milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello -- I have a student loan that is being serviced by Navient. I have a subsidized loan and an unsubsidized loan. On Thursday, XX/XX/XXXX I called Navient to payoff my subsidized loan of {$3500.00}. The customer service rep told me that this was possible and proceeded with the payment of the subsidized loan and even congratulated me on paying this loan off. I went to check my account online on Saturday, XX/XX/XXXX and the payment was posted to both my loans versus just my subsidized loan. They paid {$540.00} to my subsidized loan and {$2700.00} to my unsubsidized loan. I called on Monday,XX/XX/XXXX to fix this and I was told that I was given wrong information on Thursday and they ca n't pay off the subsidized loan. They told me that Navient only views it as one lump sum and not two separate loans and federal law states that they ca n't pay off the one loan. The federal governement views it as two loans only. However online under my account details, on the Navient website it states : Ready to pay off this loan today? Here are the amounts : Online {$2900.00} By U.S. Mail {$2900.00} This is misleading the consumer. I was told by phone that I could pay off my account and it even states this on the Navient website. However when I made the payment, they then tell me that I ca n't. <P/>Please contact me with any further questions you have. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My ex husband was awarded the credit card debt in our divorce per the divorce decree MO case number XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the divorce, he has neglected to pay them, and it has dropped my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Hello this company called trans world system inc have been trying to collect a debt for a XXXX XXXX XXXX. They are saying I owe {$6000.00} dollars. When this debt highest limit was XXXX back in 2012. I have asked them to validate this date multiple times showing me my contract that shows my apr. they have not sent me nothing. Then on ore about XX/XX/XXXX I get a letter demanding a payment or they are going to garnish my wages. A debt from 5 years ago ca n't grow XXXX dollars. The intrest should stop. This collection agency is trying to collect from veteran illegal I feel.

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

Complaint: The XXXX XXXX - XXXX ...., Tradeline is Incomplete, and incorrect. 

XXXX XXXX - Account XXXX .... 
This account : 1. The Account was opened in 2007 2. Is missing its balance history for the duration of the time the account had been open 3. Is missing Payment Data for the duration of the time the account had been open 4. Has erroneous comments added - to this and almost all of my accounts. 
5. The terms - are monthly, and left at NA Please Verify this account, and its payment and balance history, or - delete the record because its incomplete and inaccurate.

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I moved several times and was not getting my statements. Each time I moved I updated my address, and still never received payments. I want to pay off the debt, and want the late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Problems caused by my funds being low

Complaint: I was assessed overdraft fees when items posted on a positive balance. I have escalated to PNC several times with no understanding of why the fees were assessed. Please refer to attachment detailing banking activity on XX/XX/XXXX and XX/XX/XXXX. Also, PNC 's mobile deposit service does not outline availability surrounding deposits made via the application on weekends. Lastly, the check that was deposited via the mobile application on XX/XX/XXXX cleared the issuing financial institution on XX/XX/XXXX ( uploaded evidence ). There was no overdraft here.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I have a problem with Chase charging overdraft fees. The bank has been charging for overdraft fees when deposits were made to cover the negative balance. The transfers were made via the surepay/quickpay. We have been using this method to transfer funds for weeks without a problem. A couple weeks ago chase stopped posting the transfers as same business day even if the transfers were performed before their XXXX deadline. That change cost me {$100.00} in overdraft fees. We contacted chase to resolve the issue and asked them to refund the fees ; they did not refund the fees. Chase customer service told me that the quickpay cut off was XXXX. I made transfer via surepay into my chase account last night to cover some transaction at XXXX. That transfer went into my chase account balance immediately yet chase did not post it and again today charged me another {$100.00} in fees. We contacted chase and they refunded one fee of {$34.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX sold my mortgage 's servicing rights ( MSRs ) to Specialized Loan Servicing ( SLS ) on XXXX/XXXX/2017. None of my insurance information transfered over and SLS sent a letter stating I did not have insurance and stated it was a condition of my loan to have insurance. I provided the Condo Master policy and my Condo unit policy. The Condo unit policy had just been renewed and the new policy information had been sent. On XXXX XXXX, 2017 SLS sent me a letter indicating they were charging me {$200.00} for the lapse of insurance from the date of their loan acquisition, XXXX/XXXX/17 to the beginning of my new policy XXXX/XXXX/2017. This administrative error as part of their MSRs purchase should have been handled in another manner and no mortgage customer should have been charged due to their inability to maintain the documentation from the previous servicer.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack from midXX/XX/XXXX2017 that may have affected about 143 million U.S. customers of the credit reporting agency. Information accessed includes names, Social Security numbers, birth dates, addresses, drivers license numbers, credit card numbers, and accessed dispute documents with personal identifying information. 

Equifax Inc. has just now announced this to the public. More than a month after potential unauthorized access to the information stolen. The company has done nothing to personally alert me about the incident and has not done anything to further protect my information or identity. 

I have issued a temporary alert on my credit report to deter any unauthorized access or use of my information, however this is not remotely a foolproof way of protection my identity or my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (SC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On X/XX/17, there was a check fraud deposit from XXXX XXXX XXXX XXXX against a joint account that my XXXX daughter uses in her name only of {$5900.00}. It took Suntrust bank 4 days to realize that was a stolen check. There were multiple withdraws the next day of {$1700.00}, {$2500.00}, {$500.00}, and {$450.00}. Instead of just closing my XXXX daughter account and trying to get money back from her, Suntrust took {$5400.00} out of my savings and came after my son 's account as well and closed all accounts and left multiple overdraft charges in two of the 4 accounts that my son and I had left. When trying to contact there fraud or claim department they were very unwilling trying not to provide any information on who, what, when, and where these transactions took place. Also I just received a letter on the XX/XX/XXXX that was dated on X/XX/17 stating that the accounts are closed. When talking to them this past Friday, I stated that I had a police report and I wanted to give them the number, fraud department stated that the case was closed and if I wanted to reopen the case that I had to send a letter stating just that with the police report number. Suntrust made me feel as if I was the criminal when trying to get down to the bottom of the issue. I was blown off on several ocassions by 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
Consumer complaint received 03/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I borrowed to fund my sons ' education. FedLoan Servicing processed my repayments. I refinanced the loans and they were paid in full ( XXXX XXXX on XXXX XXXX, 2015. Due to the processing of a direct debit while the payoff was in process, I overpaid FedLoan {$1000.00}. I have been unable to obtain a refund of the overpayment, despite multiple contacts with FedLoan. FedLoan has claimed on multiple occasions either : ( 1 ) that a check has been sent to me ; or ( 2 ) that FedLoan has arranged for someone else to send a check -- but I have never received anything. Please help me obtain a refund of my overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Illinois dept of family services ( child support ) are payroll deducting child support payments every pay period but are reporting my case as being negative ( i n default ) .in someway. I have acquired a payment ledger from child support as proof That payments are being made. My payments are payroll deducted so it 's never late.this has be ongoing for over 10 years. Whenever I manage to get my credit score up to a respectable number, the next following month my fico score drops about XXXX points even though payments are being made on time. It is a an unfair tactic to collect missed child support payments which occured over 10 years ago.at this rate I will never be a home owner and it 's hendering from getting employment.I am homeless due to this situation.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 are several items which are unknown and several which are past the statute of limitations. I have disputed these several times with no outcome. Please help XXXX XXXX XXXX XXXX Past the statute and unverifiable - Remove XXXX XXXX XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX XXXX - Past the statute - Remove XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX # XXXX - DUPLICATE AND INACCURATE REMOVE XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE

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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2014, I refinanced my mortgage on a rental property. Because of delays in the loan process by the lender, the close was delayed. This was at a time when my previous mortgage servicer was paying taxes. Taxes were escroed in the new mortgage to pay off taxes due in 2014. Taxes were paid by the old mortgage and the new mortgage company and were refunded to new mortgage. I raised the issue to the new mortgage company and they let the 3rd party closing attorneys know what was going on. I was refunded different amounts to reimburse for taxes that were described as " Double Paid ''. A {$290.00} tax payment was not paid on my behalf. I was not privy to this non-payment. Loan Depot was made aware and paid after penalties and fees were applied. I was not aware for more than a year later when I investigated why my payment changed so abruptly. I have asked Loan Depot to reimburse me for the amount paid in fees and penalties on my behalf without my knowledge ( {$220.00} ). Loan Depot has ignored my request and never responded to my inquiry.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Myself and one of my family remembers has received calls from DCI. I called in for a cease & desist, the representative I spoke to decided to threaten me and state the following " We will continue to look for her and find her. '' That was said to me even after I said to stop all calls from being made to that account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Approximately 60 days ago I sent several letters via the Unites States Postal Service to Experian requesting proof of authorization for several credit inquiries I do not recall giving permission for. I have not recieved final response, I have not been furnished with any proof of authorization and Experian has failed in their duty to delete entries they have not provided sufficient proof for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX, I received noticed that I was being sued by XXXX XXXX XXXX XXXX XXXX for a debt not paid from XXXX XXXX XXXX for about {$6000.00}. I went to court with my lawyer since the original loan document was not signed by me. The original loan document had my " signature '' but someone falsely signed my name. We went to court in XX/XX/XXXX and the judge deferred in my favor because the signature was not mine. 

XXXX XXXX XXXX XXXX XXXX was supposed to remove this negative information from my credit report. I assumed that they did. 

In XX/XX/XXXX, I contacted a mortgage company to get pre-approved for a home. I was told that there were accounts that were reporting delinquency on my credit report. The accounts were through a company called " Transworld Systems Inc. '' I had never received notification from Transworld that they were collecting a debt. I called Transworld and they explained that they received the account from XXXX XXXX XXXX XXXX XXXX and were attempting to collect a debt. I explained to Transworld that I have a judgment in my favor regarding the student loan and that they do not belong to me. It took multiple calls from me to Transworld to be able to speak to a live person. They called me back and indicated that all of the accounts would be wiped from my credit report. 

A few months later I noticed that they were still listed on my credit reports. I tried calling several times and never was able to speak to a live person OR get a phone call back. 

I submitted a complaint with XXXX ( since they were the originator of the loan ) and sent them my court documents and they replied asking for the court documents ( even though they were already sent ) and nothing was ever done. 

I believe Transworld Systems is a scam in that they were trying to collect a debt that I did not owe. They do not have a working telephone number on their website. They are almost impossible to get in contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I called Capital One credit card to change my billing date. This is not the first time, I have attempted to have my Capital One credit cards due on the same date. The last time I was informed because I just made a payment ; I had to wait till next billing cycle. Today I called again, and the young lady was a little witch on the phone, she was argumentative and obnoxious on the telephone. She kept placing me on hold and saying " thank you for your patience, please continue to hold ''. She informed me because I moved { in XX/XX/XXXX ( It 's XX/XX/XXXX ) } I can not change my billing date, REASON - because I changed my mailing address. She said because I changed my zip code my payments would show late and my late payments would be reported to the credit bureaus. I am not late, never have been late, and a payment is not due. She was threatening, my pristine credit is important - I have never been late on these cards, that is not professional - who am I doing business with? After 23 minutes on hold I hung up. I am paying these XXXX credit cards off and WILL MOST LIKELY END MY RELATIONSHIP WITH Capital ONE and never be a customer again. Very annoyed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I went onto   XXXX   XXXX   on  XXXX / XXXX /2017 and saw a debt for Medical Revenue Services. I got the phone number and called to figure out what the bills were. I wanted an itemized bill. I spoke with   XXXX    who is a representative of Medical Revenue Service. She was very rude. When I asked for an itemized bill she said that they had sent the itemized bill on 3 separate occasions and that she would not send anymore bills with out a payment arrangement. She also proceeded to tell me that I owed them more money than what they were reporting to the credit bureaus. I owed them a total of {$4800.00} she said the amount included the {$1400.00} and the {$2200.00} that are already on my credit report and the amounts of {$650.00} and {$520.00} that they are not report at the moment and I had no knowledge of nor will they give me proof of the debt. If I setup a payment arrangement today they wont report the other amounts. After some thinking and the fear of new stuff popping up on my credit report I setup a one time settlement. I still wanted a copy of my bills to prove that I owed the debt. She also told me that we would have to wait to get approval from the hospital for the settlement and that would give me a 25 % savings and the lady representing the hospital had gone on vacation and would be later that day or the next day.
After speaking to a friend and doing research the next day I called to speak with   XXXX   's supervisor. I was transferred to  XXXX  the supervisor. I told   XXXX   about my conversation with  XXXX  and how I was requesting an itemized copy of the bills and how she setup the payment arrangement with threats of placing the other items on my credit report. He got mad and told me he would terminate the payment arrangement. I told him I wanted to know what I was being charged for. I said I will pay my debt but I do n't even know what its for. He told me on 3 separate occasions they mailed out the bills I explained that I never received them.
Later that day I called to confirm the arrangement amount. I then called   XXXX    back and told him I am canceling the arrangement and would like the itemized bills sent to me. He got verbally abusive and told me I did n't want to pay my debt and that he will not send me any bills and be would send my debt to the State of South Carolina and they can send me the itemized bill and that he would start to report the other debts. Also he did want me to call back.
I just want a copy of the itemized bills to know what i am paying for. My request for it to be sent certified so we can both make sure I get it was denied because he said under the law they do not have to.

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