milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to XXXX I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit card () with DISCOVER BANK (MI).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX, 2016, I purchased a smart XXXX Watch XXXX XXXX XXXX at XXXX XXXX for {$290.00} ( excluding tax ) using my Discover XXXX credit card. I found a lower price on XXXX XXXX, 2016 for the same exact item on XXXX for {$220.00} ( excluding tax ). On XXXX XXXX, 2016, I submitted a claim for Discover 's Price Protection, a program which reimburses you for items purchased with your Discover credit card if you find a lower price for the item within 90 days. The claim was for {$71.00} ( the difference between the price I bought the item for and the price I found a few days later for the same item ). When I filled the claim, the claim representative indicated that watches are excluded per the terms and conditions. I read the terms and no where did it state that watches were excluded. The representative claimed that watches are considered jewelry, which is excluded in the terms and conditions. I asked the representative if you can turn on and off jewelry items as my claim was for a smart watch that can be turned on and off. She agreed that you can not turn on and off jewelry items, and then gave me a claim number ( XXXX ) to submit the proper documentation. I called to check the status of the claim and was told it was denied since it was a watch. I spoke with a women in the President 's Office of the claim administrator and they indicated that Discover gave them directions to exclude any item that even included the word " watch '' in the product name. I explained that the XXXX Watch is a smart watch that is not sold in jewelry stores or in the jewelry department. Moreover, I explained that the XXXX Watch is essentially a mini computer that you wear on your wrist, that can make and send text messages, calls, and even check the current weather ; I explained that the XXXX watch is an electronic and not a jewelry item. She indicated that this is not the first time that a smart watch has been denied and it is under the direction of Discover. I called Discover prior to this conversation with the Claim Administrator, and the Discover customer service agent filed a inquiry regarding this subject matter and said the executive office may or may not contact me back. Discover never contacted me back. My claim was denied because Discover is claiming this is a jewelry item even though the claim administrator representative on XXXX agreed that jewelry can not be turned on and off and thus agreed that the XXXX Watch was not a jewelry item.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX was previously deleted from the 3 credit bureaus and reinserted without any notification.

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 04/17/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Local Chase  branch continually calls me when I have 'large ' sums of money in my checking account trying to get me to setup either an additional savings account, investment account, or something similar. These calls come from multiple people, and it 's not acceptable. I get these calls throughout the year due to being self-employed and paying my estimated taxes, as those payments come out of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX I had all my loans consolidated into direct loans and applied for and was accepted into the public service loan forgiveness program. I learned on XXXX/XXXX/XXXX that XXXX of these loans from XXXX ( which happen to be among the oldest loans ) were never consolidated. At that point, 2 years into the public service loan forgiveness program, I am told that they will have to be consolidated and the clock for these XXXX loans, which account for 20 % of my balance, will begin once this additional consolidation process is complete. 

This error leaves me with an additional two years of loan payments I would not otherwise have been required to make. 

I have presented this issue to Fed Loan Servicing via electronic submission and mail as well as phone calls made to the general customer service number and the ombudsman. The resulting communication from their representatives was that this has happened to others and the situation can not be helped. 

Thank you for time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Paid off Student Loans through  2  separate electronic payments one for Education Loans and  one  for Private loans. Navient provided me both payment addresses to send my check to. Well they received the check and processed them all on my  Education  loans. Now they are saying that it is my fault because I sent the checks to the wrong addresses. They say it will ta ke 4-6 weeks to refund one of the checks and re allocate to the correct loan. This was 60 days ago. They are now reporting that my  loans are 60 days past due to the credit bureau which has brought my score down by  XXXX  points and still calling me on a daily basis asking for a payment. They told me until the payment is processed correctly my loans are past due and they ca n't remove it from my credit on their end. Paying off my student loans should have made my score go up and should be celebrated, but it 's been a nightmare dealing with Navient. I am thinking about taking legal action.They are fraudulent and criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I called XXXX XXXX XXXX to submit a fraud claim against XXXX an online money transfer service which took {$400.00} out of my account without my permission. I have checked the account for mircotransactions to see if XXXX used this trusted method of 2 step verification and they did not. Per their website the only other possible way for someone to use XXXX to send funds is to use my username and password for Chase ( I do not have a XXXX account and have never had one ), but I do not see that anyone has logged into my account other than myself. Upon filing this claim via phone with Chase I was informed that the only way to ACTUALLY submit the claim is to sign a form and mail it in or have it faxed. As it is no longer XXXX I do not currently have a fax machine and I do not regularly use the postal service because of the existence of the internet. This means that I am forced to either buy a fax machine ( and a landline service to attach it to ) or purchase an envelope and stamps to mail it in. Failure to mail in this form will result in the bank rescinding the account credit for the fraud and leave me ( the innocent party ) to pay for the transaction in the first place. Per Section 205.11 Procedures for resolving errors : States that if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an EFT that should have been included. Using this logic : my phone call has satisfied the requirement of regulation E and that further notification or written statement should not be required. However, I am more than willing to provide said statement should Chase offer me a cost neutral means of doing so. I would ask that the CFPB enforce regulation E as written and not allow banks to make up their own barriers to make it difficult to file claims particularly as we may not all currently reside in the United States or have access to said measures.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Consumer Loan (Vehicle loan) with MARINER FINANCE, LLC (MD).
Issue: Taking out the loan or lease

Complaint: I submitted a complaint to you all back in XXXX of 2015 n regards to myself and Mariner Finance please use my previous information to locate that complaint as it is vital to the complaint I making today- Mariner Finance hired a company by the name of XXXX XXXX . XXXX XXXX hired an employee by the name of XXXX XXXX. XXXX was hired to have me served in order to have a judgment by the court of law placed on me for the remaining balance of the car they sold after repossessing the car from me in XXXX of 2015. The cause of this repossession was not at all my fault I purchased a money order in the amount of {$430.00} on XXXX,2015. Mariner swore they never received the payment. I went as far as tracking the money order complaining to the post office raising XXXX, faxing proof to Mariner. On XXXX XXXX I received a call from " XXXX '' from Mariner Finance very rudely asking me what my intentions are? I begged his pardon and asked what are you talking about. He said to me a payment posted to my account XXXX XXXX for {$430.00}. I laughed so hard and said I have not sent you all a dime since you took my car that was the payment that you all claimed you never got. Just as I thought my payment set on someone 's desk the entire summer. It was probably mishandled for the week it came in was XXXX of XXXX. As you can see there are several issues here and this has caused a great deal of stress. For additional info please see previous complaint made back in XXXX. However this time we are dealing with Fraud!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, I recently discovered XXXX unauthorized hard credit pulls on my credit reports. XXXX with XXXX and XXXX with Equifax. 

All XXXX requests were made with XXXX XXXX, where I have a longstanding financial relationship but I DID NOT seek credit or authorize a hard pull of my credit reports in these instances. After the credit bureaus summarily dismissed my disputes, I contacted XXXX XXXX, which says they have no record of my applying for credit on these dates. So now I am stuck with these hard inquiries that may or may not be the result of a fraudster using my personal information. 

I have initiated a credit alert to avoid further damage. It may be just an honest mistake at the bureaus, but my credit score is now hurt as a result of these unauthorized credit pulls. I need them removed. XXXX bureaus refuse to do so and will not provide any information as to how they deemed these inquiries to be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Credit card) with Innovative Credit Solutions (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have continually asked this collection agency to Cease and Desist on collection activities, including removing from all three credit reporting agencies, and they have yet to comply. They have been unable to furnish a validation of debt, as the original creditor information does not match the information they are reporting. What they are doing is a direct violation of FCRA Section 623 ( XXXX ) ( A ) : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I have furnished proof that not only is the amount they are reporting incorrect but it is well beyond the statue of limitations of 7 years and 180 days for collections. As this account is now XXXX since delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax is reporting unverified accounts on m y credit report. This is in violation of the Fair Credit Reporting Actm Section 609

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am a mortgage customer of XXXX XXXX XXXX. They are advertising on their main website that you can check for credit card offers, get a decision in less than 60 seconds, and there will be NO effect on your credit report/score. I filled out the information, expecting XXXX to do a soft pull on my report, but they pulled a hard copy credit report. I have the page printed that I am referring to, and also spoke online with one of their reps tonight. He said he would refer it to their main office. I have a copy of the main page as well as the online conversation I had with the rep. Unfortunately I ca n't get it to scan where you read it clearly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: XX/XX/XXXX BILL PAY XXXX XXXX ON-LINE XXXX ON XXXX {$400.00} XX/XX/XXXX Advised Wells Fargo payment made by mistake to XXXX card. 
Requested stop payment on bill pay. WF stated they made a wire transfer to XXXX not sent a check and would not reimburse my account via stop payment and that I had to contact XXXX. Filed claim # XXXX with WF to get funds back. They said it would be 10 -14 days to resolve. 

XX/XX/XXXX Also contacted XXXX XXXX to request funds be returned. They stated that XXXX   no longer will forward funds to new XXXX XXXX accounts with XXXX . They said they have no way to access my old account and when received funds are returned by them to sender in this case would be Wells Fargo. 

XX/XX/XXXX No response or resolution from either Wells Fargo or XXXX. 

Please help me recover my {$400.00}.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, XXXX and Experian are showing inaccurate information on my credit file a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and XXXX is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action

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 09/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our complaint XXXX to the CFPB illicited an answer to our lawyer XXXX XXXX from the attorney of Nationstar, XXXX XXXX XXXX. This answer brought an other claimant to our Note, this time XXXX. It is as usual the same circular rhetoric not answering the question who is the REAL OWNER of our Note. It answers only the part of the servicing and their rights. Calling the number of XXXX, which they gave in the letter XXXX does not answer. Ask the question about your loan, they answer and forward you to a number which does not respond. As the Grantor/Beneficiary of the DOT, our question has been, who is the Holder-In-Due-Course of this alleged Note they are trying to foreclose on. 
The Lender on the DOT, which we the Grantor/Beneficiaries executed, did not declare a default. 
First of all, where is the Authority that Nationstar Mortgage LLC is the Servicer for XXXX? After all Nationstar Mortgage LLC, became the servicer XXXX XXXX, FIVE MONTHS after the last payment was submitted, as well as the assignment to XXXX was recorded XXXX XXXX, TWO YEARS later and again recorded to XXXX XXXX XXXX, FOUR YEARS later and they are the servicer? 
The fact that Nationstar Mortgage became the " Servicer? '' 5 months after payment was submitted makes them under 15 U.S.C 1692 a debt collector. After 90 days the Insurance which we the grantor/beneficiary paid for, satisfied the loan. Nationstar bought the loan as debt collector and is trying to collect a debt due to others. There is no authority from XXXX. 
Facts which Nationstar has used in correspondence, court arguments and it the CFPB, why they have a right to collect : # 1- XXXX XXXX is the Note Holder # 2- Nationstar Mortgage LLC is the Note Holder, evidence a Corporate Assignment by XXXX for value granting Nationstar the Note # 3- XXXX is the Note Holder in the letter dated XXXX XXXX, XXXX. 
NATIONSTAR MORTGAGE LLC needs to be investigated for fraudulent practices, including their lawyers.

Company response to consumer: Closed
Consumer complaint received 03/14/2016 about Debt collection (Credit card) with CITIBANK, N.A. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 4 or 5 phone calls a day with no one on the other end of the line

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 07-06-2015 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Other

Complaint: I was billed a late fee and subsequently charged double the minimum monthly payment for XXXX XXXX billing period. A payment in the amount of {$30.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Belk 's Credit card/Synchrony Bank, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX, XXXX and XXXX ( Supervisor ( s ) of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised that they would remove the late fee but as a XXXX courtesy but the double payment of {$74.00} is still due. I asked for her manager and she stated XXXX XXXX was not in the office but I could leave a message. XXXX transferred the call to XXXX XXXX voicemail. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office location is in XXXX, NC. Both XXXX and XXXX were rude and condescending basically stating that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I noticed that there are XXXX federal lawsuits against the Navient Corp for the way they handle consumers who requested repayment plans. Exactly what happened to others about their student loan happened to me. I called the company and requested to work a payment arrangement based off income. They said they would get back with me. When I did n't hear from them I went into my loan information online and found they had deferred my loan. This was the second time they had done this in 2 years. I am willing to make the payments, but my income was not going to accommodate the amount they were requiring. This loan comes off deferment next month and I will again call them to arrange payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a Parent Plus Loan for my daughter starting in XX/XX/XXXX, I file for Bankruptcy in XX/XX/XXXX-XX/XX/XXXX, I was told by my attorney that my student loans would not be a part of my bankruptcy because they were federal. My loans were in deferment, In XX/XX/XXXX my loans were transferred to XXXX and XXXX. But in the process on my credit reports my loans from XXXX XXXX, XXXX for {$6800.00} and XXXX XXXX, XXXX for {$22000.00} is derogatory from Sallie Mae, the reason stated is that the " debt being paid through insurance ''. It is only on these XXXX accounts. But on my XXXX and XXXX accounts with the same amount, it is current and paid as agreed. I have been trying to correct this since XX/XX/XXXX, if I could not pay my student loans, I would always get a deferment or forbearance. All of my Parent Plus loans were consolidated XX/XX/XXXX including the XXXX listed above.

Company response to consumer: Closed with non-monetary relief