milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For the past 2+ years, I have given Navient specific directive to the penny on how to repay my XXXX individual loans. I have been told that they are doing what I asked, but on 3 separate occasions now, I have found out that they in fact ARE N'T doing anything that I have asked. So each time I am being assigned a new " advocate '' who 's job it is to assure me that they will be the ones to set this straight. So some of the problems. Navient refuses to show you a breakdown monthly of how much interest you are charged. Texas however has consumer protection which require lender to display this info. Navient claims that their yearly display and a formula to calculate it is enough. That is the lessor of my 2 main hangups with Navient. The second is Navient is n't using the loan specific payments which I and my 3 separate advocates have specifically setup for each loan. I have confirmation from senior customer service folks at Navient that for the past 2+ years they are simply applying my loan specific payments HOWEVER NAVIENT SEES FIT. Well I got a new advocate last week to try and fix it for the Nth time and now my account history is missing. At this point the variance is in the XXXX figures and growing daily.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (I do not know) with Drake, Meyers, & Associates (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A rep called my place of employment and threatened to take legal action.

Company response to consumer: Untimely response
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX, Navient and XXXX XXXX XXXX failed many times to offer affordable payment plans even when directly asked to be moved to an affordable plan. Failing to move me to an affordable payment plan resulted in me defaulting on my student loans and being charged additional fees and accrued interest rates. My pay checks and bank accounts were garnished leading to extensive stress and financial hardship as my family depended on my income as I am the sole wage earner/provider. I was advised on several occasions via phone calls with the lenders that I did not qualify for consolidation of my student loans. I found out all of this information was incorrect. I even read the the wording to them over the phone from the legislation and their staff including supervisors, on different occasions, informed me that the legislation requiring affordable plans was a. untrue and b. did not know anything about the program, c. that I did not qualify for said program. Now I am learning I am not the only person with this experience. I wish to have my experience noted on record as well as the growth in my debt owed to the loan originators investigated as to confirm if my debt is infact valid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX THIS ISNT MY ACCOUNT, NOR DID I EVER PURCHASE ANYTHING FROM THIS COMPANY. IT IS BEING REPORTED TWICE ON MY CREDIT REPORT. THIS IS EFFECTING MY CREDIT SCORE I AM IN THE PROCESS OF REBUILDING MY CREDIT, AND THIS IS A NEGATIVE IMPACT ON MY REPORT. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I wish to make a formal complaint about a XXXX XXXX Public Entry on all XXXX credit bureaus. This Judgement described in these Public Record entries has been resolved and satisfied. Date of filing for this judgement was XXXX/XXXX/2011, Reference # XXXX, for XXXX XXXX XXXX XXXX XXXX. 
Despite this judgment being satisfied, it seems to present continual misinterpretation that this judgement is still outstanding and active with a balance. 
I feel this is unfair to my credit standing, and this is my only negative remark of my credit report and does not truly reflect my credit worthiness to date. 
I recently used the services of XXXX Law firm to review my credit worthiness and they seem to indicate that this public record was active with an outstanding balance when in fact the credit bureau reports I obtained personally and direct correspondence from the Law Firm representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : Acct. XXXX, XXXX XXXX XXXX XXXX ), who handled this judgement, indicates that this judgement has been satisfied and case has been closed. I have also enclosed proof of closure in XXXX XXXX XXXX, XXXX XXXX XXXX. 
In light of this information, I feel all XXXX credit bureaus should delete these potentially negative records to avoid further confusion to potential creditors in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We continue to see low scores from the XXXX credit bureau for many years, and especially Experian. Our payments are always made on time, and the rating we have been given continues to hinder our ability to refi our home which has a very high interest rate. The scores are based on debt ratios or credit card balances. The credit bureau are basing low scores on a few credit cards thus not showing an accurate rating considering an abundance of flawless accounts. We had spent many hours some years ago cleaning up inaccurate information and still the scores continue to remain low. We are not sure if taking legal action would help our situation, but life is too short to have credit bureau dictate our ability to get ahead when scores are based on half the information of an individual. I am sure their scoring methods hurt many families and I find it hard to believe that our justice system would allow this to continue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have not been able to log into Transunion or XXXX websites to submit dispute someone else 's delinquent account information on my credit report. It is the XXXX XXXX delinquent account listed on the attached report. It is not mine. I have NEVER had the XXXX XXXX XXXX account listed. I have NEVER lived at the address attached to that account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: I had a checking and savings account with BOA for several years. They closed my savings as I made too many transfers. ( In CM agreement ). Then they began charging me a {$25.00} monthly fee. When I 've complained, many times, they have told me by letter and phone that it was changed as I no longer have a mortgage account. I never had a mortgage account to start with. I requested that the remove the {$25.00} fee from my account permanently. They issued some credits, but refused to remove permanently. I requested that they change my account to a different account without a fee. They refused. The last time, they said they would temporarily hold the fee for three months till I decide what to do. I was due to be charged XXXX 2016 again. On XXXX XXXX, 2016 I called to close the account to avoid the fee. I spoke to a very nice rep. named XXXX. She helped me with closing the account. During the conversation I told her I could not understand why my son had an account with no fee, and my daughter in law had an internet account with no fee, but after 15 years, I had to pay a fee. She was apologetic and said she wished I had mentioned that before she closed the account because she could have changed the account to a " core account '' like my son has. All I had to do was direct deposit {$250.00} per month to avoid a fee. 
I had written through the CFPB before, and spoke and received letters from BOA executive office and NO ONE offered me the core account. NO ONE! This would have been a very easy fix as I already had direct deposit anyway!!! I am so mad that all I received was explanations and copies of my CM agreement, but no one even in the executive office bothered to offer to change my account to the core account. NOW, I would like my account reopened and changed to the " core account. '' I am happy to reset my direct deposit. The ONLY reason I am even willing to want an account with BOA is because both of my sons and a friend also have BOA accounts, and it 's how we transfer money to each other for bills, etc. 1. Please reopen the account as a " core account. '' 2. I would like an apology from EVERYONE who had anything to do with my prior complaints who did n't even BOTHER to see if my account could be changed, when it could have. 3. XXXX, who I spoke with approx. XXXX. PT on XXXX/XXXX/2016, commended for great customer service and some knowledge about the accounts. Maybe she should be in the executive office! Please, email or USPS mail only.

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
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NV).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: XX/XX/XXXX and  XXXX  I earned  XXXX  with shift gig ( an app that schedules jobs at the convention centers for people like me ) I called pay pal around  XX/XX/XXXX  and asked for my account number/routing number for my existing account and she gave it to me ( it ended up being an incorrect acct number.
See Email Attachment but below is what  XXXX  sent to me before he started denying that I called and that paypal gave me an incorrect account number.
incorrect acct number  XXXX  correct account number  XXXX  {$140.00} See attached Email conversation for the details but this is the first letter  XXXX  sent to me..
Dear  XXXX , Thank you for contacting the office of President   XXXX   XXXX  . I am part of the Corporate Response Team and I will be assisting you with your concern.
I understand you have concerns regarding on your Netspend card account.
Although I have been unable to reach you, I wanted to apologize for the wrong information given to you about your deposit. We will address the agent involved. Due to your deposit posting on another account, you will need to contact the originator.
If you have additional questions or concerns, please do not hesitate to contact me at the phone number below.
Thank you,   XXXX   XXXX   Sr. Analyst, Customer Experience Netspend, a  XXXX  Company   XXXX   , TX Office :   XXXX   netspend.com

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 12/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I wrote a check for {XXXX} to my telephone service provider, but the bank paid {XXXX} to that payee when my check was deposited. When I called the bank to complain, I was originally told they were sorry for their mistake and I would get a refund. But, after a week of waiting and two more phone calls, I was told that it was not a bank error because I had written " XXXX and XXXX XXXX hundredth dollars '' in the legal line of my check. Which they concluded meant that I wanted to pay XXXX XXXX XXXX dollars ( {XXXX} ) to the payee, even though I clearly wrote {XXXX} in the 'Pay to the order of ' line on the check. 
The bank is Bank of America, and the payee is XXXX XXXX XXXX of XXXX XXXX XXXX, Florida. Check number XXXX. Case 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 explanation
Consumer complaint received 11-08-2015 about Mortgage (VA mortgage) with NORTHRIM CAPITAL INVESTMENTS CO. (IL).
Issue: Application, originator, mortgage broker

Complaint: Sir/Ma'am, In XX/XX/XXXX 2013, we were living XXXX due to a military change of station. Due to dropping mortgage rates, we decided to refinance our house XXXX. We used a company called Residential MortgageXXXX. The company representative who helped us is named XXXX XXXX, Loan Originator License XXXX. The Title Company was XXXX and the Escrow Officer was XXXX XXXX. She is no longer with the company. The issue is that we did everything across email and conventional mail. We recently discovered that my wife 's name was removed from the Deed of Trust and that part of the XXXX page packet we signed included a Quit Claim Deed. Until one week ago, neither XXXX of us knew what a Quit Claim Deed was. This part of the packet was not explained to us. My sister-in-law, who is a mortgage broker, just explained it to us. When I called XXXX earlier this week to ask why we were asked to sign a Quit Claim Deed, she could not remember why. Because I am in the military XXXX ( 5 times in the last 9 years ), I am worried that a lender did not disclose to my wife and I that she was being taken off the Deed of Trust in a refinance. Thank you for your help. 
Respectfully, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company named IQ Data has been attempting to collect {$150.00} from me for money they claim I owed to an apartment complex at which I lived in XXXX, TX when I was XXXX. Neither this company, nor anyone else, has been able to explain to me why I owe this money. Instead, when the debt collectors call, they simply state that they do not have to tell me why I owe money because it 's in collection. When I contested the collection with the credit bureaus, XXXX immediately took the charge off. Subsequently, IQ Data then falsely reported to XXXX that the debt was paid in full, which leaves the collection on my record but gets the credit reporting agency to stop investigating. When I contested the charge with XXXX XXXX, IQ Data reported to them that it 's still a collection account. IQ Data still continues to call and demand the money, asserting that they do not have to tell me why I owe money and that they do not know what it 's for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX insurance charges of health and report not having paid hospital expenses,

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 09-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: After a lengthy divorce, I had fallen behind on my mortgage with XXXX XXXX XXXX and was forced to file Chapter XXXX bankruptcy. During the bankruptcy process, XXXX sold my loan to XXXX. I emerged from bankruptcy in XX/XX/XXXX with XXXX agreeing with the court that my mortgage was current. I made my XXXX post petition payment to XXXX in XX/XX/XXXX. XXXX applied the payment to XX/XX/XXXX. I was still in active bankruptcy XX/XX/XXXX. My XX/XX/XXXX payment was misapplied to XX/XX/XXXX. I continued making payments, and never missed a payment, but the payments continued to be applied to an arrearage that did not exist. XXXX continued to assure me the matter was under review, but at one point went so far as to put me into pre-foreclosure. XXXX also never updated my status to show I had emerged from bankruptcy. I made monthly payments to XXXX until XX/XX/XXXX, at which point the sold my loan to Nationstar without having resolved the issue. Nationstar now shows me roughly {$8000.00} behind in payments and wants me to agree to a loan modification, which I have not agreed to do. Nationstar says they continue to investigate, but now they have people taking pictures of my house. I have not missed a single post-petition payment with either XXXX or Nationstar since I emerged from bankruptcy in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Fraud or scam

Complaint: The last XXXX to XXXX times I have used the Chase QuickPay service it has taken well over XXXX hours to receive payment. In fact several occurrences took almost XXXX days. This has made me late on rent previously. When I call they tell me to wait an hour, and it should clear. When the funds do n't clear and I call back, they say wait until XXXX and they will definitely clear by then, however, the funds do n't clear. It really seems like there is a scam happening that is designed to overdraw customers so that Chase may charge overdraft fees. Now, I have n't always had this problem with the QuickPay service. It seems that these issues occure like this if my account is low on funds and can be overdrawn if pending transactions clear. So, if they hold off on depositing my QuickPay funds for XXXX days, then there is a good chance I will be in the red. The misconception is that all the Chase customers, and including the Chase employees think the funds should clear within hours and within XXXX at the max. However, funds do not always clear quickly, and no one can explain why. This is currently the situation I am in. On XXXX/XXXX/15 I had XXXX in my account. I had also excepted a QuickPay-payment for XXXX from another Chase account holder. The Chase QuickPay activity screen says I had excepted an XXXX QuickPay payment and it was complete. When I look at my account balance, the {$85.00} deposit is not reflected. I am currently over drawn {$3.00} even though QuckPay activity says the funds have cleared. The Chase customer that QuickPay'ed me the funds, said they were removed from their account immediately. If this is the case, then there is no need for a waiting period ( Hold ) to insure the funds clear. It is not the same process as a check or Debit card transaction. In addition, when you do become overdrawn as a result and charged a fee, they do not automatically refund you the fee based on their mistake, you have to call them and show them that there is a glitch in there system. If people do n't realize this is happening, they do n't call and Chase collects unwarranted overdraft fees. I would have thought this was just an exception, just a glitch, but I am noticing now a pattern that is of concern and should be investigated. It is a strange operation and does n't look good ....

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: I contacted my bank ( Wells Fargo ) regarding a debit from my account from XXXX that I did not authorize. I filed a claim for {$220.00} then {$90.00}. I was issued a temporary credit while they investigated. On XXXX, I received a letter stating the investigation was closed and I authorized the transaction. The letter stated I could call the number and receive documentation that made my bank reach that judgement. The letter also stated that the temporary credit will be reversed " 5 business days after XXXX/XXXX/15 ''. I called customer service to get information about my claim. I was told that it was closed but they still are in arbitration with XXXX and I may in fact get my money back. They told me that XXXX has until XXXX XXXX to respond again. I asked if they are still working to get the money back, why are they needing to reverse the credit. I was told that at that point they had to. No real answers. On XXXX/XXXX/2015 after XXXX, the credit was reversed. I had outstanding debits because I was expecting them to reverse the credit when they said they would. I called and requested to speak with a manager. I was told they will have a manager call me back within 24-48hrs. No call back. I received a bill from XXXX, showing where they reversed the payment of {$220.00} and put it back on my bill. I contacted customer service on XXXX, letting them know that XXXX reversed that. I wanted to know why if XXXX reversed it, why is my bank stating that the money was with XXXX. I also let them know I never received a call from manager. The representative stated no one was available to assist me since it was escalated to manager, so I must wait for a call. She put in a XXXX request. This is XXXX and I still have n't heard anything.

Company response to consumer: Closed with explanation