milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My problems with Sallie Mae began back in the XX/XX/XXXX 's and culminated with their having XXXX mercy while my daughter was going through treatment for XXXX from XX/XX/XXXX until her death in XX/XX/XXXX. While she was on a ventilator ( XX/XX/XXXX-XXXX ) awaiting a XXXX transplant, Sallie Mae refused to work with me and I was forced to defer then request a forbearance for my student loans. After she passed away ( XXXX ) I even offered to send them a copy of her medical bills, death certificate and invoice for her funeral. They told me, " You could send them, but it wo n't make any difference. You 'll have to pay what is in arrears or request a deferment ''. My only daughter had just died, she had just turned XXXX, and all Sallie Mae cared about was their money. They made me feel worthless, alone and helpless. I began with {$26000.00} in federally backed student loans and I now owe {$54000.00} to the legal loan-shark known as XXXX ( formerly Sallie-Mae ). Not only that, but when I consolidated my student loans the interest rate was XXXX % and I can not refinance with XXXX to obtain a lower rate. On top of all this these student loans were obtained so I could attend the worst private college known to mankind ( XXXX University in XXXX ). When I went to XXXX in XX/XX/XXXX they were teaching decades old technology that was nowhere close to cutting edge. XXXX fleeced me, lied about their technology and helped ruin me financially over the years. I 'd like to thank the Federal Government for limiting my student loan interest deductions at {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: I was sent an unsolicited credit or debit card from a company called " netSpend '', along with a direct deposit form " to give to my employer ''. The information in the letter I received contained active account numbers that were pre-generated " for me ''. I 've never contacted this company. I 've never filled out any forms requesting anything like this. I 'm not part of any program or institution that was acting on my behalf. This company just created accounts in my name without my permission and sent me the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (CA).
Issue: Managing the loan or lease

Complaint: I applied for an extension on   XXXX   XXXX  . The company emailed me back and stated they received paperwork. They kept calling me every day up to 5 times a day until I picked up on   XXXX   XXXX  . They stated they needed my payment in order to avoid repossession. I told them I had sent in paperwork for an extension, the agent stated they never received anything and asked me to send again. So, I did. Payment rolls around and I am unable to make a payment over the phone or the website. At this point, they have refused to accept my forms of payment unless I make it through   XXXX   XXXX   which does not exist in  XXXX , CA and they will not take payment over the web. They called for 18 days when they were not supposed to and now I am the irresponsible client because I refuse to go out of my way to make a payment. I also have all these late fees that I have been paying and when I ask them where my money is going they do not have a straight answer. My payment is  XXXX  and I pay  XXXX  which covers my late fee, but for some reason, I have unpaid late fees. This does n't make any sense to me. I asked them to have a VP or are a manager c all back and I keep getting calls from the agents who say I can speak to their supervisor. They have refused to get me in contact with someone higher up in the company and I even got into an argument with an agent today  XX/XX/2017    at   XXXX   XXXX  .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 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: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX Account Number XXXX account was never late XXXX, XXXX, XXXX or XXXX days or beyond.

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 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inquires were removed off of my Credit report and then reinserted without notice or reasoning which is against FRCA 611 Listing all inquiry name and dates XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX/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 02/20/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (AL).
Issue: Struggling to pay mortgage

Complaint: I am writing hoping you can keep a retired man in his home. I have been working with Chase Mortgage to attain a reasonable payment option and get caught up on my mortgage. Yet as my fees continue to stack up, I am being forced to submit the same form over and over. It has been sent to them over a dozen times, and though there are only four lines on the form, it is never acceptable! I have been in this loop of sending over this request for tax returns ( even though they already have copies of my tax returns ) since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  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 non-monetary relief
Consumer complaint received 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have spoken with this collector and explain the situation and I am making payments. They are calling more than 10 times a day never leave a message and do this eveyday. Some days less some days more. I understand I owe money but as explained to the company I am making payments as I have money. The calls are really an harassment at this point. I could not download my call list for you but I can provide the information if needed

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 11/25/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MO).
Issue: Making/receiving payments, sending money

Complaint: Today I had a fraudulent charge on my PayPal account. As soon as I got the email from Paypal stating that a transaction was pending, and I knew it was a transaction that I did not charge, I looked at my account on my mobile phone, looked up the phone number for PayPal, and got the run around with their messaging prompts. None of which had anything to do with reporting a fradulent charge. I then logged into my paypal account on my computer and I got a screen saying that someone has logged into my account using a device that was n't mine and was from a different country. All they asked me to do was change my password. They never asked if I should review any recent transactions made. I never received any communication about this device being logged into my account. 
I then read the directions of how to dispute a fraudulent charge which told me to do that in the resolution center. After going to the resolution center, it would n't let me dispute the charge. I then went to send an email through the contact page about the fraudulent charge but it would n't let me send - my email was too long to send but it never said that, it just said something was wrong. I ended up calling my bank and putting a stop on my account for this charge - costing me {$33.00}. I went back to send an email with a XXXX sentence statement to paypal ( even though they say to make it as detailed as possible ) and it went through ( from the contact page ). 
It took me XXXX to dispute the charges through Paypal. It took me 5 minutes to call my bank and put a stop on the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Student loan (Non-federal student loan) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Firstmark Services has incorrect information about my account on their website, including incorrect amount of accrued interest and incorrect monthly payment amount. The website says that I should be paying them $ 4000+ a month, when my monthly payment should actually be around {$500.00}. 
I contacted customer service to understand what is going on, and they were very unhelpful and just said that the website is n't working. 

This seems problematic because I assume the website would accurately display basic information like loan amounts. But it is n't. And this makes me think I need to go back and check every single number on there. Which is a hugely time-consuming prospect. Also, if my information is correct, that means may other customers ' information could be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Sale of account

Complaint: i have told the credit bureaus many times this account is n't mines a provide proof that i took this money the account was originally reported in XXXX but now they updated it and it says XXXX this account should not be XXXX my report and removed now.they even did a civil judgement which i was n't aware of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I feel like I was discriminated by TD bank in XXXX XXXX NJ on XXXX. First of all I was told that I will pay no servicing fee for holding my account at TD bank as long as I hold a minimum of {$100.00} balance. I contacted TD bank and told them that it 's not fair that I have been paying approximately {$15.00} per month when in fact I had the minimum balance required. They told me they could only refund one month of servicing fees and that it is my problem, and they do n't have to pay me back. They also told me that I will not have to pay any servicing fees for my saving account which I have been paying about {$4.00} per month for a couple of years. I applied for a personal loan at TD bank a couple of weeks ago and I feel I was discriminated by the bank due to my national origin which is XXXX and due to my XXXX faith. I have a heavy XXXX accent, and I felt like I was mistreated. I was declined for a unsecured personal loan for the amount of {$10000.00}. However I contacted XXXX personal loan a couple of weeks later and I was approved for a {$10000.00} unsecured personal loan. 
I know that the bank has taken advantage of my situation by not crediting any of the fees and declining a loan that I should have been approved for because other lender would probably approve the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is listing a judgment on my report. I contacted the XXXX XXXX courthouse and they stated the judgment was entered but never actually filed. I 've disputed this listing 3 times and Equifax keeps saying they verified it. XXXX and XXXX both deleted the judgment because they could n't verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contaced Equifax in the past regarding XXXX accounts listed with XXXX XXXX. The XXXX accounts were reporting inaccurate information, so XXXX XXXX opted to delete the tradelines. The XXXX other credit breaus have deleted the XXXX trade lines how ever equinox will not. XXXX XXXX account # XXXX - and account number XXXX. The accounts were reporting incorrectly and XXXX XXXX agreeded to delete the XXXX tradlines. I have enclosed a copy of the letter from XXXX XXXX as proof to delete the trade lines.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
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 contacted  Trans Union about  a collection accoun t that was placed on my account in violation of FCRA Section 623. I contested the amount ( s ) owed to the origin al debtor (  XXXX   ). A s a result,  XXXX  admitted on more than  one o ccasion that the amount sought was the direct result of  XXXX  's ongoing practice of allowing ANYONE to make changes to accounts and actions such as allowin g ANYONE enter into lease agreements on cell phone accounts without proof of authorization or account-ho lder signature. The charge is the result of a " lease cancellation fee '' for a lease I NEVER ENTERED INTO nor signed in agreement. I requested proof of the lease agreement to support the charges and  XXXX  acknowledged it had no executed lease ( and even attempted to get me to sig n one a fter-the-fact ).  XXXX  agreement to cease collections of the amount but the collections agent (  XXXX  d/b/a  XXXX   XXXX   ) placed an entry on my account despite knowledge of the ongoing dispute and failure to provide proof to substa ntiate the debt. The negative information should NOT have been allowed on 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 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Alliance One contacted me about a fraudulent and fabricated debt that was 15-years-old. The matter was fully adjudicated in 2003. Alliance One is fraudulently attempting to collect a debt that should have never existed to begin with because the original matter was fabricated. It was in fact fully paid as documented with legal court receipts, and as a result the matter was fully dismissed, discharged and closed through court-ordered adjudication. They have currently suspended my license illegally. Now I have suffered loss of income, traffic tickets, and even XXXX. 
Even worse, even if the fraudulent debt were valid, the debt is time-barred, through the statute-of-limitations. Further still, the Alliance One representative repeatedly lied about where they were located, what their first and last name was, and even the telephone number from where they were calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 have been disputing items on my credit report that is old debt. that I have no idea of and is not my debt, I would like the credit agency to delete these items. they are being bought and sold by credit collection companies, And hurting my credit status. I have been disputing these items since last year XX/XX/XXXX, XX/XX/XXXX, and present. These credit agencies are unethical and are in full support of the collection agencies.

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  is reporting on my credit report for  XXXX   XXXX   (  a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted  XXXX  and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid  License, Bond, and Certificate of Authority in the state of  Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (VA mortgage) with Ditech Financial LLC (NJ).
Issue: Incorrect information on your report

Complaint: I am currently paying a mortgage with Ditech Financial LLC. There are four missing payments on my credit report that I have made on time. XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX. I also have 9 missed payments reported on my account which is impeding the growth of my credit score. I understand how gravely important it is to make payments on time and have displayed that over the past year in which I have not missed any payments and was hoping for forgiveness on some mistakes I made in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was subject to a security breach from XXXX through XXXX this year, in which hackers were able to access people 's SSNs, birthdates, addresses, and other personal information, including mine. Equifax did not notify the public until XXXX. Upon publicly announcing the breach, they set up a website that they claimed would tell consumers if their information had been accessed or not ; when I tried to use the site, I was given no clear yes or no answer, but instead given a date for which I would be eligible to enroll in Equifax 's TrustedID program ( which I did not want to enroll in, nor did I agree to enroll in ). It was later pointed out that the website 's FAQ appeared to state that by using the site, consumers waived their right to sue. Equifax did not clarify that this was not what they meant until after it was pointed out that this was not legal.

Company response to consumer: Closed with explanation