milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had private loans through Navient, which I recently consolidated through XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX  uses Navient as their servicer, so I am still working with Navient who originally held the loans. XXXX XXXX submitted payment to Navient to payoff/consolidate my loans in XXXX of 2017, and my repayments to XXXX XXXX, serviced through Navient, began on XXXX/XXXX/17. The XXXX XXXX loan is ID XXXX. After my new payments began with XXXX XXXX I noticed that I still had balances on my loans originally held by Navient. Navient did not XXXX out my accounts and transfer the balances to XXXX XXXX. I notified Navient of this issue on or around XXXX XXXX, 2017. I was told that the XXXX remaining balances, account ID XXXX and account ID XXXX, which showed about {$300.00} remaining, would XXXX out in about a month. I was provided ample assurances that everything was fine. I waited. After the given deadline I reviewed my account and found that Navient did not resolve the issue. Once again, on or around XXXX XXXX, 2017, I called Navient and informed them of the issue. The representative I spoke with reviewed my account and said that the account will definitely be resolved by XXXX XXXX, 2017. I was told that it takes 90 days to completely XXXX out accounts, and the accounts would be resolved by this date. That date came and went, and I am still stuck with balances on my account that should have been consolidated with the rest of my loans. These loans are also accruing interest, so my balances are continuing to increase. Navient has repeatedly lied to me about my account status, while they profit from the accruing loan balance. On every call I have made they refuse to do anything to resolve my issues besides tell me to wait. I am tired of being lied to by this company. This is an unfair practice : it causes injury to me, the consumer ; I can not reasonably avoid the injury since Navient is holding the account and their representatives have not assisted me in resolving the issue ; and there is no countervailing benefit. Alternatively, this is a deceptive practice : Navient 's representatives purposefully mislead me by telling me that the accounts would be resolved within 90 days ; my interpretation is reasonable since they gave me specific deadlines as to when the accounts would be resolved, on two different occasions ; and this misrepresentation is material since I continue to accrue interest on these open accounts. Additionally, I continue to receive monthly bills for these two accounts despite the fact that I have no payment due and they are " going to be resolved ''. I have attached a copy of my monthly bills for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This number keep calling me everyday telling me I owe XXXX money, but double checked with XXXX, I do n't owe them money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a new report on my credit that an open account has been reported to a collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Federal student loan) with Williams & Fudge, Inc (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I only owe {$33.00} they have n't showed that I been paying on this collection

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (MD).
Issue: Account opening, closing, or management

Complaint: I contacted Ally about my auto loan being rewritten. At that time I was informed if I rewrote the loan my next payment would not be due until XX/XX/XXXX. I received no collection calls. Therefore I was under the impression that my loan was in a rewrite status. Ally reported my payment as late while they rewrote the loan, requested info from me by XXXX, and completed the loan process. When all was finalized I found out the credit reports were made.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX does not report two of my mortgages-both of which are open and current. I have filed 3 disputes trying to correct the problem and get the same results each time. 

My most recent disputes were filedXX/XX/XXXX ( one for each mortgage company ). I received a response from XXXXXX/XX/XXXXstating that they resolved one issue and that the account is closed. And the other mortgage they can not find so it is not reporting. 

I 've contacted both mortgages who say they are reporting to XXXX each month. 

I would like the history corrected for both mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with EOS Holdings, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was a client of XXXX XXXX XXXX XXXX XXXX XXXX I believe this was over ten years ago, I requested a final bill and when it came I called to make sure all was paid, Now after all this time I am receiving XXXX statements from a company called XXXX XXXX XXXX XXXX not just for XXXX bill but XXXX, XXXX for {$310.00} and XXXX for {$180.00}. they have been noticed that these bills if they ever excessed have been paid, but they wont stop billing and reporting negatives on my credit report. when I requested the remove it from my credit report I was told to pay up and they would report it paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Customer service / Customer relations

Complaint: I am disputing a XXXX day charge that was on my credit report from Chase. I received a courtesy call from Chase 's customer support team on XX/XX/XXXX at which time I made an over the phone payment of {$270.00}. The customer support individual than proceeded to tell me that I would not receive a late notice on my credit report. In addition, the lady discussed an option of setting up auto pay through her, which I agreed to as it would avoid this from happening in the future. However, to much to my aggravation a late notice was placed on my credit report and the auto pay program was never setup for my credit card account. 

On XXXX different occasions I called Chase customer service to see if we could resolve this late payment notice problem and I requested the support individual to pull up the call from XXXX XXXX to prove that this conversation had indeed occurred. I was then informed that they were unable to find that specific call which then I was transferred to another department and they proceeded to tell me the same thing and transfer me again to another department. Each department that I spoke with were unable to resolve removing the late payment notice on my report or find the original call from XX/XX/XXXX and each representative told me a manager would call me back about this issue but I never received a call from anyone. 

I send a letter to Chase 's Executive Office on XX/XX/XXXX and received a letter back dated XX/XX/XXXX which did not address any of my concerns. I call XXXX XXXX, the Executive Office rep, and never got a call back. I called again and finally reached XXXX XXXX and she looked into everything and was unable to find the call from XX/XX/XXXX and said that Chase does not feel that this is a bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, a company called XXXX XXXX Showed up as an Inquiries on my credit report. I was not looking for any credit or loan for the last 6 months so no one should be pulling my credit. I immediately called Experian and ask them about it and why do n't the inquiries have a telephone number on it so I can call and see who pulled my credit and why. I also put a lock on my credit to make sure this does n't happen again. It is a very comfortable and scary when company pull your credit without your permission because it could be someone trying to get a credit card or a loan in your name without you knowing. Whoever company did this pull my credit did it without my consent and I want the inquiries to be removed from my report and a notice sent to them that this inquiry was fraudulent because I was not looking for credit from anyone during this time. I did a dispute with Experian and ask them to remove this inquiry. No company should pull anyone credit without your consent no only it violates someone credit report, it takes down your score up to 7 points and also can look at as if you were looking for funding and most lender look at recent inquiries as a negative thing that can stop you from getting funding. No good lender want to give you funding if they think you just got funding, they are basing your debt on what you have at that time. The second pull from XXXX XXXX is on XX/XX/XXXX I am not sure where that came from because it is 7 months ago. Be I am 100 % the first one on XX/XX/XXXX was not done by me or my consent.

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 12-07-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: That was offended with XXXX inters if I paid in 6 month. I paid due in this term a the company want that I paid the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has been sending me payoff quotes with incorrect ( double ) charges for interest and a ficticious " satisfaction cost '' of XXXX $ just to pay-off my loan. In none of my original loan documents is this a required cost. I would also note that on the previous payoff quote from last month the interest has approximately XXXX that of what it is now and greater than my current montly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: I had a special XXXX account with Wells Fargo that required {$25000.00} in the account. I was charged a fee for this account for many months no matter if the account had over XXXX in it or not. The bank manager almost fell over the teller trying to sell me this and when I addressed it I was not compensated for this deception fully. 

I also noticed a extra savings/checking accounts that were added that I wanted to make sure I was n't charged for those as well. I noticed when I was closing most of my accounts with Wells Fargo. 

Thank you kindly

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: OnXX/XX/XXXX I reloaded 2 netspend cards, {$1000.00} each.with another netspend card {$640.00} my information was approved and fully activated. netspend has mislead costumer to believe that they can use their money instantly but failed to keep up with that promise. Ive sent in documents needed for identity as i did for the card with the least money and it wasnt approved, my account for both accounts had now been blocked. i was told nowXX/XX/XXXX that i would be sent a check in the mail in 10days. Hoping its not a scam as others complained online about receiving a fake check. im still waiting.

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 09-06-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: Hello, I was a member of American Express Serve from XXXX up to today. They informed me that I no longer have an account with them following my dispute that they say was resolved. I had {$1900.00} on my account and went to XXXX XXXX/XXXX/XXXX to top it up to maintain {$2000.00} for my car payment. I received my receipt and saw {$900.00} on the new balance. This is not right I said. I went home and logged into my account and saw transactions to my account that I did not make or authorized. I contacted American Serve and made them aware of the situation and seeing these funds were on hold for payment ; I told the representative to stop payment as I did not authorize these. They said they would have Serve look into it and issue me a new card. I contacted Serve again and this time they stated I should file a dispute, which I did. The monies had finally went over to the vendors. I kept contacting Serve and was told that an investigation was ongoing and that if they felt I should receive the monies in the meantime while they conducted the investigation would be determined by them. I got the money which was {$1100.00}. Today I got email stating that their investigation was complete and that the transactions were authorized and they took the {$1100.00} from the account and closed the account. I called twice and was told this and that a check has been mailed out to me for the remainder on the account of {$900.00}. I am at a loss as to how to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have made various attempts to pay my loan down/off earlier than scheduled. The Company has not been very helpful to achieve this. Please see my most recent complaint with them on this attached. I attempted to pay bi-weekly. First last year I was told that a XXXX XXXX loan was not applicable to this payment structure. At the end of the year I was finally able to set this up to only find out that they would just hold my payment until a full payment was received and would not apply to my account earlier therefore reducing interest. I then tried to cancel the bi-weekly payments and make monthly payments with {$300.00} extra per month only to have them mess that up too and apply additional payments to the next month payment versus to principal as instructed in my note. They continue to be difficult to reduce principal earlier than the original amortization schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (VT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a rental unit with XXXX for over 4 years, paid every month. My wife and I got it when we moved out of state with the plan being to come back for our stuff. 4 years later we realized we did n't really need the stuff anymore so we called XXXX XXXX and asked them what our options were to get rid of the storage. They told us the only way without us coming to get the stuff was to let them auction it, so we did. This was in XXXX XXXX, auction was in XXXX XXXX. The deal was they would auction it then send us a bill for XXXX, XXXX and then a couple fees minus whatever it had got at auction, estimated to be {$540.00}. In XXXX XXXX I receive a letter in the mail from a collection agency saying that I owe NOT ONLY the XXXX that the storage came out to be but also {$160.00} additionally for them to collect this fee from me. That is extortion, charging me extra money on top of my actual debt or else reporting it to my credit. I NEVER EVEN RECEIVED A BILL FROM XXXX! Never! And not only did I not receive a bill but also the letter from the collection agency came within a couple weeks of my unit 's auction! So immediately I contacted XXXX via their " contact us '' web page. I have been back and forth with XXXX trying to sort this out since then and finally now XXXX XXXX, a manager from XXXX XXXX said he can sort it out for me and get my bill to be XXXX dollars as it should be. So today I call XXXX XXXX from the collection agency as XXXX XXXX told me to and the agency will not put me in contact with her. They wont let me talk to explain the situation. They are extremely rude and threatening. They tried to demand my phone number and other information and of course they wont just let me pay the XXXX as I owe. Hopefully XXXX XXXX can at least sort out the payment for me, but either way a complaint needs to be filed on these guys.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XX/XX/2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NV).
Issue: Fraud or scam

Complaint: i get an automatic deposit from job XXXX, this money was deposited to the rushcard. These funds are being held by rushcard. THEY BASICALLY HAVE TAKEN MY PAYCHECK!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (ME).
Issue: Struggling to pay mortgage

Complaint: Letters have been sent to EverBanks attorney 's XXXX XXXX XXXX of XXXX XXXX, Maine. First letter was mailed onXX/XX/XXXX. Then on XX/XX/XXXX a follow up letter was faxed. No response from them. OnXX/XX/XXXX a letter was mailed to  EverBank ( Attn Client Services ) informing them that their attorney 's had failed to get back to XXXX XXXX. OnXX/XX/XXXX XXXX XXXX spoke to a client rep. from EverBank who denied that the Bank was aware that these letters existed. XXXX XXXX on XX/XX/XXXX faxed all five pages to EverBank. A confirmation letter came in the mailXX/XX/XXXX dated XX/XX/XXXX confirming that they had received the XX/XX/XXXX letter, proving that they had lied to XXXX XXXX. In the XX/XX/XXXX letter XXXX XXXX gave EverBank a deadline of XX/XX/XXXX to respond to his letters. EverBank has not responded back in the thirty day period which it was given which puts it in violation of Federal law. They do n't even get his name correct when they do.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I tried paying off this debt several times. I explained That I had lost my job. And then as a last desperate attempt to salvage my life I was moving to Hawaii and I needed an extension on making a payment and they were not willing to work with me so I did not make any for the payments. This was over 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (IN).
Issue: Loan modification,collection,foreclosure

Complaint: According to the date stamp on photos, as well as data on documents sent to me, which were received by me on XXXX XXXX, 2015, on XXXX XXXX, 2015, XXXX XXXX, a home valuation service, working on behalf of Chase, submitted to Chase falsified documents, stating that my home is vacant. It is my belief that Chase intends to use these documents to speed up the process leading to foreclosure. My home is certainly not vacant, and any XXXX of my neighbors, friends, and relatives are willing to testify to that fact. I respectfully request an independent investigation into Chase and their activities in this regard.

Company response to consumer: Closed with explanation