milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I submitted an application for Loan forgiveness through Federal Student aid loan or loan reduction due to a school that has been known to been falsely advertising themselves, in my case   XXXX   XXXX  ,   XXXX   XXXX  . I submitted complaint to both sides more than once with a follow up status if my application has been accepted or not, this has been since  XXXX .2016, I have all proof to show, I call numbers and send emails yet no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: Bank of America Charge me 3 times XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING. Activity they said I done it, and they are right but their online web side redirect my transaction from my external bank " XXXX XXXX '' to Bank of America checking account, account with no available money and charging me. Transaction I done many times with out problem. Something was happening ... XXXX XXXX " phone support '' help me fix the problem, telling me she experience the same problem before with her personal account, then she asked me to logout and fixed the problem, then asking me to login again. Then Manager XXXX XXXX said, nothing can be done with OVERDRAFT ITEM FEE, it was my fault for not fixing the problem before, when the first incident happens. I try to explain to XXXX several times and she tried to explain to again to XXXX XXXX her supervisor. indeed I when to local bank and ask for help, they forgive XXXX fee and not the other XXXX and they never inform me about the real problem and how to fix the problem or even contact online banking, until the XXXX time, they even shared the online banking phone number with me. Feeling sad and very disappointment with Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: No problems accessing XXXX or XXXX annual credit reports through XXXX. However for the last 3 years I have been unable to access my report from Experian. Each time I get the message " A condition exists that prevents Experian from being able to accept your request at this time. '' Searching online, I see many others have the same problem.

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 05/29/2017 about Debt collection (Other debt) with Perfection Collection (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had service with   XXXX    XXXX  and I stopped paying because I wanted to cancel my service and they were not willing to cancel my service. So, before  XXXX  I stopped paying. I did not pay any service to  XXXX   XXXX  ; so, basically that would be called the delinquency date. I found out that I had a collection with a delinquency date of  XXXX ,  XXXX  which I dispute since that delinquency is not correct because I stopped paying before  XXXX .     Perfection Collection responded by "  XXXX , The delinquency date we were provided when we purchased the account is  XX/XX/XXXX . We are willing to settle this account for 50 % of the balance owed. Once settled, we will delete this account from the credit bureaus in it 's entirety. '' So basically they are saying that they purchased the account and the delinquency date is  XX/XX/XXXX . So they say they are not responsible for providing a false delinquency date. This is not acceptable

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 02/24/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Other

Complaint: I pulled my credit report from XXXX, on XXXX/XXXX/XXXX and XXXX. Wells Fargo has continually reaged a debt monthly that was charged off in XXXX. I had tax consequences in XXXX. They ca n't say a debt is still owing if they have charged it off. I want them to remove the still owing or past due balance. They are also doing this to my ex husband. They have violated the Fair Credit Reporting Act for over 3 years by re aging a debt written off and closed in XXXX. XXXX XXXX was the 180 day write off period. the FDOD was XXXX XXXX. 
I will never be able to get back on my feet if they continue this illegal tactic for both my self and my ex husband.

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 12-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My issues with the former XXXX XXXX-current Navient goes back to XXXX after I graduated. My repayments began in XXXX and I always paid on time through my online bill pay banking. In XXXX, I checked online and was shocked by all the late charges and extra interest notations. I counted 48 charges! I called and at first they were not sure what was going on but finally figured out that because I had 4 loans my payments were allocating each month to one loan, missing the other 3. Such a mess but they reassured me they would get it fixed and then reorganized my loans to take the payments correctly. While I had them on the phone I asked about the teacher loan forgiveness program and the PSLF and was given directions to access the applications/info online. It would have been nice if they had told me right then that I needed to convert my loans to qualify for the PSLF! In XXXX, I went ahead and completed the PSLF application as I thought I was around two years within the 120 payment requirement but like many, I was denied for having the wrong type of loans. I called Navient and they apologized and eagerly encouraged me to go ahead and convert my loans over anyway ( to a higher interest rate ) and just start the process over. I didnt do it as my payoff would be close to 10 years anyway so it wouldnt be worth it. I asked if there was anything else I could do or apply for and was told I could extend my loans or a forbarence. After all this I went back through my account history and they have still charged me random late fees when they have been paid on time! Anyone who has these guys, especially long term, need to go ALL the way back through their account history and check it carefully. Extreamly frustrated and disappointed with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid in full not settled a account for Citizens bank in 2012. I then received from the IRS a tax audit for a cancellation of debt from Citizens bank which I actually never settled paid in full and as I look closer looks like I paid more than what the debt was for and I continue to receive as of this month collection letters from collection companies the latest was XXXX. I have called sent letters I do not know what else I can to to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I notified NAVIENT and its debt collectors to not contact me and to have all communication with attorney XXXX XXXX. I provided an address and telephone number to NAVIENT and they continued contacting me at my job and on my cell phone. They contacted me in XX/XX/XXXX after NAVIENT was notified by me and Attorney XXXX XXXX VIA phone call in XX/XX/XXXX.  In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX NAVIENT and its debt collectors were notified via email to only communicate with Attorney XXXX about this fraudulent loan. They disregarded the request and continued contacting me. The last attempt to communicate with me was in XX/XX/XXXX and XX/XX/XXXX. I spoke with a vile and rude young lady and again informed not to contact me and to only contact attorney XXXX XXXX and XXXX continued calling. XXXX XXXX XXXX made several calls to my cell phone in violation of the no contact request. The NAVIENT

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Payday loan () with GVA Holdings, LLC (OH).
Issue: Applied for loan/did not receive money

Complaint: I applied for a loan, the company called my bank with me on the line and verified my information. I was told that the I was approved and that the money would be deposited into in two business days. at that time I was offered to received the loan in one day by paying an additional {$12.00} fee. On the day the money was supposed to be deposited in my account. I received a call from the company saying they needed a different work number. I had provided them with my supervisors number. They called after the wire cut off and there was no way to get me the money in addition they had been given the only number to verify my employment. I spoke to my supervisor this week. He was intending to discipline me because I broke security procedure and gave out the phone number. I corrected him and told him I had applied for a loan. He said the person who called him did not present themselves as a professional and he thought it was a customer. He said had they been able to communicate properly he would have verified my employment. I took a loan out to buy a luxury I did not have the money to buy. The company had me sign the loan document and said it was done. They did not keep their promise, as a result I have suffered overdraft fees and I want them paid. The company called me the next day after the day I was suppose to get my loan they wanted a different number. The damage had been done I told them I wanted nothing to do with them. Why would I go through this process a gain. Because the people doing the verifying are not American and obviously do not understand how to communicate when calling and asking for sensitive information. they were not able to verify. I have suffered do to the incompetence of this company 's employee and I feel they should pay my overdraft fees incurred do to their inadequacy. No I do n't want a loan from them. I want reimbursement of the fees they caused me with their lies. If my loan was not complete, they should have said so. I signed a promissory agreement and was told my money would be deposited on that day not it may be deposited. It was suppose to be a done deal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... XXXX ... XXXX ... nor Experian have done such. The inquiry is STILL on my 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 09/23/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Company representative said that if I do not pay the debt, then I will " be in a law suit. '' He then denied having made that claim. I informed the underlying creditor and the collection representative that I have been on medical leave and can not pay the bill. Upon informing the collector of my medical leave, he then asked " what the problem is. '' I informed the collector that he is not permitted to ask of my private medical information, he denied having done so and went on to provide an example of other customers who reported car accidents or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I went to their website yesterday, XX/XX/2017, and attempted to make my payment a day early. Did not show that payment had been processed instead showed " error in processing ''. I clicked the cancel so as not to make a second attempt. When I checked my bank this morning,XX/XX/2017, I found that they had removed TWO payments! I was NEVER notified that there would be two payments deducted. In fact, their website said there was an error in processing and I never received any notification from them. I spent the entire day trying to work with them as we are now left with a negative bank account and {$0.00} dollars. I have NEVER missed a payment with this company! I never had any intentions of making and additional payment. I was merely try to pay my payment a day in advance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion fails to remove the XXXX XXXX XXXX account.Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ON MY EXPERIAN AND XXXX CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. 
I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.

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 01/22/2018 about Debt collection (Private student loan debt) with AES/PHEAA (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: American Education Services/Pheaa recently reported my account delinquency status to the major Credit Bureaus in response to the account being delinquent. The Credit Report reflected a past due amount of less than {$100.00}, however, AES was requiring a payment amount of {$180.00}, as this was the standard figure per month. 

I 'll point out again, also, that AES should be stripped of changing due dates on any account, as they do n't handle those requests professionally and abruptly change due dates with little to no communication efforts at least 30 days prior to the account change. 

In addition, I would strongly advise AES to make careful considerations into who they employ to speak to borrowers over the phone, as some of the individuals who I 've dealt with sound very uneducated and are less cordial than any borrower would expect.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Per complaint # XXXX, as stated in previous complaint that I did not authorize credit pulls by anyone except those listed in that complaint. I also stated that I was unable to get responses from creditors, which I 'm assuming is because they did n't have my consent and therefore ca n't provide proof

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 01/15/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have written to Experian on several occasions disputing the fact that listed below are incorrect. The credit bureau refused to respond or continues to state that they verified the debt. Without Verifiable Proof ( an original Consumer Contract with my Signature on it ) .The account are the items the credit bureau has refused to investigate XXXX FL 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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX 2015 and XXXX 2015, I paid my mortgage but Seterus is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.

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 03/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Settlement process and costs

Complaint: In XXXX of XX/XX/2013 i went to XXXX bank XXXX to re-finance my home at XXXX XXXX XXXX XXXX XXXX. at the time my home loan was through XXXX XXXX XXXX. I was at at the time at water level but, still making my payments on time with an XXXX credit score .i secured the re-fi. From XXXX. That 's when all hell broke loose. XXXX XXXX XXXX tried everything in the book to railroad me. I filed a complaint with attorney General office XXXX XXXX, my senators office XXXX XXXX, XXXX. To no avail. They strung out the closing process until XXXX when i was in contact with the c.e.o 's of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. After 7 months of run the runaround she emails me and says she set up the closing with a XXXX XXXX. So l called my banker XXXX XXXX of XXXX to ask her if she was aware of the closing. She said she had n't heard from them. 
The next thing i know, XXXX XXXX XXXX claims to have sold the loan to ( ocwen servicing ). I called my land trust and talked to the attorney on staff since i had the home in a trust in my sons name. i inquired as to whom held the collateral? I believe they called it. and the attorney told me XXXX XXXX XXXX 's. so, we contacted the c.e.o of XXXX XXXX XXXX again to inquire what happened to our re-fi?. We spoke to " XXXX ". She said they sold the loan to ocwen. But, XXXX XXXX XXXX still held lein on trust and collateral!. So, we contacted ocwen only to be told by a " XXXX XXXX " that it takes 20 days to get in the system. So, 20 days later we contactact XXXX XXXX and say we have a XXXX dollar check for the re-fi. she says we dont own the loan we just service it. At that point i was hospitalized XXXX. I had enough and stopped paying my mortage. After 2 years i hired a attorney to handle this because it was killing me. End of the story i had XXXX dollars for them and they for what reason refused it. Now, my beautiful home of 10 yrs was stolen fron me by XXXX XXXX XXXX and their offshore XXXX company " ocwen '' Please tell me i have some recourse! My phone # XXXX XXXX XXXX. My name is XXXX XXXX you have my email.

Company response to consumer: Closed with explanation