milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Dear CFPB, I would like to file a complaint regarding some unlawful practices Ive experienced with Experian. I recently reviewed my credit report, and I noticed some inaccurate information. I made Experian aware of the inaccurate information on XX/XX/XXXX (  FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. Experian did not send me any response within the 30 time period per the FCRA. 
I sent a follow up letter to Experian on XX/XX/XXXX ( FORM D ) disputing more inaccurate accounts on my credit report. Experian received this letter on XX/XX/XXXX ( FORM E and F ). In this letter, I also mentioned the original letter I sent on XX/XX/XXXX that I had not received a response for. 
Experian responded with a letter ( FORM G ) that stated one account had been deleted and other accounts were updated, pending, and/or verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. They also exceeded the time frame of 30 days to respond according to the FCRA. 
Experian sent me another letter ( FORM H ) that reflected more results. The two accounts that I originally disputed back on XX/XX/XXXX were listed as verified/remains, and another account showed as pending. 
Experian never responded to my original letter within 30 days. They also have failed to provide me with the requested documents from my file they used to validate any accounts. Experian still never sent me proof of such validation or any of physical documents in my file that I had requested. 
Experian is violating my rights as a consumer and these accounts must now be deleted. 

Thank you for all of your help, 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 11/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My federal student loans are currently in in-school deferment. Some of them are in deferment until XXXX of XXXX, others through XXXX XXXX. Yet for years now I have been receiving inaccurate and misleading information from Navient that I have payments due each month. Everytime I log into Navient 's website, it shows a payment due date for the coming month. I also receive misleading and inaccurate information in emails from Navient saying I have a payment due next month. However, whenever I call the customer service hotline at Navient I am assured that my loans are in deferment, there are no monthly payments due, and that I should " rest assured. '' It is difficult for me to discern which information on their website is accurate and which is inaccurate. I have also tried to be proactive to prevent missing any payments or making any late payments. I have requested, multiple times, to set up autopay and link my current bank account so that in the event that a payment is due ( either in error, or because I was simply too confused by the inaccurate and misleading information on their website to understand that this time it really is due ) an autopay would take place. However, Navient continues to tell me that since my loans are still in an in-school deferment I can not set up an autopay. I have to wait until my loans come out of deferment until I can set up autopay. But everytime I log into the Navient website, it looks as if I am in danger of missing the payment due next month. The whole system seems intentionally designed to deliberately trick students into missing a payment and being hit with late fees and interest rate hikes. This causes me extraordinary stress as I never know if I am about to miss a payment or not. For example, according to their website and the emails that they sent me I had a payment due yesterday, XXXX XXXX, XXXX. I could n't call their customer service due to the holiday weekend, so I did n't sleep last night worried I was missing a payment. When I call them this morning they told me essentially to ignore the information I was receiving via email and on their website. But someday ignoring that information could result in a missed payment. When should I ignore the information and when should I heed that information? It is extremely distressing and confusing.

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

Complaint: It appears that the payments I 've been making over the past two years have no been fully applied to my account. On my tax information it also appears that the interest I 've been paying has been miscalculated as well.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Due to unemployment was unable to continue with the payment arrangements made with Navient and they claimed they cancelled them. Several months went by and they started pulling money from my account again. Called and they assured me the auto payments were cancelled. next month again they pulled money, called on XXXX XXXX and they transfer me all over the place then told me that it was from the old payment arrangements and they could n't cancel as it was on a different computer system, they transferred me to the other department who acknowledged that the old payment arrangements were still in the system but they also assured me they cancelled it and I would not have any more funds pulled from my account. Today, again more money pulled from my account. Called and was transferred multiple times again because " unable to see my account information '' then they hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (VA).
Issue: Making/receiving payments, sending money

Complaint: SOLD PROPERTY IN 2010,,, HAD XXXX WITH CHASE BANK, I WAS XXXX MONTHS LATE AND HOUSE DID SELL. ASKED FOR PAYOFF AND RECEIVED NO HELP WHAT SO EVER. WAS TOLD THE HOUSE WAS IN FORECLOSURE BUT I NEVER RECEIVED ANY PAPERWORK OR NOTICE FOR THIS. CHASE ALSO HELD OUT FOR XXXX MONTHS AND CHARGED ME PENALTIES AND INTEREST THRU THIS PERIOD OF SEVERAL XXXX DOLLARS. CALLED THEM AT LEAST A XXXX TIMES AS WELL AS THE CLOSING ATTORNEY ALSO. NEVER RECEIVED ANY RESPONSE. TO THIS DAY I HAVE CALLED AND ASKED FOR ALL THE ORIGINAL PAPERWORK AND STILL GET A RUN AROUND. THEY REPORT TO THE CREDIT BUREAU THAT THE HOUSE WAS FORECLOSED ON AND THAT WAS NOT THE TRUTH. CLOSING WAS DELAYED DIRECTLY BY THE BANK IT SELF AND I HAVE TO PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 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 status incorrect

Complaint: On XX/XX/2015 I call TransUnion to inform them that I was seeing inquiries countless amounts of inquires showing up on the my credit report. I was aware that they did have an inquire issue and that my file was possibly affected by this. None the less they did not notify me at all about this situation and when I called for clarity the Customer Service Rep was of no help. I just wanted the inquires all off my report.

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 01/30/2018 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I had an outstanding balance with XXXX XXXX XXXX  that I satisfied and chexsystems is still incorrectly reporting that I owe and were unable to provide me with information about the account after numerous request.

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 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a foreclosure on XXXX 2013 with XXXX XXXX. That account is still open on my credit report and XXXX XXXX is now bankrupt.

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 11/22/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: USAA closed my account because it was overdrawn according to their members handbook I had 41 days to get it current. Firstly the reason that it was overdrawn is that a disputed item was returned per USAA and no letter was sent and I have not received one as of yet. The account was overdrawn when the disputed item was returned when I called on XXXX XXXX we discovered that the 1st returned item that was disputed should not have been taken back out of the account and that the dispute was found in my favor. When the 2nd disputed item came through on XXXX XXXX this should have been the original date that the account went negative. USAA representative acknowledged this and escalated to get the 1st disputed item returned to the account. They agreed that it was their issue as to why the account was negative and had they not messed up the account would have not been negative until the other item came through on the XXXX. The account was closed and we have asked the account to be reopened as it was their fault in the first place and they agree that given the new dates the account should not have been closed on the XXXX as it was only 21 days past the correct overdraft day of the XXXX. We have waited for this to happen and it still has not happened. They closed this account per them against the members policy and have done nothing to reopen the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with loanDepot.com, LLC (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX loan depot called ask me about refinancing I told him he could give me certain info but do not run a credit inquiry he said he wouldn't I didn't give him my social said he had it from XX/XX/2016 plus he talked to my wife not me I'm XXXX.i gave no permission hope they recorded the conversation cause my wife also told them not to wrong a report very upset at this point

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Mortgage (FHA mortgage) with Security National Mortgage (AZ).
Issue: Application, originator, mortgage broker

Complaint: I am a XXXX and have been trying to close on a house for a client since XXXX XXXX. It has been over 115 days since the lender has had the contract. At first they loan was for a VA loan. A few days before we where supposed to close the lender says that my client does n't qualify for a VA loan. Something that should have been figured out in the Pre approval process. Did you serve two years or more? Or did you do a full tour? My client did n't meet that requirement. But he paid for a VA appraisal. So then we switched the loan to a FHA loan. We extended the close another 30+ days and extended a again after that. The sellers where very nice in extending and they had a contingent house based on the closing of this transaction. The FHA appraisal took forever and once it came back did n't get uploaded correctly. With all of the issues that this loan has had you would think that the lender would have been in constant contact. I heard from the loan officer 4 times on the phone after I would have to call him repeatedly to get a answer. I went over his head to the branch manager and she did n't know anything was wrong with the loan. The Lender had no since of urgency in getting this transaction closed. With the lack of communication from the lenders and that they kept making promises to close the loan yet week after week it did n't happen. My clients have now lost the home that they where trying to buy and they do n't have a place to live because they had to give a notice that they where moving. They have spent over {$1500.00} to try and get this home and have nothing to show for it. And because they are a FHA loan they might not have the funds to go after another home with all of the costs of inspections, appraisals, and the 3.5 % down payment. Through out this hole process the lender has taken no responsibility and has dropped the ball many times. I feel bad for my clients because at the end of the day he did serve our military and they do n't deserve to be not cared about by a big lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In XX/XX/XXXX, I received an offer of 1.99 % promotional APR on balance transfers until XX/XX/XXXX. I took the advantages to advance {$3700.00} and {$3500.00} on XX/XX/XXXX after paying a balance transfer fee of 2 %. 

Minimum payment was debited from my checking account on due date every month. In addition, I pay for all the new purchases before each due date. However, Chase Bank keeps charging me high interest rate on my purchases, I called twice to ask for an explanation. They told me that whenever I used my card for purchases, interests would be applied because the system was not set up to tell whether the payments were for the new purchases or towards the cash advance. I was advised to pay off the entire amount or not to use the credit card at all. 

Since I have prepaid the 2 % transfer fees, it is not fair for me to pay off the entire amount before XX/XX/XXXX. I have quit using this credit card in the last two months.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with ERC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection notice from ERC dated   XXXX   XXXX   XXXX     for a  XXXX  account that is not mine. The collection notice is from  XXXX  account number  XXXX . I mailed ERC a debt validation on  XXXX   XXXX  requesting for them to tell me what I owe the bill for, how they calculated what I owe, to send me copies of any documentation that stated I agreed to pay what they say I owe, to give me copies containing my signature, their   XXXX   license number, and to cease all contact with me until they sent me the above documentation. I disputed the validity of this debt and still have not received any information from ERC regarding this account. ERC also contacted me on    XXXX   XXXX    after they received my letter stating for them to not contact me. According to FCRA  1692g ( b ) If the consumer notified the debt collector in writing within the 30 day period described in subsection ( a ) that the debt or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ERC has not done this. ERC has violated the FCRA by not validating the debt as well as attempting to contact me by phone after receipt of my letter stating for them to cease contact unless provided with the information stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from XXXX XXXX and XXXX  that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently found out my credit file was not only incorrect but was a duplicate going back over 7 years. It also has an incorrect amount and this still has not been corrected. It seems they do n't care. XXXX have it right but not Experian!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (I do not know) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: HERE GO ANOTHER PLACE THAT I HAVENT GOT A CLUE WHERE IT FROM. I SENT THESE PEOPLE A LETTER TOO BUT THEY PUT IT ON MY REPORT AND KEEP ON CALLING. IT NEEDS TO STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: APR or interest rate

Complaint: I applied for a Wells Fargo Credit Card that offered 0 % for 15 Months on balance transfers, and I was approved, and they automatically trasnferred my balance from my other card. When I get the card and statement in the mail it tells me I was approved for a " cash back '' card, of which I did not apply, that had a rate of 22.15 %. I called and spoke with a manager who says that since I already had a credit card with them that had had a previous introductory rate offer I was not eligible for this rate offer so they approved me for another card based on my credit. I told him I didnt apply for that card nor get an opportunity to deny the card once knowing that the card would be at 22.15 % but he told me that it states that the I may not be eligible for the rate if I already had a card with them that had in the past had a introductory rate. From Wells Fargo website : " Eligibility for Introductory Rate ( s ) and Fees : If you currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you may not be eligible for the above introductory APR ( s ) or fees. " The problem is that even if I wasnt eligible for the card I was applying to at the 0 % how are they able to take my application and apply it to another card with another rate that I did not approve or know any terms or conditions on?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Medical debt) with USCB, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I took a friend ( a XXXX Member ) to XXXX XXXX Hospital ( " XXXX '' ) for medical attention. I had previously injured my XXXX  foot and was in pain, so I asked a member of XXXX 's Medical Staff to check to see if I had a XXXX XXXX. As it turned out, I did. I provided evidence of my Medical Insurance Coverage and XXXX was generous enough to waive a {$5.00} fee. Subsequently, my insurance company was billed by XXXX in two ( 2 ) separate claims for their service. The first Claim # XXXX was paid XX/XX/XXXX for {$41.00} ; second Claim # XXXX was paid the same date ( XX/XX/XXXX ) for {$120.00}. According to conversation with my insurance company following receipt of the collection notice, XXXX was paid a total of {$150.00} for both Claims : with one Check # XXXX. The check was cashed by XXXX on XX/XX/XXXX. I have been involved in the emergency care of a senior Family friend and have not had time nor opportunity to continue, back and forth, with XXXX after they have already been paid. XXXX has smeared my credit further and now seeks unjust enrichment at my expense. I, too, am a Senior Citizen and feel that I have been subjected to Elder Abuse due to XXXX 's inability to properly maintain their records. I am of the opinion that countless others have been subjected to the same, if not worse. I am a member of the XXXX XXXX and I realize that sometimes the dollar signs interfere with reality to such a large extent many people suffer without knowledge of being taken advantage of. Or, better yet, too worn and unnecessarily taken advantage of on a continuous basis they 've lost energy to fight. I want the record cleared based on payment received by XXXX ; a letter sent to each of the three ( 3 ) credit bureaus to clear the erroneous report. Finally, XXXX 's medical billing practices should be analyzed to ascertain how many true victims there are who 've suffered the casualties of poor medical billings! All facts were provided from the records of my insurance company ; XXXX has copies ( or should have ) of the checks received. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
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: I am victim of identity theft. I never applied for a XXXX credit card account. The following XXXX credit card accounts do n't belong to me : XXXX and XXXX. I have never applied for a XXXX credit card account.

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