milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I would like a thorough audit conducted on my student loan account. I asked Navient to conduct an audit few years ago because I believe I was being charged a ridiculous amount of interest. I also submitted a complaint to the attorney general of the state of Connecticut which is where I reside. I have been out of school for almost 10 years and my student loan balance has almost tripled because of interest. I have no problem paying what I owe but I do n't think I should owe more in interest than the actual dollar amount that I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last XXXX years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XX/XX/XXXX I applied for Chase slate credit card I was approved & soon I received my card, I started using the card for shopping and making balance transfers, suddenly on XX/XX/XXXX I received a letter form Chase card member services sating that the account is closed, I was extremely shocked I tried calling the 800 number and finally I was able to speak with a customer representative and he explained to me that the reason they closed my account was that they saw in their files that there are XXXX delinquent credit card accounts from XXXX & XXXX under my name I explained to the person on the phone that how can that be this is something impossible since I only Immigrated to USA on XX/XX/XXXXalong with my family etc. He answered that the Chase bank has take decision to close the account and there is nothing I can do about it..I wrote a letter to them providing information about the Identity theft that was a victim of and provided police report and wrote a rebuttal letter explaining to them that again that I am a ID theft victim and I dont have anything to do with the accounts opened back in XXXX & XXXX I did not authorize anyone to open accounts in my name I dont have only in XX/XX/XXXX applied for chase slate credit card I never dealt with Chase bank or Chase credit card before. 
Until now there is no action from chase to reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Payday loan () with ZARVAD III S.A. (SC).
Issue: Can't stop charges to bank account

Complaint: I placed a cesase order with PayDay Loans and they tried to continue to debit my account with XXXX XXXX XXXX, which require me to close my account. The Lender has submiited the debt to a third party collection agency XXXX XXXX XXXX XXXX XXXX XXXX NY who has harrassed my terminally ill husband home, threaten me with legal action advising me I needed to appear in my county court house in XXXX hours, contacted my place of business XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to report an account ( XXXX Account # XXXX ) on my credit report that I have requested several times to have deleted since it does not belong to me. I had also attached to my investigations with Equifax as proof an original letter from XXXXBANK which whom is the original furnish-er of this account that they would delete this account since it does not belong to me. Equifax with proof from the original creditor keeps saying this belongs to me? 

-Attached is original letter from XXXXBANK-Attached is XXXX separate dispute results from EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan is being repaid through Navient. I 'm on a graduated payment plan, which I can not afford, and they told me there is no other options for me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (NJ).
Issue: Fraud or scam

Complaint: I had bank accounts with JPMorgan Chase since around XX/XX/XXXX, and Chase allowed fraudsters to link my checking and saving account to their XXXX accounts and charged my accounts total of {$4900.00} fraudulently. Chase is only willing to pay back {$1700.00} out of the {$4900.00}. Following are some facts : 1 ) My checking account number was XXXX and saving account was XXXX. 2 ) Fraudsters linked to my Chase checking account through XXXX since XX/XX/XXXX and charge {$3100.00} from my account until XX/XX/XXXX. 3 ) Fraudsters linked to my Chase saving account through XXXX since XX/XX/XXXX and charge {$1800.00} from my account until XX/XX/XXXX. 3 ) I found the frauds and notified Chase immediately on XX/XX/XXXX. 4 ) Chase never notified me by any means that my accounts were linked by XXXX and just silently let fraudsters to withdraw money from my accounts. 5 ) Chase didnt do the very basic verification of name matching when my accounts were linked to XXXX. 6 ) When I report frauds to Chase on XX/XX/XXXX. 8 charges of total amount of {$680.00} were in pending status. Chase didnt do anything after my report to stop these charges and just let them go through. 7 ) When I found the frauds, I was about to have an urgent trip oversea and explicitly asked Chase to put my accounts in limit mode so money cant be withdrawn, but do not close them so I can access statements online to help me to get my money back from XXXX. But Chase closed my accounts anyway during my trip without any notification and make it impossible to get statements other than visit their branch. This made my effort to get my money back more difficult. 8 ) Chase didnt do any extra protection to my saving account, which conflicts to what I was told when I open saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with Total Card, Inc. (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been a victim of fraud and Identity theft. I have reported XXXX to all XXXX credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I am also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have also had my attorney to submit a letter to this company and they still have yet to respond back to me or my attorney. I am very furious about this because I have sent supporting documentation to this company even though they think the social number matches name and birthday they still think it is mine account. I have never opened a credit card with these people at all. I am very furious about this and this is my second time reporting it to CFPB and I still have not gotten any satisfaction from this company about this account. I have went over and beyond doing what I need to do about this and I do not know what other steps there is to take. If this is not off my credit by this company by XXXX XXXX as requested by my attorney please let this company know that we will sue them for continuing to have negative untrue things on my account about having a card with them. This is the last time I will be contacting them about this account next time they will be receiving a subpoena from my attorney for a appearance date in court. I expected to hear back from this company before XXXX XXXX. If not further action will be taken by my attorney and I know you got her letter because it was sent next day. Please have the company contact me back before XXXX XXXX so that we can try to settle this out of court if not legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have a dispute in with Equifax. Confirmation XXXX. It was submitted in XX/XX/XXXX 2017. It is still in " Pending '' status. When I try to contact Equifax over this, they continually state my credit report does n't match my file and I need to contact them over the phone. I can not contact them. The call remains unanswered, or when transferred, remains unanswered. I just want the Confirmation XXXX resolved. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (MD).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Vehicle was repossessed in XXXX of 2016. I paid all fees and totaling over {$3000.00} and received vehicle back. In XXXX of 2016 arrangements were made with company to settle remaining loan terms. Company accepted payment and still reposses vehicle after arrangements were made. After repossession occurred company stated that vehicle could not be received back to due Georgia laws stating that a vehicle could not be repossessed and retrieved back twice in a twelve month period. The vehicles loan title and tags originated and were current in the state of Maryland. Company never sent information regarding date of sale, amount owed or the whereabouts of vehicle as promised. Company is now trying to collect on vehicle loan amount after auction. I was never given the opportunity to purchase vehicle back after paying on car on time for over three years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XXXX, TransUnion will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with zero balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.

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 11-05-2016 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (NY).
Issue: Trouble during payment process

Complaint: XXXX / XXXX / XXXX  Tax Bill  1 D isbursement Payments - escrow behind  XXXX  {$5200.00} after payment Escrow was setup based off  XXXX  Tax Bill - ~ $  XXXX   County School t ax is  XXXX  per {$1000.00}  ( no  recent change in rate ) Escrow is behind due to lack of setting up proper escrow. Mortgage rate increased from {$1200.00} / month to $  XXXX  month This increase is for a year to catch up escrow Afterwards it will be set at {$1500.00} / month Attempting to work with lender to resolve the situation, at this time not getting much assistance in resolving the issue.     In risk of loosing house due to mortgage rate increase to cover for escrow mistake. It appears that poor practice of blindly setting up escrow based off previous year 's taxes instead of calculating proper tax rate is the source of problem. I, as the consumer, is left trying to resolve and fix the problem that others created.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Medical debt) with ECMC Group, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX I went into the emergency room at XXXX XXXX XXXX XXXX to be seen for stomach pain. The wait was very long so I left without ever being admitted. I ended up going to another emergency room ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I received an alert from XXXX XXXX stating that a new negative account had been added to my credit files ( XXXX and XXXX XXXX ). To my surprise I had lost 42 points due to a collection being added from a creditor by the name of XXXX XXXX XXXX XXXX XXXX. I researched the company and called to see why they had added this to my file. They told me that XXXX XXXX XXXX had submitted a bill for {$270.00} stating that I failed to pay. I have never received a bill or a call from XXXX XXXX XXXX or from XXXX XXXX. I asked the women to verify what contact information they had on file. She preceded to verify an old address of mine and a phone number that has never been mine. I asked what correspondence had gone out to me to alert me of this debt and she failed to answer the question. She kept telling me to call XXXX XXXX XXXX. I never received service from XXXX XXXX XXXX and I was never admitted despite the bill I requested and received ( XX/XX/XXXX ) stating I was discharged at XXXX XXXX. I arrived at XXXX XXXX XXXX XXXX which is 14.2 miles away at XXXX XXXX. This is fraud. XXXX XXXX XXXX preceded to charge my XXXX XXXX for room in board and service that was never rendered. They have damaged my credit and committed insurance fraud. I never received any notice of the debt and was not given a chance to dispute it or anything. FRAUD.

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 04/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received notice that I defaulted on a student loan from 1993. I thought I paid it but was not sure. I was talking with my family about it and they remember that I did pay it off. It was the first big obligation that I had paid off and at the time, they were proud of me. I started school with the promise of employee reimbursement but lost that due to XXXX. They set up a payment plan but I have been unable to make payments. The thing is, this is over twenty years ago and I do not have documentation from that time. I was homeless for almost five years and lost everything. Even with that, it is unreasonable to expect someone to be able to prove they paid something from 20 years ago. Student loans says they sent collection letters but I did not receive them. I move around a lot and was homeless, so they could have been an issue. My family states they never saw any communication. Even with the XXXX I am doing well in school but if I do n't get this resolved, I will have to quit. The attitude of the Department of Education is that even though I paid it, they do not show the payment, and I am supposed to pay it back. They will not budge, even though they have not looked for an error from that time. They state that there is no error because the computer show I owe the money. It does not make sense to me. I have tried the ombudsmen and they state I have to have proof of payment. Twenty years ago it was very normal to keep paperwork for 6 or 7 years then dispose of it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Calvary Portfolio Services has re-aged the debt for   XXXX   XXXX   XXXX   and reporting an inaccurate amount of {$650.00}. This debt has surpass the statue of limitation. This has caused damage to my credit over many years. The payment status on my   XXXX    credit report is listed as " Refinanced or Renewed '' The original creditor is   XXXX   XXXX   Nevada the date of m y 1  st late p ayment is well ov er 7 yea rs. Calvary Portfolio is using illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a private student loan with Wells Fargo that is currently in their collections department. I have tried with great effort to pay on this account and to bring it current. XX/XX/2016 I applied for a financial hardship forbearance to help reduce or delay my monthly payments and was denied. On XX/XX/2016 I called and spoke with a Wells Fargo representative ( employee ID # XXXX ) with my concern over my past due amount and monthly payment amount. I asked her what I had to do to bring my account current and be eligible for a forbearance. She told me that if I made three consecutive payments of {$70.00} they would be able to place the remaining balance due to the end of the loan, bringing me current and granting me a forbearance. I made payments of {$70.00} for XX/XX/XXXX, XX/XX/XXXX and XXXX as they requested. I even called Wells Fargo XX/XX/2016, to confirm payments made and that the agreement we made was still in place and they ensured me it was. The XXXX payments were paid on time. ( however they still charged me late fees ). On XX/XX/XXXX and XX/XX/XXXX I called Wells Fargo to discuss the position of my loan, preparing to have it brought current and a forbearance be put in place. XXXX Wells Fargo representatives that I spoke with acknowledged the agreement they had made with me on XX/XX/2016 however, they would not work with me on a forbearance or bringing the loan current. They absolutely refused to help me. My income is approximately {$1500.00} a month. My living expenses alone account for almost 75 % of that. My loan amount with Wells Fargo is {$7200.00}. I am not looking to dismiss the loan, I am only looking to cease payments for a period of time or lower my monthly payment to one I can afford. I am concerned about this loan and how it continues to affect my credit. I would greatly appreciate any help and/or guidance with this situation. Thank you

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 05/17/2017 about Debt collection (Auto debt) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (AR).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: A company has been calling me, my extended family ( to include in-law s ), and EVEN MY NEIGHBOR in reference to an " open investigation ''. They are acting like they are the police. Impersonating the police is a serious crime. I will be filing a police report. The name they gave my neighbor was " Investigator   XXXX   XXXX  ''. These scare tactics not only break local and state laws, they also violate my privacy. I do not have the FDCPA memorized, but the tactics used by this company who never identifies itself absolutely has to be in violation of the FDCPA.   After some internet research, the information for the company is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I deposited a check # XXXX for {$4000.00} XXXX to a XXXX account in XXXX WI. Funds to cover the check was placed in my account 4 days prior to the date the check # XXXX was to be credited to the account in XXXX WI.However Chase bank did not release the funds on XXXX XXXX information given by the teller. Instead Chase released the funds on XXXX XXXX Wednesday, a day after.. Because of this delay to release the funds Chase charged me US $ XXXX.for insufficient funds fee and the bank in XXXX WI. also charged XXXX for insufficient funds fee. I want chase Bank to return the fee to my account and to pay back the fee charged by XXXX XXXX in XXXX WI.

Company response to consumer: Closed with monetary relief