milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have spoken with Navient several times, I have been very confused about exactly what I owe and how many loans I have. My loan is confusing. I started off with 2 loans one for {$3500.00} the other for {$4900.00}. I was so hesitant to go back to school, this is why! I was divorced in 2007, I was raising XXXX kids on my own and working 2 jobs. One is as a XXXX in the XXXX XXXX, working with XXXX XXXX XXXX. I have done this job for 13 years. I thought I could become XXXX XXXX. Both Universities convinced me I would get all kinds of grants because I was a single parent. I did not receive much help at all. My ex husband paid no child support either. I saw the loans getting bigger and decided I could not pursue my XXXX XXXX because I could not afford it. My loan has been sold to different companies and now because of interest and several deferments I owe around {$20000.00}! Through the years I have spoken to people at Navient relaying this information, they kept convincing me to do deferment. I have had to constantly work 2 and 3 jobs in order to live so these loans were not priority. I recently went to apply for a small mortgage because I am trying to find something more affordable and on my credit report Navient has several negative reports also I thought I had 2 loans and it appears on my report as 3! It has brought my report down significantly! I have also asked several times with the job I do is n't there any sort of loan forgiveness? I work with XXXX XXXX XXXX in a XXXX XXXX! Now my loan to find a cheaper place to live is not going through! I am stuck, confused and very frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Bank account or service (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: After a major robbery and idenitity theft issue USAA BANK decided to hurt our lives more and keep all our money in our savings account and committ a huge embezzlement and fraud issue. USAA BANK has committed several upon several banking and credit card and bad faith insurance issues and XXXX our lives and destroyed my career and laughed at me and said to bad your not military and that you are XXXX to me. They were very mean. Before this my life was going so well. They XXXX me. I have nothing left and can not get my life together cause as of today they still are hurting my life. They stole over {$15000.00} from savings account and well over {$12000.00} in checking, refused to pay out over {$75000.00} promised in other issues that caused well over {$150000.00} more out of our pockets, made me spend over 20 hours for 4 years to do paperwork then to only laugh and say we are not paying you. CEO XXXX told me he did not care about me or my life. Very scary stuff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to contact the companies explaining the situation, I also sent in a copy of my id, so they could see my identity, but they refuse to remove & told me I needed to make a police report for identity theft, but a police officer told me I could n't make a report because it was over XXXX years ago

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received alert today of a negative item was posted to my credit report. Contacted Midwest Recovery Systems to find out what this item was. I talked to XXXX XXXX, who was rude, distrepecrltful and very unprofessional who told me the creditor was XXXX whom I had a payday loan with in XXXX 2012. I have never heard of nor did any business with company. Told him I never received anything in the mail regarding this collection. He said no they did n't send anything in the mail and they did n't have to because this was there 1st contact and this was all that was needed. I said no it was n't and by law I have 30 days to respond and I was n't given that time to respond, so please remove this item immediately from my credit report. He said they were not going to remove anything until this account was paid in full and hung up on me..

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with U.S. BANCORP (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX was informed via certified mail that the inquiries they made on my credit reports were not authorized by me, and had no permissible purpose. This is in violation of section 604 of the FCRA.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

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 03/24/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Making/receiving payments, sending money

Complaint: I contacted Fifth Third Bank XXXX/XXXX/2015 via XXXX regarding the status of my checking account due to Decline of a payment for XXXX on XXXX/XXXX/15 by the bank. As of XXXX/XXXX/15 I had over {$4400.00} in my checking account and it has disappeard. I am alleging it is a scam because the personnel at the bank through an outside party back in XXXX XXXX stole $ 8K from my checking account and never replaced it even though I have XXXX times a month called, sent letters and personally gone to the bank XXXX TN the have yet cooperated with me and when asked for the fraud dept to discuss this issue they gave me the wrong phone no which had been disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took classes via a method I did n't understand in 2014. It was a vet difficult, online college program prepared by XXXX XXXX University. When classes were dropped, loans were not rebuked by financial aid and I think this is wrong. I am {$5000.00} in debt and I only passed XXXX classes -- I also only saw XXXX classes through. I do n't understand why I am not merely paying for those XXXX classes and the loans granted for them. What is the reason I have to pay for student loans for classes I did not complete? Loan is financed by Great Lakes. I had no understanding of loans and no family I could discuss them with but I believe that if I quick the class in time it is n't fair that I was still charged for loans that I never saw the light on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Credit decision / Underwriting

Complaint: Ocwen Loan Servicing LLC, which services my loan, continues to violate the Fair Crediting Reporting, and Fair Debt Collection Practicing Acts, by failure to report the payment status of my mortgage loan, accurately. Consequently, I have suffered financial hardships in terms of declined credit opportunities and higher interests rates.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Prepaid card (General purpose card) with CITIBANK, N.A. (IL).
Issue: Fees

Complaint: I received a pre-paid debit card for {$40.00} when I purchased tires in 2014. I used the card once and still had {$22.00} on it. I moved and misplaced the card. I recently recovered it, and I saw it had expired, I called to see if I could still receive my funds and they told me my card had expired and fees had applied for maintenance and I now have {$0.00} left. I felt this debit card provided not only had a short date on it for expiration, but also that I was charged these fees. This card is produced by citi.com.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am writing in regards to Credit Collection Services Account # XXXX. 
After my conversation with them on XX/XX/2017 my account was settled for the amount of {$480.00}. During my conversation with the representative. I, requested for the file to be removed from my credit report. The representative at the time agreed that the debt would be removed 30 days after the payment was receipt. The agency never send me written confirmation of our phone call agreement nor contact me via any means to inform me that the account was reported to the credit Bureau. I had to contact the credit agency my self and request a copy of my credit report. Upon receiving my report, I noticed that the agency did not put a request to have the account removed from the credit file. I contacted them immediately and they completely denied that they agreed to have the account removed from the credit bureau file. I explained to them my circumstances that I am in which is unemployment and the sacrifice I made to pay this bill.They were unwilling to cooperate with me after they received the payment. Their answer was if you want us to remove this account from your credit file you, will need to pay additional money to our agency. At this point I believe that my rights as a consumer have been violated as I was given false or misleading information in regards to the way my account was suppose to be handled. I would like to have the support of this agency to assist me with the matter as I would like to have my credit file without this collection remark.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My credit reports are showing a {$1600.00} balance from XXXX Magistrate Court owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. XXXX lists the filing date asXX/XX/XXXX while Transunion lists the filing date asXX/XX/XXXX.
<P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are 3 bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.

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 03/17/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/16 I mailed a letter to Equifax requesting all things on my report be validated on my credit report with original documents with my signature other wise it should be deleted off my report. These accounts were not verified with proof and remain on my credit report I want these accounts removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I received my credit report yesterday and found XXXX debts that I owe the XXXX I made payment arrangements with because I do owe it..The other XXXX there are issues they have changed dates and it will not be off my credit until XXXX ... The last payment was made XXXX/XXXX/XXXX. According to their dates it was placed for collection XXXX/XXXX/XXXX ... The company is XXXX I am trying to get my credit score up I am XXXX XXXX and do n't need these people ruining my chance to rent or buy a home ... What can I do..They tell me the service was in XXXX but the billing address was my EX-mother in laws in XXXX ... I assume this was my ex husbands doing as I had not a clue this was in my name..My ex husband is on the run from the law in XXXX so I ca n't really ask him ... .I live In XXXX now and do not know what to do with this ... .Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I called navient to set up a payment arrangement even tho I had put my loan in deferment, I wanted to still make some type of payement. I asked can I be set up on auto pay for XXXX dollars bi-weekly, which would have covered the interest I would accumulate. The representative told me, they do n't accept transactions under XXXX dollars per transaction.I received this loan while attending XXXX College which at the the was handled under XXXX XXXX and transferred over to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (WA).
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: Seterus Inc. Dispute beginning XX/XX/17. Believe that Seterus Inc., in  violation of the FCRA and the FDCPA when reporting this account to the credit reporting agencies.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company is reporting a late payment in XXXX and that is incorrect.

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 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed a dispute to Transunion dated XX/XX/2016. Since that time I was under the impression that my disputes were being investigated but I received a letter from Transuion a few days ago dated XX/XX/2016 informing me that they needed proof of identification when I sent in with my dispute.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX XXXX XXXX, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i requested full information on the reporting and validation of the tax lien/judgment. I see a claim amount but I do not see the liability amount. The judgment identification is also incomplete. I have disputed this several times with Experian. They have not been in compliance for over 45 days in regards to FCRA guidelines. I filed a complaint with XXXX regarding this before.

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 09/25/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Fraud or scam

Complaint: I run a grocery store in XXXX XXXX XXXX, PA. Recently I had taken Western Union agency to provide money transfer services. 

On XXXX/XXXX/XXXX, Western Union withdrew {$1500.00} from my bank account though we did n't do any money transfer transactions. 

When I contacted WU, they found out that fraud has occurred and the money was taken. Since we did n't do any transaction, it appears that someone hacked into their system, made transactions on our name, for which we are not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with Access Credit Management, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (AR).
Issue: Trouble during payment process

Complaint: I had my mortgage with XXXX Mortgage ( since XXXX ). While with them, I had my mortgage recast twice at no extra cost. They have now transferred my mortgage to Nationstar Mortgage or Mr. Cooper. I learned today ( XXXX/XXXX/XXXX ) Mr. Cooper charges {$270.00} to recast in my state. I reached out to XXXX. They said that Cooper can charge whatever they want. I said that 's ridiculous. Who the heck would contract with something called Mr. Cooper for a mortgage anyway? Ca n't believe  companies can just transfer loans and then those new companies can then charge new or increase fees for same services ... scary!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to Navient during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to Navient ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.

Company response to consumer: Closed with explanation