milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently have a private student loan cosigned by my sister. I called navient to find out the process for removing my sister from the loan as her finances were making it difficult for me to get a lower payment plan. They advised me that I would have to make ontime payments for two years to remove her name from the loans. I did so, after two years I called navient to have my sister removed they advised me that due to my credit score I was denied. I was not advised that my credit score impacted the removal of my cosigner. So her name remains on the loan making my payment rates to navient higher and impacting my sister 's ability to refinance her home at a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX,2016 I received correspondence from this company stating a debt was owed. The letter is dated XXXX/XXXX/2016. The letter states it is attempting to collect a debt on behalf of XXXX XXXX but does n't list the reason. Ex : unpaid rent, cleaning fees..etc there is no reason of debt listed. My rights have been violated in more ways than XXXX and I will be escalating to the XXXX and XXXX! For XXXX, FDCPA states you have 30 days from RECEIPT of the letter of such debt to dispute! The attached notice will show they sent the letter to an old address meaning it was forwarded. The letter itself is dated/mailed XXXX/XXXX/16 I was given less than 30 days to dispute or validate said debt. I was never given a final bill or breakdown as to the cause of this debt. On XXXX/XXXX/16 I sent an email stating I had no knowledge of this debt but if it could be verified I would be willing to set up a payment plan on reference to not having it placed on my report per the letter they sent me stating this as an option. However today I woke up and found that instead of a response to my email or allowing the allotted 30 days from contact to dispute they went ahead and placed this on my report anyways. I will be contacting an attorney if this is n't settled correctly. This is clear violation of rights! I have attached their letter, my email and my credit report reflecting the negative acct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: Our loan with  XXXX  was transferred to NationStar in  XXXX  of  XXXX .     My husband and I filed Chapter  XXXX  in  XXXX  of  XXXX  and from that point forward we were no longer able to make online payments and no longer received any communication or monthly statements even though the mortgage is not included in the  XXXX   XXXX .     My husband and I are in the final steps of a REFI and were contacted by the Credit Bureau for a conference call with NationStar on Wednesday  XXXX   XXXX ,  XXXX . The call took place on Thursday,  XXXX   XXXX   XXXX , where we were informed that we were a payment late for the last 3 years starting in  XXXX  of  XXXX .     I called NationStar the next day, Friday,  XXXX   XXXX ,  XXXX , and spoke to customer service regarding my Payment History and they told me that I didnt show any late payments, but there was a payment in suspense and I just needed to pay {$890.00} to get it out of suspense and my account would be up to date. My daughter was sick at school and I needed to get off the line so I just paid it so I could get my daughter, but I really didnt understand why there was a partial payment in suspense and why I had to pay almost {$900.00}.     The next day, I pulled up my Payment History and I saw that the  XXXX   XXXX  payment was not applied as a payment. This payment was put in suspense causing any payment thereafter to b e 1 p ayment behind to date. I called on Saturday,  XXXX   XXXX ,  XXXX , and customer service said I had to call back on Monday when the bankruptcy department was open. I called first thing Monday morning,  XXXX   XXXX ,  XXXX  and spoke to  XXXX   XXXX  and repeated what I had found. The  XXXX   XXXX  payment was not applied as a payment and showed next payment due  XX/XX/XXXX  instead of  XX/XX/XXXX . Once this is corrected, I will not only be current as I have always been, but a payment ahead because of the money that was held in suspense and the additional {$890.00} I paid to make up a full monthly mortgage payment. The customer service rep,  XXXX , put in a request to the research department and I told her that this needs to be dealt with today. I am at the end of a REFI and this is the only thing holding it up. She said she can only place a request and state it as a priority.     I have called every day since and my request has not been touched and I have even spoke with a supervisor named,  XXXX  and he said that they can not contact the Research Department via phone or any other way. I find this extremely odd for a huge company. NationStar is the one at fault for this error and needs to fix it in an expedited manner! I have been patient long enough and do not want to lose this REFI!!! This error should have been caught and fixed when the conference call took place with the Credit Bureau on  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am with a loan servicer for over 4 years, and I trust and like them. They are now switching me over to XXXX which is a subpar loan servicing company. I belong to many credit forums where we share credit tip and discuss products and anything credit related. This company is known for mishandling student loans, and has a XXXX star rating with the XXXX and my current loan servicer VSAC has almost a XXXX star rating. I find this to be terrible for myself and my future. I am told I have no recourse in which student loan servicer I have which makes no sense to me. I do not want my loans to be serviced by XXXX. Is there anything I can do to prevent my loans from being transferred?

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I asked numerous times to have this removed. It should have been removed last year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting that my current account status on ( XXXX ) old accounts is 120+ days past due. This is incorrect. This account was closed and tranferred in XXXX XXXX. I have disputed this info several times to ( both the XXXX and XXXX XXXX ) failed to fix this. This is severely impacting my credit.On my Experian report, they are stating that I am 120 days past due in XXXX XXXX. Again, incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I recently visited XXXX shopping to buy a new home and was told that I had to get a loan through their " preferred lender '', Wells Fargo, to receive the builder incentive of 1 % of the purchase price. I later found out that the builder supposedly has a " marketing arrangement '' with Wells Fargo, which sounds like a form of " kick back ''. I have friends that work for Wells Fargo who explained to me that loan officers on the XXXX XXXX accounts have special treatment not only by the builder but within Wells Fargo and makes much more in commission than other loan officers. They supposed get favorable treatment starting from pricing, to processing, underwriting, appraisal, etc. It does n't seem like an ethical arrangement to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Payday loan debt) with D2 Management LLC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Today, XX/XX/XXXX I received a phone call from XXXX D2 Management A. they called before XXXX XXXX.
B. when i returned the phone call, they said they were looking for XXXX, but never verified my identity. C.  When I asked for prove of the debt, they declined to send it, saying they have sent it to the old address on file, being XXXX XXXX XXXX XXXX XXXX Illinois XXXX D. When I pushed to get a copy of the debt in writing, they pushed to saying that I was refusing to take pay my debt.
E. I then asked to speak to a supervisor, XXXX XXXX, and asked her the same, she refused to send proof of the debt in though the mail, and pushed to send it via email, which I continued to push for sail mail, saying it would cost them postage. Saying they have sent it to my old address on file, someplace I have not lived at since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I tried to ava il Chase Sapphire 's trip  delay benefits last year in  XXXX ,  XXXX  when my flight was delayed by more th an 24 hours. However, I have been working with them until now. Chase has outsourced this part to  XXXX  ( benefits admin company ) and the y do not let me talk to anyone in management. I have left multiple voicemails such as on  XXXX   XXXX ,  XXXX   XXXX , etc to their supervisors to inquire but no response on my case.     To explain the process in detail, I submitted the supporting claim docs in  XXXX ,  XXXX  by regular mail which was probably lost in mail. I called again in  XXXX ,  XXXX  to see the status as I never heard back. I submitted my documents again ( this time electronica lly ).    After a lot of one-way communication in  XXXX  and  XXXX  with Chase/ XXXX  my claim was denied on  XXXX   XXXX ,  XXXX  on the grounds that I submitted documents later th an 184days. I fil ed an appeal on the same date but till today there has been no resolution. When I call  Chase, who  sold me this credit card (  XXXX  $ annual fee ) they say they are not responsible for these benefits which are handled by  XXXX , and transfer my call to them. And  XXXX  does  not give me an update, they say they will contact me within 24-48hrs, if I dont get an update I should call again. This cycle has been going on for sometime, and has led me to believe that they are not intend ing to serve customers like me. I request you to look into this malpractice and get answers from them why and how they treat customer requests in such a way. Any specific timeline they should answer my request.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I purchased a speaker from Best Buy. I opened a Best Buy credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my Best Buy credit card. On XX/XX/XXXX a check was sent to Best Buy CitiBank and was cleared the following day, XX/XX/XXXX, for the amount of {$490.00} to pay off the credit card. Best Buy claimed that to never receive the check, so I made a conference call to the department during the week of XX/XX/XXXX - XX/XX/XXXX. On the call a representative from CitiBank and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to Best Buy originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XX/XX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to CitiBank to get it all sorted out again and nothing was done again. To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.

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 08-02-2017 about Debt collection (I do not know) with J&L Collection Services (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have sent J & S collections 3 certified letters in regards to the fraudulent account they have placed on my credit and i have not got a response but they have responded to the credit bureaus alleging the account belong to me. I was not notified by them about the debt so i was never afforded the opportunity to dispute it. I DO N'T KNOW WHO THE ORIGINAL CREDITOR IS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Payday loan, title loan, or personal loan (Title loan) with CHECK INTO CASH INC. (WI).
Issue: Charged fees or interest you didn't expect

Complaint: I had a title loan with : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. In a period of 10 months ( beginning XX/XX/2017 ) I paid {$270.00} per month and today I paid off the balance of {$1900.00}. The principal of my loan was only reduced {$86.00} in 10 months. In 10 months I gave them a total of {$4600.00}. This doesn't seem right and I did not understand the implications of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Do to a financial hardship I was no longer able to pay my mortgage. I contacted the bank before stopping payments, told them my situation and submitted all documentation that was requested. I then decided that staying in my home was not an option and started discussing a short sale with the bank. the whole process started in XXXX of 2015 ( over a year ago ) and has still not been resolved. I obtained a realtor and attorney to help with the process of working with the bank on the short sale. The bank has been very uncooperative. They refuse to give any information to my attorney or me, keep refusing a short sale for various reasons, and most recently certified my home as vacant even though I am still living here ( I was handed the vacant cert on my front step ). Most recently the bank informed my attorney that the offer on my home was too low and they would not accept the short sale. they refused to provide a counter offer or let us know what the value of the house was ( appraisal had been done in XXXX 2015 by the bank. The foreclosure process was started in XXXX 2015, while we were waiting for the bank to review the first offer I had on my home.

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 08/24/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XXXX afternoon. I need your help. I am having issues with Toyota Financial Services. I 've leasing vehicles since XX/XX/XXXX, with no any problems, sin I authorized the Bank to take recurrence payments, this way never I was going to be behind. The situation started sinceXX/XX/XXXX, when I went to the dealer to returned my old Rav 4, XX/XX/XXXX, with only 10,000 miles. The last monthly payment for this old account was withdrawal by Toyota Financial on XX/XX/XXXX, {$350.00}. At the end of XX/XX/XXXX I brought to the dealer my Toyota Rav 4,XX/XX/XXXX, Acct. # XXXX XXXX XXXX. I got my new vehicle Toyota Camry XX/XX/XXXX, same payments, same due date. The problem started here. Toyota Financial withdrawal onXX/XX/XXXX, {$350.00}, and instead to apply this payment to my new vehicle, Acct. # XXXX XXXX, the bank applied this payment once again to the old account for the vehicle that I returned at the end of XX/XX/XXXX. The dealer took care of the paid off, having XXXX balance. I sent via Certified Exhibits to the 3 Major Credit Agencies, since Toyota Financial sent a bad report against me, stating I was behind sinceXX/XX/XXXXup to XX/XX/XXXX. I submitted Exhibits showing receipts from Toyota Financial, statement from the bank and also Ref. # to prove that the bank is incorrect and I am correct. The 3 Major Credit Agencies contacted Toyota Financial Services, after the confirmed that I am correct and not behind, also asking the bank to apply theXX/XX/XXXX to my right account, since the bank applied that payment to my old NON existent account. This bad record was removed on my behalf. However Toyota Financial, just sent me a new bill for {$730.00}. I called 4 times, discussed this matter with 4 customer services, the names, XXXX XXXX other with ID XXXX they put me on hold never came back, every one have different statements, that I did not pay XX/XX/XXXX, I advised I 've the letter from Toyota Financial as receipt of my payment, the last one says I did not pay XX/XX/XXXX, I advised her I submitted to you guys Exhibits of each payments to my new Acct. she said we do not have nothing. Toyota Financial promised to the 3 Major Credit Agencies to update correctly the mistake, did not, because sent me a huge bill asking me to pay XX/XX/XXXX andXX/XX/XXXX $ XXXX, I paid XX/XX/XXXX already, the payment electronically has been submitted by XXXX XXXX, Toyota Financial received the payment onXX/XX/XXXX {$350.00}, XX/XX/XXXXpayment has been paid, and Toyota Financial still having it, refusing to move that payment to the right new account. I 've Exhibits, from XX/XX/XXXXup toXX/XX/XXXX, payments that Toyota Financial has taken and refused to upgrade my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I have made   XXXX   XXXX   withdrawal, amount :   XXXX   XXXX   on coinbase.com on   XXXX   XXXX   2017.
Coinbase website says : " Your  XXXX  will arrive by the end of day on Saturday   XXXX   XXXX  , 2017. ". It did n't. Transaction is still in 'pending ' state.
I have contacted coinbase support on   XXXX   XXXX   but did n't get any help. Money is still not transferred to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Due to a change in employment and a move, I had to short sell my house. XXXX XXXX XXXX was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high 850s. 

I contacted XXXX XXXX XXXX and was told that because my account was closed, they couldn't fix any errors 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 02-12-2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX, a thief opened a fraudulent MACYS/DSNB account ( XXXX ) in my name. I identified the issue on XX/XX/XXXX, by running a credit check on myself and noticing a credit inquiry from MACYS/XXXX, and then calling Macy 's directly to confirm an account was opened. Upon speaking to a representative in Macy 's fraud department, I notified them the account was opened fraudulently. The representative indicated that the account would be marked as fraud. A Police Report with the XXXX Police ( XXXX ) was filed, in addition to an FTC Identify Theft Report ( XXXX ). 

On XX/XX/XXXX, Macys sent me a letter thanking me for my inquiry, and asked to complete an identity theft form, in addition to providing one form of identification. The form was completed and supporting information provided immediately. 

On XX/XX/XXXX, MACYS/DSNB notified Credit Reporting Agencies that I was delinquent on payments associated to my account. These delinquent payment statements are now showing up on at least XXXX ( XXXX ) of the XXXX CRA reports. In accordance to the Federal Trade Commission 's " Notice to Furnisher of Information : Obligations of Furnishers under the FCRA '', when MACYS/DSBN receives information like this with an Identify Theft Report, it must stop reporting inaccurate and/or fraudulent debts to CRAs. It is also the duty of the furnisher of information to correct and update information. 

Upon speaking to a supervisor ( XXXX, Employee ID XXXX ) within Macy 's Fraud Department on XX/XX/XXXX, Macy 's has internally marked the account as fraudulent, but not formally closed the investigation. The employee indicated it will take up to 90 days for Macys to close the investigation. This employee also told me that reporting information to the CRAs was following their standard procedures and was unable to help me at this time. 
In summary, MACYS/DSNB is negatively impacting my standing with CRAs. They are also out of compliance with the responsibilities defined in the FTC 's Notice to Furnishers of Information in the following ways : - Providing CRAs inaccurate information after consumer notified them of identity theft - Not completing an investigation within 30 days

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 12/14/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Wells Fargo Dealer Services amount is {$2500.00}. This account is being reported to all 3 credit reporting agency and this account does not belong 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