milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have contacted XXXX about XXXX inquires on my Transunion credit report on XXXX XXXX. I was told that they would contact Transunion removing the fraudulent inquiries. They have not. Then when I contacted them again, they directed me to Transunion in which they directed me back to XXXX. I am entitled to have these fraudulent inquiries removed XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015

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 01/20/2016 about Debt collection (Credit card) with CITIBANK, N.A. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The last date paid was in XXXX XXXX and the tradeline should have been removed in XXXX XXXX. The records on my XXXX credit report states that they last received a payment in XXXX They are saying that it will be removed in XXXX XXXX which is well over 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient is calling my work number. My employer does not want them to call my work number.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: UPromise XXXX serviced by Barclaycards : The telephone access system requires a SSN and zip code to be entered via keypad in order to access account information, including transactions and payments. No pin is required. My ex-husband knows my SSN and zip code and was able to access my account information each month. I requested a telephone pin be set up, but they would only offer a verbal pin and not XXXX for the keypad. As a result, my information was compromised and illegally accessed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I came to the XXXX organization with the purpose to purchase a home. When my credit was pulled it showed that Experian is reporting accounts that do not belong to me and other names and places of employment that do not correspond to me. I send a dispute letter to Experian and received a letter asking me to provide documentation of addresses and proof of social security number. I emailed them proof of address, my birth certificate and a letter stating that I did not have social security number. I provided my Form XXXX that has my ITIN number. After 4 attempts they kept sending me the same letter. I am frustrated because after providing a sorts of documentation they do not want to remove the accounts from my credit report. I am seeking your help to resolve this issue. 
Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient is charging an exorbant amount in interest to their borrowers, making it almost impossible to pay off. Most of them will take 10+ years to pay off. I can not afford to pay that much interest simply because I chose to get a college degree. It is not fair to students to have to pay this much interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Payday loan () with Rosebud Economic Development Corporation (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Super high interest, just borrowed {$750.00} loan, i pay them {$240.00} twice a month, every payday and the rates super high n it will come up to almost {$3000.00} for the whole duration of the loan, its yoo much .. 
Name of company Zocal Loans

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 monetary relief
Consumer complaint received 11/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (HI).
Issue: Billing disputes

Complaint: Credit Card company ( XXXX ) allowed a charge from XXXX that was not authorized by me. 
There is an ongoing dispute on a contract which I had with XXXX XXXX that they did not perform on and we were in discussion on resolving this dispute.

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 04/17/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: NEW DOCUMENTS - THIS IS NOT A DUPLICATE FILING - JPMORGAN CHASE CONTINUES TO DENYMY CLAIM OF FRAUD IN MY NAME. THEY HAVE DENIED CLAIMS FILED THROUGH THEIR COMPANY / POLICE REPORTS / CFPB AND NOW DENIED ONCE AGAIN. PLEASE SEE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: While checking my personal credit report, which I acquired from [ Experian, XXXX, XXXX ], I noticed an inquiry made by : -XXXX XXXX XXXX , XXXX. XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX. on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX -XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX. on XX/XX/XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. <P/>I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. <P/>1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. <P/>2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. <P/>3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document. <P/>4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act.You must delete this recording from my credit reports. <P/>As it is that I am willing to contact the Federal Trade Commission, Report you to Both The Council of Better Business Bureaus and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved.

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 01/19/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I used Equitable Acceptance Corporation to consolidate my federal student loans and apply for income-driven repayment. The company misled me into making monthly payments directly to them, saying the payments were going towards my student loans. Additionally, this " loan '' from Equitable Acceptance Corp. is being listed on my credit reports as a Credit Card. There services are false, misleading and a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2017 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION ().
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They keep contacting me at my employment and I told them to stop. It is threating my job and my employer does not want debt collection calls on there phones.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I called Navient for help with not being able to pay my loan. They offered a forbearance. I took that option thinking things were fine. Navient reported me to the credit agencies which dropped my credit very low. I only found out that they did n't put my account into forbearance after I received a credit rating hit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on XXXX, XXXX and equifax credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Dear, I had a unauthorised transaction from XXXX ( XXXX ) on XX/XX/XXXX for {$8500.00}, I called Bank of America and disputed it and I had to replaced my credit card and on XX/XX/XXXX, I had contract and expired on XX/XX/XXXX and was not renewed with XXXX and filed complaint with FCC and CFPB I received another transaction from XXXX for {$110000.00} again I reported it as fraud the last time we made payment with XXXX was on XX/XX/XXXX XXXX stating the payment caused due the merger with XXXX it was a processing error and we will take care of it, I provided Bank of America the name and contract umber of executive office of XXXX including emails but it I did file complaint against XXXX and XXXX with FCC and CFPB including small claim for new transaction ( {$1100.00} ), I only used the new credit card fee transaction why Bank of America paid XXXX again and again does Bank of America suppose to do due diligence and why keep paying unauthorised transaction since we do not have any realionship with XXXX ( XXXX ) that caused me financial injuries.

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 monetary relief
Consumer complaint received 10/27/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on a home XXXX/XXXX/16 and Nationstar was my assigned mortgage company. I have received nothing but INCOMPETENT mortgage servicing of my loan since then ranging from mis-sending my mortgage payment twice, ignoring customer input on payment coupon twice, paying my homeowners insurance twice and recently misapplication of funds. I 'm tired of babysitting my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (I do not know) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't owe focus financial anything they are trying to collect on a debt that was paid by an isc. company they are breach of XXXX and the fact that they provided me with information from my doc office proves that the doc and themselves are in breach if they do n't remove the accounts from my credit I will take this to the XXXX XXXX about the hospital and all doctors involved and I will win an court you can not give out my medical history DOCTORS TO WHOM EVER YOU WANT AND MY BILLING HISTOURY IS A PART OF THAT remove this or find your company in court.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: I have been with Bank of America for months. I had half of my check going into bank of america for direct deposit and the other half of my check into XXXX. I transferred the funds from my XXXX unto Bank of America. There was a misunderstanding on why the check did n't clear. The check totaled a little over {$700.00}. Saturday XXXX/XXXX/15 I withdrew XXXX I actually saw the check clear on XX/XX/2015.I did n't withdraw anything else because I knew XXXX/XXXX/15 my direct deposit would hit and I would have enough money to pay my rent. I was not notified that the check dint clear. I wasnt notified of anything being wrong at all. Instead of contacting me. Bank of America Maliciously waited for my direct deposit to hit, and CLOSED MY ACCOUNT SAYING NOTHING! When I went to the branch they advised me the check did n't clear. I was confused and said well my direct deposit should have definitely been enough to cover the {$200.00} if there is any issue. They took my money and closed my account and then reported me TO CHECK SYSTEMS. NO EXPLANATION NO NOTHING! I AM UNABLE TO OPEN UP ANY OTHER ACCOUNT! I OWE BANK OF AMERICA XXXX DOLLARS AND FOR ME TO HAVE TO PUT A HOLD ON MY DIRECT DEPOSIT AND THEM TO REPORT ME TO CHECK SYSTEMS WHEN I OWE THEM NOTHING-IS UNLAWFUL, AND MALICIOUS INTENT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Bank account or service (Checking account) with U.S. BANCORP (CO).
Issue: Problems caused by my funds being low

Complaint: US Bank is charging overdraft fees to make money. I have on several occasions looked at my account saw it was over and immediately put money in the account. Not a check, but cash. The next day I am hit with an overdraft. I have made many deposits on my account in cash and all have a positive balance to again get overdraft fees. I have requested text messages when my account is below XXXX, not only have I not received one this year, but they notify you the following day what your previous balance is. Just so they can charge these fees. How is this legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Where is my money? 
I have 30 years ( fixed rate ) mortgage with Wells Fargo. Loan # XXXX. I have to pay my mortgage by XXXX every month. In XXXX 2016 my mortgage payment was {$1200.00} and on XXXX/XXXX/2016 I paid {$1200.00}. Additional Principal Payment is {$31.00} and that money is lost. Store Manager of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX ) told me sorry we can not help you, we do not have that department and we do not know where is that money, call our mortgage consultant if you have any question. I have Transaction Receipt and it showing '' Total Payment {$1200.00} '' ; Wells Fargo cashed my check on XXXX/XXXX/2016 {$1200.00}, but they sent me Transaction Statement for Payment received $ XXXX.I want to know Where is Additional Principal Payment???

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed inquiries on my credit X/XX/17 I filed a fraud report due to receiving a call from lending tree stating I was approved for a loan. I advised them I never applied for a loan. I looked at my credit report through my XXXX XXXX  card and I have over XXXX inquiries for credit I never applied for. Then there 's names and social security numbers not mine. I called trans union and was advised the fraud report will fix it. Now my credit score is dropping and I am doing nothing. Then my XXXX card is reporting wrong information. I had to get new bank cards and replaced my credit cards. I just want this fixed.

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 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Seattle Service Bureau, Inc (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have already settled this debt and paid both of my derogatory hits last year. Both are from the same company. They also said it would take about 30 to 60 days for it to reflect off of my credit report. I am looking on my credit report and it is still showing on my report as a debt not collected.

Company response to consumer: Closed
Consumer complaint received 11/16/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a complicated issue with an old charge account. The original creditor was GE Capital, now Syncrony Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We both had GE capital cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made in XXXX and XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called Synchrony to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late? 
Additionally, I sent a validation request to XXXX XXXX as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if XXXX XXXX is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.

Company response to consumer: Closed with explanation