milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I don't have specific dates but over the past five to seven years I have asked XXXX XXXX and now Navient to send me a detailed statement that includes the amount of the original loan consolidation , the dates and amounts of my payments over the past ten years and details as to how those payments have been applied to my loan.  I have never received this information.  They always send me a loan total that never changes; over $27, 000 and they refuse to tell me why I have made no progress on reducing the amount of my loan.  Now, as I am inquiring about the Public Service Loan Forgiveness program, they tell me that I have to convert my loan back to a Direct Federal Loan and start my 120 payments (ten years) all over again.  This leaves me feeling hopeless.  The only ray of sunshine; I will XXXX someday and the loan will XXXX  with me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: These XXXX charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX XXXX XXXX In Opened XX/XX/XXXX XXXX XXXX XXXX Closed :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Credit card) with Law Office of Michael J. Scott, PC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Struggling to pay mortgage

Complaint: Since  XX/XX/XXXX  I have been trying to fix this approval letter I need   XXXX   XXXX   to be REMOVED and KEEP   XXXX   XXXX   XXXX    AND   XXXX   XXXX   XXXX   XXXX   XXXX  . I have been requesting this several times and everytime I call they say it is ready and I get the old letter. Please have a supervisor look at this. The buyer is refuse with me and the seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Chase closed all of my credit card accounts after reviewing my credit report. They said I have too many new accounts opened and too many recent inquiries, even though almost all of my new accounts shown are authorized user accounts on which I am not the responsible card owner. I have never defaulted or missed a payment with Chase or any other bank and I never carry a high balance on any credit card. I also have {$15000.00} in a Chase savings account and an auto loan with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I send a letter requesting verification of a collection account. I have sent this letter before and have received no information whatsoever validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have many inquiries on my credit report from Transunion, XXXX and XXXX. I already submitted a dispute with XXXX. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my report.

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 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been on XXXX for 3 years. I was never offered lower payments, instead was told I need to purchase a forebarence, I did this several times until Navient told me I was out of forebarence/deferments and Private loans do not qualify for XXXX forgiveness like Federal loans and that my social security XXXX payments would be garnished if I did n't continue paying.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (FL).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: On Friday XXXX XXXX, 2017 at XXXX XXXX our car was repossessed. We live in a gated community with security guards. While the security guard was away, the tow truck driver broke into the community by forcing the EXIT gate up and the proceeded to drive over a median flower box with lighting both of which he damaged. Not only did they break in but they came in a Exit endangering anyone that might be leaving the community. The bank that holds the lien, Chase, has been unwilling to share any helpful information. The payment were neglected by my wife, and the car was under my name. I offered to reconcile debt, pay a few months in advance and link automatic payments to my bank account moving forward to make sure this never happened again. Money was not the issue, neglect was. They have refused this and will only allow me to get the car back by paying off the lien PLUS their fees - which are undoubtably towing, storage, etc that were all done illegally. They have also attached this Repo to my credit report, which is understandable for a repo, but their unwillingness to work with me and the way in which the vehicle was taken is just irresponsible business. I now have a matter of days, all with a holiday in the mix which the banks will be closed for, to figure out how to get someone else to purchase this entire lien with my once great credit that is now destroyed. I have taken accountability, humbly apologized and have offered many suggestions including leveraging my personal businesses to reconcile the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I am currently putting fraud alerts on my credit report and am hoping my identity does n't get stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My debit card had 2 unauthorized charges and I called it in to wells fargo.  they gave me a claim number.  4 days later, the charges were taken out of my account.  I went to the branch and got a temporary card and was told that wells fargo treats their debit card holders like second class citizens as compared to the credit card holders.  They do not refund the debit card unauthorized charges for up to 10 business days.  Credit card holders are credited immediately.   When I questioned wells fargo about their treatment, they cited that there are 2 procedures for refunds.  This is wrong.Additionally, I was told that when I called and got a claim # that I should have been told to call the fraud people.  I was not told this.  They led me to believe that until I talked to them today, that nothing would happen to the credits til I called.  This is a lot of double-speak.They should treat debit cards and credit cards 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 monetary relief
Consumer complaint received 06/25/2017 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: Account information incorrect

Complaint: Transunion has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Transunion asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Transunion of the inaccurate information and I didnt receive it from Transunion. Since Transunion doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Transunion onXX/XX/XXXX : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX  Account Number : # XXXX**** Creditor Name : XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX Account 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 05/30/2017 about Mortgage (Conventional home mortgage) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Struggling to pay mortgage

Complaint: I 'm on worker 's comp with my job and ask for a loan modification due to my financial hardship and the Navy Federal Credit Union kept on requesting information andI kept on supplying everything they requested. Then they denied me a loan modification because they said they did not get it in time. I 'm only 6 months behind and a want to keep and stay in my home. I 've never been late on my mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On   XXXX   XXXX   XXXX   ( via certified mail ), a letter was se nt to National Credit Systems requ esting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within  thirty ( 30 ) da ys of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my credit files and any further attempts to collect should cease.     I never received a response from the company, and, as such, on   XXXX   XXXX   XXXX    , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and have not removed the account from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize an inquiry to be done of my credit report. 
XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (FHA mortgage) with Finest Title Company (MI).
Issue: Settlement process and costs

Complaint: After closing on a home on XXXX XXXX 2015 I received a call stating that I owe the seller {$2500.00} because of a mistake made by the title company. I was confused why the title company wanted me to write a check to the seller after we already closed and monies were exchanged. The title company made the mistake which ended up being a {$5000.00} benefit to my side of the HUD. I am now being sued for the {$5000.00} plus interest and attorney fees. I was summoned the week of XXXX XXXX 2015 after returning home XXXX. I am recently divorced and have no money to afford a lawyer or pay the {$5000.00}. I feel the mistake was made and there were plenty of people involved to review the HUD before receiving a clear to close. I need help please. I 'm very worried.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Have bankrutcy filed in the US Bankruptcy Court, XXXX, CA on my Experian credit report. I disputed that the account is not reported correctly which is true. Experian keeps telling me that they have validated that the account is reported correctly. They refuse to give any other information and will not give me the means by which they validated or where they validated. I know for a fact that they are not following the Fair Credit Reporting ct and are breaking the law in their business practice, please see the attached : " 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' Since they can not validate with the bankruptcy court, they are continuing to report incorrectly and as I see it from the above, must remove the bankruptcy reporting from my credit report. I feel that the credit bureau is allowed to practice any way they feel like and outcome of your dispute depends on who gets your letters. My credit has taken a serious hit from this incorrect reporting and I have been denied credit because of this.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: X/X/2017    i cant get on line with the dispute center of experian when i call them on  XXXX  number, 3 times on  X/X/2017    i was hung up mid way through call

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am filing a complaint as I 've been informed by Equifax that I am one of the 143 million people who 's privacy data ( social sec, bank accts, etc. ) has been hacked. I am not signing their Credit monitoring as it waves my right to sue, I 'm filing my official complaint against the company as this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 

Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made 4 request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 

I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS. 
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP

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 04-06-2016 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Account opening, closing, or management

Complaint: BBVA Compass authorized a charge card without my consent. I specifically asked for only a checking account and not a charge card. XXXX XXXX tried to slip in a paper to sign along with the checking account papers after I told him I did not want to open a charge card. I caught it and did not sign the contract to open a charge card. I then received a charge card in the mail. XXXX XXXX also asked if I wanted help setting up online banking. I said yes. Then he asked me where I was from and he told me he would use that information for my security question. I told him to stop setting up the online banking and I would do it myself.

Company response to consumer: Closed with non-monetary relief