milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I became become totally and permanently XXXX shortly after I graduated from the art XXXX of tampa. I wanted to stop before I graduated because of my illness but the school assured me it would be fine. So I continued and was given extra time for my assignments and was able to miss classes. Both of which are not something an employer would tolerate. So my Federal loans, also taken out with XXXX XXXX were XXXX in XXXX, due to my ruling of TPD, but my XXXX private loans held now by Navient defaulted and are in collections with XXXX XXXX systems on behalf of Navient XXXX. I have been unable to get any information on any discharge options from Navient XXXX. This process has and continues to cause me a great deal of stress and anxiety due to the size of my debt and my cognitive issues related to my XXXX. The stress worsens my condition and has caused my condition to worsen as a result. I am continually told I have no recourse for these loans and I will XXXX with this debt. I am XXXX XXXX XXXX and I do not feel a company should be able to treat someone like this for something they have absolutely no control over. Navient offers no solutions for borrowers in my situation. I want nothing more than to not to be sick and to be able to work and follow my dreams so that I can pay off my loans. This is in no way fun for me or something I even want to do. There is a lot of shame associated with this for me, and both companies have blamed me for this. So when I have to deal with these companies which is hard for me as I am not cognitively with it at all times, they tend to speak very fast I miss things and they get angry over the phone with me. This is a horrible situation in which I have no control over anything. The companies are blaming me and taking money from a person who has none.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I was released from Chapter XXXX Bankruptcy on XXXX XXXX, 2016. Nationstar Mortgage Bankruptcy Dept. refuses to release two loans I have from their Dept. and start sending me statements. I have not received a statement in 5 years. I have called them 5 times, every time they say they will take care of it and here we are 5 months later nothing has happened. I have not received end of year interest statements either which I need for my income taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: in 2006 my wife had XXXX and the final bill was XXXX dollars which insurance paid XXXX and I paid XXXX, some how a small bill for XXXX was overlooked and sent to XXXX XXXX in XXXX XXXX, SD which I paid right away and XXXX XXXX said they would recall the debt, well it never happened and 10 years later it is still showing as a paid collection account effecting my credit score and interest rates when I am applying for loans, each financial institution mentions it every time and that it effects my score by XXXX points, I have gone to long lengths with XXXX and XXXX to get this removed and they XXXX play the dumb role and say there is nothing they can do, believe me it is driving me crazy, I need this removed from Transunion XXXX, I have never miss a payment and I am proud of it, can you please help me out. I am sick of having these businesses push the consumer around and not correct a simple mistake like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Consumer Loan (Installment loan) with 1st Franklin Financial Corporation (SC).
Issue: Managing the loan or lease

Complaint: Amounts paid on account were not properly posted to account to allow for the interest to be applied to the correct balance. Therefore I was overcharged interest.

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 08/14/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I have been banking for several years with Regions Bank XXXX XXXX XXXX FL XXXX. 
They have an unfair practice of deleting the largest withdrawal first from our account and then the smaller ones. So If you have XXXX large and XXXX small ones what happens if our funds are border line the larger one will be cleared and most of the smaller ones will not be cleared and then we are charged {$36.00} per t transaction!! If the smaller ones are cleared first there is a good chance that there may only XXXX {$36.00} NSF rather than XXXX. This has put a serious burden on us. 
We do live from paycheck to paycheck and try very hard to have sufficient funds available but with this unfair practice they are ripping their customers How many banks follow this practice and is it legal? 
off big time. This has gone on for several years and we are tired of it. How

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 11/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended the University of XXXX from XX/XX/XXXX-XX/XX/XXXX for my undergraduate degree. XXXX loan of my was private through XXXX XXXX, now Navient. When I completed my XXXX degree XX/XX/XXXX to a terrible economy I was allowed a forbearance and then a reduced payment. I was unable to find a full time job for 6 years. In the 3rd year I started working as a XXXX. I was making XXXX dollars XXXX. I had to XXXX to pay this loan each month, but I did it to keep it in good standing. I 've been working full time now, underemployed, for just over a year, and I declared bankruptcy to get rid of old personal debt. Clearly, I 'm struggling. As soon as Navient took me out of " bankruptcy forbearance '' they more than doubled the expected monthly payment. I called several times to ask for help. They took a " financial statement '' from me twice, each time they counted my income differently. XXXX stated I had XXXX dollars a month available cash to pay the loan and another stated I had XXXX. Neither are true. I am scraping by and unable to put anything in savings at all. I offered to pay what I was paying before the bankruptcy, and they refused. I pleaded with them, and I was told that they had done enough for me and now there was nothing more they were going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXXXXXX XXXX XXXX XXXX XXXX mentioned accounts.

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 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
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 pulled a credit report on XX/XX/XXXX and noticed that Capital One is reporting late payments for XX/XX/XXXX-XX/XX/XXXX despite the fact that I was making my payments as agreed during these months and I was actually a part of a special program they offered at this time to get my account back in good standing. I  made all payments as agreed during this time. In XX/XX/XXXX I received an email thanking me for bringing my account up to date.I disputed these late payments with capital one on XX/XX/XXXX via their secure chat. Today XX/XX/XXXX I received a letter from Capital One stating that the information they are reporting is accurate and therefore they do not have to update anything with the credit bureaus. However, I have proof that I was making payments during this time. Clearly, I am not alledging never in my history making a late payment to capital one because clearly I have, but I do not want things reported incorrectly when I was making an effort to correct my past wrongs.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has not removed fraudulent information on my credit report, even though it has been reported over 60 days ago. 
XXXX ( XXXX XXXX is not the problem ) sent the first request to delete the information on XXXX XXXX, the AUD control number was XXXX. 
XXXX XXXX sent the SECOND request on XXXX XXXX, and the AUD control number was XXXX. 

I am unable to dispute the process through Equifax 's own website as they still have inaccurate account verification questions, which prevents me from accessing my credit report. Any other method of communicating with them officially is beyond me as I have limited transportation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A delete item reappeared on my credit report. On XXXX/XXXX/2017, Equifax deleted the item XXXX XXXX XXXX from my report. After checking my report today, I noticed the item has reappeared. If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they ca n't put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. 

I was notified with the 5 days before they reinstated the item.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit card () with WELLS FARGO & COMPANY (KS).
Issue: Closing/Cancelling account

Complaint: Got a message alert that my phone number had been changed that if I had not done to contact them ASAP with their contact number. Logged into my account my phone number was still the same but noticed my account had been closed and another one opened so I contacted them at the number provided and they could not help me with the new account gave me another number I 'd have to call M-F. They did check my phone number and said it had not been changed. This being WELLS FARGO at their best again switching accounts on you possibly and no notice to the customer as to what is going on. They need to be stopped from this kind of activity. Will try to call the other number this week

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 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RentDebt Automated Collections, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has reported to the bureau an account that does not belong to me. According to the Credit bureau who is reporting this claim failed to make sure that the company completely validated this this is not mine. The account Number is XXXX. 100 % POSITIVE THE ACCOUNT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with Century Finance, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company is reporting three separate accounts that are attached to my SSN to the credit bureaus XXXX XXXX and XXXX. The three accounts total to the amount of {$1700.00}. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NC).
Issue: Taking out the loan or lease

Complaint: Purchased a truck from XXXX XXXX in XXXX NC on XXXX. I awaited payoff of another car for 3 weeks, and continued to make payments to that vehicle so not to damage my credit. Only after many contact attempts I spoke to the fiance manager whom had the payoff sent. I waited for the registration for the transfer of tags for almost a month, and made another series of calls till i was able to speak to the manager again, on that day according to the registration they completed the paperwork to transfer the plate. It has also come to my attention that the title work was either done wrong, or not at all. This is a clear violation of XXXX. Perfection by indication of security interest on certificate of title.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on XXXX XXXX XXXX i filed a complaint file number XXXX XXXX regarding my account at XXXX XXXX XXXX XXXX to correct my paided account to transunion.. they did do that and also agreeded to honor customers request to have it removed from all three credit reporting agencies.. all have except transunion as of this date XXXX XXXX XXXX. i have sent them. transunion the attached letter from the cfpb response from them stating they would request removal of this account in which they sent me a letter stating they had recieved that info .... i have also faxed transunion a letter from XXXX XXXX XXXX stating that they have requested deletion of this account from my report// have called XXXX XXXX XXXX and they tolded me they have requested removal of that account NUMBER XXXX XXXX XXXX..and have asked transunion twice to delete.. in which they have not .. also account number XXXX ... .XXXX XXXX XXXX acct number XXXX was paided in full XXXX XXXX XXXX for XXXX it has been updated to paided in full .. but not deleted per request of XXXX XXXX XXXX for deletion per request of them to transunion. i have talked to them several times via phone also and they stated they have requested deletion by transunion..in which transunion has not done so..by looking that complaint you can see that they stated to that fact of deletion

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: i have sent trans union numerous of disputes about an inquiry XXXX XXXX XXXX XX/XX/2017 and after all these letters I have sent they have still refused to removed the inaccurate inquiry off my credit report. Trans union has continue to violate fcra and I want to seek damages and cost for that violations. I ask that your company file complaint and seek to mitigate my damages ... I want trans union to send me copies of said inquiry with my signature and authorization and if they can not please remove it from 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 09/22/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: requested back up for debt commonwealth stating that I owe. ( my original letter attached ) this is the 2nd complaint I have filed and no results from company they sent a 1 page letter ( attached ) there is NO Back up Here is the response they sent thru your website and now it was closed out. 
I WILLNOT CALL TO DISCUSS INFORMATION WITH COMPANY I WANT DETAILED BACK UP TO SHOW DETAILED INFORMATION ON THIS DEBT all you get is the run around responded Status Company responded on X/X/2017Response TypeClosed with explanation Company 's Response RE # XXXX {$180.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX, Please be advised there is no documentation on the above account that the attached letter was received. Commonwealth Financial Systems will send XXXX validation of debt. Collection activity will cease while the account undergoes investigation and in addition our agency will send a deletion request to the three major credit reporting agencies. XXXX can contact our office should she have any questions by calling our toll free number XXXX ext XXXX. This extension will put her directly with our collection manager, XXXX XXXX XXXX. She can send any correspondence that may prove that she is not responsible for this debt to our office by mail XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax { XXXX } XXXX, or email XXXXXXXXXXXX. Please do not hesitate to contact my office for further assistance. Thank You. Sincerely, XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Shopping for a loan or lease

Complaint: I had a XXXX dealership in XXXX Arizona run my credit and issue a auto loan to my cousin without my consent. They ran my credit in XXXX/XXXX/2015 and I never signed any consent for them to do so. I did not find out until XXXX XXXX sent me a letter stating that I had a new auto loan with them. As a result of XXXX XXXX running my credit without my consent Compass Bank Indirect also ran my credit without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Debt collection (Medical debt) with USCB, INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX XXXX, I received a collection account entry on my credit report from USCB America, regarding a debt. I contacted the company to inquire and request written communication and a chance to dispute the debt. I did not receive any written communication or phone calls or a chance to dispute debt before it was entered on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I called transition and XXXX to take off hard inquiry 's off my report from XXXX XXXX 2016 I went for XXXX car loan now I have XXXX inquiries on my credit report I gave no authorization for this and I want them off of my credit 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 03/28/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Making/receiving payments, sending money

Complaint: I been selling on eBay since XXXX and eBay using PayPal as a merchant and my business is selling phones and electronic. 
in XX/XX/XXXX my business picked up and I start sending invoices directly through PayPal and get paid also I still maintain eBay business. 
I never never had a charge back or a bad review my accounts in Ebay and Paypal XXXX % In XXXX representative from PayPal called me and asked me several questions where I buy my product from how I know my buyerwhen do I ship the merchandise to the customer I also am XXXX % all the questions he he ask and then he said thank you and the same time my customers start calling me telling me Paypal Custmer Service calling them and asking if they receive the merchandise my customer call them yes they receive the merchandise and everything is perfect after two days in the middle of XXXX they send me an email telling me they place a reserve account of {$80000.00} in my account I call them I told them why they said I 'm a high-risk customer I told him I never have had a chargeback I do n't have anything wrong with my business they said they still have to protect the business I do n't know for how long they said for three months i 've been calling since and explaining to them I can not find in my business like that by now they up to {$60000.00} I do n't have the capital to run my business my business and will go broke like that they even check my credit score and I ask them who give you the right to do that they told me it 's in the policy I understand if I have a chargeback understand if there is something going on with my account I have a lot of return merchandise I have a lot a problem but I do n't have any problem with my account in eBay or PayPal and I called PayPal they told me that the eBay that 's a company runs himself by them self we can not do anything about that that 's not fair I think I 'm going to lose my business my credit card it 's empty I can not borrow more money and the funny thing is they holding all the money even eBay fees I paying eBay fees for my own pocket but we taking the on money the processing money they taken it from the the money they holding I 'm a very small business can not hire a lawyer but on the same time I know that 's not legal They can call every customer and the Ask of the receive the merchandise but they refuse to do that I do n't know really what to do

Company response to consumer: Closed with non-monetary relief