milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (CO).
Issue: Credit decision / Underwriting

Complaint: I have previously filed a complaint concerning my treatment by NFCU. Sometime after filing my complaint, they agreed to a {$23.00} XXXX dollar settlement. I have previously been behind on my mortgage, while waiting on the XXXX 's XXXX to grant my XXXX claim and subsequently was rated at 100 % XXXX. My wife is now seriously ill with XXXX XXXX and we are falling behind once more. They have not changed their practices at all. They either have done or are still doing everything voiced in the complaint. I could use my settlement money to get caught up with them, but they are extremely tight lipped about the settlement, and will not even confirm that I am on their settlement list. In my previous complaint to the CFPB and XXXX, they just deflected and lied. Why is this allowed to continue? In the section below, I have had a problem with all XXXX choices, and it will only let me choose XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Closing/Cancelling account

Complaint: Re : Refund from closed Chase Account I paid for a flight on British Airways using my now expired British Airways Chase Visa card XX/XX/XXXX. The flight was scheduled for XX/XX/XXXX. I cancelled the card XX/XX/XXXX, and the account closed officially by XX/XX/XXXX. I understand from the Chase credit card customer service representative that the account was removed from their system on XXXX/XXXX/XXXX. 
In XX/XX/XXXX, I canceled the flight on British Airways, and requested a refund from the merchant. Per British Airways, my card was refunded on XXXX/XXXX/XXXX, for the amount : {$610.00}. I informed them that the card had been canceled, but they assured me that Chase would send me a check for the amount, even though the account was closed. Since XX/XX/XXXX, I have tried repeatedly to get my money issued to me by Chase, but have been told in writing that they do not have any record of the account since the account was closed. I have documentation from British Airways that they sent the funds back to Chase, but to date, I have not yet received this check from Chase. I am requesting that you please intervene on my behalf, since I have no other recourse at this time. 
Please let me know if you need any more information. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I was in an accident, the other driver being at fault. His insurance accepted full responsibility, and declared my vehicle a total loss. A payment of almost {$9500.00} was made to  Wells Fargo Dealer Services, leaving rough ly {$2200.00} left on my loan. I understood that this was my responsibility to pay and called to inquire how it all works. I was led to believe that my remaining balance would be spread among the 5 yrs left on my loan, thus making my monthly payments lower. Which is the factor I took into account when obtaining a separate loan for another vehicle. I calle d Wells Fargo Dealer Services customer service when I noticed my payment due was still at {$250.00} and was then told " unfortunately '' that it is not an option. Representatives have been rude, unhelpful and impossible. From there I have been repeatedly bounced from one dep artment to another in my quest to find a resolution. I have had to finance another vehicle, with a larger APR, and my payment for the new loan is {$330.00} per month, I have stressed I can not afford {$250.00} along with my other loan payment. Had I known this would be an issue I would have explored other options. However with the incorrect information from  one  representative I am now having to fight these people to keep good on my word without going broke. I have been completely honest and willing to work wit h Wells Fargo Dealer Services, stressing that my goal is to find an option that works well for both parties but I am getting nowhere. My hope is the complaint process will at least mediate a resolution.

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 10/29/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (LA).
Issue: Fraud or scam

Complaint: RushCard has been having system issues since XXXX/XXXX/2015, I had lost my card on the XXXX and blocked it. I called in a day or 2 later to have it unblocked and the representative said it would be active in XXXX hours which would have been Monday around XXXX CST. My card was still not active as of Wed so I called back when I was informed that they were unable to access their system to reactivate my card or remove block. Today is XXXX/XXXX/2015 I have calle dalmost every other day and I still have no access to my funds. I had to move out of my apartment with my XXXX children, I am unable to buy food to feed my family, I am unable to pay my car note or have my transmission fixed that has been broken since last month. I have no money and although family has been helping a little, they have their own families and bills they are responsible for. I do n't have any money, I had to change my kids school because I moved and almost lost my job because of days I missed and came in late. My job will not issue me paper check from check received on XXXX/XXXX/2015 because the funds were not sent back to them so I now have no way to get my check that was direct deposited a week ago. I can not purchase food, winter uniforms for my kids, pay my car note or pay for a taxi to get to and from work, find another place to live because I will have a non payment eviction and it will be hard to find another apartment for my family to live in with an eviction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all three of my credit reports i did previously contact XXXX of the credit agencies nothing was fixed. In XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity

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 06/30/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have information from Equifax on my report that is negative. It says I owed money to XXXX XXXX XXXX. I thought this had been settled. This information is damaging to my score. I have paid all my bills on time for XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed the accuracy of 6 collections accounts that are being reported by TransUnion through the website XXXX XXXX On the Date of XX/XX/2018. The disputes are still pending and I have not received and notification from TransUnion as to why nor have these inaccurate accounts been deleted. I am now requesting Debt validation to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
This complaint form will be my proof of request for DEBT VALIDATION if this matter goes before a judge. 
Furthermore I am requestin that TransUnion provide the information on how they found the disputed accounts to be accurate if they do find them to be. 

The following is taken off of XXXX TransUnion received your request on XX/XX/2018 and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file 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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NICHOLAS FINANCIAL INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Problems when you are unable to pay

Complaint: I was unable to make my regular scheduled payment and had notified the branch office where my loan was obtained, as you must deal with the location that issued the loan. The branch thanked me for notifying them and indicated since it was so close to the end of the month, my loan would likely move from their office to the corporate office. Just a few days later, " the corporate office '' contacted XXXX phone numbers, only XXXX of which was my business phone number. When I questioned why they had called XXXX different numbers, some of which are in no way associated with me, I was told " because you were n't in touch or responding ''. When I said I had just been in touch with the branch office less than 1 week ago, the individual said " do you wish to file a complaint? ". I had responded affirmatively, as there was no reason for 6 calls in a short period of time on the same day to all different phone numbers. About 1 to 2 weeks later, I was notified the issue was with the Executive Customer Care team. I heard nothing further. A few weeks later, I was notified the case & complaint had been closed. I immediately sent an email to the person assigned to the complaint. He then called me and told me he had left me a message and I never returned his call. When I told him there was no call from him and I had proof, he went on to explain they have access to a database or something similar that provides possible related phone numbers. I again reiterated, 1st he never addressed my complaint, 2nd, he never made any contact with me prior to that day. He stumbled & stuttered in an attempt to cover up his failures. When I questioned him in regards to the outrageous number of calls, especially when I had been in touch with the branch just days prior to this event and if contacting all these numbers was just an attempt to humiliate and intimidate me. He did not deny my accusation, just once again reiterated the database with possible related phone numbers. It was clear I was not getting any resolution from the " Executive Customer Care '' team. I had indicated at that time that I would file a formal complaint against Springleaf Financial. He assured me, despite my decision, they had removed any of the potential phone numbers associated with me and would only contact me on the phone number I had provided. Subsequently, Springleaf has once again contacted phone numbers other than mine, indicating they can not contact me and " have an important business matter to discuss with me ''. If this is n't harassment and humiliation, I honestly do n't know what else it could be.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: According to the collection agency that this account was turned over to XXXX XXXX ) I received a letter that stated that this account would be removed from my credit report but it is still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am a single parent. On XX/XX/XXXX, I co-signed for my daughter to obtain a signature student loan from what was then known as XXXX. It was recommended to us by the college she was attending at the time because she needed the money for the next semester tuition. I was a XXXX for the XXXX. I thought that we were obtaining a low interest loan through the college foundation. Beginning in XX/XX/XXXX, my daughter would receive bills from XXXX requesting payments on the loan. An " upaid '' fee of XXXX and an additional " past due '' fee of XXXX was added onto the total each time increasing the amount of the loan. It was my understanding that college loans were to be repaid after graduation. She could not repay the loan at that time because she was still in college. She would receive a bill showing a past-due amount. I would receive a letter showing interest and stating " this is not a bill '' with a loan repayment date of XX/XX/XXXX The principal amount on the statements sent to my daughter were increasing. In XX/XX/XXXX we received letters threatening to and then stating that we had been reported to consumer credit agencies for delinquency. The interest rate on the loan moved from 11.75 to 12.125 to 12 %. I am not sure why or when this occured. The interest rate now is 12 %. 
On XX/XX/XXXX my daughter received a letter granting her in-school deferment which she did not request. The letter that was sent with it used a loan interest of 9 %. 
On XX/XX/XXXX, I received a letter from Navient. I had never heard about this company and did not know who they were. They informed me that I had a loan that I was a co-signer on with them that was past due and that I owed them {$300.00}. I had no idea that the loan was due. When I asked them why they loan was now due, my daughter was still in college, they said that she had had enough time to graduate. I did pay the XXXX and have been paying on this loan since. 
I have tried to investigate every avenue for lowering the interest rate, consolidation, forgiveness, or anything I could do to help us with this now huge loan. It is overwhelming. I thought that we had borrowed money from a safe place for families who needed help to send their children to college. I was very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Fraudulent card opened under my name with the following information. Citibank is not able to find and close the account. It is a case of identity theft. 

A new account has been opened XXXX XXXX, 2017 Address XXXX XXXX XXXX   XXXX XXXX, SD, XXXX Account Balance {$110.00} Account Number XXXX Creditor Name CITICARDS CBNA Industry Type All Banks

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Harvard Collections, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They Refuse Too Remove This Collection Off My XXXX Credit Report I Had Health Insurance From My Employer During The Time Of This Service And Bill

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There was a collection account with  XXXX   XXXX   ,   XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611  Procedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) N otice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Customer service / Customer relations

Complaint: Synchrony Bank has XXXX of the worst phone IVR systems that forces you to speak instead of inputting number options. This causes extreme frustration to a consumer by the time they speak to a human. I will be doing everything in my power to never give Synchrony XXXX more penny of my money. After 15 minutes trying to navigate the system, you then can not even get account information for a card that I OWN and need a number for immediate payoff. There is a reason this company is at the bottom of the cesspool.

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 12/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: There was Two charges that appeared on my Credit card on the XX/XX/XXXX,XX/XX/XXXX For Light bill and Cable bill that was paid. On the XX/XX/XXXX I called in notified the company and began the dispute. On XX/XX/XXXX They Credit is back the {$520.00} which is the total of  {$170.00} Light bill and {$340.00} Cable bill.The Company reverse the charge of {$340.00} on XX/XX/XXXX because i had the same cable company. Spoke with the fraud department which gave me a fax Number .To send bill from the cable company to show that My account has n't been as of yet and the amount of the charge an my is n't the same amount. which @ the time XXXX which is a past due of 2 months. Now on the XX/XX/XXXX they sent me a letter saying We have researched your claim and results that this is my charge. So i research myself. They do n't have the account to that was paid with my card. So they ca n't match and assume that the charged is valid because of the company. So I spoke with the Company fraud department again and faxed over the new bill which is then {$330.00}. because it still has n't been paid. It was denied again. I have the bills from the past six months the prove that charge is n't mine and that no payment has been made since the issue has been going on.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX has XXXX credit inquires ( XX/XX/XXXX & XX/XX/XXXX ) on my credit report that were not authorized.

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 08/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Bank of America inexplicably closed my checking account after two days and after I had already scheduled deposits into the account. They claimed it was for " business reasons '' and refused to offer any explanation beyond this.

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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Additional interest and late fees charged.

Company response to consumer: Closed with explanation