milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: To whom it  may concern at Navient 's Office of the  Customer Advocate, I would like to complain about what I believe is a misleading and predatory practice.     I was able to resolve this issue for myself but I would like to go on record with my objection to it.     I have  XXXX  student loan through Navient from classes taken a few years ago which I make monthly autopayments on.     Yesterday I paid for classes at my new  XXXX  's program via the University 's web portal with NO intention of deferring my current loans or stopping my autopay function.     Today I received an email from Navient announcing, " Congratulations, your request for deferment has been approved! Please log in to your account for more detailed information about your deferment. '' I did NOT make a request for deferment. I found this email alarming and assumed someone had broken into my account.     On my account homepage, I found out my autopay feature had been removed and there was no way to even DECLINE or RESET the deferment which was set  until 2020.      I just got off the phone with a customer service rep and had to insist he REMOVE the deferment that was preventing me from signing up for autopay.     Please add this to the list of practices that are obviously designed to prevent customers from making thoughtful decisions about their loan management and entrap them into years more of debt than they even requested.     I also sent a copy of this message to the Consumer Financial Protection Bureau.     Thank you.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: In XXXX 2017 I tried to contact Capital One Bank to determine the balance due on my credit card. I tried to contact them by phone & online. I spent many hours on hold and received no response to my email. I became concerned because I feared If I ever lost the card I would not be able to contact them. After 2 days I finally reached an operator. 
I told her I wanted to close the acct. She informed me that until the full balance was paid the acct. I agreed to pay full amount of approximately {$700.00}. I mailed a check on XXXX XXXX,2017 I sent the full amount due. The next month I received a bill for the balance plus interest. I called my Bank & was told check had not cleared. I called Capital 1 & told them they should cash my check. They denied having received the check. I asked to because I wanted to report the check stolen The Operator refused to connect me. 
But they continue to send me offers of higher credit lines and " Platinum Credit Cards.

Cleary they are keeping the account open because they want my business. I filed a prior complaint with your agency but I was very disappointed because all they did was call Capital One & ask them what the problem was. There response was She has n't paid. Your response was you have to pay them. 

I am willing to put a stop on my initial check if Capital One removes the interest charges and bills me for the original balance & provides me the name of a specific person to send the check to via USPS Return Signature requested

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've contacted  Navient  regarding my student loans and that it shows I was 120 and 90 days late on paying, which was not the case due to the fact that my student loans are in deferment status. Navient representatives have notified me that these were going to be removed but they are still on my reports, hindering me from credit and other opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I 've been reported to  XXXX  because of an account opened in my name. I have contacted this bank numerous of times as well as the consumer reporting agencies and nothing has happened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed the account with TransUnion in which TransUnion corresponded that the account with XXXX XXXX is valid. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX Bank regarding the alleged account. TransUnion was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged account and the creditor XXXX XXXX Bank can not validate the alleged debt?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I would like to dispute lien XXXX in the matter of {$5500.00} which appears on my credit report. I have been attempting to communicate and contact Equifax regarding the incorrect and invalid lien and they continue to harass me and ignore me. I have been denied all requested descriptions and procedures and realistically asked to go away and not bother them over the phone regarding the matter. I am appalled at their behavior they are sternly refusing to provide me any proof, documentation and evidence of their investigation and have told me repeatedly that it is not in the " law '' to provide me with any information. 
They have also claimed that they have received NO communication from me reading the matter and that is in fact false. I have faxed and mailed the LIEN Release form XXXX and Form XXXX regarding the disputed lien and they claim to have not received such documentation and communication. This company is clearly not doing their job nor anything legal for that matter. I would like to escalate my matters further. I have suffered tremendously due to their ignorance and refusal to follow the federal guidelines. I have asked for public record documentation an the best that I have seen was a form from 2009 regarding the initial lien. The dates or incorrect and the legitimacy is incorrect and this account should NOT be reporting on my file. I am no holder of a lien nor am I indebted to anyone. I have told them over an over again that the address of the lien was incorrectly linked to my name, as I live their as well. The lien is under a XXXX XXXX at the SAME address.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX, XXXX - Address : XXXX XXXX XXXX XXXX, MI XXXX was sent by XXXX XXXX to collect a measly debt from me which was really unauthorized in the first. I agreed to their offer to pay {$34.00} and then they went and put it on my credit report costing me an extra quarter point on my home mortgage. They offered the settlement. I would never have agreed had I known they would do this. At this point I 'd be willing to pay the bill in full if they will remove the negative report. My other option is to go to small claims court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: In early XXXX, I noticed unauthorized charges on my Wells Fargo credit card. I called Wells Fargo and was told it would be looked into and adjustments would be made. Approximately 2 weeks later I saw that reduction of approximately {$600.00}. Had been made to bring credit card balance to approximately {$1.00}, XXXX. ( I 'm on a fixed income so as usual when I get paid once a month I pay my bills imediately so not to fall behind ) Well! I get a letter from Wells Fargo saying that " because I had made my monthly payment '' Wells Fargo has reversed the non authorized charges and put the non authorized charges back on my Wells Fargo credit card for me to pay. So Wells fargo did not and does not want me to pay my monthly payment. saying : if I make my credit card payment I 'm to be penalized simply for paying my bill. ( When I paid my  bill the corrected amount was showing. So therefore it said $ payment was due on the adjusted {$1600.00} credit card balance. So now I 'm not going to pay Wells Fargo Credit Card - per Wells Fargo if I pay it it 's  validating the transactions that were not mine. That seem illegal - if I pay I 'm penalized, if I do n't pay my monthly payment I 'm penalized .... So it appears I am not to make my Wells Fargo credit card so I wo n't be penalized? Now my credit card info is all messed up they have made a mess of this and it was already adjusted to {$1600.00}. Not a single person said " do n't make you monthly credit card payment or you will validate unauthorized charges and have to pay the unauthorized charges. I 'm so disgusted that Wells Fargo would do such a horrible thing to any customer - it 's shameful and Wells Fargo gets my XXXX check auto deposited.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

Equifax is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I have tried to file this over the phone but it did n't work. I am near a public library now and am able to attach this  Macy 's card that I have made at least 15 calls about and been called a liar, received two ( emails from Macy employees -- one was nice  the other did n't even speak, just sent an attachment? like I would open that on a friend 's smartpho ne? ). ( see  attached, ca n't locate email from  XXXX   XXXX  -- he was pleasa nt ) The following days after contact from Macy 's  personnel, I received offers to use m y Macy  's card that there was {$50.00} credit on it for me. ( see attached ) I am sick of them. I know their company is doing badly but leave me out of it. DO NOT SEND CARDS AND THEN YOU CA N'T USE THEM.     That is wrong and tell me you tried to reach me but n o one ans wers. I do n't have a phone, you silly geese. You  CAN survive as an ID Theft victim without one an d it is better.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX exposed my personal data. 
XXXX offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
Transunion and XXXX want to charge for credit freezes unless there is an identity theft report. 
I believe that XXXX should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that Transunion and XXXX should not collect a windfall profit from the mistakes of XXXX due to the reaction of responsible citizens trying to protect their credit.

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 11-11-2015 about Debt collection (Credit card) with Kirkland Asset Management LLC (NY).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Kirkland Management XXXX, CASE # XXXX called my daughter 's in-laws asking where I was and complaining about a debt they stated I owed-my telephone number is listed and I live in XXXX-they called the above in XXXX in an attempt to discredit and embarrass me with my family-in addition, discussing private information with parties not associated with the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (I do not know) with Harris & Harris, Ltd. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2018 XXXX. 
This is the third time this robocall system has called. 
This number is a government office - not assigned to an individual Call from XXXX Harris & Harris Ltd. 
Call to XXXX XXXX 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 05/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I submitted application on   XX/XX/XXXX to XXXX XXXX a home mortgage consultant, I informed her of recent purchase of a home XXXX and I was seeking a loan for a home remodeling project.  I indicated that I was a customer with Wells Fargo for over 25 years and had several active accounts.    
XXXX XXXX that I met their criteria and we discussed a XXXX  loan.  She indicated that I need to provide the following items:
	Two pay stubs from my wife XX/XX/XXXX & XX/XX/XXXX tax returns
	Mortgage statements on all properties owned
	Home owner insurance
	Pension statements
	Social Security award letters
 These items requested via a letter dated XX/XX/XXXX This was followed by request via the phone, a letter covering my wifes gap in employment, the requested copies of rental roles on all income property, they requested documentation on property sold in XX/XX/XXXX, as well closing statement on property sold XX/XX/XXXX, prior to purchase current home. 
Later the following items were requested:
	Year to date pay stubs for all jobs 2 years of XXXX forms for XX/XX/XXXX-XX/XX/XXXX Year tax returns, personal with all schedules for XX/XX/XXXX-XX/XX/XXXX (XXXX,XXXX,XXXX,XXXX and XXXX Mortgage note, good faith estimate or truth and lending showing the rate of primary and rental purchase
	YEAR TO DATE BUSINESS PROFIT/LOSS STATEMENT GOOD THROUGH XX/XX/XXXX
	 MORTGAGE NOTE, GOOD FAITH ESTIMATE, OR TRUTH IN LENDING SHOWING THE RATE ON THE PRIMARY AND RENTAL PROPERTY ARE FIXED RATES COPY OF THE HUD1 SETTLEMENT STATEMENT FROM THE RECENT PURCHASE OR REFINANCE OR SALE OF A PROPERTY
	 PROPERTY TAX STATEMENT FOR ALL PROPERTIES
	XXXX FORM SIGNED BY ALL BORROWERS PLACE A X IN BOX XXXX, PLACE A X IN THE ATTESTMENT AT THE BOTTOM, PROVIDE ALL SS#S, LEAVE LINE XXXX BLANK
	 LIST OF HOME IMPROVEMENTS) NEED A BRIEF LIST OF HOME IMPROVEMENTS.  HAS ANY IMPROVEMENTS ALREADY STARTED OR ARE WE WAITING FOR THE FUNDS?
	 BORROWERS CERTIFICATION

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 05-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I also tried to dispute it with XXXX and Experian but they both put a wall up as well. I suspect they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all three credit bureaus past the XXXX years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.

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 03/15/2016 about Consumer Loan (Installment loan) with Aldous & Associates, PLLC (NC).
Issue: Taking out the loan or lease

Complaint: I spoke to Aldous & Associates " Attorneys at Law '' I have been getting harassing calls since XX/XX/2016.. Today I called in wanting to inquiry the validity of the debt requesting more information man named XXXX identified himself as the supervisor was very rude, kept demanding balance in full before verifying validity of debt. He was very argumentative, denying me speaking to someone else, denying request for validity of debt. Verified wrong address, would n't let me discuss kept saying well that 's what fit for life sent us. XXXX also denied me speaking to another supervisor, was over talking me, I could n't believe a person representing this company speaking to me in the tone he did, it really surprised me knowing he represents attorneys at law knowingly and willingly violated several laws regarding collections..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hi    XXXX   got my wrong date of birth from some sources.     To correct it I have sent  two  documents  ( DL & SSN ) to    XXXX   on  XXXX   XXXX .     They confirmed over the phone they will update withi n 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the docu ment and they are completely clueless why they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks  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 07/20/2015 about Debt collection (Medical) with Jzanus Ltd. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Threatening to report to credit agency amount in dispute. I have asked the the debt collection agency what the amount due is for and they tell me to call the hospital. Since they have no billing info there is nothing I can call the hospital about. Spoke to Supervisor XXXX XXXX, on XXXX/XXXX/15 who said he would contact hospital and find out what the amount his office is billing is for and call me back on Monday XXXX/XXXX/2015. A week later and he still has not called. I tried to call him today and was unsuccessful in getting him to the phone.

Company response to consumer: Untimely response
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (NV).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: My complaint is for an insufficient funds fee of {$29.00} that NFCU charged to me on XX/XX/XXXX. They claimed that a company by the name of XXXX XXXX attempted a withdrawal in the amount of {$45.00}. Being as though this is a secondary account the funds are kept minimal and since I was not expecting a debit, the funds were low. I get an unexpected notice of an item being returned. I contacted the merchant twice and both reps told me they did not attempt a withdrawal as my last request for XXXX XXXX XXXX was on XX/XX/XXXX and I used another account that went through successfully. I feel as though NFCU is erroneously stating that XXXX XXXX attempted the withdrawal and then charged me the fee. Normally a company tries at least 2 times to debit a payment and another tempt was n't even paid. I even transferred funds in the account in the event they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Problems when you are unable to pay

Complaint: GMAC HAS AN ACCOUNT OSTED ON CREDIT REPORT THAT IS PAID OFF. THEY CONTINUE TO TRY TO COLLECT ON DEBT, POST ON CREDIT REPORT AND STILL OFFER TO DO PARTIAL PAYMENT AND XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation