milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, XXXX, XXXX & Experian. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from CDIA - Consumer Data Industry Association which became law. None of these  credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the XXXX above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( Experian ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

To date I have not received this information and again they are stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus XXXX, Experian & XXXX. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Late fee

Complaint: Chase credit card services charged me a {$15.00} late fee before my bill was due. When going to pay my bill via phone on its due date, I was told my amount due was {$110.00} instead of the {$99.00} it should have been. Looking at my statement on my phone, I noticed a late fee charge. I asked the person on the phone what this was for and they said for paying my bill late. The lady on the other end got unpleasant when I questioned this tactic and how could they bill me for a late fee if it is being paid on the day it is due? Upon notifying them via online about this issue they credited it back to my account, however they did nothing to resolve the issue on why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (SC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: on Saturday XX/XX/XXXX I received an E-mail from Navy Federal stating "Member to Member" access was successful to a person named XXXX XXXX XXXX a person I'm not familiar with. I immediately contacted Navy Federal and told them this was unauthorized and the transfer was unauthorized too.......The representative changed all of my accounts restricted my online access. I was told nothing more could be done due to the fact this was during the holidays and the fraud department was closed and I needed to visit the local branch on Tuesday XX/XX/XXXX....I went to my local Navy Federal bank of which I was then informed I could not file a fraud claim until Wednesday because the transaction was currently "Still Pending" and there was still a possibility the transaction could be denied and my funds could be returned... needless to say the transaction was posted on Wednesday....I immediately called Navy Federal and reported my claim to their fraud department...The representative suggested that I file a police report...of which i immediately did....I needed some other information from Navy Federal so I went to my local Navy Federal and the young lady told me I should have half of my money by the end of the day or two....so I called Navy Federal today the representative informed me they HAVE NOT turned my case to a fraud investigator and they DO NOT give credit in "These Types Of Cases" and it will take up to 10 days to "Investigate" and if it is "Approved" they will give me my money back.... My issue with isA: THIS IS NAVY FEDERAL'S FAULT; because it happened "Internally" a member of THEIR institution stole my money and transferred My money from my Navy Federal account to their Navy Federal accountB:I INFORMED NAVY FEDERAL as soon as the issue was brought to my attention and I have FULLY cooperated with them and they allowed the member to keep my funds in spite of them having knowledge the transaction was fraudC: THE LACK OF URGENCY when it comes to my account being hacked and the LACK OF CONCERN with the fact that I DO NOT HAVE ANY MONEY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2017 about Debt collection (Other debt) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Having previously had this same fraudulent debt forwarded back to the merchant by XXXX, XXXX on X/XX/2017, XXXX XXXX has reassigned the debt to XXXX. XXXX, making it clear that XXXX will not be deterred by Complaints to State & Federal authorities from using every resource at its disposal to pursue its criminal extortion tactics as far as the law permits.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information, which I did not give to the credit reporting company, was mishandled. 

My credit information and my personal information was given out without my consent. The date of this breach was given as a range of dates starting in XXXX of XXXX and was not reported to me directly, or to the public in general until XXXX XXXX. 

The website is not responding to requests at this time and has continually hung. 

This breach of my data has made me anxious and has the possibility of effecting me for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (FHA mortgage) with SOUTHWEST FUNDING, LP (TN).
Issue: Closing on a mortgage

Complaint: I am a XXXX and I have a client that was purchasing a home. They went to the internet and were looking at lenders and happened to see this lender on XXXX. ( I had given them 2 or 3 names to  call ) Anyway he contacted this lender called Southwest Funding and he sent them a pre-approval letter and told them the docs they needed to send him. We wrote an offer on the same day which was XX/XX/XXXXthe buyer proceeded to send all the docs the lender asked for. Closing date was originally set for XX/XX/XXXX, we had to extend and extend it as the lender kept asking for other docs. The lender knew there was to be a gift letter so they waited until after the 2nd extension on the loan to even ask for the gift letter and it took them 2 days to get the form for it to them. Also they said they had to verify where he had worked two years before his last job by phone although they had his tax record, a copy from the IRS and his W-2. They also failed to sent them an estimation of the cost ( formerly know as a Good Faith Estimate ) from XX/XX/XXXX until XX/XX/XXXX. ( This is a violation of the FHA regs ) When the house did not appraise the seller agreed to the sell the home at the appraised value we then changed the sales price, got the docs signed and sent to the lender and they never sent another estimation of cost. Southwest Funding ( XXXX XXXX, owner and loan XXXX ) told her verbally on the phone she would have to have {$3100.00} to {$3800.00} at closing, then we got all of that worked out they then said the lender told them they needed to bring another {$1600.00} plus payoff a credit card. This client had done everything Southwest Funding had asked, had paid for an appraisal, home inspection, credit reports and had to extend their temporary living arrangements several times to the tune of approximately {$1200.00}. When I spoke to XXXX XXXX to ask why they had not been more forthcoming with the information he was very rude and offensive. He has not followed the guidelines set by FHA nor has he been honest in his efforts to get this loan done.

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I called navient on several occasions about my student loan and asking how I can get help. I explained to them rhat I was not working and they still offered me a payment for XXXX a month. I explained that I could not afford that amount and what happened to my forbarence that I applied for. The rep said she did n't shee one in the computer and I asked how was possible when your office contacted me and said I should receive paper work in the mail. She said she did not see that in the computer and I was currently pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Payday loan, title loan, or personal loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (ID).
Issue: Loan payment wasn't credited to your account

Complaint: One main opened a bank account when I sent them a big payment and did not put it on my loan they did make a payment out of that account but never but all of the money on to the loan. Plus I was paying extra on the and they charged me a bank fee of exactly the amount I payed extra instead of putting it on the principle

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 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: Information belongs to someone else

Complaint: I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

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 05/22/2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,    2017  this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Payday loan () with Big Picture Loans, LLC (NC).
Issue: Can't stop charges to bank account

Complaint: L   XXXX   XXXX   XXXX   XXXX   XXXX   - North Carolina. While I was approved for {$500.00} with a repayment of {$670.00}, my bank account was changed for more with now a balance of {$1000.00} to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with MORTGAGE LENDERS OF AMERICA (FL).
Issue: Closing on a mortgage

Complaint: We signed a purchase agreement on XX/XX/XXXX to buy a home at XXXX XXXX XXXX XXXX, FL XXXX. The lender was mortgage Lenders of America. The MLOA loan number is XXXX. We were told the closing would be on XX/XX/XXXX. The closing did not occur until XX/XX/XXXX. During the entire process were not advised that any additional time was needed. We were only advised during the last week of XX/XX/XXXX. that a POA was needed because the co-borrower was not in the US and would not attend the closing, which was known by lender. As a result the co-borrow had to travel on short notice from Panama to Florida causing an unexpected travel expense of approximately $ 750.On XX/XX/XXXX the closing did not occur and we were told by the lender it would be the next day and day by day the closing date changed to the next business day. Finally on XX/XX/XXXX the closing occurred. As a result of these daily delays we encountered unexpected hotel and meal expenses of approximately {$1200.00}.
Daily complaint via emails were made to the MLA Loan Officer, XXXX XXXX. I also complete the MLA survey with all the same info and described their services as unsatisfactory, disorganized, not consumer friendly, among other negative terms. MLA made no further contact since the closing. We would like MLA to reimburse us for all the unexpected, unplanned travel, lodging expenses. If MLA is willing to pay those expenses, we will supply all credit card receipts and any expenses not charged to a credit card.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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 Convergent Resources, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX did not send a collection notice before reporting to the creidit bureaus.They reported to the crdit bureau on XXXX XXXX and then sent a notice on XXXX XXXX. 

Several attempts were made to have the information on my credit report validated and corrected but the agent at XXXX XXXX XXXX refused to provide validation of the account an refused to correct any erroneous or outdated information. The name of the agent was XXXX XXXX ( lead supervisor ). In addition, several messages were left with XXXX XXXX but she never returned the call. XXXX XXXX is a senior executive.

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 10/20/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: The name and location of the school I attended during the time I borrowed the private student loan in question : The Ohio XXXX University, XXXX, OH. 

The issue at hand : The current situation I am facing surrounds National Collegiate Trust ( NCT ) and their attempts to collect on a series of private student loans totaling more than {$30000.00} that they can not provide any information to me about. NCT has recently filed suit in my hometown court of common pleas ( XXXX County, Ohio ) with regard to this matter and I do not know who to turn to since lawyers in my region will not get involved in student loan consumer disputes. I was actually told that these situations do not bring them any money in fees, they are an uphill battle to wage and they simply are n't worth the time. I have a real legal situation here where I am being harassed ( as well as my co-signer father who filed for bankruptcy a few years ago ) for payment and I have no way of remedying this situation on my own. NCT refuses to cooperate with me at any step along the way and I deserve a chance to validate this debt and act accordingly. I do not know who owns the loans in question, who services them, or who is able to collect payment on them. NCT has previously informed me that they occupy none of these roles ... .that they purchased loans in bulk and can not provide detailed information on individual disbursements. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have called several times to work out a payment plan that would work for my budget. I have been repeatedly told/forced to take a forbearance rather than allowed to set up a payment plan that would work for my budget. I would like to pay on my loans but feel that because I can not pay the outrageous {$800.00} a month payment, I 'm being forced into deferring or forebearring my loans to get more interest out of them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/2016 I was notified by XXXX and my fico of a change on my XXXX credit report. I see that The home depot and a charge credit account in the amount of XXXX with a balance of XXXX. I called Home Depot to inform them that this account wasnt mines and to remove my name. I was told by their customer service rep name XXXX that Home Depot was not allow to remove me from this account ending in # XXXX. They also could tell me who use my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Good payment history with companies only one missed payment would like to have removed from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: I have credit inquiries on my Equifax credit file. I have disputed these items time and time again. I disputed these on XX/XX/XXXXthat I had no knowledge and I did not authorize these inquiries. I received an email the next day on XX/XX/XXXX that the investigation was completed and they were not going to remove them. I called back on XX/XX/XXXXand spoke with a representative name XXXX and inquired about the inquiries and she advised that there were no inquires on my report. I asked if she was sure and she said there are n't anything showing until inquires just regular accounts. We were disconnected I called right back and was advised by another representative that there was n't any inquiries showing not even soft inquiries. I called on backXX/XX/XXXX to check to insure that there was n't any inquiries and the rep stated that yes they are. I told her about the phone call last night and the two reps said nothing was showing. I did not authorize these inquiries, the inquiries are. I know Equifax was the affected by a Security Breach this summer and I am afraid that my credit file might have been apart of that breach. XXXX XXXX - # Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - # Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.

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 06/16/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Account opening, closing, or management

Complaint: regarding a bussines acount with suntrust bank. i deposited a check on XXXX, and funds were credited to my account. middle of XX/XX/XXXX, my deposit was reversed. the amount for my deposit was deducted from my account along with fees. there after i started to recieve letters stating that i was being charged with forgory and bank fraud resulting from the deposit i had made on XXXX, and are asking for the funds to cover the reversed deposit again. they included a phone # to call to dispute their claim. i called the # several time, and i was informed that no one in the fraud department could talk to me. they closed my account, and charged me for the returned check deposit again along with fees. i now can not open a bank account resulting from this. i have been at my branch several times and spent several hrs and can not get a resolution.

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