milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For some reas on Convergent has not sent me proof o f my obligation of this alleged debt as requested and continues to report this trade-line to the  XXXX  major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed.     I disputed this account directly with Convergent on  XXXX   XXXX ,   XXXX  . To date, Convergent continues to ignore my requests and they continue to ignore my consumer rights.     I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted.     Who verified this account? What documents did they use to verify? Where are the documents used to verify?     The only correspondence that I received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention tha t Convergent know th ey can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Convergent is blatantly disregarding the law.

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 05/24/2017 about Debt collection (I do not know) with Receivables Outsourcing, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: company keeps calling saying that they are collecting a debt. They will not tell me who they represent and ask for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Late fee

Complaint: Citi XXXX card charges a {$25.00} late fee AND interest. That 's outrageous! The late fee is high and the company is charging TWICE for an error.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: in summer XX/XX/XXXX and again in early XX/XX/XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to my report. it is illegal for an item to be added back to my report without you getting written notification 5 days prior to it appearing. This was transunion issue and not mine. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. The representive XXXX that I spoke with told me that he would not be removing them as of XX/XX/XXXX at XXXX. These inquiries add a hardship and my rights were violated by TransUnion. I am asking that TransUnion stop victimizing me. As a resolution, i am asking that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 06-05-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Credit determination

Complaint: I requested an extension of my creditline, but before I did that I explicitely asked the AmEx creditbureau ( call has been recorded ) if I would get a 'hard hit ' on my creditrating. They explicitely told me this was not the case, so I proceeded. 
I just have been informed that they have put not XXXX, but even XXXX hard iquireries on my creditfile, which is hurting my credit. This is a particular issue because I am an XXXX, and XXXX only XXXX months ago, so I am trying to build up my credit, not break it down ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a house in XXXX in New Mexico, through XXXX. The first loan was for $ XXXX, a secondary loan for $ XXXX. The XXXX loans were then sold to XXXX, then sold to XXXX XXXX XXXX, then to Green Tree Servicing LLC -- XXXX institutions in 4 years. By XXXX, when the mortgage payments kept going up, we lived on our credit cards and loans from family members in order to keep afloat. My XXXX children and I could no longer continue like this. I contacted XXXX XXXX XXXX and Green Tree to notify them we would n't be able to continue making payments. I then contacted Realtors attempting to place the house with them to cover the mortgage. I was told the large house would n't move for months. My children and I moved to more affordable housing out of state. We left the house in pristine condition : cleaned throughout, new paint in the guest house, septic system cleaned, termite inspection conducted, another refrigerator in the garage, and turned the house keys over to a neighbor so the house could be inspected -- in other words, all done in good faith. I tried working with Green Tree Servicing to have them handle the sale of the house, but was told by XXXX of their departments that I was 'an absentee landlord ' who only wanted to capitalize on this empty house and profit from being an absentee landlord. With a Realtor in NM, I tried short-selling the house so it would n't go into foreclosure/sheriff 's sale, had several potential buyers, but Green Tree refused to consider the offers. After that, a sheriff 's sale was speedily arranged, and took place in XXXX XXXX with Green Tree Servicing selling the property to itself for $ XXXX. I was hounded by Green Tree for the whole loan itself, when I had been paying $ XXXX on the $ XXXX, and $ XXXX on the $ XXXX for 49 months. Strangely enough, little of those mortgage monies were ever credited to the loans. The $ XXXX was charged off and I was sent a form showing that I 'earned ' close to $ XXXX. My math indicates $ XXXX. Now Green Tree Servicing has sold the ' $ XXXX ' ( should be $ XXXX ) to another financial company : Ditech Financial LLC XXXX which is notifying me that I owe {$48000.00}. XXXX for these financial institutions. My family and I are still scrambling to recover from this financial disaster. The banks/financial organizations are still selling this paper to XXXX another and making money on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I obtained a copy of my credit report from  XXXX  and found negative accounts that should have been removed from my report permanently within  XXXX  days upon completion of the student loan rehabilitation program. I successfully completed the program in  XXXX  of  XXXX . I spoke with multiple associates from Navient on multiple dates receiving misinformation that I would be mailed a letter from them stating that Navient no longer carries my student loan debt, as my debt was transferred over   XXXX    years ago, and that they would write the credit department and have the negative accounts removed from my credit report. I was even told that the debt removal would be reflected on my credit report by the beginning of  XXXX ,  XXXX  at the very latest, and after the  XXXX  phone call, that I would be getting an e-mail of this to fast-track the process. The U.S.  Dept. of Education su ccessfully removed the negative accounts on their end. After a duratio n of over  XXXX   months of repeatedly calling and receiving this same information, this never happened. Upon finally speaking with a supervisor, I was told that  Navient would not remove my negative credit remarks at all and that I should have wrote a letter to Navient    XXXX   months ago to dispute this. None of this information was given by their employees by t he   XXXX   previous len gthly phone calls. According to sect ion 674.39 of the CFR, Navient must re move all of my negative accounts since I completed the rehabilitation program and it has been way passed   XXXX    days since completion. My  XXXX  phone call with one of Navient 's associates was back in  XXXX  of  XXXX , though this is the  XXXX  phone call I did not write down the name and employee ID for. All other dates, names, and employee ID 's of my phone calls are as follows :  - XX/XX/XXXX ,   XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX  ,  XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX ,   XXXX    XXXX  I am requesting that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I entered XXXX XXXX College, my father, a single-parent was only able to get a Parent Plus loan my first year. After that the financial aid department recommended XXXX and said it was the only option. When XXXX sold to Navient my government loan switched to private without my knowledge or approval. Fast-forward to now, my father, nor myself can not afford to pay the absurd amount of {$800.00} a month and I do not have the option to defer or have a monthly payment per my salary. This has put a great financial burden on myself, as well as my father who now works XXXX jobs in attempts to rectify this. Immediate help needs to occur as the Navient workers have been rude, and extremely unhelpful in any rectifying of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: A horrible company keeps trying to put an erroneous debt on my credit report ( XXXX of XXXX, XXXX ). I have disputed with the XXXX AG office, XXXX and XXXX. All have never received value info from this company and deleted the information from my credit report. However, Equifax is not reporting correctly. They show a statement " Consumer disputes this information '' and are showing a " reporting date '' of XXXX!! I cleared this mess up in XX/XX/XXXX! I have no idea why Equifax is not deleting the item which is hurting me financially, instead of putting some statement on as if I have not proven I do n't owe OR XXXX has proven that I do. Why are the allowed to make me look like a deadbeat and not delete this information? Equifax has shoddy reporting and I want this OFF of my credit report. I 'm attaching the previous letters & my complaint number with my AG office from over 2.5 years ago. I will also file a complaint regarding XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2016 about Student loan (Non-federal student loan) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: While attending graduate school at XXXX @ XXXX I was pressured by fellow students, professors and media to consolidate my loans. I consolidated my XXXX student loans with Nelnet with the understanding my interest rate of less than 3.8 % would be locked in and garunteed not to climb. Upon receiving the first statement, I found Nelnet already broke the contract by charging an interest rate over 5 %. I paid my loan until all my savings was depleted and I was no longer able to pay. My earnings are not enough to provide beyond basic survival. My loans were sold to XXXX XXXX, XXXX XXXX, and XXXX. Through college Assist I was offered a rehabilitation program for {$5.00} per month for 12 months to remove my loans from default status. When looking over the agreement I discovered I will be charged over {$30000.00} for the service.. This sort of fee is crippling on top of an already insurmountable figure considering my place in a ruined economy. The loan is increased by around {$100.00} a WEEK. I am being extorted. I find no offering of XXXX, deferment or forbearance offered. My requests went Un acknowledged by all contacted listed by the company. I 'm left with this rehabilitation program where I would be paying {$30000.00} plus approximately {$7.00} daily more as my only option of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I got a XXXX XXXX credit card ( XXXX ) a few years ago which was only supposed to cost ~ $ 50/year. Since then, I have never used the card I probably had to pay $ 500+ in fines, late fees etc. Several times I logged into their website and put my bank account for automatic payments. Also did the same by calling them. But every few months I get a letter which shows a {$40.00} late fee for a {$2.00} min fee that I failed to pay. I do n't want to pay late fees for automated {$2.00} payments that failed to process The company which is managing this card ( XXXX ) is a completely incompetent scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: My payment arrived on the due date ( arrival verified by the billpay service of my bank ), yet the credit card company takes a day to process / post the payment, and then hits me with a late fee and interest. 
Written on the monthly statement from the credit card company is, " If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of ... ''. When I ask the ccc why, since my payment arrived on time, I was charged a late fee, the ccc says, your payment was n't posted until the next day, and it 's the posting date that counts. Then I say, but your statement says the payment arrival date is what counts. The ccc just continues to say, over and over and over, that it 's the posting date that counts.

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 02-05-2018 about Checking or savings account (Checking account) with DISCOVER BANK (LA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Discover Bank Supervisor, did a third party call to The Social Security Administration inference to me of someone is rejecting my payroll, when they should be putting my payroll their, in my checking account. The Supervsior, at the Social Security staff sent my Payroll to a close account, instead of and Open account, XXXX XXXX, than is correct maybe two account should have been opened, due to XXXX XXXX fraud, of wanting {$1200.00}, for {$300.00}, when Discover Bank did pay them on my payroll!! XXXX is committing the Fraud!!! 

I did give the Supervisor XXXX XXXX, ( ssa ) the correct checking number, on a timely basis, to put my payroll check into my account, which is {$700.00}, and for 30 employers, it should have been $ XXXXx12x4 IS $ = {$4100.00}, {$700.00}, never. 

Discover Bank supervisor, called the Federal Agency, concerns about she have no control over a closed check going into a Closed Account, and she thinks it may take two up until two weeks, it will never take two weeks to process a check, that should not be rejected, instead. Only Fraud checks should be rejected, or returned, not a good Check. 

My employer, I updated the check at my employer, and it was sent immediately, the next day. 

Discover bank, when my mortage person cause my check to nsf, discover was supposed to take {$35.00}, Someone at Discover bank once took to {$260.00} of my XXXX bill and necessity money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with Trojan Professional Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This was a XXXX amount owed for a XXXX. I paid the balance in full to XXXX XXXX XXXX. They are stating that I was passed due and they refused to take this off my account. They were also sending bills to my wrong address. They had my corrected address but insisted that I still lived at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Incorrect information on your report

Complaint: I called the local branch on  XXXX / XXXX / XXXX  and explained that the account was closed in  XXXX   XXXX  and the lien was never released and has actually been renewed. The branch told me to call the  XXXX  number. I called the  XXXX  and after a lengthy hold, spoke with  XXXX  and was told the account is closed and the branch is handling the line of credit now. I asked how can the branch handle the account if it is closed. It was closed on  XXXX   XXXX ,  XXXX  ( I have a letter ) and the lien was never released, it was renewed.  XXXX  said the account is closed it should n't matter. It does matter, it affects our credit and our ability to get a line of credit at another bank. The new bank is questioning why th e Chase  line of credit is still open! Chase is renewing a lien on assets that they do n't have a right to lien as we DO NOT HAVE A LOAN AT  CHASE.  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion previously deleted inquiries and they were added back without notifying me in writing. According to FCRA Section 611, that is a violation of federal law. Please remove all inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the recent hack of Equifax and release of personal information, including my own according to the Equifax website, I run the risk of identity theft. I have protected myself as much as I can since the news of this hack was announced.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Payday loan) with Admin Recovery, LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Guy XXXX called me repeatedly on my cell phone and my job leaving messages. i called him back because i did n't know what it was. He stated that he was a lawyer and that his client was taking legal action against me because I had committed a crime and that I needed to pay his client today or I would be charged in court for the crime i committed. His number is XXXX ext. XXXX

Company response to consumer: Closed with explanation