milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I paid Navient ( remaining total balance of over {$32000.00} ) to close out my account of a {$160000.00} mix of mainly private loans all from XXXX XXXX/ Navient ( 2005. ) I called with articulated problem ( closing account via payment in full, also requesting a transcript of the conversation - having money mis allocated before ... I just want verification that I 'm done. I look at my account - it says I owe over {$270.00} still, yet loans all read XXXX. It also does not give me the option to even pay the false amount I owe.
I only seek freedom from this oppressive bullying, I have never been able to accomplish IBR or foreberence ( paid for, not fully awarded to me.. ) Which is in previous complaint after great amounts of overlap and false bullying and threats to credit and collection from my grandmother - co signer.
Please help me close this thing and have record that I 'm free? Thank you for all of your time. - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Medical) with Simon’s Agency, Inc (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling every day always from a different number, never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/2013. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on trans union has been removed because of this divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Billing disputes

Complaint: I have a Bank of America visa card. In XXXX of 2015, I reported a fraudulent transaction from XXXX. BOA quickly issued a new card and assured me the matter was taken care of. In XXXX 2015, I noticed the fraud charge was added back onto my account as a " fee. '' After calling BOA, I was informed this was the result of a computer glitch and had happened systemwide. I 've since called customer service three more times and have been told it could take months to resolve. Meanwhile, the charge remains on my account, meaning I have to either pay the fraudulent charge or incur interest on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Multiple times I have sent TransUnion disputes on the following inquiries and they have failed to properly investigate or look into the issue.     These inquiries are fraudulent and not mine.     *   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  I -  XXXX   XXXX ,  XXXX  *   XXXX   -  XXXX   XXXX ,  XXXX  *  XXXX  -  XXXX   XXXX ,  XXXX  *   XXXX   XXXX   XXXX   -   XXXX   XXXX    XXXX   XXXX   XXXX  -   XXXX     XXXX ,  XXXX  I have been a victim of True Name Identity Theft and they have more than sufficient amount of documentation to prove this. I have also attached the police report for these inquiries.

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 11/14/2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Payment to acct not credited

Complaint: I went in to make a partial payment to pay down my loan and was told that I was not able to make partial payment, I could only give them funds if I made the payment in full. I 've never taken out a loan where they would n't accept my money unless I had all of it at once. They 're already charging a ridiculous interest rate, why penalize me even further by not accepting my funds? How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A derogatory collection account was made on my credit report after original creditor confirmed my insurance company HAD NOT cancelled my policy and they just forgot to bill them. I was told there would be NO collection action or derogatory marks on my credit report yet I now have a delinquent account. I have called Fidelity multiple times to try and get someone to help but they continuously transfer me to OTHER CONSUMERS by accident. The most recent time this happened was TODAY when I was transferred to another consumer named XXXX XXXX who had also been trying to resolve a matter with Fidelity that was very similar to mine. In addition, for the past couple of weeks, I was getting calls and voicemails from a person looking for someone named XXXX. It turns out the person calling me is XXXX and she was looking for Fidelity as well. She was being transferred to me by Fidelity employees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: There are  XXXX  wide ranges of credit worthiness, with Transunion varying almost  XXXX  points.  XXXX  shows "  Good '' while Transunion shows " Fair  '', dispite both having the same information. My derogatory credit goes back as far as  XXXX . I have disputed every derogatory remark, with results of removal from record. However they still posted on report.     Here is where the conflict occurs. My credit history has been resto red after over 8 years, yet credit history report reflect  s 4  yrs. and 10 months. Why are negative reports going back to  XXXX  still showing after ov er 20  yrs.!?     Any inquiries that have been resolved and proven paid, still show on payment records.     XXXX   XXXX   XXXX   XXXX  :  XXXX  incurred, paid in  XXXX . Finally acknowledged and disputed in  XXXX  and determined paid, only after requesting  XXXX  send paid verification back in  XXXX ?    XXXX   XXXX  : Initially with   XXXX   XXXX  , then sold to  XXXX , Settled with Deed in Lieu, sol d 2 m ore times to other companies, each time moving time of incurrsion at the date of transfer to other company ( ie.  XXXX ,  XXXX   XXXX   ).      This Debts all " removed ' and inquiry completed and removed with {$0.00} liability. Yet negative reports go as far back as  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 non-monetary relief
Consumer complaint received 03-11-2017 about Credit card () with CITIBANK, N.A. (VA).
Issue: Advertising and marketing

Complaint: I applied for citibank card in conjunction with XXXX XXXX promotion, promising XXXX bonus miles so long as I spent {$3000.00} in the first 3 months. I received the card and spent over {$3000.00} in the first 3 months but saw no such bonus miles. I called Citibank today and spoke with a representative, who indicated they would not be honoring the promotion because of activity with other credit card accounts. Their promotion did not convey any such restrictions / limitations in a manner that I understood, and so I believe their advertising was unfair and deceptive, specifically in such a way to induce me to apply and utilize their credit card product where I would not otherwise have done so. 

When I discussed this with the representative they refused to honor the original promotion. I requested that they put a note on the account letting them know that I would be contacting the CFPB.

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 09/13/2016 about Mortgage (Other mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Application, originator, mortgage broker

Complaint: I was presented a Letter of Ineligibility from Flagstar Bank on XXXX/XXXX/XXXX for an appraisal completed on a residential property on XXXX/XXXX/XXXX. I was never given an opportunity to rebut the findings of their conclusions and now I 've been blacklisted from doing appraisals for Flagstar Bank. Keep in mind, I have completed XXXX appraisal assignments prior to XXXX/XXXX/XXXX and XXXX assignments post XXXX/XXXX/XXXX for Flagstar Bank which equates to a better than 99 % success rate. I submitted an XXXX page rebuttal to XXXX ( the XXXX XXXX XXXX ) when I was made aware of a Field Review completed on the property in question. Flagstar may or may not be in possession of the rebuttal. I mailed an entire package ( including the rebuttal ) via Certified Mail on XXXX/XXXX/XXXX and the parcel remains at the Post Office to this day. The package was never picked up. This blacklisting has caused extreme losses of revenue. A number of my clients will not engage me on appraisal orders ( even with other banks ) due to the blacklisting which has been unjustly been placed on my license. I 'm filing this complaint as I feel I 've been wrongly persecuted and it has had a domino effect on my business. I 'm requesting the services of CFPB so that a just and fair resolution to this matter can be achieved.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX  XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit  reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement. 

Also I general revenue told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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: Experian refuses to remove an inquiry dated XX/XX/XXXX on my credit report on behalf of XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX who apologized for the hard inquiry ( I didn't give them permission to pull my credit ) and promptly submitted an electronic request to the three credit bureaus to remove the inquiry from my credit file on XX/XX/XXXX. XXXX and XXXX removed the inquiry within 30 days, and Experian did not. I contacted Experian SIX times between XX/XX/XXXX, and XX/XX/XXXX, asking for an update and trying to understand why they hadn't removed the inquiry. They replied they didn't receive the information from XXXX XXXX XXXX. I promptly uploaded a copy of the letter sent to me by XXXX explaining that they would send a request to the credit bureaus to update my credit file, and have had them resubmit the request over SIX times ( every time I spoke with Experian and they denied seeing the information ). Experian keeps saying they don't see the information from XXXX, every time I call XXXX they pull up the dates that they've sent the request. I'm at a complete and utter loss as these two companies keep having me call each other and they keep blaming each other for as the source of the problem. This is a complete violation of my rights, and XXXX did not have the right to access my report. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (KS).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is XXXX processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other

Complaint: In Complaint XXXX and XXXX, Chase Card services can not produce a copy of a signed original contract for Chase Card XXXX along with the original terms and agreement. The account should be deleted since they can not fully validate the account. Chase Card XXXX according to Chase was an Internet contract, where are the original terms and agreement and the e-signature. where are the histories of the accounts and when they were sold and assumed by other companies along with the term and conditions, credit card agreements?

Company response to consumer: Closed
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA violation accounts are inaccurate. Its not mine, i have knowledge of the account. 
PO number 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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Federal tax lien withdrawn. Documentation enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Account opening, closing, or management

Complaint: On Saturday, XXXX XXXX, 2016 we closed our TD checking account because TD started charging a {$24.00} fee. We were not informed and was never charged a fee before. On XXXX XXXX, 2016 I received an email from TD bank that the biweekly transfer of {$340.00} will be completed in three business days. So we went into the XXXX TD branch and they assured us that the transfer will not happen, that the transfer was turned off in the TD system. Well on XXXX XXXX, 2016 TD withdrew {$340.00} from our XXXX checking account causing our XXXX account to be over drawn. 
On XXXX XXXX, 2016 I just got another email from TD Bank that another transfer in the amount of {$340.00} will occur on XXXX XXXX, 2016. TD will now have {$690.00} of our money that we need for paying bills. This is outrageous. We have had so many problems with this bank, they should be fined for all the money they have taken from our account. Where is our money. Why does TD not realize that our account is closed. By the end of this week we will be out {$700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2017 about Debt collection (Medical) with First Federal Credit Control (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know anything about this debt. I have never been without insurance in my life! I have never received anything from them in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Account opening, closing, or management

Complaint: Chase Bank received a levy from State Attorney Generals Office. Chase placed a hold on funds in my checking account for double the levy amount. Chase also issued a fee of {$75.00} for this process. Is this legal? Why is my bank able to freeze money beyond the levy amount?

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted Experian as there are numerous accounts listed on my credit report that are obsolete. I know that I do not have to explain that after a certain amount of years I am within my right to request for old accounts to be removed from my credit file. I have asked Experian to remove all the outdated accounts and they have refused.

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 12/23/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The doctor 's office is claiming that owe them {$100.00} from back in 2010 and it 's been removed from the other two bureaus all except yours, it is incorrect information I paid the bill in full.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Credit card) with Alliance Data Card Services (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There is a creditor on my XXXX credit report from XXXX that is a closed account. That continues to report past due. Their is nothing owed on the account and no past due amount, but it continues to report past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Citibank Mortgage Services used a wrong address to order a credit report for my pre-approval application and sent the loan-related documents to the wrong address. I myself of course did not get the package. There is a high chance that the package is now in the hand of a bar/restaurant because I was asked to provide " a signed and dated letter of explanation indicating why your current address would be indicated as a Bar/Restaurant/Nightclub on your credit report. " I later confirmed that it was the mortgage agent who made a typo on the system. Now all my important personal data, including my social security no., is at risk of being misused. I reported the incident to the department and I am waiting to see what step they will take. It is so unacceptable that they made a mistake like that. Now only was my loan application gets a little bit delay, I will also have to find time to do the remedy and prevent any damage to my future credit score. I do n't see any reason why they have to list the whole ss # in the document. I do n't see why they have to do it by mailing. I do n't see why THEY DIDN '' T CONFIRM MY ADDRESS.

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