milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On various occasion as I entered my XXXX program training in XXXX XXXX in XX/XX/XXXX, XXXX accredited program, I tried to place my loans of deferment knowing that I qualified I was denied and was told that I did not qualify. Every year I maid the attempt to place my loans on deferment and was not allowed. on XX/XX/XXXX I made a call to Navient and was told that I did qualify at required me to sent a letter. Letter was sent and never was processed. Just recently XXXX XXXX placed a remark on my credit score even though my loan had not gone into repayment affecting my credit score ; following month it went in repayment and payment was made. My sent documents or not in their web page they have eliminated everything before XX/XX/XXXX from messaging sent and received by me and them. I was miss guided along the process and was placed on forbearance knowing that I did qualify for student loan deferment on the subsidized part of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to XXXX to retrieve my federally required free annual credit reports from the big XXXX. I received my XXXX and XXXX reports but received a notice stating " a condition exists that prevents Experian from being able to accept your request at this time '' could this condition be the fact that the last time I could n't get my experian report I filed a CFPB complaint and they are retaliating? The last time I could n't recieve my report was because information in my credit report was incorrect ( and still is because they do n't offer a way to dispute wrong addresses ) I have never ever ever used XXXX XXXX ca and likely never will. I demand my legal right to access to my credit report, if no action is taken to resolve the online process for me, I will take you to court for violating the FCRA.

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 10-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Billing disputes

Complaint: Last month I paid my credit card in full but when I scheduled the bank withdrawal by mistake I scheduled two payments for the same amount. The amount paid was the full balance for that month. When I realized that I paid twice, I called the credit card to let them know that I mistakenly paid twice. They said that they will credit back one of the payments, they did. The problem that I have is that the payment that was not retuned to my bank account has not been credited back to the credit card either. I called to ask why this payment was not credit yet. The explanation they gave me was that the money was returned to my account so they have to charge me again, which I do n't understand why. As today it appears that I still own the credit card what I already paid. I do n't understand their statement because it does not reflect that I actually paid. What are my options? I do n't understand how they are making my payment disappear? I like to mention that I pay all my charges at the end of each billing cycle to avoid this kind of problems.

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 07/16/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Fees

Complaint: Every since I open my account with American Express Serve has been charging me Monthly Fees and not applying my direct deposit two day before my payday. I usually get paid on Saturday and as today XXXX XXXX, 2016 did not receive my payment. Please review my account and make they working according to Federal Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with Lazega & Johanson LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made a payment on debt with account number. Payment was applied to another account. I was then told that If I did not make another payment garnishment process would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like to make a complaint on SYNCB/WALMART with an address of XXXX. XXXX XXXX XXXX Florida XXXX and an alleged balance of {$0.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 XXXX c ) Re-aging the account. They have already sold this account to a debt collector and are failing to report it accurately. This account needs deleted under title 15 u.s.c. 1681 ( i ) and they have violated the FCRA and FDCPA according to the following codes. Kansas only allows five years to report for a written contract and this account was closed on XX/XX/XXXX and this account should have been DELETED on XX/XX/XXXX. 
1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX XXXX, NO. XXXX, XXXX XXXX. XXXX XXXX. 
Please investigate Syncb/wal-mart why they are reporting negative information with a balance after fiver years which is inaccurate and unverifiable information and needs to be deleted under title 15 u.s.c. 1681 ( i ). There are also now monetary damages issues concerning the negative reporting and the violations and fines of the FCRA and FDCPA which total {$1000.00} plus the extent of damages incurred by the wronged party as deemed by the courts for number 2.

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 03-01-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: We spent weeks in communication with XXXX XXXX, XXXX XXXX and others at JP Morgan Chase Bank in XXXX and XXXX supplying them with all the credit and loan documents for a potential re-finance loan of our property in XXXX XXXX, Texas. All the numbers were positive, including a top-tier credit rating, all the documentation was submitted and an appraisal of the property was done showing a significant value in equity of the property. All questions were asked and all answers submitted. We received a final call from XXXX XXXX saying that we were approved for the loan but there was XXXX criteria he neglected to mention earlier. We needed to deposit a million dollars plus, in assets to the JP Morgan bank before closing in order to qualify for this loan. We responded by saying we have submitted all the bank info we had and there was no secret accounts with XXXX dollars hiding to deposit into your bank. They also would have known this by seeing it in the research of the loan process. I asked why did he just now tell us after many weeks of us providing all of our documents and taking hits on our credit reports. He said he forgot. The fact is we believe it is a simple case of Bait and Switch. Simple fraud. I had asked XXXX straight out, if we could deposit XXXX dollars into their bank would we be eligible for the loan. He said " Yes ''. We received a credit report and letter recently that stated we were not eligible of the loan because of our credit to debt ratio. This is certainly a cover up act to make it look like we were not elegible. The fact is, and the documents and correspondence reflect this, is that we had plenty of credit and equity to be qualified. And if we were n't, this would have never gone this far in the process. While I do n't feel there will be any resolve in this matter, I do wish to make clear to consumers that there is still corruption and fraud going on in our financial institutions and please make it priority XXXX to make sure you have asked all the questions and above all make sure you deal with reputable people who have solid integrity. The players in this scam were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I believe their supervisor to be XXXX XXXX. 
XXXX XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Advisor XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX JP Morgan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Other mortgage) with M&T BANK CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: M & T Bank has made multiple errors in processing my mortgage loan, loan # XXXX. I 've already filed XXXX complaint which they responded to, case # XXXX. However, when I disputed their response they ignored that dispute and the complaint is now closed. I need them to correct their mistakes as stated before and show that the mortgage is up to date. We have been paying as agreed since the mortgage was modified in XXXX 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a dismissed bankruptcy on my credit report that belongs to my father. We share the same name, however he is XXXX XXXX XXXX, and I am XXXX XXXX XXXX. I have never filed bankruptcy. I have repeatedly attempted to have this information corrected, to no avail. Equifax claims to have " verified '' the information..

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Trans Union keeps reporting a late payment on my credit report. I dispute it and it goes away. Then it reappears on my credit checks. I believe Trans Union is intentionally doing this in order to skirt the law and have me pay for another credit report after the one free one allowed per 12 months by law.. Trans Union also reports a " hard hit '' on my credit report whenever they " fix '' my complaint making it appear as I am applying for credit from another company.

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 03/16/2017 about Debt collection (I do not know) with OCWEN LOAN SERVICING LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company Ocwen Loan Servicing XXXX has accessed my consumer credit report without lawful authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked them to send me any documentation that shows I gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy. 

They have not sent any documentation showing that I have given anu such consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable. 

An identity theft affidavit and police report will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Credit Report Date : XXXX XXXX, 2017 Report : XXXX XXXX XXXX XXXX XXXX is wrong no such Address XXXX XXXX XXXX XXXX is wrong no such Address these are not my address as stated before. 

Please provide proof to me these address that there my address current or prior. 
There is no unit and these are condo units each one has a number nit an address as Experian just shows.

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 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My complaint echo 's the suit being filed against Navient. Any time I have reached out to Navient, they have n't assisted me with lowering my payment. I also have tried to reach out to them and pay a lower amount monthly which they have declined multiple times. Recently, the company automatically put my loans in forbearance without my permission. Also, when I fell behind on payments they would constantly harass my co-signer. They would call as early as XXXX, about 7 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Bank account or service (Cashing a check without an account) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2016, I went to Chase Bank at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, to cash my security deposit check from my landlord XXXX, ( corporate name is XXXX ) that was made payable to me. When I gave my XXXX types of ID and my check the bank refused to cash same because on their client 's account it was indicated that a person could not cash same. I was furious because when they want my money they want money orders and yet when I receive my security deposit I ca n't even cash it. I had to take the check and direct deposit it to my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experain is reporting an collection account that is lowering my credit score however the balance is {$0.00} and needs to be removed from my file as there is no balance. 


XXXX XXXX XXXX XX/XX/2010 - - XXXX FL XXXX, FL 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 non-monetary relief
Consumer complaint received 07/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I went into the Bank of America branch in XXXX, XXXX by XXXX and XXXX. My mother has major health issues, I wanted to add my name onto her accounts, both credit card and checking and savings, and brought in a copy of my Power of Attorney for my mother. I was already a co-signer for the checking account. They adamantly refused and said they need the original power of attorney paperwork. Since I was traveling to XXXX State where my mother is in assisted living, I took the same paperwork into a Bank of America branch in XXXX, XXXX and they happily and quickly did the above. Why did the local Bank of America branch make me jump through hoops, and then another branch in XXXX State approve my request with no problem?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX , XXXX  XXXX, FL XXXX BELOW IS NOT MY ADRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX  XXXX, FL 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 non-monetary relief
Consumer complaint received 03-01-2017 about Debt collection (Medical) with Professional Recovery Management (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Fox Collection did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been a customer of LoanDepot for a year and havebeen making timely payments on the same date everymonth through my online banking. Although submittingpayments on time in the past three months and the moneygone out of my account, I was told by LoanDepot that mypayments were not being received. No troubleshooting orassistance was offered as to root cause of the issue and Iwas afraid of fraud, otherwise I could not explain why themoney was gone out of my account but not received. 
LoanDepot advised me to call my bank and the bank saidLoanDepot is not cashing the payments. I called LoanDepotand my bank a couple of times and no one was able to help. 
Finally I called the LoanDepot XXXX number listed in myonline banking. They said they are the XXXX XXXX officeand because I am on the East Coast I should call a differentXXXXXXXX number. I then noticed the PO BOX on mymonthly bills was no longer a XXXX XXXX address as I havebeen making payments to for the past 8-9 monthsbut a New Jersey address. The last transaction went through XX/XX/XXXX but the XX/XX/XXXX payment did not. I did not receiveany notification from LoanDepot that due to the PO BOXchange my payments will not go through as of XX/XX/XXXX. 
Why could n't they clarify this for me the first time I calledand let them know the money is gone out of my account? 
As a result my credit was affected and even though my bankprovided the Good Faith evidence of timely paymentsLoanDepot is not willing to rectify my credit reports. I showone late mortgage payment through no fault of my own. Mycredit dropped significantly. I need assistance working withthe lender to correct this error with the credit bureaus. 
I made all payments on time with proof from the bank and itis only right that my credit reflects that. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Revenue Assistance Corporation dba Revenue Group (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a call from Revenue Group claining I owe California State taxes from XX/XX/XXXX and XX/XX/XXXX. I called Califorina Franchise Tax Board and they told me I do not owe them nor have they send anything to a collection agency. They do n't even use the Revenue Group.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Medical debt) with Credit Collections U.S.A., L.L.C. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I mailed a certified validation letter on XXXX XXXX, 2017. Letter was received by company, and I received no validation of debt. They still to the credit bureau, despite not validating the debt belongs to me.

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