milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: 1 ) Before I went into repayment, I made a payment online ( {$2100.00} on XXXX/XXXX/XXXX ) and designated it go towards the 2 loans with the highest interest rate. The next month I checked and the loans still showed 'active ' but the payment was received. A month after that, I checked again and saw the funds were NOT applied to the loans designated for the money to go towards, but the entire balance. I DO have a screen shot of my payment and the loans it was designated towards as well as the confirmation number. I called Navient and they said someone would call me back regarding this matter, and as of 4 weeks later, nobody has contacted me. Navient purposely makes it hard to repay your loans, because if I pay the highest interest first, they do not make as much money. I will share any correspondence that I have an am interested in joining any lawsuit against them that pertains to misappropriation of payments made. 

2 ) Became unemployed XXXX/XXXX/XXXX and was told I was approved for deferment, received a letter and an email. I received a bill in the mail with a balance due, so I called and was told that I was on deferment, and that I needed to do nothing. I then have been receiving calls, and when I called back I was told that I need to provide proof of unemployment. I have been out of work for 3 months, and have been accruing fees because of non payment. Online, 2 loans show they are past due and need payment, and the rest are " payment due '' but have not been placed on deferment or forbearance. I was not told that I had to upload any documents, but when I called she let me know. Today I uploaded the UI document, and received a pop up message that my account will be updated in 10 days. I will wait and see, I guess. 

Navient needs to be held accountable for their illegal actions. Had I not checked or had a screen shot of my payment showing the loans I designated for payment, they would get away with it. This probably happens more often than not, and with the current financial aid repayment climate, this needs to be stopped immediately. The 6.8 % loans that I paid off would have an impact on the total that I would pay off in interest

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent an id theft affidavit to Experian to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section 605B clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX hard inquiry XX/XX/XXXX ( not authorized, never heard of bank ). Again on XX/XX/XXXX ( not authorized ). 
Syncb hard inquiry XX/XX/XXXX and XX/XX/XXXX ( not authorized, never heard of ). 
XXXX XXXX hard inquiry XX/XX/XXXX( not authorized ). 
XXXX XXXX hard inquiryXX/XX/XXXX ( not authorized ).

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Once my forbearance ended, I applied for another one. Navient denied my forbearance request. I spoke with Navient on the phone and was told my payment would be around {$120.00} per month. I explained I could not pay that and I was told that was as low as they could get it due to my income. I explained that although my income is fine, I have other bills and there simply is n't {$120.00} left over to pay this. They refused to work with me so I told them I would pay them what I can each month. For several months, I paid {$50.00} as that was all I could afford. Once my husband received a raise and I also received a raise, I began paying {$150.00} a month, the {$120.00} plus a little extra to help make up for the other months I paid {$50.00}. Navient is still calling me daily, emailing me with forbearance forms to fill out even though they have repeatedly denied them and sending me delinquency notices. To make matters worse, they are reporting me every month to the credit bureaus as being XXXX days late. Navient last reported me XX/XX/2016, since XX/XX/2016 my credit score has dropped XXXX points and the only negative I have on my credit report is Navient. My husband and I work very hard, we pay bills and buy groceries and thats it, yet we still live paycheck to paycheck and now I have a dwindling credit score to add to it. At this rate, I will have no credit score by the time Navient is done. This is absolutely ridiculous. I have tried to get Navient to work with me but they simply do not care. I 'm going to have to call them AGAIN just to be told by some rude customer service rep that there is nothing they can do. I understand I owe them over {$700.00} from the months I only paid them {$50.00}, but I am paying more than my given payment amount in order to pay that down and I do not feel that my credit score should suffer every month just because of this. Navient does not care about anything but getting their money. I am doing the best I can.

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 CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1. CBNA 2. 2nd XXXX XXXX XXXX To whom it may concern I believe these inquiries are due to the XXXX breach and they we 're made without my consent. 
I would like to know what application are you talking about sir. I am unaware of any applications you 're talking about. Did n't sign up for nothing is what I 'm saying to you and you 're basically accusing me of being a part of a Costco account. No I do n't know what Costco is and I do n't appreciate you accusing me. If i 'm not aware of something you ca n't force anything to be mine. That is down right ridiculous and no I did n't sign up for any credit cards. I do n't need to do so I 'm debt free and want to remain that way. So I 'm asking you to stop accusing me. It is a fraudulent inquiry and it is to be removed immediately because it violates the law in FCRA section 609.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My complaint is the consumer agencies are reporting to the credit Bureau ( TransUnion, XXXX  and XXXX ), my personal information from my consumer file, and public records showing a Banruptcy Chapter XXXX # XXXX, i want removed. that causing problems for me and my job. Under the Fair Credit Reporting Act it is unlawful and not in compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 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: Account status incorrect

Complaint: I am contesting a collection account that is recorded on my XXXX  and Transuion credit reports. I have, in the past, protested this account through XXXX and Transunion, with unsatisfactory results. 

The collection account is for XXXX XXXX in the amount of {$700.00}, and has been on my record for more than six years. 

The original debtor, XXXX XXXX XXXX, was at no point in time opened or used by me. Claims otherwise constitute fraud by the creditor or a third party. Therefore, this collection account should be removed from my credit report record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from I C SYSTEM INC stating I owe XXXX. I contacted XXXX   about it and was promised they will notify I C SYSTEM INC to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score

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 07-10-2017 about Student loan (Federal student loan servicing) with ACS Education Services (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I filed and submitted the proper documents to the ACS, to have my student loan deferred, placed on forbearance, and delayed due to economic hardship. However, the company refused to assist me nor would process the documents. Currently, I am unable to repay my student loans due to social and economic hardships placed upon me, at not fault of my own. I have been prevented from gaining satisfactory employment, causing me not to be able to sustain a livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax reports the following accounts in my name as collection/charge offs. I do not have accounts with these creditors and I 've repeatedly stated that I was not working in this country since XXXX 2003. These accounts are not mine and may be the product of identity theft. It does state that consumer disputes the accounts but this has been labeled for quite some time. 
XXXX XXXX $ XXXX XXXX Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Bank  of America purchased ho meowners insurance for my property even though I had homeowners insurance and sent them the information on numerous occasions. I sent Bank  XXXX   XXXX  proof of insurance on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . Even though I have kept sending them information about the homeowners insurance they are claiming that its not adequate information. In  XXXX   XXXX , they sold my loan to  XXXX   XXXX   XXXX  (  XXXX  ). Upon selling   XXXX   claimed I owned them the money in the amount of  XXXX  for my homeowners insurance even though I had proof that I had uninterrupted coverage. Neither company will help me rectify this issue and I am currently incurring late charges for not paying the amount  XXXX  set for an escrow account for homeowners insurance that I already have.

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 06-02-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As I was checking my credit score, I noticed I had XXXX derogatory mark and as I took a look at the information, it said that XXXX had put an account in collection for {$500.00} with Amsher Coll. This had been going since XXXX  2016 as it shows in my report. I have never opened a XXXX account in my life. I called the XXXX company since I found out about this collection in XXXX by looking at my report, I called them like 3 times in XXXX or XXXX and gave them my social security number so they could find an account with my information and they could not find any information related to me so I called the collection company and they said the same thing my social did not match any collection account, so how is it that I have an account in collection and they want me to pay the money if they can not even find my information? I also never got a paper with account information from XXXX or the Amsher Collection Services to my residence, I only know about them because I check my credit score once in a while. Also, they could not able to provide me with information as to who to contact to get rib of this degoratory mark from my credit score as the amount owed does not belong to me! I sent a request to the XXXX on Monday to see if they can resolve this peoblem as all my credit card amounts are being affected by this problem as they are being lowered and so my credit score its  decreasing as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Payday loan debt) with QC HOLDINGS INC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been repeatedly called on my personal cell phone, but I have also been called at work which is the bigger problem. I only gave this company my work phone to verify employment. I never authorized them to contact me at work for any reason.

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 02-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/XXXX I applied for the Citi Prestige credit card with an offer for XXXX points for spending {$7500.00} in 3 months. 

I have met the spending in the required time. 
As of XX/XX/XXXX I have not received the XXXX points. 

I contacted customer service on XX/XX/XXXX. I was told I could not get the bonus because I have already had this card within the last 2 years. 
However I never had this card before.

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 03/26/2017 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: My car was repossessed by Snaac XX/XX/XXXX on a Friday. I made the payment the next day. I called to verify that they had received my payment. Snaac said that they did, but I would have to wait until Monday to talk to the department that handles repossessions. I called Snaac Monday and a representative informed me that my car was scheduled for pick-up to be taken to auction. She told me she would fax XXXX ( XXXX, Texas ) the necessary documentation to stop them from taking my car to auction. I called the towing company to let them know that Snaac would be faxing them said paperwork and that I would be calling back. Later on I called back and was informed my car was being taken to auction ( XXXX, Texas ) because they never received the proper paperwork to prevent them from taking my car to auction. I live in XXXX, Texas. I immediately called Snaac to find out why they did n't fax the paperwork, and the representative in the repossessions department informed me that she did fax over the paperwork. Either company did n't want to take responsibility for the horrible mistake that was made. I did n't get my car back for four days. The supervisor informed that any and all fees for repossession would be waived because it was their mistake my car was taken to auction. XX/XX/XXXX Snaac tried to reapply charges to my account for repossession fees. XX/XX/XXXX, I decided to retrieve a copy of my credit reports from all three bureaus. I noticed Snaac reported late payments and a statement to my report saying " redeemed possession '' months after the fact. It was recently added to my credit reports. I do n't understand why that is so many months later and after the horrible mistake that they made and penalized me for. This is what prompted me to submit a complaint. Snaac has phone recordings that pertains to this situation in their archives.

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 01-11-2016 about Debt collection (I do not know) with Commercial Trade, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have found this on my credit report. I do not know what it is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2016 about Debt collection (Medical) with S&S Physician Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I PREVIOUSLY FILED A COMPLAINT AND THE COMPANY NEVER RESPONDED! This agency continues to report debts that I do not owe. I have disputed these erroneous accounts and requested them to send me some validation. They continue to report these derogatory accounts, but have yet to send me original documents as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to XXXX 's Security Breach, I have been checking my credit and trying to freeze my accounts. I have contacted the FTC and my bank ( XXXX XXXX ) who directed me to speak with XXXX which I have tried ( XXXX XXXX, 2017 ). The company has shut down/disabled it 's customer service line and its phone-based credit freeze ( XXXX and other numbers ). The redirected " incident '' call center ( XXXX ) is not technically XXXX, but rather a call center company, and can not answer any real questions about their services and what signing up for XXXX XXXX does. For instance, I have read that it waives my right to class action suit if I sign up. I have also read it auto-enrolls you in their service after a year meaning I have to pay for their mistakes! Absolutely absurd! 

There is recent news XXXX might give you a randomly generated answer for whether an individual was affected by the data breach. Because the FTC will not allow me to file for ID Theft unless I can confirm I was a victim or my ID has been misused, and because XXXX has indicated that they " BELIEVE I MAY have been affected '' by the data breach. ( how ambiguous is that statement from them by the way? ridiculous right?! ) If this is a randomly generated response, this is a clear violation of my right to know if my personal data and credit reports were leaked without my consent by this company. Its pernicious and misleading. 

I have also attempted to contact Experian but their lines are also shut down.

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 01/27/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit determination

Complaint: I recently received a mailer from Chase Bank XXXX XXXX XXXX asking me to apply for a XXXX XXXX XXXX card. After applying online I was rejected by Chase bank for having opened XXXX accounts in the past two years. I not only spoke to an agent on the phone but I went into a branch to ask if there was anything I could do to appeal the application and was told there is n't. They flat out claimed that Chase bank has a XXXX cards in 2 years policy to prevent " churning '' of credit cards. However, their policy does not take into account account closures, which is an easily verifiable and required part of " churning '' Other than student loans I have had only XXXX credit card closed in the past 5 years, and it was closed by the issuing bank for inactivity, it had been open for over 5 years. 

Chase bank not only placed another hard pull against my credit, they denied me for a card I was directly mailed an offer for due to an arbitrary rule put in place by them with no consideration of my credit score or credit usage.

Company response to consumer: Closed with explanation