milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2016 about Consumer Loan (Title loan) with Advance America, Cash Advance Centers, Inc. (OH).
Issue: Payment to acct not credited

Complaint: I paid off my title loan with Advance America/XXXX online on XXXX/XXXX/2016. XXXX XXXX debited my bank account for the final payoff amount on XXXX/XXXX/2016. I went to Advance America today, XXXX/XXXX/2016, to retrieve my title and was told that the payoff amount was still being processed, one week after it was paid. I was not given my vehicle title and was told that I had to wait until XXXX authorized the release of it. 

This is not right. This is not fair. My bank account was debited on XXXX/XXXX/2016 for the final payment and there 's absolutely no reason why I can not retrieve my vehicle title on XXXX/XXXX/2016. This is an unfair business practice and XXXX should be penalized as allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I  was never made aware of this debt by the company Commonwealth financial systems incorporated. I was only made aware after they a ppeared on my credit report for a debt that is no longer owed. I contacted my workers comp attorney about this as this bill had been paid by the insurance company for my former employer. I have called and spoke to multiple people with the company. As I write this now I am on the line for a supervisor after speaking to a  XXXX   XXXX  and have spoke to  XXXX   XXXX . I have given  them all the documentation to have this closed and the debt discharged. My attorney has sent the documentation to them several times as well. If this is not cleared up I will be seeking legal action  against them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX I have contacted Experian about several fraudulent accounts being reported on my consumer report Experian failed to block the accounts despite my police report and fraud victim identity theft affidavit. A list of the fraudulent account Experian failed to block is mentioned below, 1 ) XXXX Mortgage 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is a Parent Plus Loan from XXXX XXXX ( now Navient ) of {$14000.00} in 2009 I received while my daughter attended the XXXX XXXX XXXX XXXX - XXXX XXXX. I started making payments on this loan as soon as it was established and I believe my payments were not allocated properly as this loan should have been paid in full by now. The monthly payment amount would continually change but I always paid more than the required amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just found out when I applied for a loan, someone opened up a XXXX phone in my name back in XXXX XXXX they left a balance of {$2400.00}. I am disputing this debt for it is not mine. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had a loan through XXXX ( now Navient ) and they pushed me towards deferment when I could not pay my entire payments. This nearly DOUBLED my actual loan cost post-graduation. I researched income-driven repayments and had to climb MANY hurdles to get there, both online and on the phone with reps.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Loan Info XXXX Direct Loan - Subsidized {$4100.00} Loan Info XXXX Direct Loan - Subsidized {$1200.00} Loan Info XXXX Direct Loan - Unsubsidized {$9700.00} Loan Info XXXX Direct Loan - Unsubsidized {$2300.00} Total outstanding balance {$17000.00} I am requesting that these loans be forgiven in its entirety. From day 1, when I signed up for school I was very clear with my counselor what my intent was. Never, was I advised that this field requires 2-3 years experience just to get your foot in the door. After many years of gaining my own experience I am now a XXXX XXXX and have met many people who do the same work that do not require certification. I am beyond frustrated with almost {$20000.00} in student loans for nothing! I lost my job 2x since I have taken loans and could not afford. When I signed up I thought most of my fees were covered by grants, obviously that was wrong. 

After completing school I contacted so many people from Navient, student loans, so many different companies I have had to deal with only now to be back with Navient. I am not sure who has my loans but I am not educated on what to do if I cant afford so I called you guys, the professionals and never really understood what the heck I was getting into whether I was supposed to apply for forgiveness, repayment, forbearances and even when I guessed getting paperwork was a ridiculous process resulting in a few late payments reported to my credit which is now impacting my goal of buying a home for my children. Your associates are great with redirecting from one company who redirects you back then from one department to the next, then when you finally get a live rep on the phone you need to know a pin or know exactly how you filed your taxes prior years making it IMPOSSIBLE for borrowers. The government should be ashamed with what they are doing to families. I have XXXX XXXX and a XXXX  mom and my life is on hold because of this. Not enough education provided to borrowers or students. I feel that this entire process is a scam for the government to lock folks in. As a result of not knowing what I am doing and getting no help with education I am now almost $ 20K in debt and have no idea how to get out of this. I will also be filing the same complaint with the Department of Education, CFPB and Navient and will continue with the Department of Consumer Protection, Attorney General and/or media if I need to. This is not right to do this to families. I cant go anywhere with this on my credit and feel like my life is doomed!

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Medical) with Carmen V. Porreca, P.C. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this company continues to harass me for a debt i do not owe in 2014 they did XXXX hard clicks on my credit and know they are sending me a collection letter for XXXX for XXXX i do n't owe this never have it was cleared with XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The item XXXX, Account number XXXX classified as an individual, utility company account was opened on XXXX/XXXX/2015 and maintained in good faith to be paid in full, every charge which was relayed to the XXXX residence. The date of delinquency first reported was XXXX. This is the same date as the final payment which was provided immediately upon notification of a delinquency in the amount of {$97.00}. The item XXXX is delinquent because, I changed the address on file from XXXX Address to Second Address to which they failed to send notification of an outstanding balance. We received no correspondence indicating an outstanding balance before it was sent to a collection agency and reported to you. Upon notification from the collection agency of an outstanding balance to our new residence we paid the balance IMMEDIATELY in full, which was to include a late charge. Because of this administrative failure by the XXXX Company my family has a now tarnished perfect credit report history, which is to say we have never missed a payment of any kind. I request an investigation to be performed to include any position which might dispute my claim. I attempted to contact the XXXX management to view my previous account and was told that this function was not possible. I also tried to verify phone transcripts and was told this was also not possible. If no proof can be found which invalidates my claim OR if my since closed account payment transcripts are not available I respectfully request that pursuant under the Annotated Code of Maryland XXXX XXXX, et seq and under Common Law basis XXXX my credit report is updated by the item XXXX being removed from a delinquent position to accurately reflect this truth.

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 12-01-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First I started to get calls from a strange XXXX number I did not recognize. When the caller finally left a message it stated I owed a past debt that has already been settled. This shocked and frustrated me as I had finished a debt consolidation service two years back and was being careful with my current finances. I still have my debt consolidation paperwork and have access to past bank statements. I blocked the company 's number from my phone. I have since gotten a letter in the mail from the same company saying thank you for my " recent payment '' and to pay the current past debt balance. I have not made any payment to these people and I am mad that they even know I own the past account they are trying to collect off of. I get a sense this is fraud. I originally settled this account ( Chase Bank USA ) through XXXX back in 2014. The debt agency settled with XXXX XXXX XXXX XXXX XXXX who was the owner of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed XXXX for a bill that I did n't know that I had. Southwest collection Agency contacted me I called XXXX. I never received a bill from XXXX, once XXXX understood that there was an error and never got the bill they allowed me to pay them. Southwest could call my home phone being nasty, and then my cell ordering me to pay. After I had inform them that I had taken care of this bill with XXXX. I informed Southwest Collection Agency and gave them proof of the conversation with XXXX and that XXXX stated that they would not be listed on my credit report. Southwest refuses to remove themselves from my credit report. I asked nicely and was told " No, we will continue to report and remain on your credit report for seven year. Even after XXXX informed me and I informed them that XXXX stated that they should not be listed on mt credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with STERLING BANCORP (NY).
Issue: Closing on a mortgage

Complaint: Since XXXX XXXX, XXXX i entered into a fully executed contract and signed loan estimate with XXXXXXXX XXXX for a XXXX in XXXX, NY. Nearly 5 months later and i have n't heard a potential closing date. 

This delay has been inexplicable, costly and highly stressful to me, as the buyer, my family, my lawyer and even the seller. I 've made multiple attempts to move this application forward, but obtaining answers from the bank staff is very slow ( usual response is 10+ days ). In the last couple of months, most of my emails and calls to the bank rep have gone unanswered. 

My own research helped me understand the merger with XXXX XXXX XXXX and the transition of its residential mortgage lending, i 'm sure this is at the source of the delays with my loan. This bank 's internal turmoil on its residential mortgage is reflected in the unclear/repetitive document requests and lack of communication among bankers, loan officer, underwriter and bank attorney working with the same loan ( items have been requested more than once, an Addendum to the Contract was requested by underwriter on XXXX/XXXX/XXXX, 3 months after the contract was received, which leads me to believe improper review of my case ) at this point the appraisal expired and a re-certificate fee is being assess. 

My experience, demonstrates that Sterling is far from performing as a top regional bank in New York. My financial situation is more or less the same since i enrolled in the XXXX in XXXX, i demand an immediate resolution on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Settlement process and costs

Complaint: Wells Fargo Mortgage & Wells Fargo Home Equity had bought my XXXX & XXXX mortgages with the purchase of Wachovia in XXXX. The XXXX mortgage was paid ahead 10 months as a result of extra principal payments from XXXX. In going thru a separation with my spouse XXXX Wells Fargo allowed her individually to change the paid ahead " buffer " to a principal reduction which changed the due date from XXXX XXXX, XXXX to XXXX XXXX, XXXX ( backwards & loosing 9 months ). The correction debited the paid ahead balance and credited the interest in an amount over {$40000.00} which the lender failed to correct on the XXXX mortgage interest reporting for that year ( attached ). 7 months later the loan was on the verge of default after my numerous attempts to correct this payment adjustment but was declined numerous times. I attempted a modification with the lender however Wells Fargo entered into a unilateral mortgage agreement with my former spouse only in early XXXX to payoff XXXX existing mortgages affected by the payment misapplication ( attached ). The lender had instructions and even printed my name to be signed on the mortgage documents ( attached ) however accepted my former spouse 's signature only without a divorce decree or quitclaim deed or court order as required by statute & XXXX rules. Wells Fargo then continued to report the loan under my credit bureaus for years thereafter and has as of this day never cancelled the paid off deeds of trust. The lender actually has denied access to loan information numerous times stating I am not a borrower, however continue to claim that I am the borrower and are using my property without consent. Years later in XXXX the lender finally removed credit reporting but in late XXXX it was discovered the lender had failed to cancel the paid off deeds of trust from the XXXX refinance with my former spouse ( only ). The erroneous credit reporting disqualified me for obtaining a mortgage during that time and the unreleased deeds have prevented me from obtaining credit as they continue to show an obligation. The bank has refused to correct numerous times and has violated not only Fair Credit Reporting act but XXXX, Truth in Lending, RESPA, Fair lending, XXXX rules, XXXX XXXX XXXX CFPB rules but have used my credentials and property without permission or court order to allow an individual ( former spouse ) to obtain an artificially low interest rate ( 1 % ) on a government subsidized mortgage while at the same time increasing living expenses and preventing further credit from being obtained ( identity theft ). Wells Fargo has also denied access to closing document information regarding title insurance name and contact.

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 09/16/2016 about Mortgage (VA mortgage) with CORELOGIC INC (TX).
Issue: Application, originator, mortgage broker

Complaint: I am trying to purchase a home for my wife and I and was turned for loan by core logic CREDCO submitting to the lender that I had no credit score. This not true as I have myself contacted all XXXX credit reporting co 's and got my credit scores from them. since I am a total XXXX Veteran, this has caused me a lot of sleepless nights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 currently investigating and building a case against Experian for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from Experian, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
Experian refuses to provide me with proof that the companies below had a permissible purpose to receive my credit file from Experian. XXXX XXXX, this inquiry is showing that it was pulled once in XX/XX/XXXX, twice in XX/XX/XXXX and once in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX. Therefore, the XXXX XXXX, ( four times ), XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX inquiries need to be removed from my credit file from Experian. This is a violation of the FCRA as well as a detriment to my credit score. I believe that I may have been a victim of the XXXX  data breach and am therefore requiring Experian to investigate properly. On XX/XX/XXXX, I was also informed by XXXX XXXX that my personal and financial information was included in 4 data breaches dated all the way back to XXXX. A copy of their letter is attached to this complaint. On XX/XX/XXXX, Experian placed a fraud alert on my credit file without my authorization which is fine, however they still have not provided me with any proof of any permissible purposes. I have since then changed my passwords to various accounts. The FCRA states that the only permissible purpose for pulling someone's credit report is either a firm offer of credit, insurance, employment or a court order. The above inquiries are related to none of these permissible purposes. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.

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 03/31/2017 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Advertising and marketing

Complaint: Hi, I signed up for this account under a promotional offer where if I spent {$140.00} on electronics purchases I would receive a {$75.00} Gift Card to Walmart. I have called them over a dozen times and they have each time verify that I should have received it already and have told me I would receive it soon, just be patient. But it 's been over 4 months now and I still have not received my sign up bonus of the {$75.00} Gift Card. 

My first order and the qualifying order number : 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 monetary relief
Consumer complaint received 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The debt is not mine. I contacted the company on several occasions and was told it would be removed.

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 07/20/2016 about Debt collection (Federal student loan) with EOS Holdings, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never informed that we had a right to dispute. I try to pay a little bit every month but I have informed them multiple times that I must receive a statement every month if they want to be paid. Then when they do n't get paid they start harassing me. I am never sure if they are actually posting the payments to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details GEORGIA FEDERAL COURT-XXXX XXXX XXXX, GA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: These loans from XXXX have been sold to another lender that are also reporting to the CB. These Student loans are also Duplicates : Accounts ending in XXXX, XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX.

Company response to consumer: Closed with explanation