milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On  XXXX   XXXX ,  2015 . Transunion reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. Thank you.

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 01-09-2018 about Mortgage (Other type of mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: Our loan was recently sold to a new company which outsources its servicing to Specialized Loan Servicing, LLC. Since the transfer the customer service is awful and they have not been able to provide us with the ability to obtain Checks to use against our Home Accelerator Line and our monthly statements fail to provide any specific information on who or what entity is pulling money out of our account which prevents us from reviewing for any fraudulent activity or identity theft which is a huge concern in this financial environnment. The basic information needed on an a monthly account statement for any sort of bank reconciliation is missing. 

Its seems as if the financial insinuations do n't want to comply with regulations so they are outsourcing to this company which seems to be inadequate in providing the very basic information to consumers to properly monitor the withdrawals and payments of equity lines and loans. They fail to provide any detailed account information showing where any of our monthly payments to the loans have been applied. I assume they are required to comply with the minimum disclosures and fraud prevention as a servicing company but have told us they do n't have any resolution at this point. There also seems to be hundreds of complaints on line about the servicing and payment allocations of this company and I am concerned that we will also be subject to similar violations.

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 04-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am unable to make teh required payment on my private student loans from Navient. I have requested that they only contact me via mail on this matter and that they no longer contact third parties ( friends and family members ). They continue to do so however, and are claiming in their most recent letter that tehy can do so. I 'm attaching that letter and my response. 

Thanks you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Payday loan) with Pinnacle Asset Management, LLC (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received a call stating that I owed money for a breach of contract with a payday load from 2013. I had informed them that I did n't have any open accounts at XXXX Bank at the time except for a health savings account which had no transaction history. The woman said that she thought this was fraud and would review with her supervisor -- -a few weeks later I got a call stating that I wold be taken to court if I did not pay and that in their system there were no notes about previous conversations and I needed to pay the balance or go to court. They offered me a settlement amount that I paid. I reviewed all of my bank account statements after and was unable to locate anything they were talking about. They said this loan came from XXXX XXXX XXXX and it was XXXX loans

Company response to consumer: Untimely response
Consumer complaint received 07/31/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Problems caused by my funds being low

Complaint: This is the XXXX time I am complaining to you about the unfair banking practices of Wells Fargo in relation to their checking accounts. I accessed my bank account online and Wells Fargo showed a posted balance of {$190.00}. The asterisk clearly states the posted balance includes transactions that are pending, thus leading the customer to believe the posted balance is the remaining balance minus the pending transactions. So, over the weekend I purchased XXXX product for {$12.00} and then another product for {$5.00}, which are new transactions totaling {$17.00}. The new transactions totaling {$17.00} should well be covered by the posted balance of {$190.00}, right? No, I was charged XXXX XXXX overdraft fees for a total of {$100.00} to cover the {$12.00}, {$5.00} and another recurring {$4.00} transaction. The posted balance is a false balance and leads the consumer to think he or she has more money in the account than he or she actually does, So what happens? The consumer purchases something within the posted balance and creates overdrafts on multiple items, which is profit for the bank. ( I do n't think it costs the bank {$35.00} to " cover '' a {$12.00} or {$5.00} purchase ) Either the bank 's assertion that the posted balance includes posted AND pending transactions is purposely misleading or the posted balances are miscalculated. In either scenario, the consumer is primed for overdraft fees. This practice must stop and I am asking your Bureau to investigate and ensure personal checking balances are accurate within the industry. Personally, I believe I should not have paid overdraft fees since I acted on the posted balance as stated by Wells Fargo and I am seeking reimbursement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2016 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Can't stop charges to bank account

Complaint: On XXXX/XXXX/2016, I contacted the payday Lender Big Picture Loans , LLC. I explained I either needed an extension on the pay date or change the payment type ( due to low or no funds in the acct listed on loan. ) The representative stated they could not change the date or payment type because that 's how its listed in the contract. I explained that the payment will be returned because my pay day dates changed. I notified my bank on the following days XX/XX/XXXX-XX/XX/2016 and spoke to several representatives from the bank regarding this payment and that I did n't want it processed due to no or low funds. The bank is also aware that I do not have overdraft protection and declined this service. This payment was processed and paid by my bank and now I owe and am overdrawn on my bank account with overdraft charges and fees. I spoke to a bank representative on XXXX/XXXX/2016 who stated that the payment was put through because it was an auto withdrawal, even though I told them not to put the payment through. 

I also just found out that Big Picture Loans is not authorized or licensed to operate or provide loans out of the state of XXXX, where they are located. 

Payday Lender is Big Picture Loans , LLC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have asked Experian to delete negative information on my report and they have fail to provide me proof of collection accounts.

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 08-01-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I got a promotional flyer with a new address packet that promoted a {$150.00} Balance Builder Bonus when opening a new One Deposit Checking Account. I went into this local branch and talked to XXXX XXXX about it on XXXX XXXX, 2017 and signed up for this checking account. XXXX went over the qualifications for this including him saying a {$500.00} deposit needed to be made within 60 days of the account opening, among other stipulations. I made the {$500.00} deposit that day, although the bank broke it up into 2 different deposits for some reason. The account was opened for the 90 days as stipulated, and I made a monthly deposit as required. I did not see the deposit so I called their customer service dept and was told it had to be a direct deposit of {$500.00} from an employer or other pay source. I stopped into the office and XXXX said that he would make sure I received the bonus, even if he gave me incorrect information because that was his fault, and to let him know if I do n't receive the bonus by the end of XXXX. I did not receive the bonus and emailed XXXX and on XXXX XXXX, 2017 he received notice the bonus was not triggered and he escalated the issue to a higher realm. I received a call on XXXX XXXX, 2017 from a the Resolution Department with Citizens. The woman 's name was XXXX ( spelling? ). She took the information and said she would contact the marketing department and get back to me. She called me back that same afternoon and said because I did not have a direct deposit from an employer I did not qualify for the promotion. I argued that I was told something different and she just kept repeating " You do not qualify for this promotion ''. I called XXXX XXXX at the local branch office and told him what I was told and he said he would send a problem ticket to another chairman and let them know of the situation. I have not heard anything from anyone since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (OK).
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 obtained XXXX separate student loans from XX/XX/XXXX to XX/XX/XXXX to attend XXXX College XXXX XXXX  XXXX. Nelnet was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XX/XX/XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the Department of Education. In XX/XX/XXXX, I applied for XXXX XXXX XXXX XXXX XXXX through Nelnet and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I received a discharge letter from Nelnet. All XXXX of my loans are being reported twice on my credit report by Nelnet. Nelnet corrected the status of XXXX of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX  report during XX/XX/XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining XXXX loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that Nelnet would correct the reporting of these accounts, however this has yielded more issues. Nelnet responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called Nelnet to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. Nelnet reported all XXXX of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed XXXX by Nelnet now, with the status not being corrected on the first set of loans reported. Also, all XXXX of the loans are listed on my report by the Department of Education in a paid, written off collection status. These loans reported by the Department of Education were in good standing up until the point where " inappropriate '' corrections were made. In short, I have XXXX separate loans that are being reported three times with all XXXX  bureaus. Each loan is being reported as a derogatory account XXXX, XXXX by Nelnet and XXXX by the Department of Education. This amounts to XXXX derogatory accounts on EACH of the XXXX bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received this XXXX XXXX XXXX of debt in 2015 to claim on my taxes. I got it after I filed my taxes. I ended up ammending them and claiming them on my taxes. I had to pay taxes on them so I have contacted Discover multiple times by phone and disputing on my credit report. They always come back with the information is accurate and will keep showing it on my credit report the way it is. I went and got credit counseling and they said what Discover is doing is illegal. They are showing a revolving balance and they charged it off and I claimed it as income. This has been an ongoing process for two years. I want it to show properly and not show a balance. This needs to be taken care of I will submit my proof along with this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I am going through a domestic abuse situation and need the full contents of my bank statements from the time I opened my account until now. Wells Fargo does not let customers view online ledgers past 18 months at all, and then charges {$5.00} per month if statements previous to the 18 month period are needed, or if they are printed at a branch. 
They are denying customers access to their own information, and then charging for the 'privilege ' of obtaining it when they ultimately have to contact Wells Fargo !

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 11-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: A prepayment large fee was charged Did not give us the 5 days notice this was happening. Had no knowledge at the original time of the loan this existed

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 06/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My interest rate has increased on a student loan on that I had a locked in interest rate previously with XXXX XXXX at 8.75 % and now it has increased with Navient to 9 %, which they say is due to 'libor rate ' which is not what was told to me in the several recorded phone calls I had with them. In addition, since I paid 'in advance ' a one time lump sum payment of $ XXXX, it is now nearly impossible to make an automated payment over the phone and when I actually get a representative on the line, they want to charge a fee of {$14.00} for taking a payment over the phone!! Not to mention their practices of not including, all in one area ( even online ) how much I pay, the interest that was paid and my new balance - this information is separated and spread out making it beyond difficult to keep track of my principle balance!! This has been the worst experience ever trying to pay off this private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 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: Information belongs to someone else

Complaint: I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Would not identify themselves with phone call at first. Threatened to sue me for illegal activities associated with taking out the loan because my bank account was closed, etc. I filed for ch XXXX bankruptcy and it has been discharged in XX/XX/XXXX. This debt is from XX/XX/XXXX I think & is included in ch XXXX. I phoned my attorney & asked them to send information to this collector to stop the harassment. They are calling me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Bank account or service (Checking account) with DISCOVER BANK (MD).
Issue: Deposits and withdrawals

Complaint: I received a targeted offer from Discover bank to receive a {$300.00} bonus however after fulfilling the terms of the offer, they would n't give me the bonus and stated that I was not part of the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, 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 2017, I attempted to gain verification and validation of the debt via XXXX credit reporting bureau. To date, all I 've received was a bill from the original creditor. I do not have a contract with XXXX XXXX nor do I owe them any funds. However, XXXX XXXX is reporting negatively on my credit file. Ref acct. # 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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in 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 10/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have contacted Bank of America NUMEROUS times about identity theft I was experiencing. Bank of America still refuses to cooperate and remove the fraudulent account from their systems and my credit report. I have submitted police reports, my identifying information, and proof of military service to them repeatedly. They keep claiming I am responsible for the credit card even after proving I was not even in the country. I was XXXX at the time the credit card was opened. Despite my diligent efforts, Bank of America refuses to remove the debt and ask the credit bureaus to remove the fraudulent account. Currently there is a balance owed of over XXXX on the card. I have spoken with managers and representatives with no resolution. My next step will be legal action through the necessary courts for a lawsuit.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have repeatedly encountered unethical behavior from Navient, my loan provider. Since I began taking out loans in XXXX, I have had customer service representatives tell me via phone that my first option was to defer or forbear. They then told me what my full payment would be without Income Based repayment, asked if I could pay it, and when I said I could not ( it was approximately {$500.00} per month ) they said I could forbear. At no time was I offered the option of Income Based Repayment. I chose forbearance several times because Navient did not ever provide documentation or tell me via phone calls to customer service that I was eligible, or able to, have an income based payment. This has cost me thousands of dollars. Additionally, some of my interest rates have changed dramatically, from 3.2 % originally to 6.8 %, with no documentation, notice, or information available on my account on the Navient website. Futhermore, I was never told, in writing or over the phone, that Navient charged late fees of their own. On a phone call XXXX/XXXX/XXXX, when I learned about late fees from asking questions, the woman on phone said someone in " back office '' would mail me a copy of itemized late fees in 5-10 business days ( XXXX XXXX ) and that I should call XXXX if I need to follow up. I was told over the phone that since XXXX, I was paying {$67.00} per month just for my federal loan. This is far more than even some of my payments on my income based repayment plan. At no time was the late fee disclosed in writing, OR itemized on any of my statements I received from Navient. When I finally received documentation of late fees in writing, I saw that my late fees were {$6.00} per loan. There is still nothing on the website disclosing late fees on my account in any way in the online portal I use to service my loan. In the years since I began taking students loans in XXXX, and my final ones in XXXX, my total loan amount has over doubled and has continued to grow as I have finally begun an Income Based repayment plan. I believe these factors and situations demonstrate unethical behavior on the part of Navient.

Company response to consumer: Closed with explanation