milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have been in contact with Navient to attempt to get on IBR to repay my student loans, but I 've been given the run-around. I was on a $ XXXX/month payment plan for a year to get the loans out of default, but the payments did not get the loan out of default and no one has been able to tell me who has posession of my loans now. Every department I call tells me to call the other department that I previously called and they keep passing me off. I need help 1 ) obtaining the information regarding who has the loans, 2 ) obtaining information about the amount owed, and 3 ) getting on an Income Based Repayment ( IBR ) plan to pay the loans off. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}

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 01/18/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: td keeps blocking

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (ID).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Wells Fargo is again manipulating post to my account. Since XXXX XXXX they have taken 35 fees of XXXX XXXX out since XXXX XXXX. That is or XXXX worth of fees. I was one of the victims which they were opening up accounts I never 0pened. This is flat crazy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AE).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I requested an override to my XXXX XXXX payment so that I pay the correct amount and have it count toward the Public Service Loan Forgiveness ( PSLF ). In response to my separate Consumer Finance Protection Bureau ( CFPB ) complaint number XXXX, FedLoan Servicing responded that " Because an override was not requested until XXXX XXXX, XXXX, and no payment was made, we are unable to perform an override for XXXX XXXX. '' This is a wholly unsatisfactory response. I did not pay my XXXX XXXX payment because FedLoan Servicing : 1 ) miscalculated my income-driven payment amounts due to their erroneous interpretation of my spouse 's income three times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX ; 2 ) I was advised by FedLoan Servicing customer service agents multiple times by phone that I should not pay my monthly payments until their error surrounding my payment amount was resolved ; and 3 ) I was specifically advised by FedLoan Servicing agents that I would be offered a payment override so I would not miss PSLF qualifying payments ( this was of critical importance to me ). 

The XXXX XXXX, XXXX response by FedLoan Servicing to my complaint did not respond to the arguments I put forth about why my XXXX XXXX payment should be overridden and thus is non-responsive. My request to override my XXXX and XXXX XXXX payments because of their miscalculation error was approved. The company did not provide any logical reason why they could override the XXXX and XXXX payments but not the XXXX XXXX payment. 

A FedLoan Servicing agent indicated during my last interaction with the company by phone on XXXX XXXX, XXXX that the decision was being reviewed. Three months later I still have not received a response to my concerns. 

I request that FedLoan Servicing respond to my complaints and override my XXXX XXXX payment so I can pay the correct payment amount and have it qualify for the PSLF. 

I have attached the text of my original complaint and the responses I have received to date from FedLoan Servicing. 

Thanks for your attention to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Reporting charges that are not mine.

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 02-08-2017 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: Talked to XXXX XXXX XXXX XXXX XXXX at Quicken loans who is supposedly a senior mortgage banker about getting a mortgage. I told him I wanted to be able to pay the mortgage off quickly with no penalties. He told me that when most banks sell mortgages to other banks, the new bank can change the terms, including charging huge fees if you pay it off early but that Quicken does n't do that. I said I do n't believe that is true and that I did n't want to do business with a person who lies. I just think it was unethical and he should be reprimanded in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I just had a recent call from XXXX XXXX reps supervisor to call and tell me the samething her rep XXXX told me that when I reported my atm card lost and reported nothing was done in getting the finger pointed back at me telling me bank of America does not care both these women are unprofessional and rude I tried to explain to XXXX that I had tried to report this and nothing was done this is very frustrating that no one from this company takes anything serious I never owned an XXXX and im tired of being called a liar I want a manager to give me a call I 'm going to file more complaints with bbb, and the state of ga bank of America is not doing there job all they want to is call you and blame you and not resolve anything and I will not by no one from this company call me a liar when I reported my XXXX card lost and charges I did not make and I will not tolerate anyone telling me I 'm wrong is when none of this was handled right I do have evidence of me not owning a XXXX and I have other evidence to show what bank of America has n't done to resolve this but instead call me with excuses I want someone in hiring authority to contact me not XXXX nor XXXX, I called about a concern to report a problem and I 'm also going to the branch manager if I have to to get her to contact corp about this, I 'm tired of this and very angry that bank of America only cares about laying the blame on me instead of listening and pointing the finger please have a manager contact me asap thank you, I have never been treated with the disrespect and how someone calls you a liar unacceptable 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 07/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I wrote Green Tree Servicing , LLC. to correct the property address on all my statements going forward, and as of today, they have refused to make that said correction. The property address shown under account number XXXX ( first mortgage that they have recently acquired from XXXX XXXX XXXX, XXXX ) is : " XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX '', and under account number XXXX ( 2nd mortgage ), the property address is shown as : " XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ''. The correct address is " XXXX XXXX XXXX XXXX, XXXX, CA XXXX ''. I have been paying for this property since XX/XX/XXXX, and I would like to make sure that the bank is not doing anything fraudulent by not putting the correct address on homeowners ' records. I had wondered in the past why XXXX XXXX XXXX XXXX had allowed correction on XXXX Deeds using liquid white outs. Please help homeowners, like myself, protect our assets by making sure we are not victims of mortgage frauds. 

Green Tree Servicing Loan, LLC has also been incorrectly reporting the actual amount of money received from homeowners. I have recently paid {$560.00}, but they only show {$460.00} as " last paid amount '' on their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Other debt) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The site " XXXX '' is a self service debt collection platform. It is owned and/or affiliated by Fidelity Capital Holdings , Inc ; Fidelity Information Corporation and other corporate obfuscations. I received a " Collection Notice '' as initiated by the " Creditor '' ( XXXX XXXX ) dated XXXX XXXX, 2017. The letter was generated by using the " XXXX '' website that allows virtually ANYONE to report a consumer debt, in any amount. The letterhead of the Notice states the company name " Fidelity Information Corporation ''. This creditor using this Debt Collection agency 's online site by a means of extorting or " ruin my credit '' and is being allowed willfully by the Debt Collection Company. There is NO oversight for consumers by this website. Virtually ANYONE and WITHOUT a court ordered judgment or social security number, can make grotesque claims of debt owed and impair a consumer credit report and score. This creditor is demanding I remove an online review or " suffer '' credit consequences at an amount that is severely overstated. It is outlandish and should be in violation of the law. The CFPB has yet to provide ANY oversight to Debt Collectors that allow anyone ( John Q Public ) for a fee, report ANY debt amounts, including fictitious, that is ONLY validated by the any creditor ( individuals, businesses, anyone ) that can be used to perpetrate extortion! This is no oversight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing the XXXX hard inquiries that are on my Trans Union credit report. 
The inquiries are from XXXX Bank and they are : XXXX. XXXX : XXXX XXXX XXXX ) XXXX. SYNCB/Walmart : XXXX XXXX XXXX ) XXXX. XXXX : XXXX XXXX XXXX ) I have sent XXXX letters to Trans Union to dispute these hard inquiries and they have done nothing yet to correct the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Account opening, closing, or management

Complaint: To whom it may concern ; I recently sent a complaint via the CFPB against Navy Federal Credit Union, Case # ( Case number : XXXX ). I received a phone call from a representative from NFCU, XXXX XXXX on Tuesday, XX/XX/2017 @ XXXX. He left a voicemail to which I immediately called him back and we subsequently spoke for 35 minutes concerning my issues with his institution. He stated that he would either be calling me back later that afternoon or at the very latest the following morning, Wednesday XX/XX/XXXX to discuss his findings and the next steps accordingly. At this juncture, I have yet to hear back from him or anyone else re [ resenting this institution. I am extremely concerned that this account is now 54 days past due and I am in desperate need to try and resolve this before the 60 day mark. This means that I now only have 5 more days to rectify this situation or else NFCU will report a 60 day late to the ( XXXX ) credit bureaus ; XXXX, XXXX and XXXX. As noted in my previous claim and the conversation I had with XXXX XXXX, NFCU has already reported a 30 day and I fear extreme penalties with not only NFCU but additionally my other creditors accordingly. 

This is simply yet another example of how not one single person re [ resenting NFCU has carried out what they stated they would do. All the while, me the customer is paying for it via XXXX, financially and soon to be ever more so credit worthiness. I feel that this is unacceptable and simply do n't understand why no one seems to care enough. I would have thought that at the very least if the only motivational factor for the bank would be for them to get paid for the outstanding debts I have accumulated, they would at least rectify these concerns. I would appreciate someone calling me back today regarding both of the cases so that me and my family along with NFCU can hope to take the next steps so that we can all go back to some form of normalcy defined as no delinquent payments and 100 % visibility within my accounts. I can be reached absolutely any time @ XXXX. 

Regards, XXXX XXXX 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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding scams frauding my XXXX and XXXX and XXXX documents in XXXX PA shown fraud scams in XX/XX/XXXX time frame using log cabin XXXX XXXX Then others frauded my XXXX familys documents with XXXX XXXX None of those documents are from Pennsylvania state None live in Pennsylvania. State of any of these years Last time I was in Pennsylvania state was XX/XX/XXXX time frame But I went to XXXX high school in XX/XX/XXXX for 9 months before moving back to XXXX Indiana Indiana Others put in XXXX Pennsylvania frauding my XXXX Indiana high documents Federal not interested in Pennsylvania state and federal refuse any date offers from Pennsylvania state and won't marry into the state..

Pennsylvania state didn't own new York state one health department of XXXX XXXX XXXX from new York state of my birth father, Pennsylvania state doesn't own my XXXX county Indiana birth certificate attached to XXXX Indiana Indiana serial numbered documents of superior court of XXXX county Indiana, Pennsylvania state don't own my family 's XXXX serial numbered documents of XXXX Indiana attached to my grandma documents of prior home deed and marriage and divorce serial documents Frauding scams frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania state is not the owner of my grandma grandma or mom 's documents of XXXX death record and my great great grandparents have never lived in Pennsylvania state. 

Frauding scams using death record of XXXX XXXX married to XXXX XXXX sir name of XXXX a XXXX Indiana corners record and there last home which they owned was in XXXX AZ, but both barried in XXXX Indiana serial numbered grave and as serial numbered corners records.. private furnal..

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 09/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They 've called me XXXX times in 14 days ... and its still XXXX. So, I 'm sure I 'll get a XXXX more today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2017 about Debt collection (Payday loan debt) with Bronstein & Weiss Arbitration (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: This is basically started from a previous complaint # XXXX I filed, at that time I thought it was XXXX XXXX, but it was n't. On XXXX/XXXX/XXXX my girlfriend got a phone call from a lady named XXXX XXXX from phone number XXXX, in reference to me XXXX XXXX XXXX, this lady proceeded to tell my girlfriend that if I did n't resolve this matter, that they would turn it over to the District Attorney and have me arrested. At that point she called me and told me I needed to get to her house and talk to this woman, at which point I did. She told me that she had been contacted and had this matter turned over to her, funny thing is this is the same company that I talked to before. Incidentally she had told the whole story about this to my girlfriend and stated they would have me arrested if I did n't resolve it today. I talked to her on my girlfriends phone ( XXXX ) for approximately XXXX minutes, she told that I could be arrested because I had sent a check, which I never did and had created fraud against this Payday loan Company ( XXXX ), I basically was forced to sign a document under duress that I would make this matter be paid from my debit card, as they would no longer accept any checks from me. I will attach a file with the document in it to this complaint.

Company response to consumer: Untimely response
Consumer complaint received 11-03-2015 about Consumer Loan (Title loan) with TMX Finance LLC (MO).
Issue: Charged fees or interest I didn't expect

Complaint: I took this note out XXXX 2013 in the amount of {$1300.00} to help my son out. As of today I have paid in {$6800.00} with a balance of {$770.00} remaining. I was told this was a two year note and as you can see it has been 29 months. I was also told that my due date had been changed to the XXXX of each month only to find out yesterday that it was not moved but I have been receiving late fees each day I am past the XXXX of the month. I have requested a copy of my contract from TitleMax and hope to have by the end of this week.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following XXXX XXXX XXXX  XXXX credit card account : XXXX thats listed on my XXXX, XXXX and Trans Union credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with 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 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed bankruptcy XX/XX/XXXX listing XXXX as a creditor whom failed to show for the hearing. I also disputed this debt on my credit report with XXXX and it was removed only to now be relisted as of XX/XX/XXXX. This is a violation to myself and under the Consumer debt relief act under the Federal Law. I want this to be removed as I am asking in good faith that Convergent Outsourcing Inc . Attempting to deface my attempt to move on and get my credit back on track to keep from having to file a legal suit that they would place this back on my credit with a new debtors date for an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Citicards mixed up my account with another XXXX XXXX living in Texas who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX 's letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for six months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX 's as opposed to the XXXX 's where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for six months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: Scottrade provide me with the information I requested on how to file arbitration. It was previously brought to Scottrade 's attention that the arbitration agreements with Scottrade XXXX and Scottrade Bank are mutually incapable, thus I sought clarification on the specifics, as well as requested instructions on how to file a dispute. Scottrade has refused to respond. Furthermore, Scottrade has alleged that I would be responsible for significant administrative/travel/filing fee costs associated with filing an an arbitration case. I have requested information from Scottrade on how to remedy the prohibitively expensive nature of arbitration and have not received a response. I kindly request Scottrade provide information regarding how to file an arbitration claim against Scottrade, Scottrade Bank, and Scottrade XXXX XXXX and the differences in any arbitration agreements.

Company response to consumer: Closed