milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a mother and co signer of my daughters private student loan of {$65000.00}. When she XXXX the job choices and pay were below the standards of what she expected to make. With a XXXX degree XXXX she is only making {$11.00} and hour. Living in XXXX XXXX the cost of living is high and she can not afford to live and eat as well as pay a {$500.00} payment to Naviant. We are disappointed and angry after calling numerous times to see if they can work with her to make it possible to pay less. My daughter and I both are experiencing financial undue hardship because of this. We are considering defaulting and just walking away.. The new name Naviant use to be XXXX XXXX. They refuse to budge or work with us. They will take the chance of getting nothing $ $ from us ...

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with XXXX XXXX XXXX. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have surgery last year. He had a total of XXXX surgeries in XXXX months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: have spoken with Green Tree Servicing on multiple occasions. They have advised me that I had missed the XX/XX/XXXX payment. I sent them all of our payment records for XX/XX/XXXX reflecting XXXX payments had in fact been made in XX/XX/XXXX. After filing a " Qualified Written Request '' for information, I received a letter stating the payment missing was from XX/XX/XXXX when we were in a chapter XXXX Bankruptcy. The information that was given by phone when I disputed a missed XX/XX/XXXX payment was not explained to be from XX/XX/XXXX. I would have corrected the payment immediately if they would have been honest about what the issue was. I will also be filing a complaint for their collection practices as they have contacted a family member on XXXX occasions. The most recent time was after they had been informed not to contact our son as he does not live with us nor is he a party to the transaction. 


I will make the payment that they state was missing from XX/XX/XXXX. I do n't know what the resolution is for them as they have given me false information regarding the debt over the phone and were very rude when I tried to explain that they payment in question was not missed in XX/XX/XXXX. A fair resolution would be for them to reimburse me for the payment that they state was missed and apply it to my account since they were not honest about what they were trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo XXXX XXXX XXXX XXXX CA 92071 XXXX and XXXX. They keep requesting an offer that meets their minimum net value, but they will not tell us what that is, and they are refusing to provide a copy of the XXXX. 

2. Wells Fargo has not done an interior value. No one has been to the property to actually look at it. Is this why they are refusing to provide a copy of the XXXX? 

3. In response to their claimed XXXX value, we have marketed the property at that price, as well as provided market comparables and a Contractors Bid. Wells Fargo 's response was to remove the file from their short sale department stating there was no offer at their " List Price '' We STILL do not have a copy of the XXXX XXXX. In the last 2 days we have been given XXXX different persons contact info and NO ONE will return our calls or emails. 

We can not get anyone at Wells Fargo who can talk to us informedly about this short sale. The house has been marketed since XX/XX/XXXX of this year starting at XXXX, far above their XXXX " list guidance '' price, and has failed. We recently received an offer at $ XXXX, and have submitted the offer along with market comparables and a Contractors Bid. Now, no one at Wells Fargo will speak to us at all. How can we move forward when no one will speak to us about this file?

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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: On XXXX XXXX, 2017, I made the complain on the Consumer Finance website XXXX, today, I got a response from Transunion and they have not removed the false debt collections from medical finance. I have sent explanation of benefits and I have sent this complaint on Transunion website with no success. I do not owe this debt and it must be removed from my creditfile.

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 01/23/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Advertising and marketing

Complaint: I was attracted to a credit card promotion by Southwest Air for their Rapids Reward card ( issued by Chase ). The promotion was for XXXX points credited to my SWAir RR account if I spent more than {$1000.00}. in 3 months. I spent considerably more than {$1000.00}. within 2 months. I received XXXX RR points, but not the XXXX points. I called XXXX and Chase today, and Chase said my memory of the promotion was incorrect ; it was XXXX points ( for spending {$500.00} ), not XXXX ( for {$1000.00} ). I beg to differ, as I distinctly remember the details. I applied for the card by clicking on the promotional link from XXXX. At the end of the conversation today, I paid the small balance immediately and canceled the card. I know XXXX and Chase keep adjusting the promotion, and it varies from time to time. However, I 'm positive of the offer they made, as I kept checking my accounts and the offers over time. I will be complaining in detail to XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with U.S. BANCORP (TX).
Issue: Rewards

Complaint: US Bank removed XXXX of the benefits of their Club Carlson Premier Visa Card, for which I can book a reservation with points at XXXX XXXX properties and get XXXX night XXXX. 

US Bank refer to this benefit as : Bonus award night exclusively for card members '' '' enjoy all these benefits after paying {$75.00} annual fee. 

They did not offer any compensation for removing this benefit after I paid the {$75.00} annual fee in anticipation of receiving this benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I informed TransUnion that I had an account with XXXX which I paid the settlement amount and was given a verbal agreement from the company that the account would be updated to show paid or deleted. XXXX has followed through. This credit bureau needs to do the same.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am seeing a hard Inquiry in my credit report from unknown agency XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX These are coming in Trans Union and XXXX both and I do not remember I have authorized any one of  them doing it,

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017, any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit bureaus have not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit reports.

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 10/13/2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I spoke to these people in XXXX of XXXX. I set up an arrangement using my debit card. My debit card was canceled due to fraud activity. I inadvertently neglected to call the debt collector and provide updated banking information. Today, XXXX/XXXX/XXXX, the company, XXXX XXXX, called. I explained that I was at work and I could not talk or make a payment. They pushed the matter and then got really nasty with me. XXXX XXXX XXXX threatened me with civil action if I did not pay. I said I was willing to settle this but could not do it at the moment because I was at work. He said " I 'm not calling you from a garage. I am at work too. '' I told him I did not appreciate his tone, and being rude was unnecessary. I asked for a number to call him back at. He provided me with XXXX. I want to note that this company called me from XXXX which is a NJ number. The XXXX number he provided is for NY state.

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 07-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX Loan Rep XXXX XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or Stolen accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

XXXX month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX, I sent certified letter to dispute an inaccurate acct on my credit report. In XXXX I sent a fax with proof of inaccurate reporting. According to my understanding of the Fair Credit Reporting Act, their duty as creditors/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing these accounts immediately.

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 08/23/2015 about Debt collection (Credit card) with Law Offices Howard Lee Schiff, P.C. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account was open on XX/XX/XXXX with a credit limit of {$250.00} plus unemployment and XXXX insurance which was paid on time till XX/XX/XXXX, when I became ill and out of work the account balance was {$69.00}. I contacted the insurance with no result, by XX/XX/XXXX I was contacted by XXXX XXXX regarding the closing of the account which I agreed, also late payments and fees, I was given the opportunity to settle the account by allowing XXXX to make XXXX automatic withdrawals of {$81.00} each starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my checking account. 
Copy of my account automatic withdrawals are enclosed. I hope this information clarifies your records and reestablishes mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 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: Information belongs to someone else

Complaint: I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

Thank you, 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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease ( XXXX/XXXX/XXXX ) UNTIL first late payment ( XXXX ). So .... from ( XXXX ) to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} ) x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} ( amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Over the past year, I 've sent written disputes to Equifax asking them to remove  XXXX  inaccurate  XXXX   XXXX  on my credit report but to this date, no actions have been taken to address my concerns.     These  XXXX  " medical '' collections are only showing up on my Equifax credit file.  XXXX  and Transunion have never had this information on my records. I am attaching a section of a recent report that shows this information along with this complaint.for the CFPB to review.     The first account has an account number of "  XXXX  '' with a past due balance of {$55.00}.     The second account has an account number of "  XXXX  '' with a past due balance of {$100.00}.     I do n't understand how this is possible. It 's very suspicious that there is no name to identity these accounts and they are supposedly medical related. It is also suspicious that ONLY Equifax is reporting them to my credit.     I have called the phone number provided in Equifax 's dispute letters but I always get an answering machine and am kept on hold for a long time. The last time I called, I held for over an hour before I decided to hang up.     I have also personally requested verification of these debts in writing but to this date, no supporting documentation has been provided. If this is the case, how can Equifax continue to report negative information on my credit that can not be verified?     Equifax is reporting someone else 's accounts on my credit and I am having to pay the price for debts that I never even created.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have a car loan through, '' Ally, '' and my regular payment is {$340.00}. My bill for XXXX was {$340.00} - which included a {$1.00} late fee. ( For a payment that WAS N'T late ) I mailed in a personal check for {$5300.00} and wrote, in bold letters, in the memo " XXXX toward principle. '' My payment was due on XXXX XXXX and the check cleared my account on XXXX XXXX. 
I received XXXX statement and it was for {$160.00}. I called Ally and asked " XXXX '' - Why are n't my payments the same amount? It should be the {$340.00} with the {$5000.00} applied towards principle. Are you trying to prolong the loan so you can collect more interest?! 

I was given the answer, " Well it was all applied towards principle. '' put on hold and transferred to someone who was not knowledgeable and proceeded to give me incorrect information. Such as my loan was " supposed to extend till XXXX '' and I had another late payment for XXXX XXXX which was paid early ) This is not the first time this has happened. I have paid extra towards the principle before and they applied it towards my monthly payments. Only sending me statements for 3 months for interest.

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