milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Reviewed my credit reort on XX/XX/XXXX. Found XXXX XXXX XXXX had listed me delinquent for 2 months, never heard from them prior. On XX/XX/XXXX at XXXX called and spoke to XXXX XXXX to ask questions about information. They wanted my current address, I told them no they had my info from credit reporting agency. Was told I had to talk to dispute resolution and got transferred. At XXXX to XXXX XXXX who immediately when told what I was inquiring about advised me I had wrong department, gave me reference number XXXX. Transferred me to XXXX XXXX ( XXXX ) who transferred me to XXXX XXXX ( XXXX ). I asked for details and was told they could not give to me and I would have to write to -ERC XXXX XXXX XXXX XXXX Fl XXXX to get information. I said I would, then XXXX said I had to give her most recent mailing address or they would not respond. I had a XXXX XXXX account several years ago, returned equipment ( shows XX/XX/XXXX returned, but I know it was before then ) and after fighting about return, they listed me as delinquent on credit history. That finally went off my credit report. Now XXXX XXXX appears showing 2 months delinquent and today is first time I spoke to them or had heard from them. They should have to supply a detailed bill of what {$570.00} entails and since no prior business contact with me, I want them removed from my credit report immediately. Is it legal for XXXX XXXX to give my personal info ; including social security number to someone I have no business contact with?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I set up reduced payments with Navient in XXXX 2017 because I could not afford the monthly payments. I was told to select a date I wanted payments and they would auto draft. I selected the XXXX of each month. My regular payment due date was the XXXX, and I was advised that my due date would be adjusted automatically to reflect the XXXX after 3 months of on time and successful auto-drafted payments on the XXXX. This was after I called in about 2 months into making these auto payments to question why it was n't reflected. It is now XXXX, and my due date has not been corrected. I called today to try to resolve that as well as update the bank account information for my auto payments. I was transferred 4 times, with each associate telling me they could n't make those updates, only someone in another department ( the one I just spoke with ) could do it. On the last call, the associate answered and then never spoke- literally sitting in silence on the line. I waited because I could hear them making some noise as if they were reading out loud, so I assumed she was reviewing the comments. Then suddenly I was going through an automated prompt to rate the call and customer service. Well, all of the calls and customer service was rated the lowest possible. After speaking with multiple representatives, no one helped, kept passing me back and forth to departments with long hold times, and in the end, they dropped my call. One of the associates did indicate that because my payments were coming in after my due date, I was probably being assessed a late fee ( which after review I see the 2 late fees I was charged had been refunded, so they were again wrong ) and that she would put in the request to change my due date but it would n't reflect on my account until after this month, so once again I will appear to be late. And if this is n't processed, I will have to wait another month to see the change. I was transferred after that and did not receive any confirmation of this change request being processed, and because it took almost a half hour to make no progress, I did not call back. I also was unable to update my payment information- they are making it needlessly complicated to manage this account and my repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Other

Complaint: I got a credit card from Capital One in the XX/XX/XXXX 's. I was told it had a {$200.00} balance. I went to a local store later and tried to use it but the cashier said it needed to be activated. I went back home and called Capital One and they told me I had to put money into the account before I could use it, I could activate it when the money was paid. After deciding I did not want the card I called and cancelled it in XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX, I receive a letter telling me my card had been " restricted per my request '' but my account was continually charged to a total of over XXXX dollars. Prior to that in XXXX XXXX, I received a letter saying my account was suspended. They have been charging me fee 's of all sorts ever since then, have dragged me into court and have now garnished my wages for over {$1500.00}, and the card was never activated or used for any purchases or charges of any kind. In XX/XX/XXXX, I was found in default for not appearing in court so they awarded them XXXX plus dollars, when I went to court just recently in XXXX XXXX they awarded them over XXXX plus dollars. I owe nothing on this card, never used it, never activated it, even cancelled it. Even Capital One has no record of my card and when I asked her why that was she said, " well, the card would have to have been activated and used for me to have any record of it. '' Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Revenue Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not know i can request an annual requested from XXXX to my dismay I then saw an entry from revenue system inc I then decided to call and inquire. I was told by a XXXX that NO RECORD FOUND he had me repeat name numerous times then transfer the call to a XXXX who is NOW XXXX who stated NO record found to read info on report and stated NO record to give phone # she will assist with credit report error. she XXXX XXXX called same day XXXX weeks a go in XXXX XXXX to say NO RECORD. I ask for the phone # of vendor, ac #, date of report and why the vendor NOR THEY NEVER wrote a LETTER to demand debt NOW UNABLE to give information an file this false report. I got NO ANSWER. She XXXX stated THIS WILL STAY ON THE REPORT I WILL NOT REMOE IT. I ASK FOR DETAIL INFOMATION AGAIN she XXXX XXXX stated if I continue to demand information I will NOT TELL YOU hung up. I then disputed the debt. 
I am in receipt of the report it stated that the DEBT is verified to be removed in XXXX XXXX. 
I then call the Revenue Systems Inc spoke again to XXXX he then acted extremely slow and asked same questions over and over again when I ask to speak to representative XXXX I was told that XXXX will call back that it is a Flood Insurance, ask for insurance co name, phone, detail of debt he REFUSE to provide. only XXXX can answer you. Upon calling back XXXX NOW stated that my husband took policy. I told her my husband died more then fourty years ago, NEVER CAME TO USA UNDER WHAT Authority SHE CAME To that CONCLUSION I WAS TOLD THAT I TOLD IT TO HER THAT HE TOOK POLICY AND HAS A LEGAL SIGNATURE ON THE DOCUMENT FOR FLOOD INSURANCE XX/XX/XXXX REQUEST AGAIN COMPANY NAME PHONE I WAS RUDELY TOLD SHE WILL NOT TELL OR GIVE ANY INFO AND IF I AM UPSET ABOUT THIS THAT IS JUST TOO BAD AND IF I CONTINUE TO ASK SHE IS GOING TO HANG UP AND THE REPORT STAYS. 
CHECK WITH FEMA I AM NOT IN A FLOOD ZONE. I AM A VICTIM OF FALE REPORTING FOR PERSONAL GAIN AND ABUSE OF FALSE REPORT WITHOUT MERIT, FAILURE TO PROVIDE EVIDENCE OR CONTACT MADE BY XXXX. PREDITORY AGENTS AND ACTED IN BAD FAITH UNDER THE FAIR CREDIT AND REPORTING ACT TO CAUSE HARM AND DENY ACCESS TO REASONABLE INSURANCE RATES WITH ANY COMPANY AND CAUSE INEBILITY TO GET CREDIT. THESE PEOPLE HAS DELIBERATELY ACTED TO CAUSED HARM TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX : Earnings Withholding Order for Taxes, Account Number : SR AP XXXX. 

XXXX. XXXX XXXX of XXXX Account XXXX. SR AP XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX of XXXX Account XXXX. SR AP XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( XXXX XXXX XXXX XXXX. XXXX XXXX Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( 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 non-monetary relief
Consumer complaint received 04/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed an official dispute with Transunion on XXXX. I stated that XXXX XXXX XXXX, a creditor on my file, as misstated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Transunion return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Transunion has not provided any further information to explain why they have decided not to update their files. I simply request that the account status be updated or the account be deleted.

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 03/31/2017 about Debt collection (Credit card) with Sessoms & Rogers, P.A. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2016 while apply for a new apartment my wife and I found out that we have a judgement that was entered on our credit report for the amount of XXXX for XXXX. we called them to knew more about the debt. they reffered us to their legal department that is base in North Carolina what is Sessoms & Rogers PA. we contacted them also to knew more about the debt, the loan. they tald me that the amount of debt was XXXX and we ask them for the original contract and they said, it has been requested and we will get all document supporting the jugment on our credit report, we wait 6 months we did not receive any supporting document just the bill the last couples of day I called them again and again .they seems not to give us a satisfactory responses that is why i am filing this complain

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax forces me to call multiple times to get my report

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: I worked with Wells Fargo to to qualify for a loan modification and sent in required documents. Though we qualified, each time they would deny us on a minor technicality such as a date missing. I submitted 7 times. Hundreds of documents. XX/XX/2015 and XX/XX/2016. 

Although my husband and I are both became ill and XXXX 10 years apart, we always kept up with the mortgage for many years. Unfortunately I had to file for bankruptcy. 

XX/XX/2017 I filed for bunkruptcy but we had he house on the market on a shortsale and received an offer. Wells Fargo accepts that offer in XX/XX/XXXX and sent us a letter to that effect and a phone call. We were waiting for the closing date but got a letter of foreclosure notice. We thought with a shortsale a foreclosure was not an option given the letter we got from Wells Fargo. 3 days before the foreclosure date we find out from the shortsale lawyer and realtor that they are going ahead with the foreclosure and not the short sale. As far as we are concerned Wells Fargo has played games to go the foreclosure route as opposed to : 1. Loan modification 2. Shortsale Wells Fargo had no plans to allow us to modify the loan or sell the house via a shortsale. They had ulterior motives all along.

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 03/13/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Commonwealth Financial Systems has placed an item on all XXXX of my credit bureaus that was proven to a previous collection agency as fraudulent. I have contacted this collection agency several times and they will not return telephone calls or mailings, but also refuse to remove the item from my credit reports. 

The item in question is from a hospital bill in XXXX XXXX that took place by a person using information from my stolen wallet. The original debt is from XXXX XXXX XXXX Hospital, and I have a statement XXXX XXXX XXXX XXXX Hospital detailing that their investigation resulted in my being free and clear from further collection attempts because they found the incident to be a case of identity theft.

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 EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: When I went on to the XXXX site to check how the recent hack impacted me, the site stated that my personal information might have been compromised. Now my credit score is at risk, and so is my personal identity.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with DISCOVER BANK (KS).
Issue: APR or interest rate

Complaint: Discover refuses to apply my payments above the minimum payment to the balance with the higher interest rate first. I have asked over the phone and through the online message center. The response I keep getting is " the company can apply it the way they want. '' Their agreement says : We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. According to the Fair Credit Billing Act of XX/XX/XXXX, they must apply the additional to the higher APR. I do not understand how they can get away with this. Especially if I requested it. The split occurred with the balances XX/XX/XXXX. The balance with the higher rate was at {$1200.00}. I can not add to that balance ; all new charges go with the other APR. The balance on that portion is now {$1400.00}. I was late one time in XX/XX/XXXX which was forgiven. After that, I was never late, there were only 2 times that I paid the minimum, and I tried to pay above the minimum ( even if it was only a few dollars ). There were a few times when the balanced decreased, then it would go back up. That is one of the reasons I did n't notice until I pulled out all of the bills. I did n't notice the issue because, the total balance on the card was decreasing and I assumed they did as the law required. I only recently started writing down everything, only to notice the balance on the higher rate has actually increased since XX/XX/XXXX. Do I have any recourse? Also, it is very hard to tell how any of the credit card companies apply the payments on multiple balances on the same card. I think all credit card companies should be required to provide a breakdown of how they applied your payment on your billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I submitted a deposited a check via ATM deposit on the evening of Thursday, XX/XX/XXXX. The funds were available the next business day. I waited until Monday, XX/XX/XXXX to charge against the funds. Without warning my account was frozen that evening. I realized that the account was locked when I attempted to get gas this morning, XX/XX/XXXX. At that time I tried to access my mobile banking and was unable to login. I then called the XXXX customer service number and could not validate my account. I requested live help and was told by the representative that my accounts had been frozen pending closure. Without any notice. When I asked for an explanation, I was advised that the information could not be given over the phone and that I would receive a letter of explanation in the mail. Distressed by that response, I proceeded to my local branch for answers. Upon arrival I was seen by a banker who explained that the ATM deposit was being returned unpaid, and that because the account was newer, would be closed. I left the branch to confront the business that issued the check and was advised that the check had been already been paid. Furthermore, the issuer 's bank, XXXX XXXX, provided me with confirmation of the payment. When I approached my bank with this information, I was told that it was immaterial and the account was to be closed due to the invalid deposit. At this point I am in real distress as I had transactions out on money that no one wanted to be accountable for and that had virtually vanished. I repeatedly asked for Suntrust to help in this resolution, touting that XXXX XXXX had made an effort, but Suntrust simply denied interest in the funds or my continued business. I implored several times asking for administrative contacts who could help me, but was instructed to call the XXXX number. The number that refused to talk to me at all. Now I am terrified that my meager assets have been frozen, and that the money will not be recovered in timely manner ( because Suntrust shows no interest in resolution ), and I will be doubly responsible for these funds. I have no recourse at this time, with the exception of this complaint. I have tried to contact attorneys to help me navigate the system, but have been unable to find any that practiced in this area. Please please please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Each year i was given a choice on how much of a loan I wanted, books, tuition, room and board, food ... no parental supervision around me I chose to take the maximum that was available to me thinking i have 4 years before i need to pay anything back. while attending XXXX XXXX I visited my guidance counselor several times a year looking for guidance on what my career path should be. The proper guidance given my results from the numerous test they gave me should have been to leave purdue and attent a XXXX XXXX and enter the work force. After 6 years and 5-7 changes in my major I graduated XXXX and and wound up going back to school to become a XXXX XXXX. Now in the work force I owed over {$50000.00} working in my dream job making {$10.00} per hour. no choice but to deffer it as long as i could. now I owe over {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have several duplicate hard inquiries on my credit report from XXXX that were supposed to be removed but they are still there and affecting my ability to close on a house in 30 days. I am not working with this mortgage company. They should not be allowed to make multiple inquiries. I never game them permission to make multiple inquiries. 
The inquiries are as follows on Transunion, XXXX, and XXXX XXXX, XXXX inquiries on 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 09-12-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in a modification program with Bayview Loan Servicing. I was initially denied the modification in XX/XX/XXXX, but received a notice that trial payments were to start effective with the XXXX 2016 payment. I sent my first payment due XXXX XXXX, 2016 via USPS certified mail. The payment was sent on XXXX/XXXX/16 and arrived on XXXX/XXXX/16. I received my green card and knew how long it would get there. My payment for XXXX 2016, I just sent via regular mail because I did not have time to go to the post office. I mailed it on XXXX/XXXX/16. Today if XXXX/XXXX/16 and the payment has not posted to my bank account. I 've tried calling the customer service number ( XXXX ), but all I get is that no one is available to take my call and that the voice mail is full and I can not leave a message. I 've also sent an email on XXXX/XXXX/16 to customer inquiring about the status of my payment and why it has not been posted. I 've read complaints about this company and of how they will hold payments to make you appear late to either disqualify from your modification plan or report you to the credit bureau. I feel that is what they are trying to do to me. As of today, I will be sending Bayview customer service another email informing them that I will be placing a stop payment on the check that was mailed and that I will be processing the payment over the phone. I do not want this to disqualify me from completing the trial payments for the modification which I feel Bayview is trying to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was late paying my credit card for the first time. I called the credit card company to make my payment. the credit card company removed a late payment from my account but the creditor closed my account and reported a late payment to the credit bureau

Company response to consumer: Closed with explanation