milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient frequently locks me out of my account. On XX/XX/2017 -- I changed my password and stored it in my XXXX cloud keychain. When trying to log in later in the day, it promptly told me that my password was incorrect and locked me out of my account. This is at least the 3rd time it has happened. On top of that, when you change you password ... you 're not allowed to use any of your previous XXXX passwords. This password reset and change cycle makes it infinitely more complex to attempt to log on regularly to pay your student loans. 

In addition, they 've been allowing individuals other than myself to change account information such as contact and address information in order to collect money from family and relatives. I know this because I have seen my billing and contact information change to either my mother 's or brothers ' phones, addresses or email addresses -- this has caused considerable strain on our family relationship. This loan is not cosigned or any other way involved my relatives. 

In addition, their recurring payment option only works if your account is current ... meaning if you decide to use it while your account is overdue, it never processes a payment even if your automatic payments will meet or overpay the current balance due. With the problem of signing into your account as stated above, you can see how individuals will just end up failing to pay on time or to bring their accounts current. 

If you 'd actually like to pay your bill not online, it requires then calling them and setting up a phone payment which you are promptly charged a fee for. 

Currently have now waited over 19 minutes from when I was suppose to get a guaranteed call back from customer service regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Bank account or service (Checking account) with POPULAR BANK (NJ).
Issue: Deposits and withdrawals

Complaint: I opened a checking account online with Popular Bank - during the process I linked the new account with my current account and in order to verify they made test deposits into my account but according to my bank they are pulling my funds as opposed to doing a test deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: The lender was provided the loss mitigation package on XX/XX/2017 and I have requested an update on this review 3 times by being transferred to a loss mitt rep and having to leave a message - a notice of sale, with a sale date of XX/XX/2017 was received and i still have yet to get an update on the loss mitt review - when I called today for the review update, I was advised they never received the package for the review - I have been given conflicting information from the lender for over 3 weeks. and now they have set a sale date - At this point we feel the lender is not willing to assist the client nor do they have a competent system for the updates being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Mortgage (Other mortgage) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Settlement process and costs

Complaint: I sold my house in XXXX, both loans were paid recorders office and title office both show all loans paid and no leans on the sold property. 
My daughter and I bought a house in XXXX the one bank that the sold house had said that they did not receive any payment and had a lean on the old sold property. They told the realtor that they would over look the lean but I would have to pay the loan back that I had paid before. 
I 'm still paying the loan that I paid off in XXXX, the bank told me if I did not pay they would come after me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent 4 dispute letters over the course of 5 months to Experian disputing items on my credit report that is inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 



ACCOUNTS XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX 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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (GA).
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: Reference cfpb-XXXX, XXXX SLS states : Our records further reflect that the account has been reported current since service transferring to SLS and our records do not reflect that any correction or update to credit reporting has been required. If there is a specific report which you are concerned regarding the reporting, please provide the report so that we may review the allegations you are presenting. 

SLS refuses to update that status they report as current, to the credit reporting agencies. It is disingenuous to infer they do not know the report I am referencing since the only entity that can report to the credit reporting agencies is XXXX. XXXX does not arbitrarily report an account as delinquent.

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 01/26/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: The company XXXX XXXX XXXX sold us furniture and related items on XX/XX/XXXX for {$3000.00} dollars. They delivered different furniture than what we picked out, They will do nothing!! and claim I signed a sales order that states all sales are final, no refunds. There sales order # XXXX is a forgery and never signed by me. I have filed a complaint with my bank The bank stated onXX/XX/XXXX by " XXXX '' there claims representative the bank has no liability to help me. Wells Fargo has a responsibility to protect me from fraud and missrepresentation

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 05/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Trouble during payment process

Complaint: I have been trying to resolve the issue of insurance charges to my account for over  six months. There is a escrow account attached to my account that should have never been   established I have provided proof of private insurance and certificate of liability insurance from  XXXX   XXXX   XXXX  to certify that the policy of insurance in respect to my property.     I am still being charged and escrow of {$99.00} each month on top of fees and fraudglent balances of money charged for something that I already have had in place for over the last 10 years!!     My account needs to be adjusted and the fees to be reversed and credit back to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Closing/Cancelling account

Complaint: In XX/XX/XXXX, I applied for a healthcare financing credit card, and was approved for a {$5500.00} line of credit. I needed a reconstructive procedure that was {$6500.00} after insurance, so in XX/XX/XXXX, I requested a {$1000.00} credit line increase. I was approved for the increase, but instead of raising the limit on my existing card, I was issued an additional card for {$1000.00}. I made all of the qualifying payments on time, and even paid off the balance early. In XX/XX/XXXX, I was notified by mail that because I had XXXX accounts, XXXX of them would be closed. Inexplicably, the account with the initial {$5500.00} line of credit is the one that was closed, and the account with the {$1000.00} credit line increase is the one that remains open. The following week, I contacted customer service to restore my credit limit to the {$6500.00} for which I was approved. Both the customer service representative and her supervisor acknowledged that issuing the second card and closing the first account are their errors. However, neither was willing or able to restore my credit limit on the account that remains open. The only solution offered to me was to request a credit line increase on the remaining account. This would put a hard inquiry on my credit report for a year, and lower my XXXX score. All of this to correct errors XXXX Bank made, and with no guarantee that my credit limit would be restored to its previous level.

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 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Municipal Collection Services XXXX Inc. ( MCIS ), has repeatedly called to collected on this item that the XXXX XXXX XXXX XXXX XXXX had received payment. The XXXX XXXX XXXX XXXX XXXX also informed me to pay them directly. This was communicated to MCIS in XX/XX/XXXX 2015. I communicated this again to MCIS on XXXX/XXXX/15. I have and is requesting that MCIS verify information and remove completely this negative information from my credit report immediately. Simply reporting information as paid is insufficient. I am requesting it be removed asap. Furthermore, MCIS provided me with no written documentation or communication about this action ( placing of negative information on my credit report ) in anyway. This information was place on my credit report with no documentation or communication to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 04-04-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have sent numerous comoldings on XXXX XXXX XXXX XXXX. I have madeany phone calls that have not been returned by XXXX XXXX XXXX. I sent to them my information about the identity theft but again no response. I have also requested from them a copy of the SIGNED contract from Capital One Bank and they have yet to provide it. They have now sent me a Motion of Summary Judgement that I received on Saturday, XXXX/XXXX/2016. I plan to file my rebuttal with the court clerk no later than XXXX/XXXX/2016. This DEBT IS NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a student Loan with JPMorgan Chase Bank ( Chase ) which is being serviced by XXXX XXXX XXXX ( XXXX ), poorly if I may add. I have been trying for months to release a co-Borrower, my Brother, who is in the process of qualifying for a home loan but is being impeded by this obligation. I am and have been fully making every payment since the issuance of the loan and furthermore have a much higher credit score ( XXXX pts ) and the reason they will not release my Brother is due to our credit histories according to XXXX XXXX Chase will not answer any questions, and when I ask to speak to someone at XXXX that can make a decision regarding this, I am referred back to Chase in a never ending loop.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid this debt that was an amount not covered by my insurance upon the first notification. I have gone in person to the Provider and they have apologized and stated the debt collection company is acting outside the agreed guidelines and I should have never received a demand for payment from the debt collection agency. I have now received another demand for payment for a debt that was properly paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (FHA mortgage) with Geneva Financial, LLC. (NC).
Issue: Settlement process and costs

Complaint: Geneva financial created alleged money that was advanced on behalf of me from thin air by bookkeeping entry. They willfully and maliciously led me to believe they gave me a loan, in which I receive no alleged money.They did not disclose to me that my signature allowed them to create the money on my behalf. The money created never went into my account, nor did they disclose to me when they acquired the money through monetizing the note ( promissory note ). They led me to believe they were acting in good faith with clean hands and the alleged loan documents were lawful binding contracts. I was unlearned an unaware a novice to the laws and operation of the bank and real estate industry and this company took advantage of this fact to fraudulently deceive me. The alleged loan document contract is ultra vires, void by not meeting the lawful requirements of a contract, to wit : 1 A 'meeting of the minds ' did not occur ( full disclosure of the facts involved in the operation of the contract. 2. no valuable consideration was exchanged, on this note promises were made however I did give and ambiguous signature, they in return never signed, there was no risk or liability on their part, because no money was loaned. I am not liable by my signature as well. They did knowingly create fraud against me the proof which is on the the Summaries of transaction box 22 it clearly states " Total paid for by the borrower '' proving the home is already paid off by my signature but this company keeps sending documents through the mail misleading me to believe i still have an outstanding debt obligation.They too are threatening foreclosure action even though their first lien is past the 120 day STATUE OF LIMITATION .U.S.C.78c Section 10 violation of Regulation Z, violation of the code of federal regulation 12 CFR 226.23 and 12 U.S.C 226.23 Appendix H have all been violated which gives me right of rescission. Geneva Financial never disclose their note is a security. In selling my security to XXXX XXXX where is my portion of the dividends? Where is the interest from the money they are making through UCC 8-102. I have rights to the funding source which was my signature. They are not allowed to hold a note period. Nor or they allowed to loan their own money or depositors money, so where is the money coming from they loan me? They got the money from my credit. The security agreement was done in constructive fraud, and violates every disclosure requirements. Signing a note for me is fraud / lack of full disclosure and identity theft. Base off documents they made money off my credit 3 times, however it could be more. There was no disclosure stipulating the utilities left in the house, I was told all utilities left in the house belonged to me. A fridge, washer and dryer were stolen from the home which throws off all their loan calculations by XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX. 2015 CITIBANK ISSUED A LINE OF CREDIT IN THE AMOUNT OF {$4900.00} OVER THE PHONE TO SOMEONE PRETENDING TO BE ME. CITIBANK IS HOLDING ME ACCOUNTABLE FOR THEIR ERRORS AND MISJUDGMENTS, I NEVER CALLED OR ACCEPTED ANYTHING OVER THE PHONE NOR DID I SIGNED A CONTRACT ACCEPTING ANY MONIES FROM CITIBANK OVER THE PHONE.I CALLED SEVERAL TIMES ON THIS MATTER TRYING TO COME TO A CONCLUSION NOTHING HAPPENED, THEY SAID I WAITED OVER 60 DAYS ON THIS MATTER WHICH IN FACT I DID'NT I MADE LOTS CALLS TO THEM I EVEN WENT TO THE BRANCH ON A SATURDAY CAUSE I WORK FROM MON-FRI XXXX. CITIBANK IS SAYING I 'M NOT A VICTIM OF FRAUD CAUSE I MADE THE CALL FOR THE CREDIT AND MISTAKENLY I WAS NOT THE PERSON THEY SPOKE TO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I used bestbuy credit card to buy some item, i made exchange in best on XXXX XXXX 2017 and Bestbuy agent said " you getting warning and i give you warning long with receipt after complete my exchange '' ( please play video it will show you true incident ). He didnt explain about the warning also he continue to work on exchange without giving warning receipt too. Item what i brought is not working properly and i went next day for exchange then i come to know about my returns are not accept upto 1 year. I try to work with corporate and bestbuy credit but no luck. 

Please look the time stamp on receipt there is no time difference between exchange and warning receipt.

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 01/31/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: HAVE NO CLUE WHO THIS DEBT BELONGS TO AND I HAVE ATTACHED THE PROPER INFORMATION N REGARDS TO THIS ACCT. ALSO I HAVE SPOKEN TO ALL AGENCY TO MAKE THEM AWARE THIS LETTER.

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 06/23/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I already filed a complaint and this is the answer I got from SLS. Exactly what I said they were doing. Forcing me into forclosure. I filed a dispute as well and this is their answer to the dispute. Do I have any help out there???????????? 
Sincerely, XXXX 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 explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried to negotiate with the lender XXXX XXXX to modify our loan to get back to date. We have been applying for six years and the bank continues to deny my loan modification. The lender informed me that they will not even take my income into consideration. I am trying to take responsibility for my loan and the lender refuses to help me do so. Please help me since my daughter is XXXX ill and delicate and we can not loose our home for her.

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 09/17/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Deposits and withdrawals

Complaint: I have recently had direct deposits delayed into my account by 23hours 59 minutes. I am concerned that Regions Bank is pulling the same scam that XXXX was. Why not? nobody goes to jail. Small fine. good scam.

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 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The eversource company has continued to try and collect a debt from me from an account that was opened in a nearby town in 2014. They sold the collection to collection services, knowing that I believed the account was fraudulent! In 2014, I still lived at home and I was still a minor under the age of XXXX. I have called them numerous times, and they have said time and time again that they would not try and collect the debt anymore. Now it keeps showing up on my credit report, even though I never opened the account to begin with! My ID and plenty of paperwork proved that I did not live in the billed city and I was not of legal age to even open an account. I do not know who stole my identity but I want the debt cleared.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation