milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, XXXX To : XXXX XXXX XXXX XXXX, Account number : XXXX Ive been approved for two payment extensions for my XXXX XXXX XXXX beginning XXXX XXXX. Since then I have signed the agreement and mail it out to the address on the agreement XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted XXXX about the status of the extension since I didnt see it reflected on my XXXX account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XXXX/XXXX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XXXX XXXX the negative marks from XXXX on are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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: I had told my Internet provider XXXX XXXX that I wanted my account closed months before my account was actually closed. I had gotten another provider, but they kept charging me even though I was n't using their services. I now have a collection from XXXX XXXX on my credit account that I want removed by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient holds my student loans and has once again stopped mailing me my billing statements. I can not make payments without the billing statements. I contacted them via telephone over 3 weeks ago and requested a billing statement. The lady I spoke to at Navient said that they had my home address entered as " terminated '' and was unsure why this was entered into their system since I have lived at the same address for over 1 1/2 years. I was receiving my billing statements every month until XXXX 2016 - suddenly, no more billing statements. 
I finally received a billing statement this past weekend and I have paid the full amount minus the late charges, bringing my account up-to-date. I should not be responsible for late fees that this company is generating due to it 's own inability to mail me my billing statements. This is not the first time this company has done this to me. They stopped sending my billing statements about 3 years ago and I had to call them to have them send me my billing statements. 
Navient has been calling me every day for the past 1 1/2 weeks now, requesting that I pay them over the telephone. I have explained to them on more than XXXX occasions the situation and each time they have told me that they have requested a billing statement to be sent to my home address. I am concerned that this company is purposefully not sending out billing statements to it 's clients to engineer " late fees '' to increase their profits. At the least, this appears to be very unethical business behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2015 about Credit card () with PAYPAL HOLDINGS INC. (OR).
Issue: Unsolicited issuance of credit card

Complaint: I check my credit report regularly, and I noticed today that in XXXX, 2015, Paypal Credit performed a hard inquiry which I did not authorize. I already have such an account and neither my wife or I applied for another. In contacting them, they only have record of an application for credit with my SS number, which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX XXXX card on which I had accumulated XXXX in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.

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 01/29/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Struggling to pay mortgage

Complaint: I have a home where my parents ( were/on title with me ). My father passed away in XX/XX/XXXX and I was trying to do a modification in XX/XX/XXXX and was denied the modification because his estate did not go through probate. My mother and myself did a quit claim deed from his estate to her and myself and then my mother did quit claim deed from her to myself to be able to clear title issue that mortgage company said we would have. This was not acceptable to them to clear title however when foreclosure papers came it showed just my name as owner of said property. 

I was told that in Minnesota when quit claim deed does not state joint tenants or tenants in common it defaults to tenants I have attached the affidavit of suviorship, quit claim deed and first page of foreclosure information received from Wells Fargo and it clearly shows all transfers done and recorded at county

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 01/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: On Monday, XX/XX/XXXX, I called American Express ' ( aka AmEx ) customer service to see if I could cancel my XXXX AmEx card and apply the fee ( {$190.00} ) towards the regular Platinum AmEx card. The customer service rep told me that if I bought the regular AmEx card with her on the line ( a {$450.00} fee ), she would refund me the XXXX AmEx fee afterwards. I agreed, and bought the regular Platinum Amex. The *only* reason I bought the platinum AmEx at that time was because I thought I would get the Delta card fee reimbursed. As soon as the transaction had gone through though, the customer service rep informed me that she would not actually give me the full refund. I hope CFPB will look into American Express 's making fraudulent statements to get people to buy their credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Problems when you are unable to pay

Complaint: my car that i purchased off the showroom floor in XX/XX/XXXX went to chevy heaven in XX/XX/XXXX.in those years there were many life incidents that occured where i went from a XXXX score.I needed a car for this new job, and acted hastily on because of my poor credit.well, the job was too far away and with living expenses and car payment, this new venture was not worth it.i contacted the " credit acceptance '' corporation many times for help.i begged them to lower my car payment and offered a XXXX payment for car. they were rude and just kept telling me " your loan is what it is ''. i have paid off XXXX vehicles in my years!! i came into financial hardship and this company would NOT help me.now i have a judgement!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have called a few times in the past to get an exact percentage as to what my interest is on my current loan and I have been given the run around on it. I was told XXXX different numbers which did not add up correctly when running the numbers through a spreadsheet then I was told it was in my promissory note. I checked that and that lead me to look at a XXXX XXXX number which did not add up either. Been lost in all of this and felt that I have not been told what is the exact interest number as it seems like it constantly changes. 

I understand the amount I have left, but what interest do I owe? If I gave you XXXX each 30 days, how much of that goes to the current balance and how much goes to the loan? And why does it change? How do I know what I am actually paying?

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (OH).
Issue: Loan modification,collection,foreclosure

Complaint: WelI have been trying to get a mortgage loan modification since XXXX of XX/XX/2013 on my XXXX mortgage, from the same lender and I have not gotten anywhere with this lender I keep sending in information every XXXX days because they tell me to fill out a application every XXXX days.It has been absolutely mind boggling why they keep stalling me for this long, I know they receive money for each time I fill out this application for modification loan. XXXX dollars I keep talking to different people every time I call, I have requested for a manager or supervisor to contact me that never happened, I 've ask for a new representative XXXX different times now and they all react the same way do n't communicate you have to continually call them my account has gotten to about XXXX dollars behind now. I was told to file a complaint against this company for all the stress that they are taking me through concerning this loan my wife is not making the money we used to make an so we ca n't pay the amount that they are asking us to pay and so we had a modification for our XXXX loan through usbank, and now it seems as though they wish not or want to string this XXXX modification out for as long as they can and its just not right I have filed a complaint with usbank escalation dept. and I was sent a letter from usbank and was told that if I filled out another application that they would escalate the process that was XXXX again XXXX months ago I have not heard anything at all I have had it with usbank!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Payday loan () with Mobiloans, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$600.00} as a short term loan and intended on paying it off. I was charged a {$150.00} cash advanced fee. They automatically took out {$96.00} out of my checking account, which I tried to stop and they failed to let me after I sent them emails and phone calls, which were of no help. Then they charged me a {$65.00} finance charge on the XXXX, which brought my total back up to $ XXXX.The next minimum payment is {$110.00}. {$65.00} would go towards the finance charge and the remaining {$48.00} would go towards the principal balance. Then they plan on charging me another {$65.00} finance charge on XXXX XXXX on top of the minimum payment.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: Its pretty simple. My wife and I booked a trip to XXXX place on our Chase Credit card in XXXX for {$180.00}. We had to cancel and XXXX issued a refund to Chase for {$180.00} in XXXX ( we never received ). Between XXXX and XXXX our card number was stolen and Chase issued a new card number. It is now XXXX and Chase refuses to forward the refund from XXXX to our account. I feel like we are caught in Chase red tape because our card number changed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Medical) with The Receivable Management Services Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received XXXX letters on the same day from RMS in XXXX, XXXX. I am a resident of XXXX. 

The XXXX was a request for payment of an account with " XXXX XXXX XXXX ( re '' totaling {$1300.00}, dated XX/XX/XXXX. The XXXX was a letter " responding to your recent request for supporting information '' about the debt mentioned in the XXXX letter, and was dated XX/XX/XXXX. Attached to this XXXX letter were XXXX statements. The XXXX was from XXXX XXXX XXXX, and dated XX/XX/XXXX. It displayed a balance of {$1100.00}. The second was from the XXXX, XXXX Government, and displayed a balance of {$600.00}, and also dated XXXX. 

Neither of these documents had my correct name, Social Security Number, or any other correct information. This is not a debt I owe, and RMS is quite obviously trying to get any money they can from me for what appears to be an international, fabricated debt. 

At no time have I communicated with RMS prior to receipt of these letters, so their second letter " responding to your ( my ) request '' is utterly bogus. Of course, that 's in addition to the utterly bogus " debt. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, while still completing my XXXX at The University of XXXX I applied to consolidate my student loans through the student loan office. 

I was very clear that I was in Education and hoped to eventually qualify for the Public Service Loan Forgiveness Program ( PLSF ) and was told that the consolidation was the only way I could do this. They told me that everything was setup and that I should be fine to do this, to make sure I made my payment on time and never missed for ten years. 

I completed my degree in XX/XX/XXXX and found a position at the XXXX XXXX XXXX in XX/XX/XXXX and began working full time. 

At some point, I received a notification that Navient had purchased my loan and I did not receive any information from them that my loan would not be able to be forgiven ( FFEL Loan ). 

I completed a the PLSF Employment Certification Program with my HR department at the University and submitted it to Navient on XX/XX/XXXX. 

I was informed that my loan was not a Direct Loan and not eligible for the PLSF. 

I am poised to apply for an income based repayment plan, but am reluctant to do so if this muddies the waters. 

Can you help me? I think that something changed and I do n't know where to begin to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened an account with Synchrony which bank/amazon. They immediately put a fee of XXXX that I did not sign up for. It took me two months to remove the XXXX. Then I bought a pair of shoes from Amazon. I did not even open the package ; sent it back. Amazon applied a XXXX credit. to my account. Synchrony started billing me XXXX which included a XXXX fee. I wrote them a letter on XXXX, 2017. No  answer. I contacted Amazon No response. I then contacted the shoe company that I bought the shoes from. They said they applied XXXX. I received my bill from Synchrony on XX/XX/XXXX wrote them a letter again. No answer. I do not owe this credit card money. Please help.

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 08/28/2015 about Debt collection (Credit card) with Nathan & Nathan, P.C. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: They took an illegal action. After agreeing to pay a monthly payment of {$100.00} per month. They withdraw {$500.00} during the second month even though I paid on time. is this a violation to the fair debt collection act or the Electronic Fund Transferred Act? XXXX however my bank did refund the charges. I am now afraid to deal with this law firm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I had a capital one credit card. I fell behind in payments because I lost my job. When tax time came I called capital one and asked for a pay for delete because they had been reporting on my credit report ... I was agreed and I made the payment. I paid the complete payment and to this day the acct is reporting as closed and paid but its still reporting as a collection on my credit report as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I found a problem on my report and asked for an investigation of the charges. They said I could n't use the report number I had because of security issues. I asked for my annual report and they said I had received it. Yet they refused to let me use the number because they have been upgrading security issues they have experienced. Can you please help me get a report with a number they can use?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (I do not know) with NCC Business Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: NCC Business Services, Inc with and address of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed up on my credit report in the amount of {$3300.00}. This is from an apartment I rented several years ago. I placed a first and last months deposit down. I moved out, gave proper notice and was never given my last months deposit back as a walk through was not scheduled. Now I have this on my credit report from a company I have never hear of. They have never called me, never sent me any formal notification of the debt, no contact or notice at all. I called them when I saw this on my credit report and I was provided a break down over the phone that I owed this money for carpet cleaning, fleas, rent and late fees. I requested that information be sent to me with a break down and description of what I was being charged so I could review it and try to contact the original rental company but NCC refused to provide me anything and said they could not provide me with any information. This is a bogus debt and I have disputed it on all XXXX bureaus just to have them come back and say it is not being removed. I do not understand how to resolve an issue that I ca n't even review documentation on. How can you pay on something that you do n't even have supporting evidence of and I know that the fees are not accurate or valid. I gave proper notice and was never given anything by the original apartment complex advising me of what NCC is now saying.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: The problem is with my Banco Popular de Puerto Rico credit cards. Last XX/XX/XXXX, we purchased some windows from XXXX XXXX XXXX in PR for {$10000.00} plus {$2600.00} ( installation cost ). The deposit appeared on the XX/XX/XXXX statement and remaining balance charges appeared for the first time in the XX/XX/XXXX, statement. Even though the company offered 10 years warranty, as soon as they were installed we have noticed that the windows do not open/close properly, some mechanical parts broke, etc. This all happened in the middle of Hurricanes Irma and Maria problems in PR. We did our best to reach the seller and filed a complaint with them but there has been no response. Our last contact with the seller was on XX/XX/XXXX via email, but have not received any response. On XX/XX/XXXX, we filed a complaint with Banco Popular de PR, and today the Bank called to state that my complaint was late and that they were not going to process it. I understand the delay, but the bank should take into consideration that the quality of the purchased products could not be assessed before the windows were installed, that happened in XX/XX/XXXX. The bank should also take into account that the hurricanes were the main cause for the " delayed '' filing.

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