milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Navient has places XXXX individual items on my credit report and will not provide the information that is being requested of them in order to validate the loans and confirm the information within. In addition to not providing the appropriate documentation and also reporting to XXXX and XXXX that I have had late payments within the last 12 months. My credit reports also states that navient has managed my account since the inception of the alleged loans which is also inaccurate. Navient has been unwilling to work with me in relation to the matter but has stated that my requests are frivolous in nature. Navient has violated the XXXXFDCPA and FCRA. I have asked on numerous occasions for a validation of debt and somehow they are able to validate the debt with XXXX and XXXX but not me. All communications have been sent via registered mail and I have pointed out each violation, but yet while under investigation, they still report which is another violation. Navient is not compliant to do business within the state of TEXAS and at this point lawfully has no right to report anything on consumer credit reports. Navient is indeed a 3rd party debt collector and has not filed with the state of TEXAS nor do they have a BOND issued by a accredited bonding company. In addition to the items provided above, they have also not been able to provide the wet ink signature for the contract that I have within the company which is an additional violation. Due to the negative derogatory item on my credit report I have been turned down for loans and business opportunities due to the derogatory items that they have placed on my credit report. I request to see the verifiable, valid proof ( an original contract with wet-ink signature on it, copies are not validations ad by law are not considered proof ) I would like for navient to remove each XXXX items from my report based on the information provided above. I also seek damages for the issues and hardships they have caused me for suppressing my credit scores in an effort to get payments from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Helvey & Associates (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I explained to the collector that the energy company had provided me with a refund. All mail was forwarded to my XXXX XXXX XXXX Never received bill. I was willing to pay once the collection agency submitted to me a bill for the requested payment. He assured me that he would. I have received no such information, only a bill presented to me by the collection agency. I feel that an itemized bill is not to much to ask for since I received a refund check but never a bill payment due. 
I am still looking for validation that I owe these monies. I do no think I should pay a bill to anyone who can not present proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/XXXX my checking account and linked savings was loved by Wells Fargo. My account number was XXXX I was told my account was closed by loss prevention because of fraudulent activity on an account in XXXX. The account in question from XXXX, was reported by myself to Wells Fargo fraud department/phone number. My previous account had checks missing, so I reported this immediately. However despite funds being deposited in the account, a previous drawn check, had been deposited the day prior to myself contacting Wells Fargo about the missing checks that had been taken by a former housemate, as I was then in the process of moving. This freeze on the accounts funds, caused the check written and deposited in to a account at a different financial institution to be returned. This was an account at XXXX Bank XXXX # XXXX Acct XXXX, which was reported on XXXX describing exactly what I have stated for the reason I am presently describing.

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 07-05-2016 about Debt collection (Medical) with Debt Recovery Solutions, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company Debt Solutions never sent me a Dunning Notice upon receiving the debt in XXXX 2016. They just placed a collection account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan.
I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX I tried both by internet and phone to contact this company to freeze both my credit and my husband 's credit. I could not get through and ended up mailing the information required to freeze each of our credit reports by Priority Mail. I also sent two checks to pay for the service for each of us. The mail was certified delivered and I have n't yet heard a word from anyone

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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 recently submitted a request to XXXX as well as experian and XXXX to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also XXXX totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. XXXX updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.

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 12/24/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (MT).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage loan through US Bank. We had mortgage insurance on our loan and it was taken off earlier in the year because we had paid our loan low enough for it to be taken off. It was off for a couple of months and now I noticed it was back on there and we have been paying for it for months now. Now they are saying I am short on my escrow account. Is this any type of fraud? Also when we got our loan we had our property appraised and it appraised at a price we would not need mortgage insurance well they came back at us and said FHA requires XXXX appraisals. When we received our XXXX appraisal it was XXXX dollars lower than the XXXX appraisal. They told us they had to take the lower appraisal and we were going to be charged mortgage insurance and we back out now we would be charged thousands of dollars. 
Please email me back. Thank you for your time I really appreciate it.

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 09/27/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: APR or interest rate

Complaint: Citibank was charging me interest at a penalty rate when the account should never have been in penalty status. No payments had been missed. I was making payments weekly of {$200.00} which was more than the minimum due however the system would show it as late. Even still after 1 year of the penalty rate they still charged it past the time allowed per the terms. I never was notified of the penalty rate and realized the interest rate when I was checking the statement as I noticed since the card had very little use and should be at a lower principal balance because of payments being made are well above the minimum due. They have " cured '' the account now after further investigation with the interest rate and even the representatives have said they ca n't understand why it went to penalty pricing as it should not have. When I asked for a credit for the interest calculation for the error they have done I am getting no where and they are laughing at me. Also the penalty pricing was placed during a time that I reported fraud to them and requested a credit for it. They put the account in penalty APR when the fraud happened and never should have happened.

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 12-08-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (TN).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: I discoverd on XXXX XXXX XXXX that my netspend card had been canceled, I tried to use it to make a purchase and the card did not workon XXXX XXXX I contacted NetSpend to find out why my card did not workthey informed me that it had been cancelled due to Tennessee banking XXXX that XXXX told me they would send me a check for $ XXXX I should receive it within 10 business daysafter 5 phone calls and being told several times that it would take 10 more days I still have not received my checkfinally on the 5th phone call they informed me I needed to send verification of my mailing addressI have sent them the required information and still have no reply

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2013 I suffered a XXXX from a XXXX injury I recieved while at work. For the first few months I was able to make my house payment until XXXX XXXX stop ( was at that time fighting them XXXX and waiting for Social Security XXXX to start and fell behind XXXX XXXX months. I was excepted to the XXXX Our Home XXXX Program through the State of XXXX Department XXXX XXXX and a deal was make with US Bank Mortgage. The deal was that during the program all payment would be made and the XXXX XXXX months due would be brought current at the end of the program. Long story short, I made all my payment on time as instructed through the program and graduated at which time everthing was brought current. Durring the time in the program, US Bank Mortgage reported all payments as late pays on all of my credit Bureaus.I have asked them to reverse this due to the fact that was in the program and made all my payments on time as agreed to with the deal that they have made with the XXXX XXXX XXXX XXXX XXXX and they refuse to do so. Please help me in this matter.

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 01-08-2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened my account In Person referred by my fiance. I was approved for the account, I asked to have my documents mailed to a second address ( mail at our apartment goes missing and fraudulently used all the time ), they told me it was no problem. A week later my account was frozen. They told me it was because they did n't have verification of the address on the account. Apparently when i asked the branch to send my things to a seperate mailing address, they instead changed the address thats connected to my account to the address I requested as my seperate mailing address. I was not advised they were doing this. So I sent them proof for the new address ( its a home we just purchased XXXX XXXX ) but i was told to wait another week for a response- I never authorized them to actually change the address and I would have given them proof of address in person if theyd asked. if they told me they were going to update my entire address I would have told them not to. As a result, I ca n't see my doctor for needed prescription refills, its been a week since I ran out. There is a chance that they may decide to send me a request for more information as apposed to reopening my account. I was advised to go to a branch but i cant get off work, and this address change was never authorized. Please help me. My only recourse at this point is to start banking with a XXXX  card. It 's been 2 weeks since I have had access to my account and I am not sure when i will be able to access it again, and they refuse to expedite it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: In 2012 I re-financed my mortgage FROM Chase to XXXX XXXX. That ENDED my relationship with Chase, which was bad for me them having used a sub-prime interest rate when rates were XXXX and I paid for eight years with exceptional credit. I used the streamline FHA re-fi program and had to go elsewhere because Chase kept trying to find ways to jack up fees that were not allowed, or were unethical, and in some cases outright misleading. 
So, I did re-fi and thus Chase had no reason to keep private information on me. 
A few months ago I applied for an Amazon credit card and did receive it. I did NOT know they used Chase but nevertheless, I decided to keep the card. 
NOW I am trying to set up an ONLINE set up so I can pay ONLINE and access my credit card account -- charges, credits past statements etc. But I CAN NOT SET THIS UP BECAUSE MUCH to my dismay, Chase has kept private information from my mortgage and 1 ) it has the wrong old not used phone number and 2 ) an ancient email. So Chase needs to send a " code '' to either a text, email or phone to confirm your account. Despite them having my account number, and all NEW UPDATED phone numbers and emails, THEY HAVE ONLY THE OLD phone number and email and there is no way to change or update it. 
I called twice, spoke to XXXX people, and NOBODY I talked to was able to CLEAR OUT the old information. I told them I was very displeased they would have the nerve to keep my private information. Then, they ca n't seem to get rid of it. 
Then the second man transferred me to someone in the department which is supposed to be able to do this and THAT man said there is a " tool '' he uses but that " tool '' is n't available to him now to be able to clear out or update information. 
OH PLEASE. 
Chase also uses stupid, ancient things like, what is your mother 's maiden name -- identifiers I have LONG AGO LONG AGO stopped using because these are so common and too many people know my mother 's maiden name. 
This is overall a problem with these banks who think they can just keep all sorts of information on people despite nobody doing business with them. Ever since I re-financed and have a much much better mortgage company, I have not contacted Chase for anything. No reason to keep my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (UT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Key Bank has recent late payments reporting on my credit report and I have never been late. I have attached enough information to prove they are in error. They have adjusted so many fees and " supposedly '' fixed my account so many times that I gave up using them. I paid my account off and took all my other money out and closed all my accounts with them. You can see how they kept adjusting fees but the account still continued to show past due amounts growing larger and larger which is crazy because I was never late! 
I have contacted my attorney and the next correspondence will be from him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I applied and received a loan from Check n Go. During my time with them I received XXXX late payments, which were wrongfully pointed to me. When I contact them about it they said that if I paid my account in full those late payments will drop. I pay around {$2700.00} to have those late payments removed and they have not. I contacted them and they are saying those late payments do belong to me, which even if they do, they said they would clear it if I was to pay the entire amount in full. I would please like these two late payments to be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Wakefield & Associates has been attempting to collect a medical debt I do not owe for years and nothing I have done or sent them has gotten this line off of my credit report. The original creditor ( XXXX XXXX ) has even emailed them but they refuse to remove the line. My son was covered by XXXX  at the time of service and my state has laws that protect XXXX recipients from this sort of thing happening to people when billing errors happen. I now have provided not only the Letter of Coverage to all parties involved and I have also provided a statement from the original creditor to the collection agency as well as XXXX  which states the account was paid by XXXX in 2013 ( 5 years ago!!! ) and neither the Wakefield & Associates nor XXXX has take any action to remove this incorrect data from my credit report. XXXX  has even claimed after each of my disputes to have validated this debt despite me having proof otherwise. Both the collection agency and XXXX have been negligent in the handling of my disputes and as a result, my credit scores have been held down. Please investigate this!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with M.A.R.S., Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Mars INC. Representiave contacted my Aunt XXXX XXXX on XXXX XXXX 2015 and by voice mail informed her that XXXX would be meeting me to discuss my debt with them. On XXXX XXXX 2015 My Aunt was contacted by the same person again, again another voice mail was left asking if she had gotten in contact with me and for her to call me to call her. I contacted MARS INC at my earliest convience which was three hours later due to the fact that i currently am an active duty soldier XXXX. When i Finally got through to the company i was verbally assualted and told i was breaking the law by not paying my bill. i told XXXX that i have done some research on the consumer protection act and it states that you XXXX can not call the same family members more than XXXX and XXXX you can not leave voicemails telling family members to get in touch with debt collectors and she had such broken XXXX rules. She told me this was not true and she could " call anyone she wanted '' to try and get a hold of me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My bank sent a payment to Navient for the amount of {$350.00} on XX/XX/XXXX The payment posted to my Navient account on XX/XX/XXXX The remainder of the amount due was paid on XX/XX/XXXX to the amount of {$490.00} $ XXXX+ $ XXXX= {$840.00} That number represents my total monthly payment. Navient has again failed to properly process my payments and is now threatening me with late fees, deliquency and default. They were paid in full. They are incompetent and incapable of properly handling payment and accurately recording payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a late pay on XXXX 2017 I have sent them a letter explaining why the bill was paid late Still waiting to here back from them

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