milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making payments on time for over six years and my balance on all my loans is higher than the original principal balance from 2008. I am requesting a freeze be placed on my account and payment schedule until a full forensic review of my account can be conducted. In this same time period I had a student loan being serviced by XXXX and that loan is now paid off and the account is closed. I have significant concerns about the book keeping of Navient and I need an explanation of how my balance can be higher than when the account originated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: WELLS FARGO BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with Global Recovery Group (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I RECEIVED TWO VM MESSAGES AT MY PLACE OF EMPLOYMENT FROM XXXX REQUESTING THE NAME OF MY EMPLOYER AND A CURRENT ADDRESS TO SERVE ME PAPERS ... 2ND VM STATED IT WAS IN MY BEST INTEREST TO SPEAK TO SOMEONE FROM GLOBAL RECOVERY GROUP TO RESOLVE THIS ISSUE

Company response to consumer: Untimely response
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: Hello I am following-up on my earlier complaint, complaint number XXXX, of XXXX XXXX, 2016, regarding WELLS FARGO 's thievery, conveniently lifting money out of my pockets for there own bonuses. I submitted this follow-up yesterday, though I did not receive confirmation of its receipt, so I am posting it again today. In my initial complaint, I described a situation where Wells Fargo closed and opened new accounts in my name at least four times, without my consent, and how their doing so ruined my life in Oregon. Thankfully I have recovered, four years later, despite WELLS FARGO 'S best efforts to destroy me. Anyway, over the last few days I find articles in the XXXX and the XXXX XXXX, where employees describe being bullied and coerced into closing and opening customer 's accounts repeatedly, presumably in effort to generate new account volume and new account fees. This news comes a month after my initial complaint to CFPB, and still we have NO RESPONSE FROM WELLS FARGO except that they wish to delay their response. UNACCEPTABLE. I hope they are happy with their bonuses and knowing that they ruined my life in Oregon. I could say lots of curse words about WELLS FARGO, but suffice to say that a nice word like XXXX still applies to the top of the heap.

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 12/20/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been issuing credit disputes regarding medical bills and car loans that were my ex husbands, and as soon as they take it off the report it is put back on causing my credit score to drop almost XXXX points. The personal information is also incorrect and I have submitted a copy of my drivers license and social security card to no avail. I am wondering why they are continuing to keep dropping my credit score over and over again. I have no new accounts and this seems to be discriminatory actions. 
I would like these medical bills removed from my account completely. The insurance paid what was agreed upon and now I am being billed what they think I owe. The main companies are XXXX XXXX XXXX and XXXX XXXX XXXX. 
Also, I believe that my credit score should be no less than XXXX from each of the reporting agencies after this issues are corrected because I have opened no new accounts and the XXXX accounts that I have are continually paid on time. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax is not allowing me access to my credit report and score even when i purchase it i was signed up with monthly monitoring and i still ca n't access it this is what i get when i order it We are unable to complete your order at this time. Please contact our Customer Care department at XXXX ( XXXX ) 7 days a week between the hours of XXXX - XXXX Eastern Time Zone for immediate assistance. Please record the following information and have it available when you call : Eval Code : - Status Code : FL, Reason Code : NH i call and no one know what that means i do not have no fraud alert or security freeze on account. also other lender who pull report can not access it either.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Trouble during payment process

Complaint: RoundPoint has transferred my mortgage to XXXX XXXX XXXX , XXXX ( XXXX ) on XX/XX/XXXX. I was informed not to process any payments after XX/XX/XXXX to Roundpoint and that I needed to do nothing about automatic drafts scheduled after XX/XX/XXXX as they would not be processed. RoundPoint processed the automatic payment from my checking account on XX/XX/XXXX and failed to immediately transfer this payment to XXXX as a received payment for XXXX. XXXX processed an automatic payment from my checking account as a result on XX/XX/XXXX. I contacted RoundPoint to ensure this balance would be transferred before my XXXX due payment but the several contacts to the company did not resolve this and XXXX processed another mortgage payment from my checking account on XX/XX/XXXX. Upon contacting RoundPoint after this, I was informed that they put my money in a suspense account rather than transferring it with my loan to XXXX. I have contacted them again and they still have not transferred my money to apply to my mortgage with the new company. This has resulted in my finances being interrupted as these funds have been tied up for the past month. I 've made countless long calls, have had multiple failures to escalate, been called a liar about this payment, have been transferred to the main queue to start all over during calls, and not received any of the multiple callbacks promised by RoundPoint 's customer service.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX Confirmation # XXXX XX/XX/XXXX Personal Information has wrong address and this has been going on for over 4 months now with no end to XXXX putting address are not my address as office buildings and other address that XXXX has or can not provide proof of the address. 
Employment not showing last reported or Previous Employment not showing. I have sent in my current proof of XXXX from employment and have yet to see anything on my credit report. 
Liens showing on my credit report as to I have ask XXXX for proof of my full name full social security number full date of birth and full address in my name showing all the information as required as to the laws changing in XX/XX/XXXX pertaining to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (DC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On  XXXX   XXXX  I was charged a huge overdraft fee despite having opted out of " overdraft protection '' which is a creative euphemism for being able to charge exorbitant fees for a coffee accidentally put on the wrong card.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Medical) with RMB, Inc. (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I accrued medical bills from XXXX XXXX and XXXX XXXX system after an illness in XX/XX/XXXX and have been making monthly payments of between {$50.00}. and {$200.00}. per month to XXXX XXXX depending on how much I can afford each month.The original bill from XXXX was for {$1500.00} and my first bill was due in XX/XX/XXXX. I paid {$50.00}. in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, {$180.00} in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, and {$200.00}. in XX/XX/XXXX despite not receiving a bill in XX/XX/XXXX. My current balance is {$900.00}. and I expect it to be paid off by XX/XX/XXXX now that my other medical bill ( XXXX Healthcare system ) is paid in full. All bills were paid before due date. None were late! Today I received a letter from a collection agency for my unpaid balance affecting my credit. It would be another story if I were making minimal or late payments but that is not the case. This is n't right!

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Loan amount taken out was {$22000.00} in XXXX. Balance still owed is {$22000.00}. Been paying every month for years at 5.5 % interest rate. Payment is {$130.00} a month now and {$99.00} is applied to interest and fees assessed. It has been 11 years without anything coming off the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Today I received a letter from Convergent Outsourcing, trying to collect money for a debt I paid off and had removed from my credit report years ago. When I called, I told the representative that the debt had been paid and that the statute of limitations had passed regardless. I asked for a supervisor and a fax number to send proof of payment and I was hung up on. This happened three more times, along with threats of arresting me and a court case pending. The debt was owed originally to XXXX, who I called to ensure I did n't owe anything further, which was confirmed. To be treated snidely and threatened even if I still owed would be inexcusable, but this is just plain XXXX and I ca n't imagine how many people have actually been bamboozled by these people. Please do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: PayPal Credit contacted an individual, XXXX XXXX, whom I know to resolve a debt. PayPal Credit contacted XXXX XXXX on XXXX XXXX and indentified themselves as PayPal Credit and claimed that the call was regarding a collection of debt. PayPal Credit also stated that the debt was mine, XXXX XXXX As a results of this third party collection call to XXXX XXXX, it had ruined my relationship with XXXX XXXX! This has ruined my public reputation!

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Payday loan () with Midwest Recovery Systems (TX).
Issue: Can't contact lender

Complaint: I notice an unauthorized charge on my credit report from advance america. They claimed I took out a loan in the year XX/XX/2012. I have not taken any loans out during this year or prior. I had a bankruptcy XXXX XXXX I was paying for. This charge on my credit report is not mine. 

I can be reach at XXXX. XXXX Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with ResidentCollect, Inc. (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Innovative R reported {$290.00} as owed to XXXX XXXX XXXX for disputed charges which were never resolved ). I only have a statement from XXXX XXXX XXXX showing XXXX which was disputed and I was never contacted by Innovative R

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit card () with CITIBANK, N.A. (SD).
Issue: APR or interest rate

Complaint: When I made my purchases with best buy the customer service representatives never said anything about having a deferred interest promotion all they said was 12 months interest free ... NOTHING WAS EXPLAINED OR SHOWN TO ME ABOUT DEFERRED INTEREST!! I feel completely taken advantage of and abused by this bank because I have large payments I ca n't afford and did n't plan on having on my account. I want at least some of the interest waived and a payment plan that will help me get this account paid down or I will continue complaining to every agency I can find

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted. <P/>here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated. <P/>Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. <P/>Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: As you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX XXXX  that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: On Wednesday XX/XX/2018 at around XXXX I got a text alert and an email from Citibank informing me about fraud attempt charges on my credit card ( one for {$100.00} and a second charge for {$480.00} ) made at a Credit Union . I contacted the Citibank fraud department through the phone and denied both charges since they were unknown to me. My credit card was cancelled at the moment and a new one was issued to prevent future fraud charges from the two existing ones. Both charges were dismissed from my old credit card with an email from Citibank stating As a Citi cardmember, youre also protected with {$0.00} liability on unauthorized charges, which means youre not responsible for charges you didnt authorize. However, even though the second charge for {$480.00} was dismissed from my old credit card, it still shows on my new credit card. Several attempts have been made to dispute this charge and they have been denied stating by the Citibank representative that is impossible for someone to misuse my credit card information without my consent and things such as card cloning and skimming are impossible and do not exist. The conversation was recorded by the representative on Monday XX/XX/2018 at XXXX. As of now, Citibank expects me to pay for a fraudulent charge I never did which I believe is unfair.

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 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX unverifiable XXXX XXXX XXXX unverifiable XXXX XXXX XXXX unverifiable XXXX  XXXX unverifiable INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXI XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized How is Experian able to verify these when XXXX and XXXX can not? I am trying to establish a paper trail for a lawsuit if needed ...

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 05/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Other

Complaint: I am a month behind on XXXX of the XXXX credit cards I have with Capital OneOn XXXX they left a message, on XXXX I talked to a human and explainedThey said ok, we will be looking for a payment on XXXXXXXXOn XXXX they left a message at XXXXXXXXI called back and talked to a human at XXXX and explained a paymentis already scheduled, why are you calling and harassing me? 
They said they would note it on my account, like the other XXXX people weresuppose to do, and not to keep calling me. 
Then, they called me AGAIN at XXXX about the same thing!!! 
I AM BEING HARRASSED!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (I do not know) with Eastern Account Systems of Connecticut, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never received information regarding a debt from Eastern Account System. I have no idea where this debt is from. I have excellent credit and funds available to pay this debt but they put it on my credit report just as I am applying for a refinance on my mortgage. Now I ca n't get them to remove it. AND I DONT EVEN KNOW WHAT IT IS FOR BECAUSE I NEVER RECEIVED NOTICE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Trouble during payment process

Complaint: Hello, My complaint is two-fold. 1. I sent them an email in regards to being a veteran and not paying PMI or MIP. I was told to call XXXX and have been unsuccessful. Therefore no results. As a veteran it is advertised that a veteran pays no PMI or MIP. I purchased the house in XX/XX/XXXX and became a XXXX in XX/XX/XXXX. Bank of America was aware of my status since I gave them notice. I have paid PMI or MIP since XX/XX/XXXX thru XX/XX/XXXX. Can you help? <P/>2. I make advance principal payments to pay down my mortgage. I rec 'd a letter reading that I do not have to make a payment till XX/XX/XXXX. As of today I have paid advance principal payment through XX/XX/XXXX. Therefore the year XX/XX/XXXX should show up on my amortization schedule. What reads on my current amortization schedule is XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As I continue to plan on making advance principal payment the normal reading of my amortization schedule should start reading the amortization starting XX/XX/XXXX as of XX/XX/XXXX. Can you help? <P/>CFPB has helped me in the past and did an awesome job and you were able to obtain just results for me. <P/>Thank you, 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