milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 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: On XXXX XXXX, 2017 I made my monthly payment online. On XXXX XXXX, 2017 I called Navient Customer Service to pay off one of my three loans. I explained that I wanted to pay one of the loans in full and I am calling because I can not figure out how to pay it off online. She gave me the balance of my smallest loan {$320.00}, I said yes that is the one I want to pay off. I processed the payment out of my bank account. She gave me a confirmation number and told me congratulations on paying off the loan. In XXXX I logged on to pay my monthly payment. Only the two remaining loans were showing. Both loans said {$0.00} amount due. I did not make a payment. On XXXX XXXX, 2017 I logged on to pay my monthly payment. It now shows three loans again. I pulled my bank statement to confirm the payment of {$320.00} was deducted from my bank and it was. The payment history on Navient 's website shows the payment however it is applied to one of the larger loans and still says I owe for the smaller loan. On XXXX XXXX, 2017 I called Navient Customer Service and the agent said because it is a consolidated loan that the payment was applied to both loans. I explained that I indicated to the agent on XXXX XXXX that I wanted the payment allocated to the smallest loan. She said the agent on XXXX XXXX applied the payment correctly however a system error caused the problem. She assured me that she would reapply the payment to pay off the loan in full. She said there was a past due balance from XXXX. I wanted to know why, if they had applied the additional payment to both consolidated loans there would not have been a past due balance. I made a payment with her to become current. I asked to talk to a supervisor. The supervisor apologized if the agent gave me any incorrect information. She said there was not a system error and again assured me that the loan was paid off and I was current but could not explain why the loan was not paid off on XXXX XXXX. She transferred me to a Senior Supervisor who said that only a Supervisor could approve a loan payoff and the Customer Service agent did not get the approval from a Supervisor on XXXX XXXX. The Senior Supervisor could not tell me why the agent could not get the approval from the Supervisor. Navient never notified me that the loan pay off was not approved. Nor did they notify me that they were going to apply that payment to the two consolidated loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint: We have been reviewing our Bank of America convenience check we used.  We have attached at a copy of the offer we received before using the Bank of America convenience check.We chose offer XXXX for a 0% ( 0% daily periodic rate (DPR) promotional APR until XXXX 2018.)We are being charged interest for over a year and not 0%.  Why?  It is just now XXXX 2018. This pertains to the account ending in -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 12/13/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I started to file bankrupcy but decided not to so i never went to court and it was dismissed. I looked up each credit agency and followed the steps to dispute it several times, but never got to the submit! I have tried for a couple of months now. if the bankrupcy was dismissed it should not show that i went to it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was recently summons to court by a company called Wakefield and Associates Inc. XXXX XXXX XXXX XXXX. XXXX no XXXX. I asked for a continuance to hire an attorney because they are violating the fair credit reporting act law and I have legal right to counter sue. I do not owe Wakefield and Associates. I have not received any communication by phone by wake field and associates other than a court official saying I have to go to court for them. I also like to make note that I have been a victim of fraud which is why this is necessary. I also like to make note I have filed Bankruptcy in XXXX and all medical bills were included. And was informed all debt collection activity must cease.

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 01/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with First Data Corporation (OR).
Issue: Other transaction problem

Complaint: I owned a XXXX XXXX XXXX XXXX. The name was XXXX XXXX XXXX, dba XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX facilitated my credit card processing. When I first started with the company in XX/XX/XXXX the bank that XXXX XXXX XXXX used to process credit cards was First Data. 

In XX/XX/XXXX they switched the bank to XXXX XXXX for processing. I worked with their representative and had to sign a document to cancel merchant services with First Data effective XX/XX/XXXX. However due to a mistake that XXXX XXXX XXXX made despite the signed cancellation agreement I continued to be charged bank fees by First Data for 15 months thinking the entire time those fees were from XXXX XXXX. I finally discovered the problem after I had sold my store on XX/XX/XXXX and noticed that my account continue to be charged a fee when I had canceled all merchant services as of that date. 

I immediately contacted XXXX XXXX XXXX. They admitted it was their mistake and something did n't get processed correctly in the paperwork. The general manager XXXX XXXX even told me over the phone that the old merchant number would be listed on my bank statement with the withdrawal and I should have known it was from First Data. After contacting the bank and reviewing all statements this was not the case. There was nothing to identify the withdrawals as coming from First Data. XXXX XXXX XXXX only agreed to reimburse me for 6 months which came to {$390.00}. I am still owed {$480.00} which they refuse to pay me.

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 06/28/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (IN).
Issue: Trouble during payment process

Complaint: Plan o f Reorganization ( the " Agreement '' ) was approved by United States Bankruptcy Court e ffecti vely  XX/XX/XXXX . I am now on my  XXXX  servicer effective XX/XX/XXXX . The first  XXXX  servicers, PHH and  XXXX , respectively refused to acknowledge or   abide by the  Agreement as set  forth. The have returned payments, refused payments, sent inaccurate year end reporting and escrow accounts in spite of persistent emails, phone calls and direct mail correspondence outlining specifically the agreement.   XXXX  I have been unable to sell the property because they have refused to give me a payoff amount.   XXXX  I cant afford my Bankruptcy attorney to pursue this. I have included a lot of correspondence that will back up my claim

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My husband and I signed up to be mystery shoppers. We deposited two separate checks in the amounr of $XXXX each.  The bank released the checks and funds.  This was however a scam and gift cards were purchased and redeemed by the scammer.  We are asking that USAA our bank for over 20 years to be held accountable for releasing these funds from XXXX XXXX in the form of a cashiers check.  They are not protecting us, the consumer.  The scam has been reported to local authorities and the FTC so they are managing the scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Payday loan) with Glass Mountain Capital, LLC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: All these people care about is getting that {$400.00}!!!!!!!!! What I told them is irrelavant!!!!!! My spouse and I are struggling as it is with things!!!!! We do not need anymore XXXX added onto what we have going on!!!!! And I ai n't responsible for a XXXX THING!!!!! These people gave this account to a XXXX collection agency!!!!!! We 're sick of this XXXX!!!!! For real!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Credit card) with Alliance Data Card Services (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Comenity Bank has obtained phone numbers of individuals who have nothing to do with the debt in question. An individual named XXXX contacted my son and specifically stated the call was in relation to an attempt to collect a debt. My son is not listed on this debt nor is he responsible for this debt. She also contacted an individual named XXXX XXXX, who has no relationship to me and no need to be contacted in any way. How both of these numbers were obtained is unknown to me. The number she called from is XXXX extensionXXXX. I attempted to find out how thes numbers were obtained with no success. When asked if there was a XXXX XXXX, they responded they had no knowledge of anyone by that name. When asked for the full name of the person I was talking to, he refused saying only his name is XXXX. Nor would he provide a direct number. 

I am well aware of this debt and have made small payments towards it upon getting a job after a period of unemployment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (WI).
Issue: Struggling to pay mortgage

Complaint: Hello. My name is XXXX. I have been trying to get a hold of Flagstar Bank since XX/XX/XXXX. They wanted Uniform Borrower Assistance forms. They received this through a fax XX/XX/XXXX. They said they received them.I have been trying to get a hold of this bank since then. I found out at that time that XXXX XXXX was the point person to get in contact with. She called three times and I called ten times trying to contact her. 

I mailed current lease agreement, 90 days bank statement with rental deposit, XX/XX/XXXX XX/XX/XXXX tax pages all, XXXX signature and date ( their form ) and hardship letter. I paid {$26.00} for next day delivery. They said they never received it. XXXX XXXX XXXX signed for it. OK they never received it. OK. Then I faxed it twice. They never received it. Why did my XXXX XXXX get the pages they asked for the day before and mind you XXXX XXXX had to give me part of my XXXX XXXX. XXXX XXXX got their faxed paper work the same day. XXXX XXXX  has nothing to do with XXXX. The only point I want to make is that I faxed at the same place, the same number and they, XXXX XXXX received all the pages they needed. Yet Flagstar did n't. Sounds fishy. 

I spoke to five people at Flagstar. All of them claimed the same thing. I needed all those documents just mentioned previously. All I want is my mortgage payment to be reduced. My mortgage is {$1200.00} and my renters pay between {$940.00} and {$960.00} a month. All I want is to break even. That 's not happening. I have been unemployed since XX/XX/XXXX. I have been looking for jobs. I 'll keep looking.

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 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau 's failure to provide me with information to prove that this is my account they have stated that they will no longer investigate my claims. I am requesting proof or remove the in accurate information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Payday loan) with Direct Capital (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I think the debt is too old. It occured in 2011.The payday loan was XXXX XXXX Armands XXXX XXXX I do n't recall if I pay them. They sold this debt to a collection agency called Direct Capital Associates.XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 
They call me numerous times a day. They called relatives I did not give permission for them to call. My mother, brother and sister-in law. They threatened me to my family telling them I am going to court and going to prison. This has caused me so many problems and I have XXXX. I am so upset and ca n't handle this. 

Please do yourself a favor and learn from me. Please do not take out payday loans. They are expensive and the companies will torment you, by calling continuously, even before it is time to pay. I truly believe they should be outlawed. I know people need money. Please try to learn strategies on managing money. This has been a big lesson for me. I do n't care if I have to do with out food, I would never do this again. This was in 2011 and I thought I paid them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau Incorporated (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not owe the amount that this company is trying to collect from me. I get government assistance for my child care and I have submitted receipts to the owner of the facility and now since no response or contact from her in over XXXX months it was sent to collections in XX/XX/XXXX. I have disputed this debt from day one of me being notified via mail and nothing has been done to correct my credit report or the amount being collected. I have reciepts from the state along with invoices from the provider and my year end statement from the provider that proves I do not owe XXXX that is trying to be collected from me. Every time I try and get a status on this debt an employee named XXXX has refused to provide me with any information on the account and says that I still need to submit proof which I have done. XXXX is the only one that has refused to provide me any information on my case and when I get a " supervisor '' on the line they promise to ask for itemized statements and get back to me which it is now almost XX/XX/XXXX and no update and the promise for itemized statements still is being said but nothing has been sent to me in regards to any thing. I really need help dealing with this company because I can not get any information when I try and contact them because of the employee who answers the phone named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My XXXX credit cards issued by capital one was compromised and they replaced all XXXX cards accordingly. However, I am still being made to pay for the fraudulent charges made on the cards all the while they are saying an investigation is taking place there has never been a resolution to the investigation and yet I am still suffering from the overage as well as the restrictions of the card but have not used them. Not to mention its being reported to the XXXX credit agencies. They say I need to still pay and they reimburse but that does not make sense to make me the victim pay for them to reimburse when in fact they have not done anything in regards to this incident. I spoke with several people in the fraud department as well as collections to no avail. Everyone is looking into it but no resolution. Its been under investigation since XXXX and its now XXXX and nothing has changed except new cards with the same fraudulent balance transferred over to new cards. Please help bring resolution to this very awful ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (ID).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had several companies who have continued to report inaccurately on my report regarding account balances. Each account expect for Kohl 's has submitted a manual update to remedy the situation. Kohl 's credit card services refuses to submit an update and infact was hostile we I made the request. I have an audio recording of this interaction and well as my current balance and credit reports showing contradictory information and they refuse to remedy this inaccuracy. I am unable to submit the audio recording because it is over 20 minutes long making it 19 MB which is over your upload limit. It is ofcourse available on request. My images and screenshots prove that i paid my balance and that Kohl 's did in fact report in XXXX but did so inaccurately. I would like to see my balance updated on my credit report retroactively to reflect when it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Following are the relevant facts : 1. I am a member of Trans Union credit bureau, on a monthly fee basis, so that I can check my credit score and credit report. 
2. Trans Union reports my XXXX XXXX account ( A/C # XXXX ) as delinquent, 30-day late. I consider it incorrect, since my account was paid off in XXXX XXXX and it was closed with a XXXX balance. 
( HOW CAN I BE DELINQUENT ON AN ACCOUNT, WHICH WAS FULLY PAID OFF, WITH A XXXX BALANCE, MORE THAN SIX YEARS AGO AND ON WHICH I OWE NOTHING? ) 3. Trans Union 's reasoning is that they report it 30-day late, delinquent, since the creditor, XXXX XXXX, reports it as such. They claim that they are unable to change the reporting made by the creditor. 
4. XXXX informs me that the account is reported as 30-day late, since it was LATE in XXXX XXXX. They will not take any action on it since it is a closed account and they do not take any action on the closed accounts. 
5. Upon my request, XXXX XXXX has sent me two letters : ( 1 ) One showing the payment history, on my account, closed in XXXX XXXX, showing the " LATE '' payment before the account was closed. 
( 2 ) A letter showing : the dates when the account was opened, XXXX/XXXX/XXXX, when the last payment was made, XXXX/XXXX/XXXX and the current balance, {$0.00}. 
6. Trans Union and XXXX XXXX both understand that I owe nothing to XXXX, after the account was paid off in XXXX XXXX. 
7. My dilemma is that I owe nothing, yet I am reported " delinquent '', for an account that was fully paid off, with a XXXX balance, more than six year ago. Trans Union and XXXX XXXX are both locked in their own bureaucracies and will do nothing about it, while my credit suffers, as being INCORRECTLY reported : " DELINQUENT ''. 

I DEFINITELY NEED HELP, BECAUSE NEITHER ONE OF THESE XXXX BUREAUCRACIES WILL TAKE ANY ACTION, TO DO IT RIGHT BY ME.

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 01-02-2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Credit determination

Complaint: This bank issued me a credit card, to be specific the " apple rewards '' card which is ok but i did n't really realize all i could get back is XXXX rewards. I do n't care for XXXX that much. When i tried to apply for an additional card with this company they told me " well we want to see if you are going to pay the bill on this card etc etc '' that seems a bit discriminatory to me seeing as how they could see my credit report and the fact that everything i have is paid, not late, nowhere near the credit limit and i have been responsible with this one the little bit of time i have had it. A card that gets me cash back i can use for paying the bill or while shopping would better suit me so if anything i would want to open a different account and role the available credit i have from this card onto another card with a higher limit. I do n't mind keeping this card but i think i am deserving of a different card as well with a better limit. XXXX gave me a XXXX limit and i have been just fine with it and very responsible. I plan to purchase my first house in 2 years so i am not messing up my credit. Its nice to have so many cards but i would rather just have XXXX or XXXX with large limits instead of all these XXXX-XXXX limits here and there

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon being denied from a lender for " too many inquires '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any   reason.
1.     XXXX   XXXX    XX/XX/XXXX  and  5/9/15  2.  XXXX   XX/XX/XXXX  3.   XXXX     XX/XX/XXXX  4.  XXXX   XXXX   XX/XX/XXXX  5.  XXXX   XX/XX/XXXX  6.  XXXX    XXXX   /i am currently waiting for the other 2 credit bureaus to respond to my 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