needs to be reported as closed with a remark as settled for less than full balance per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I applied for Loan Forgiveness through XXXX. It seemed to be the only website/provider who is able to process Federal Loan Forgiveness for Public Service providers. It was set up through StudentLoans.gov, so I thought it was a legitimate provider. 

I began to process my application sometime in XX/XX/XXXX, to have it start in XX/XX/XXXX. I just finished it. Everything took months with them. In the mean time, I kept on making ( what now I found out ) as endless payments towards my loans. When I had my loans with XXXX ( good servicer ) I was making {$600.00} for the last 3-5 years. I brough the balance down, despite having XXXX kids to support. I now owe {$50000.00}, graduated XXXX in XX/XX/XXXX, and have been making payments for the last 9 years. I worked for XX/XX/XXXX all my life. I am looking to buy a house, so really hoped this process would clear up some cash by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I was finally told that my payments of 9 years are not valid as I did not have loans with XXXX  since I began to make payments. I needed to sign up for some special payment plan to be eligible for loan forgiveness in XX/XX/XXXX. I was never told about this by anyone. And believe me I do paperwork for a living, so I looked all over for this info. This seems to be yet another trap by the big corporations to keep me paying endlessly for loans. 

Just a final note, I made about {$80000.00} last year, married, with XXXX kids. When I did their Income Contingent payment plan I was told I needed to pay over {$900.00} a month ( myself ). When I called XX/XX/XXXX, to see if it can be changed, I was told I could do another, meaningless plan, and pay {$420.00} a month, less than what I paid for the less 9 years. 

I hope you can take my extremely negative experience and find a way to make consumers be able to stop paying endless college loans and invest into the economy. This program seems to be another scam to keep me paying into endless existence. I plan to change my loans to my previous provider and keep my {$600.00} payment as I did before. I will end up paying off my loan within 10 years without this company making money off of me. What a sham!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have notified Experian on multiple occasion that some one used my personal information to open credit accounts online with XXXX XXXX XXXX XXXX. I have provided the Identity Theft affidavit, proof of resident as well as the police report information. I have also asked that the information be blocked from my credit report in writing. They refuse to investigate or comply with the rights I have been provided under the law for victims of Identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Two months ago, I asked XXXX to correct errors on my credit report. I sent them a letter on XX/XX/XXXX. I have not heard back from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (I do not know) with ERC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is a fraudulent account and I would like my name and information taken out of your files. I have notified the police and all credit bureaus that this is fraudulent and this account does not belong to me nor do I have any knowledge of it. Remove my information at once. I am XXXX and this is fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: I checked my credit report to find an unauthorized inquiry from chase auto in 2015. I received a letter in 2015 stating it will be removed. I also know this issue should have been cleared last year. I have a copy of the response from chase auto provided to me saying this error would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Closing on a mortgage

Complaint: We purchased a foreclosure property from Bank of America located at XXXX XXXX XXXX XXXX, XXXX VA XXXX in XXXX XXXX. In Virginia, you are required to obtain a repo title with the DMV when you foreclose on a property. This was not done by either Bank of America or their foreclosure agent ( XXXX XXXX XXXX, XXXX. ). XXXX XXXX XXXX, XXXX. did not even request a DMV title report until nearly 4 months after closing and then conveniently overlooked that a title and lien existed. I have spent a ridiculous amount of hours over the last several months trying to get the lien released and have them send me the title from the DMV. I literally had to show Bank of America where on the title report the lien and title number were and they refused to help me at all until I had a DMV title report on the property. I finally received the lien release in XXXX XXXX but if I turn it in to the DMV then they mail the title to the former owner ( who is deceased and did not have an estate to distribute ) .Both Bank of America and XXXX XXXX XXXX XXXX XXXX. refuse to fill out the form and request the title from the DMV. I have offered to fill out the form for them and send them the 10 bucks. I know it is common practice for Bank of America, XXXX XXXX XXXX and other big banks to refuse to get Manufactured home titles but it needs to stop. Why do n't they have to follow the law? They market and advertise these properties as single family residences and then do a bait and switch maneuver. They use hold harmless forms to avoid complying with the law. These tactics are frustrating and cost their customer extraordinary amounts of time and money.This is really simple fix for either Bank of America or XXXX XXXX XXXX, XXXX. and I only want them to do what should have been done when they foreclosed on the property. If I could do it, I would. I have spent countless hours on the phone with Bank of America, XXXX XXXX XXXX, XXXX and at the XXXX without success. 

This is a really easy fix for Bank of America and/or XXXX XXXX XXXX, XXXX. It does not have to be this hard. It is 10 dollars maybe 20 dollars and a stamp which saves everyone a lot of time, money and aggravation.

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 01-04-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to open an HSA ( Health Savings Account ) for my employee-provided health insurance. I was turned down by XXXX different banks because of bad data ChexSystems had allowed into my file. ChexSystems tells me that someone at another financial institution typed in my SSN with a completely different name as part of a credit inquiry. ChexSystems then flagged my file as so bad that I could n't even open a simple bank account. This affected my health insurance open enrollment, my participation in my health plan HSA, and cost me many extra hours of time and weeks to unravel with ChexSystems. The bad business practices of ChexSystems failed to detect this problem earlier, despite their systems having all the necessary information. Instead, they flagged me as high-risk at XXXX banks. I highly recommend that companies avoid using ChexSystems entirely. While this issue is now resolved, I hope ChexSystems will change their faulty business procedures to avoid harming consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I COMPLETED A TITLE SEARCH ON MY PROPERTY AND FOUND AN ABSTRACT JUDGMENT OF {$4300.00} FROM ASSET ACCEPTANCE LLC. THIS WAS A CIVIL JUDGMENT FROM  XXXX   XXXX  CIVIL COURT. THIS JUDGEMENT ALONG WITH THE ORIGINAL DEBT WAS PLACED IN MY CHAPTER  XXXX  BANKRUPTCY WAS WAS FILED IN  XXXX  AND DISCHARGED IN  XXXX . THE FIRST THING I DO WAS CONTACT THIS COMPANY ASSET ACCEPTANCE LLC TO DISCUSS THIS ISSUE. THE PERSON IN CHARGE OF MY ACCOUNT IS NAMED  XXXX . SHE STATED THAT THEY WERE NOT AWARE OF ANY BK. AND THAT I NEEDED TO MAKE A PAYMENT OR SETTLE TO REMOVE SAID LIEN. I EXPLAINED THE SITUATION AND SHE INSISTED ON MAKING A PAYMENT. I ASKED HER TO SEND ME A DEBT STATEMENT OR INFORMATION. SHE STATED SEVERAL TIMES IN ORDER FOR HER TO PROCEED I NEEDED TO MAKE A PAYMENT. SHE BASICALLY WANTED ME TO ASSUME A DEBT THAT HAS BEEN DISCHARGED IN BK IN  XXXX . AND I TOLD HER I WANTED THE LIEN REMOVED AND SHE STATED TO PAY. I STATED I WOULD GO TO CIVIL COURT AND GET IT REMOVED. AND I WANTED TO TALK TO HER SUPERVISOR. SHE STATED SHE HAD NO SUPERVISORS AT THE MOMENT AND THAT HER 'S WAS GONE FOR A WHOLE WEEK. I NEVER RECEIVED A CALL OR BILL FROM THESE PEOPLE AND THEY ARE STATING OTHERWISE.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied home affordable modification, then they offered me a thing called cash for keys on my property. ( I ca n't be worried about losing the house when NationStar forced me out.All I want is my money back so that I can move forward and have a safe roof over my child and I heads. ) I found out XXXX years later, that my original lender was a predatory lender. My original lender back in year XX/XX/XXXX was XXXX XXXX XXXX XXXX. XXXX XXXX was in the process of modifying my loan ( so they say ). Next thing I know is I received papers in the mail saying that XXXX XXXX XXXX would pick up were XXXX XXXX was in modifying my loan. Then it was an on going cycle with XXXX XXXX XXXX til XXXX day I received another letter from Nationstar Mortgage. In my opinion, Nationstar was very rude and unprofessional. They say that they were going to modify the loan. But I caught them in plenty of lies. Nationstar does not communicate well with there staff. I have all of the documents and conversations written down concerning this entire matter all the way to XX/XX/XXXX, when I surrendered my keys to Nationstar for the cash for keys program. As you can see, at this point I got tired of their lies and foolishness. I hope to hear from you seen.

Company response to consumer: Closed with explanation