milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In  XXXX  of  XXXX , I applied for  IBR. I w as approved for $   XXXX   monthly installments. I was told my past payment history would be ma rked PTD  and the " late payments '' would be removed. They were not.  <P/> In  XXXX  of  XXXX  renewed this option. They denied the application and i called  XXXX   XXXX  and  XXXX   XXXX  of  XXXX  to try to fix this. They forced me to claim 2 months of forbearance for their clerical error.  <P/> On  XX/XX/XXXX  I was suppose to begin making payments of {$35.00}, when I called that same day was forced to take another month of forbearance due to continued errors on their part. Was informed payments would start  XX/XX/XXXX  On  XX/XX/XXXX  I called again for info, according to them my payments were {$94.00} and they lost the signature page. Was then placed on a 60 day administrative hold to reapply  Reapplied for IBR   XX/XX/XXXX  Received bill  XX/XX/XXXX  saying i owe  XXXX  a month received another statement  XX/XX/XXXX saying I owed  XXXX  a month Called  XX/XX/XXXX  and explained all confusion and they rushed the  XX/XX/XXXX  application after trying to force me to again to take forbearance.  <P/> Reapplied f or IBR   XX/XX/XXXX  received notice that the application wasnt approved after they again lost documentation i sent in ( signature page and  XXXX  ). Called and attempted to resolve XX/XX/XXXX  with no resolution.  <P/> They tried to move my monthly payment up from  XX/XX/XXXX  to  XX/XX/XXXX . Called to see if they had finally fixed this  XX/XX/XXXX , and they finally had it all fixed correctly.  <P/> I have document to prove this, just can not attach them from my phone. I am willing to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, 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 12-05-2015 about Credit card () with Continental Finance Company, LLC (OH).
Issue: Advertising and marketing

Complaint: THEIR WEBSITE IS NOT WORKING

Company public response: Company 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. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: OnXX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.

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 08-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My son has several loans under the collection wing of Navient. My son lives in XXXX and has been denied an opportunity to lower his payments secondary to me ( his mother ) being a co-signer. I too am paying school loans and currently work in public schools, we do n't make much is public schools. I have tried to make payments of XXXX monthly and my son pays the remaining XXXX or so dollars. In XXXX hehas had a difficult time with money transferring to his Navient account. The 1st day it is late I receive upwards of 7-10 calls from Navient. As a nurse whose phone is used for district business, I have repeatedly asked them verbally and in writing not to call my phone. Navient uses numbers from all over the U. S. New York to Florida, XXXX, to XXXX. We are good people who work hard. Navient is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXXThis account was paid in full. This is inaccurate. 
XXXX XXXX XXXXI was NEVER late. This account is misleading XXXX   XXXXThis account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXXThisdate of last activity is misleading. 
XXXX  XXXXI was never late. 
XXXX XXXXI 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXXI HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXXXXXX XXXX XXXXXXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXXThis account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TSI claims I made a payment to them on a loan they are allegedly servicing but have never verified, nor has the original owner XXXX XXXX XXXX verified/identified TSI as the loan servicer. On top of this TSI claims I made a payment on my credit report on XX/XX/XXXX, which is impossible as I was not aware of this entity until XX/XX/XXXX when they filed a collections claim on my credit report without ever contacting me ever in the past, though they also allege on my credit report to have been servicing the loan I had with XXXX since XX/XX/XXXX, outrageous since XXXX told me on phone conversation in XX/XX/XXXX that they did not know of any account in my name or with my social security number, which means they lied to me because on XX/XX/XXXX they now were able to find my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: In XXXX 2011, I was involved in a car accident. The car was financed by Nissan Motor Acceptance. During that time, I never received any documents that the car was being sold for scrap. The car debt was sold to a collection agency. it is now with a new collection agency and the agency is threatening to sue. However, I have informed the agency that I did not receive any information from NMAC about the debt or car being sold. The agency has also refused payments. 
Recently, the debt was removed from my credit report and added back on multiple times. I have provided proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: there is some account on my report i have no clue who this belongs to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Auto) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In response to my complaint to CFPB Complaint number XXXX, Toyota shows that they have removed the account from my credit report instead of updating the Credit Filing Rating Status to " GOOD ''. They refused to show me dates that show my wife, XXXX XXXX ( joint account SSN XXXX ) and I were late in which we were not and I showed them the many descrepancies they had on both of our credit reports showing the wrong last date of payment and they show XXXX XXXX day late payments instead of XXXX that is reported on all XXXX of my wife and my credit reports. All we wanted was our report to show a " GOOD '' rating and instead it looks as if Toyota took the account completely off our credits reports as if the account never existed. We just wanted both of our accounts to reflect a positive rating. Toyota account XXXX and my spouses ( XXXX XXXX ) CFPB Complaint number is # XXXX. It is a joint account and we both are trying to get this accouterments with Toyota cleared and our credit rating in GOOD standing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (AR).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: My truck was repossessed by XXXX XXXX XXXX due to my failure to make payments adequately. My dad paid the truck off in full within the time that the bank said that we could pay it off which they told us by phone was on or before XX/XX/XXXX. They gave instructions for sending a cashier 's check by XXXX XXXX and a check was sent and delivered on XX/XX/XXXX which was confirmed by the XXXX XXXX routing number and also via phone with bank employees. The first problem was they LOST the first check, so cancellation had to be made on that check which the bank said needed to be done by XX/XX/XXXX, and another cashier 's check was sent by that date. Even though we were supposed to have until XX/XX/XXXX to pay off the truck, they had already sent it to XXXX and it arrived on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). My dad XXXX XXXX and I had to drive to XXXX to pick up the truck, and we did on XX/XX/XXXX. We have been advised by phone numerous times we would receive the title and release of lien but still have not received it. We employed an attorney who was given written permission to talk to the bank on my behalf, but he has had trouble getting them to respond to his inquiries. Other expenses were incurred in getting the truck from XXXX XXXX in XXXX including travel expenses of {$540.00}, {$580.00} fees paid to XXXX XXXX in XXXX and {$36.00} XXXX XXXX fees to send a second check. Since we do not have the title we can not put a license on the truck nor sell it. We are very upset by the unprofessional operation of this bank and their lack of integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
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: There is an account on my credit report that is not owned by me. I have requested its removal on three occasions. Each send registered mail. They have reported the account as updated but the account remains unchanged.

I have requested verification of the account as I am certain this is not my account ; this has not been provided despite three requests. 

Most recent letter states they had incomplete information to complete my request. The letter does not specify what exactly was incomplete. I have provided copies of identification, utility bills and supporting documents with each request.

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 08-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, I obtained a copy of my credit report. It lists a negative report by the following agency : CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX Stating : Potentially negative items Collection account. 
{$150.00} past due as of XXXX 2016. 

A photo can be attached. 

This is not my debt. I have never had a XXXX account. I have contacted Convergent Outsourcing but have not had a reply. The only contact they have had with me is the indirect contact by posting false information on my credit report. 

That is libelous and a defamation of my character. I demand that the agencies be contacted at once and have all negative remarks and accusations removed from all credit bureaus. 

Further, according to the Fair Debt Collection Practices Act, section 809, Validation of debts [ 15 USC 1692g ] : ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ... 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


They failed to perform the quoted sections and are thus in violation of the Fair Debt Collection Practices Act. They have never ever contacted me either by phone or mail or any other method or made any attempt to do so. 

Due to the fact that they are in XXXX and I am in XXXX, I wonder how many other people with a name similar to mine received similar derogatory reports. 

They need to correct this at once.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NC).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: A check was written to pay for day care services for {$600.00} I signed the check the same way I sign every check. The check was returned due to an invalid signature. The signature is the same signature as other checks that paid recently and the same day. No one reached out to me to ask if it was valid. Spoke to client esacalations and played phone tag with rep. Called back and got a different rep and he said there was nothing he could do to cover the {$25.00} charge that I am being assessed by the payee. This is  PNC 's fault. PNC needs to pay the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Potential Bait and Switch by American Express : American Express sent me a mailer offering XXXX Delta mileage points if I spent {$3000.00} within 3 or 4 months. I agreed to that offer, spent the {$3000.00}, and then did not receive that XXXX points. I contacted American Express, which then told me that I did not qualify for that offer, after the fact that I met my part of the contract. American Express then stated they would " look into it '' and expect an answer in 6 to 8 weeks. Of course no contact from American Express. 3 months later I again contacted them, and again the answer that " since I had a card from them 2 years prior '' that I did not qualify. ( Then why send me the offer?! ) My apologies to bother you with this. 
Those XXXX points can be worth up to {$1700.00} or so in air travel, so this is significant. 
My request is that they award the XXXX miles as they offered. 

Lastly, I recommend that the Federal Trade Commission and the CFPB make it a requirement that these kind of offers be clearly part of the credit card application process, that shows that a consumer " qualifies for their bonus or not '' at the time of the application ... .if not, then the consumer will not be misled and will go elsewhere for their business. These corporations should not be able to make an such an offer, then " we 'll look into whether you qualify for the bonus or not after '' switch after ... Is that a " bait and switch or some other illegal or unethical practice? ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (I do not know) with Medical Data Systems, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Medical Data Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 03/15/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hi, I have received recently a copy of my credit report and saw a card on it that does not belong to me. I have never have an account with Capital One, and have never make any payment on it, not in the past and not at present. 
It state the card was open on XX/XX/2001 and have a Credit Limit of {$11000.00} I saw my report before and did n't see the card before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXXaccount on my trans Union credit report thats not mine I them to supply a document showing my signature. But as of today I still have not seen so I need these removed asap. XXXX XXXX and wells recovery XXXX I do n't have the account numbers sorry..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Since opening my account with CitiBank N.A. I have had nothing but issues, First, I was told I could Not have a debit card because the account was too new, but instead could have an ATM card to access cash when I needed it. 3 days later I got a debit card ... Now this morning XX/XX/XXXX I log into my online account to check my direct deposit and current balance, and Im XXXX short compared to what I should have in my account. When I called Citi Priority to ask what is going on, I was told I was overdrawn. I went to sleep last night with a positive balance, and managed to spend money while I was asleep ... asked for a supervisor who said that in " Overnight processing our system gets a little crazy and that is not your accurate balance '' I work for a bank ... ..And I have never EVER heard a representative openly tell a customer 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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX 2017.  XXXX, Experian & XXXX. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.

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