milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My school submitted a private loan in-school deferment form XX/XX/XXXX, which had been approved until XX/XX/XXXX. The private loan Navient charged me for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with a late fee when the deferment form had already been approved in XX/XX/XXXX. I graduated XX/XX/XXXX and am frustrated with their customer service department. I have spoken to numerous customer service representatives who have given me conflicting information regarding my account and the forms that my school must submit. Since, XX/XX/XXXX, I given a great deal of effort calling and notifying my school registrar regarding these issues. My school registrar have made numerous attempts to fax, refax, and resubmit necessary documents to rectify this issue. Navient supervisors have also told me they would resolve and submit requests to correct the error on my account. 
During this time, I have been receiving unending inappropriate calls as early as XXXX regarding my account. Their calls continue to disturb my life and my peace. I am completely stressed from their calls and have now sought a counselor to talk about my stress issues. My health is failing from a precancerous growth in my body from the stress and now will need to go in for XXXX as well. 
Since, then, I have done my part to make payments from XX/XX/XXXX ~ I graduated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Medical) with Monterey Financial Services LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Multiple issues with Monterrey Collections : 1. An alleged debt was not billed to me by original creditor ( a medical lab ). 2 ) Original creditor ( XXXX, XXXX lab 's CEO ) represented only if an insurance payment was sent directly to a patient would collection attempts be made. 3 ) Alleged debt awareness was first made by collection agency -- no communication by original creditor -- XXXX years later than alleged debt. 4 ) Collection agency refused to disclose verification or documentation of alleged debt. 5 ) Alleged debt was reported to credit agencies ( XXXX ) before I was able to respond within 30 day notification deadline of receipt of collection letter. 6 ) Proof of insurance payment to XXXX XXXX regarding the alleged debt was sent to Monterrey Collections. 7 ) Monterrey Collections refuses to remove the debt or the negative credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Trouble during payment process

Complaint: received a escrow payment history from ocwen for the years XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. for everyone of these years a escrow account adjustment was taken out of my escrow account. on XX/XX/XXXX a escrow adjustment was done two times. on XX/XX/XXXX the escrow balance was XXXX on XX/XX/XXXX the balance was shown a deduction of XXXX no reasons given. on XX/XX/XXXX the escrow balance was XXXX a adjustment was made for XXXX. when I contacted ocwen they stated it was taken for a new modication. I called the CFPB they told me the escrow money could only be used for taxes and insurance .when you sigh papers for the new agreement to have your mortgage modification they never added any documentations stating they were taking money out of my escrow. there response to my questions have been to email me new payment numbers explaining it was done for the modifications. what is the purpose of a modification to help people who have fallen behind on payments. not to make a new agreement with trail payments and then take your money which has a surplus that should have been sent to me

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 08/21/2017 about Money transfer, virtual currency, or money service (Check cashing service) with BTH Management (TN).
Issue: Confusing or misleading advertising or marketing

Complaint: I was not aware that I owed this company this much..Its been years & Ive been thru a divorce so Im trying to get all my past due bills took care of ... And this company XXXX XXXX XXXX would not work with me so they turned it over to collection agency called Plaza Services & the opening date says XXXX-XXXX-16 so Im lost with that date cause I have not took any money from any company but one in years..The amount its stating I owe is 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 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My bill was due XX/XX/2015. I have received exactly XXXX calls in the last XXXX days, most with less than 1 hour between calls and today is ONLY XX/XX/2015. They were advised it would be taken care of as soon as possible yet I am getting phone calls some just minutes apart. I usually pay XXXX days ahead of time and I also pay more than my required monthly payment. This is harassment and I have advised them of that. I have also requested them not to contact me at my place of employment nor on my cell phone during business hours as it could ultimately cause me to have issue with my employer and if I get fired I wo n't have any means to pay the balances on my accounts. I do n't know if this call center is regulated by the FDCPA or the CFPB but they should be. I have never experienced a " customer service '' call center as rude or senseless as this and I have not done anything to be disrespected the way I have been, nor harassed for the last XXXX days consistently. I am outraged at the lack of compassion and reasonable reaction from these agents. There are many types of there are laws and regulations that protect us as consumers and I acknowledge that I have an obligation but harassing me is not going to resolve any issue, ESPECIALLY when it 's not even XXXX days delinquent. Due to daycare expenses for a single mother of XXXX during the summer months being double what they are during the school year a small amount of understanding should be shown. I have a perfect payment history with this company up to this month and they have n't even asked if they can " help '' me or what the under lying issue might be. I 'm not even certain if it is customer service or collection I have had to deal with. Regardless, they are harassing and abusing me as a consumer. I have not been this afraid to contact a company and work out a bill in a very long time. It is unreasonable and unnecessary phone Harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (NC).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Recently I filed a complaint with Wells Fargo and I am not happy with the response. Wells Fargo has provided previous bank statements showing another authorized user on my accounts but has not provided any signature cards or any written documentation that proves that " I '' added another person to my account ( s ). The instance of me removing the other user on XXXX XXXX is also questionable as I previously explained this person is a police officer and very manipulative. I attached documents pertaining to a restraining order that I had on this individual for intercepting other accounts. The years in question XXXX are also involved in other legal matters that have been tampered with in another matter. I 've also received notifications from Wells Fargo concerning class actions against the bank for opening accounts without user consent. Again I have a letter from the branch manager saying there is no written documentation of me adding anyone to my account ending XXXX. I have obtained legal representation for this matter as I will continue to pursue intensely.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Inquiries added to my report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested for the company to validate the with a copy of the original agreement bearing my signature. All I receive is copy of bill with a name that is not mine correct name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was convicted of XXXX in XXXX in XXXX XXXX, XXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX XXXX did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXXXXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Application, originator, mortgage broker

Complaint: I wanted to proceed with a mortgage refinance on my primary residence and I was rejected by USAA Federal Savings bank due to my debt to income ratio which was 48 %. The associate stated that the debt to income ratio should be 45 % or under. So I applied with my wife as joint applicants. We were turned down as well due to the fact that her credit score was below XXXX ( XXXX ). I am displeased due to the standards imposed in trying to apply for a refinance. We are hard working individuals that want to consolidate the XXXX mortgage loans into 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 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with documents their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. Thank you

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 01-03-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Forbearance / Workout plans

Complaint: Due to personal difficulties I faced in the winter of XX/XX/2013, I fell severely behind on my Bank of America credit card payments. Eventually, the company 's collections department presented me with a settlement offer in XXXX large installments. At the end of that year I received a Form XXXX for the shortfall as reckoned by the company and reported that amount as income on my tax returns. 

This account is being reported as a settled " collection '' account on credit reports that I have obtained. However, Bank of America is not reporting a " Date of First Delinquency '' for this account although I am told that it is a legal requirement to do so. This date is important for determining when settled accounts must by law be deleted from XXXX 's credit file. In particular, the state in which I live, XXXX, has a special statute of limitations when it comes to settled accounts, and so it is particularly important that Bank of America report this date.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX posted a 30 day late on my credit report for XXXX, XXXX and Transunion. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the XXXX system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from XXXX.
I sent a letter to XXXX with confirmation of my email confirmation as well as the debit from my bank. XXXX denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. XXXX asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked XXXX to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been having issues trying to resolve delinquent status with XXXX XXXX student loans. I have 3 student loans with XXXX XXXX and was always attending classes. While attending school, you are not forced to pay your student loans. On XX/XX/XXXXand XX/XX/2014, I was attending school like normal, but I took 1 class less than normal because I was in the process of moving. It was never stated to me, that if you take less than 4 classes you are considered " part-time '' and are forced to pay your student loans. I then moved to a new location and I never received any notifications that I was considered " part-time '' and had to pay my monthly dues for my student loans. I was still always enrolled in school and I did not have any due balance because while enrolled in school, you are considered to be a student and not pay XXXX XXXX student loans. On XX/XX/XXXX I noticed that XXXX XXXX was charging me for the months of XX/XX/XXXX and XX/XX/XXXX and since enrolled in school, I thought I did not have to pay, thus XXXX XXXX reported delinquent for 2 months for each of my student loans, which is 3 loans. So I received a total delinquent of 6 for the year! XXXX XXXX should of notified me, whether it was mail, or email regarding paying this loan because I took 1 less class then normal, it classified me as a " part-time '' student. There was no mention of this on the terms of the loan. Now because of this delinquent status, no bank allows me to obtain a credit card, or any loan! They should resolve this as this is effecting me as a student and my overall life due to a mistake that was not mine. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: This was an unused line of credit which has an erroneous report of late payment in XXXX of 2013. As there was never a balance on this account, there was also never a late 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 08-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have multiple hard pull inquiries well within the allotted 15 days. Multiple inquiries within 15 days of each other are to be treated as only XXXX inquiry [ for home mortgages and auto loans ] My inquiries were to get pre-approved for a home mortgage. XXXX and XXXX XXXX both pulled an hard inquiry on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX inquiries on the same day. 
Also XXXX pulled a hard inquiry on XXXX XXXX, XXXX and also on XXXX XXXX, XXXX. Only one day later. XXXX XXXX XXXX XXXX inquiries in two days. 
I want XXXX of these XXXX inquiries deleted, as per the credit bureau 's own rules. 

Also I want it known that I did not authorize The Pre-Check company to pull a hard inquiry on XXXX XXXX, 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 05/17/2017 about Checking or savings account (Checking account) with KEYCORP (PA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: The banks processing of transactions is always a day  or two beh ind which can lead to false account balance. Also rather than take foreign ATM fees out immediately they wait till statement ends and add them all together and if you do n't have the money in your account to cover them charge you overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/17 my bank account showed two pending credit charges to a company called XXXX XXXX. Both Charges were in the amount of {$190.00}. I contacted Regions Bank and they canceled my card, but told me it would be awhile while they research the possible fraudulent charges. So, two days before XXXX I have no money. I contacted the company and they said they were able to catch and cancel the fraudulent charges and issued a refund. Called Regions back and they told me they dont issue conditional credits while they research and there is nothing they can do until the investigation is complete. We spoke to a customer manager, XXXX XXXX, but when we called back we couldnt be reconnected to her for some reason. This does not seem fair or correct.

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 02/24/2016 about Debt collection (Federal student loan) with Delta Management Associates, Inc. (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I made a phone call to Delta Management Associates to inquire about the status of a loan rehabilitation application. The call was placed on XXXX XXXX at XXXX. While I was trying to obtain information, the Delta representative I was speaking to, a male with a southern accent, muffled the phone and started making jokes and laughing with a colleague. Based on the flow of the conversation, it can be safely assumed that he was making fun of the issues brought up during my call which constitutes abusive behavior and language. Abusive language does not need to limit itself to obscene language - it can also apply to tactics made to mock, diminish or otherwise ridicule a consumer. I felt ridiculed and his behavior was highly inappropriate. I requested to speak to another customer service representative and was transferred over to XXXX XXXX, who handled herself in a more professional fashion. This representative 's behavior was unacceptable and needs to be addressed promptly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Phone calls no one their when I answer looked online says its portfollio recovery I have no debt with them or anything in collections

Company response to consumer: Closed with non-monetary relief