milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 'm in School. I 've reported that i 'm a student at XXXX. XXXX reports to the XXXX. Navient is still charging me interest. Please correct them on this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I made a purchase from an online business called XXXX & since I 'm a XXXX ( I work for XXXX ) I utilized a website called " XXXX XXXX ) to initiate a discretionary allotment to have {$43.00} deducted from my paycheck every pay period ( every XXXX weeks ) sent to the financial institution XXXX designated which is XXXX XXXX. however I then learned that the RTN I used to establish my allotment is actually for TD Bank NA. On XX/XX/XXXX, I input the correct data ( again using XXXX XXXX ) and took action to redirect the allotment of {$43.00} per pay period to XXXX XXXX. At th time I THOUGHT I had terminated the erroneous allotment to TD Bank. Unfortunately today I learned that the alllotement never stopped and that since XX/XX/XXXX, {$43.00} has been deducted from my pay & sent to TD BANK ... for no reason whatsoever. 
After, confirming that the correct payment & allotment I input when I changed the deduction to send XXXX their payment was, in fact, input correctly ( this was confirmed by virtue of the fact that I have a remaining balance of {$190.00} on my purchase, I then undertook the task of contacting TD Bank to determine why they were holding onto monies sent via an allotment every into an account that I have absolutely no connection to. I tried to speak with them, providing more than enugh identifying information for myself as well as the RTN, Account number, typw of account and EVEN EACH AND EVERY DATE PERTINIENT TO THE TRASNACTION/ISSUE : 1 ) The date the initial payment was sent ; 2 ) Each and every date a payment was made ; 3 ) ANY date wherein an action of any kind took place ( I was able to do this because XXXX XXXX keeps detailed records pertaining to any inputs and/or transaction that take place associated with my account. 
Despite all this they refused to provide me with any inforation pertaining to the ownership of the account - something that is absloutely necessary for me to know in order to be able to contact the entity holding those monies & have them remitted.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: A personal check was made out to me and a XXXX party ( i.e. XXXX AND XXXX ). Bank of America accepted this check with only XXXX signature and deposited it into the XXXX party 's personal bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We filed a complaint about JP Morgan Chase Bank handling of our account and foreclosing on our property when we had a written offer for a short sale for {$15000.00} more than what the property foreclosed on. They responded claiming we were not approved for a short sale which we have documentation that we were. They also stated that our offer was missing the short sale addendum which it was not

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To Whom It May Concern, I am submitting this complaint about XXXX XXXX Account # XXXX. This depth disputed by me several times with different collection agency. This account does not belong to me. Every time I challenged collection agent name change and stick to my credit report at Experian. Also, Experian and XXXX violated federal law. They misleading and inaccurate information. In Experian credit report show this account open XXXX. And also XXXX account shows charge off account. Every time I dispute this depth, it shows that month payment miss payment. If this Account opened in XXXX and went to collections several times, how can it show XXXX and XXXX XXXX indicates none payment? If this XXXX account, utility depth, It can not show as a revolving credit card depth. In my Experian Credit report, shows as revolving depth and reflecting in my credit report as a current date and month none payment. Also, XXXX account indicated closed on my report. This is wrong and unlawful. This affects my XXXX XXXX. This does not fare me as a consumer. Also, This XXXX account disputed several times with different collection agent. They do not provide me any evidence that this account belongs to me. I do not own or have XXXX account. This depth is misleading my credit report. Also, Experian Credit agency shows misleading and inaccurate information.

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 10-05-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with JPMORGAN CHASE & CO. (GA).
Issue: Getting a line of credit

Complaint: I went into Chase bank on XXXX XXXX XXXX XXXX XXXX GA XXXX. I applied for a business loan for the second time in two years. On XXXX XXXX, 2017 I got a letter from them that denied me. They said that it was for the following reason of derogatory personal public record or collection filed along with a few other. They also said that they relied in whole or part from a report from XXXX and my credit score showed XXXX. I pulled my credit and XXXX showed XXXX and XXXX XXXX score. I also have no derogatory public records as of XXXX/XXXX/17. I want to have CHASE investigated because I have been with them 13 years and want to know what criteria is needed to get a loan because I feel like I am being discriminated against. I am also seeking legal counsel on this matter. I can email someone supporting documents. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau of Lancaster County, Inc. (DE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Please note my complaint is against XXXX XXXX XXXX XXXX who does the billing for the Physicians at the hospital ans also against Lancaster Collections .I found out about this debt when I applied for credit and was denied due to this derogatory information being reported on my XXXX. Through further investigation, I found out that " XXXX XXXX XXXX XXXX. had placed my account with a XXXX party collection agency, Lancaster Collections. I never received notice of any such bill and had they sent the correspondence to me and or contacted me by telephone then I would have made an arrangement to resolve the debt. This is the XXXX time this year that this same exact scenario has played out.Where both companies FAILED to make an attempt to contact me via phone or email and just placed an account in collection.Therefore, I was NEVER afforded the opportunity to resolve the debt in a timely manner prior to it going to collections and effecting my credit in a negative way. The hospital has my current information and sends me a monthly billing statement every year. The first time it was in regards to account # XXXX and after speaking to XXXX from XXXX XXXX at XXXX ext XXXX she promptly resolved it by recalling the account from collections and having all derogatory information deleted form all national credit bureau agencies. Therefore, I should not be going through this a XXXX time around for a different account as they have my current address and telephone number. However, once again they placed me into collections and failed to contact me via mail or telephone in regards to my daughters account # XXXX and on XXXX/XXXX/15 I contacted XXXX XXXX at XXXX and spoke with XXXX at XXXX XXXX who ASSURED me that he would recall the account from Lancaster Collections as well as have any derogatory information deleted form the national credit bureaus. Unfortunately, he FAILED to follow through on any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit card or prepaid card (General-purpose prepaid card) with INCOMM HOLDINGS INC. (NY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I have 3 cards, all purchased at $XXXX from the same XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, NY.  Two of the cards were purchased and the cards inside had apparently been utilized in 2016 and the other said it was inactive. All 3 cards were charged properly to my credit card. I sent all of this info in and I have yet to hear back.This is a significant amount of money and I am in need of mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Medical) with AmeriCollect (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Medical debts should have been reported to my insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This is for loan XXXX XXXX and the late payment on XXXX that was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor Mr. XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: THE REPRESENTATIVE CALLED ON A SUNDAY, XXXX XXXX, 2015 AT XXXX EASTERN STANDARD TIME. I LET THE REPRESENTATIVE KNOW THAT IT WAS A SUNDAY AND I WAS WITH MY FAMILY. HE STATED THAT THIS CALL WOULD ONLY TAKE A MOMENT OF MY TIME. I FEEL THAT HE WANTED ME TO TALK WITH HIM ANYWAYS DID N'T MATTER TO HIM IF IT WAS A SUNDAY AND THAT I WAS WITH FAMILY. THE COMPANY IS PORTFOLIO RECOVERY AND THE NUMBER THAT SHOWED ON CALLER ID IS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt from XXXX is not mine, I had a contract with XXXX XXXX in which I paid, and all equipment was returned! The contract was prepaid, there is no way I am left with a balanced owe! XXXX XXXX has given no resolution or validation of this debt, and now has sold it to Credit Protection. I need this false debt 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 02/26/2018 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: Account information incorrect

Complaint: On both my Transunion and XXXX reports it is showing that I was 30 days late on my payment to my mortgage company, XXXX in XX/XX/2018 and XX/XX/2018. My mortgage is due on the XXXX of each month. My XXXX mortgage was received on the XX/XX/2018 and my XXXX mortgage was received on XX/XX/XXXX. I called XXXX and was told I was correct, but that the credit agencies had to make the correction, as it was not their mistake. I called the credit agencies and was told that XXXX had to correct it, as it was not their mistake. I then asked XXXX to please send me a letter stating the information they verbally confirmed in writing, so that I could forward to the credit agencies for them to correct. They refused, and asked me to start a dispute ALL over again. I am being run around in a circle, and I beleive this is something that can be handled quickly with a simple letter to Transunion and XXXX Please help. Thanks in advance.

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 08/29/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Credit line increase/decrease

Complaint: Chase reduced my credit limits shortly after increasing them all. 

This does n't sound like a lot. But it is because other banks did the same purely because when chase reduced my limit it pushed my credit usage up. My usage was about 35 %, it 's now over 50 %. Not because of new balances, but because of limit decreases. 

The full story is that I got a {$500.00} limit on a credit card for balance transfers. It was an error. This limit was wrong. I applied for other cards from chase and was awarded over {$17000.00} in limits. After a year in customer service with them I got to the chase executive team who increased the {$500.00} card to {$12000.00}. A few months later ( literally nothing changed to my credit report ), and purely because of when their automated system checks, my limits were slashed across the board to a few dollars higher than my balance. My usage on these cards went from under 30 % to 99 %. And according to chase, that 's just fine. They have absolutely nothing to do and have done nothing wrong to me. 

XXXX XXXX XXXX, XXXX and others have done the same. It 's sickening. I watch the credit I have worked years on be treated like a child 's toy by these companies. I have never made a late payment, have 12 years of history, had XXXX % usages ( and was paying those down. The way people look at reports these days though this change in my usage has come with a ONE HUNDRED point drop in my credit score. It 's effecting my businesses, my personal finances and my sanity. I feel like since I 've done nothing wrong but fit into their automated " you lose '' machine somehow and the reps of the company I 've spoken with either are n't smart enough to see this as an outlier or do n't have enough authority to correct it. 

I 'm posting this here not because I think anything will come of my own finances. Obviously, these banks do not care and I have no chance of rectifying this situation. But I hope by people knowing about it that something in the future can be done. I feel like since there are so many regulations regarding what else they can do that this is their only way to XXXX me and thus they do it. It 's a bait and switch. Here 's {$30000.00} ... oh wait just kidding ... it 's {$8000.00} ....

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Credit card) with NAVY FEDERAL CREDIT UNION (OR).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I was called at XXXX two days in a row and woken up because of it. The third day I asked XXXX XXXX from Navy Federal not to call before XXXX any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I went to the University XXXX XXXX XXXX. Never finished the program, I went for less than a year. My financial aid through Navient is {$34000.00} and still going up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have, continuously, tried to dispute XXXX items on my Equifax credit file that they refuse to remove or properly update. The situation started when I financed a car through XXXX XXXX XXXX ( XXXX they also go by a variety of names such as XXXX ). I was in an automobile accident. This car was paid off between the insurance of the at-fault party and the gap insurance provided by XXXX. However, there was a catch with the gap, the gap would pay off the balance of the other car, only if I financed another one with them. I agreed and was forced to buy their gap and extended warranty. The car has significant trouble with the transmission and engine. They offered a replacement. This was not supposed to be new loan, just a replacement. This new car left me stranded XXXX miles from work and XXXX miles from home. I made numerous calls concerning this automobile. I called numerous times about the stranded automobile. After a couple of months, they finally got me a loaner car, which I had for only a couple of weeks. I continued my payments. I did not know that they placed XXXX collections and XXXX account as " pays as agrees '' and none being paid off on my credit file, until recently. The charge off dates could not be accurate as I paid my payments in accordance to the agreement that was started XX/XX/XXXX. These were not supposed to be separate accounts ( XX/XX/XXXX and XX/XX/XXXX ). I am currently researching my past bank accounts where payments were made ; however, I am attaching a XXXX XXXX receipt from a payment made after they claim there was a charge off. This payment was made on XX/XX/XXXX, which is after the charge off date reported as of XX/XX/XXXX. The accounts also seem to overlap, looking as though I had the XXXX accounts open at the same time, when XXXX car was supposed to just replace the other. The creditor sometimes appears as XXXX XXXX or XXXX XXXX XXXX. I think the multiple names are an intent commit fraud or something. Please help. I want these charge offs off my credit. Actually, they should be marked as paid. The first account needs to be marked paid as well.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 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: Applying funds incorrectly for two years after following Navients procedures for applying extra funds. Instructions were given in writting more than three times as well as verbally. Not responding to questions or customer service requests, multiple times over two years. Was not given income based options for repayment and was instructed that the best option was forbearance if I could not pay the minimum due. No notice of forbearance ending, forcing me to consolidate XXXX loans they purchased at a an interest rate 3X of my locked rate or tripling the monthly payment amount which I could not afford, went from 1.9 % to 6.8 % on purchased XXXX loan to the rate of with XXXX loans. Without notification and unannounced reported incorrect information to credit reporting agencies, then would not report status updates correctly or resend errors that were reported to the credit agency 's. Made multiple written request per their procedures to correct the information given the the credit agencies. Completely non responsive in writting or follow through with their own procedures. The online information is deceptive to borrowers and contacting Navient at the phone numbers would lead in circles with no resolution, if you could be put on hold and wait for up to an hour and a half. Making and applying extra funds could not be found nor given the option to apply extra funds to principle as thier website instructs forcing you to apply additional funds towards interest instead of principle paying down principles after interest is paid. Navients instructions, website, communication, and responsiveness is misleading and methods are consistent with predatory lending similarly as seen in the mortgage lending crisis. I have never experienced such poor service and communication. I was consistantly reminded and threatened financial repercussions if I did not choose their repayment option or follow thier produces that Navient did not abide by themselves. I was continuously threatened with pentalties, fee, and credit reporting reporting if I did not choose their offers ; all of which has cost me more in interest at higher rates after consolidation. They would threaten and did access fees and penalties that were disputed which they will not credit but will apply to the total balance and charged interest. Navient is the absolute worst servicing or financial institution I have ever experienced. Schools attended : XXXX, XXXX University ; XXXX XXXX, University XXXX.

Company response to consumer: Closed with explanation