milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 've requested the the servicer of my student loan Navient remove negative information from my credit report that is over 7 years from date of 1st delinquency even though it 's accurate. I 've submitted to them my credit report that shows that I was 90 days late XX/XX/2009 which is would have made me 30 days late XX/XX/2009. XX/XX/2009 is over 7 years past the date of 1st delinquency so by law this information should be removed from my credit report. Navient refuses to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX    bank which was acquired by Huntington National Bank is showing I owe a balance of {$4100.00} on my credit card. They have not submitted updated information to reporting agencies since   XXXX  2017 . I transferred the balance of this   card to another financial institution on    XXXX  /17   . I want the balance of the   XXXX   XXXX   XXXX     XXXX   XXXX   on my credit reports as my reports inaccurately reflect that I have more revolving debt than what I actually do. I also want a letter confirming action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was divulged to an unauthorized third party by Equifax due to extremely inept cybersecurity practices in use at the firm. My data, including my SSN and other sensitive information, is now being held by an unknown entity without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with Transfinancial Companies, Inc (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon looking at my credit report ( XXXX ) i noticed that transfinancial co. added a debt to my report that was in fact already reporting. Therefore they duplicated the same debt. Causing my credit score to drop significantly. I have also sent them a certified letter stating that i would like debt validation from them not verification and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with American Mediation (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX / XXXX / XXXX  I get a call from family saying someone has been calling them threatening to bring a lawsuit against me and put liens on all my property but refused to give them anymore details but left a phone number. I get home today and call American mediation with this phone number (  XXXX  ) I received from my family.   I talked to someone there who said his name fast and did not want to repeat it. I asked what debt they were trying to sue me for and he claims its a   XXXX   XXXX   account. I told them I had not had an account with them in years and that must be statue of limitations. He lies and claims it was  XXXX . I asked him his name so my lawyer could be contacted he refused and said he would see me in court. I called   XXXX   XXXX   and they confirmed it was past statute of limitations. This company is obviously out to defraud seniors and anyone else they can.

Company response to consumer: Untimely response
Consumer complaint received 11/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This is regarding my previous case number : XXXX. 
Please refer to the attached letter from PNC I received yesterday. Honestly this harassment has to stop!!!!! PNC had agreed to closed the escrow account they forced on me the moment I applied for a loan modification. I rejected their dumbfound offer for a modification over the phone and in writing, during this time they told me the escrow would be removed once this escrow was up to date, which I paid XX/XX/XXXX. Aside from suing this company for harassment and discrimination can you please suggest any other step I should take?

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (CT).
Issue: Managing, opening, or closing account

Complaint: I have a Rushcard account, which I opened XX/XX/2015. I have been adding funds to the card without any issues, However, on XXXX XXXX, 2015, I added a total of {$1000.00} to the card XXXX XXXX separate transactions of {$500.00} each ). There is no record of the the reload that I made on XXXX XXXX. On XXXX XXXX, I added another {$500.00} to the card, which is also not being reflected when I call Rushcard 's card services automated line. I called the company on XXXX XXXX and was able to speak with a representative who told me that they were updating their systems and that the system would be working by XXXX XXXX on XXXX XXXX. I checked my balance again on XXXX XXXX, and my balance was still XXXX. I called Rushcard again and spoke with a representative who asked me for all of the numbers on the receipt, including a transaction number. Once I read every number on the receipt, I was informed that none of those numbers were recognized by their system. She then told me to go back to the retail outlet where I reloaded the card to ask them for the transaction number, I did and was told by the store manager that the numbers on the receipt should suffice for Rushcard to identify my reload. I called Rushcard again on XXXX XXXX and told the representative what the store manager said, and at that time the representative told me that she would escalate my complaint. Since XXXX, I have not received a response from Rushcard, and to make matters worse, I have called card services at Rushcard at least 30 times since then. When I press " XXXX '' for a representative, the phone rings once or twice and then I am disconnected. The automated system is still reflecting a XXXX balance on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of Identity theft and someone stole my personal information and identity to open a Capital One Bank credit card ending in: XXXX. I never applied for a Capital One Bank credit card. The account that was opened with my stolen identity is unauthorized, fraudulent and do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing to file a complaint against Nationstar because of their predatory lending practices reporting negative item for last 9 years Illegally appraisal of my house at $ XXXX in XXXX. All comparable were XXXX to XXXX. they illegally compared the house form outside the subdivision to get XXXX unlawfully Charged 7.87 % interest on my house Dishonestly started foreclosed process in XXXX and took my home from my family. ( See Court Process ) Unlawfully reporting negative and foreclosure in my credit file since last 9 years a. XXXX and Nationstar has changed the date for last delinquent payment date so they can report negative item until XXXX After 9 Years -I am still ca n't buy house because they have changed the date of my last delinquent payment with XXXX It should be only for 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I was incarcerated for 1.5 years. I just got XXXX and are currently living in a XXXX. During the time in XXXX I has limited availability to work on proceeding with the short sale. I have tried to work with citi to prevent the foreclosure of my property. I am currently working with a Realtor. We have a buyer and all of the short sale documents sent to the lender. We have a schedule sheriff sale date tomorrow Friday XXXX XXXX. I am requesting the sheriff sale be postponed to allow us time to proceed with the short sale. Please make Citi work with us to do the best thing for them and myself - allowing the sale as a short sale

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Money transfers (International money transfer) with TD BANK US HOLDING COMPANY ().
Issue: Wrong amount charged or received

Complaint: I transferred funds from my TD Bank in the U.S to my T.D XXXX Trust bank account on XXXX XXXX, 2016. I had done this type of transfers many times before with out an issue. The transfer on XXXX XXXX, 2016 did not show up in my account in XXXX and 10 days later I received funds back in my T.D Bank in US but I sent {$4000.00} USD and I received back {$3900.00} USD. Even though, I was explicitly told by the bank that there is no fee to transfer funds between TD USA and TD XXXX accounts. I called TD Bank and USA and they told me it is XXXX side that charged the fee and XXXX Side is not aware of the fee charged. They have charged me {$42.00} USD for some fee that is no where on any statements anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2016 about Consumer Loan (Installment loan) with Javitch, Block & Rathbone LLC (TN).
Issue: Managing the loan or lease

Complaint: Attorney Javitch Block, LLC, XXXX XXXX XXXX, XXXX XXXX., XXXX , XXXX, XXXX, XXXX, ext. XXXX, purchased my loan ( from the attorney who took the case to court ), the lender, XXXX XXXX got a verdict on it a few years back. Attorney Javitch Block got ownership of the loan when the Certification of Service was signed by a judge in the State of XXXX Circuit Court in XXXX 2015. I received a copy of that Certification from the court by mail. That is the only way that I knew of the transfer. I was making payments on the loan when ownership was transferred and I am still making payments. Atty. XXXX has not contacted me. I have contacted his office on numerous occasions to inquire of what my balance is so that I can determine if it is correct. They tell me that they do n't have my balance because they have not received it from the attorney whom they bought it from and can not tell me when they will have that information. What they have told me, to include managers XXXX XXXX and XXXX XXXX is that they received numerous cases from that attorney and do n't know when they will get the balance and payment information on my case from them. XXXX did divulge the fact to me that they are not allowed by law to contact me in writing until they have a balance to include in the contact letter. XXXX did assure me the last time that we spoke ( XXXX XXXX ) that he would send an XXXX XXXX XXXX to the attorney. He also told me that since they have had the case no interest or fees are accruing on my account. PLEASE CONTACT ATTORNEY XXXX XXXX AND ASK HIM TO SEND ME IMMEDIATELY THE BALANCE AND PAYMENT HISTORY ON MY CASE/ACCOUNT. Surely, there is a time span in which they must provide that information to the debtor once they have acquired the case according to a court preceding. Please inform me of what that time span is. Thank you, XXXX 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 04-06-2017 about Mortgage (Other mortgage) with Fidelity National Financial, Inc (NY).
Issue: Application, originator, mortgage broker

Complaint: Title company Fidelity National Title Insurance/XXXX appointed by XXXX failed to provide clear title or inform me of title issues by the time I purchased my property XXXX NY XXXX. XXXX failed in it 's fuduciary responsibility to be a neutral party ( Trustee or Benficiary ) to inform me of changes made to legal title and what appears to be a ficticious forclosure or property abandonment whereby XXXX self assigned themselves to create a new mortgage lien. My property has a clouded title whereby it appears that XXXX entities XXXX has a lien and XXXX also had or has a lien. I have had no dealings with eithor of them, so it appears that these were somehow attached to my property in the XXXX County land and Court records.. This complaint is in relation to previous complaints I have made with CFPB on XXXX and XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Private student loan debt) with F.H. Cann & Associates, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX.  XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Trinity Financial Services, LLC (UT).
Issue: Struggling to pay mortgage

Complaint: I sent Trinity Financial Services an offer letter datedXX/XX/XXXX to try to settle and resolve an amount that has n't had payment since XX/XX/XXXX. Since then, I have had zero response on acceptance to the offer or counter offer. I have called in almost every other day with no response, been told management will contact me and still to this day have had no resolution or response. I am given the run around and told I will be given a call over and over and they still have not communicated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX ( PRA XXXX ) contacted me after I asked this company to cease and desist and was unable to accept my request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Please do not contact me via phone or via mail with validation. Further contacts without proper validation will be considered harassment and I will begin litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1. Obtained a loan for a new car in XX/XX/XXXX with Chase Auto Loan. 2. In XX/XX/XXXX, the dealership was interested in buying the car, since I did n't use very much, I decided to sell it to them. 3. In the three years i had the car, i paid my loan via bank draft and was never late. 4. In XX/XX/XXXX, i called and got a payoff for the loan. 5. XX/XX/XXXX I went to XXXX XXXX and they made an offer to purchase my car. They requested a payoff from Chase as well for the car ( document attached ) 6. A check was sent to Chase Auto in the amount of {$21000.00} from XXXX XXXX on XX/XX/XXXX 7. On XX/XX/XXXX the Chase auto deposited the check and it cleared the bank ( dealer check attached ) 8. I received a notice from Chase thanking me form business and telling me account was no closed. ( document attached ) 9. On XX/XX/XXXX, XXXX XXXX received clear title to my car from chase and I received a check for my equity in the car. 10. On XX/XX/XXXX, I received a phone from Chase, telling me that I owed some {$1800.00} dollars on this account. There were no specifics, just that I owed money and that the account was going be opened back up. 11. I placed over 15 phone calls to chase between XX/XX/XXXX and XX/XX/XXXX asking for a written statement of how I owed this money when Chase had clearly given a payoff and lien release on my car. 12. Over the course of three months ( XX/XX/XXXX to XX/XX/XXXX ) i was told numerous reasons " Why '' i owed this money but was urged not to question and pay OR I my credit would be " ruined '' On rep even told me that the dealers check bounced. I knew there were serious issues at this point, when clearly this had not been the case. 13. Chase began to mark my credit report falsely and incorrectly with the Credit Bureau XXXX  between XX/XX/XXXX and XX/XX/XXXX ( reports attached ) It went from owing a past due amount of {$1600.00} to a 30 day past due of {$640.00}, this was well over 60 days after they recieved full payment for the car. 14. i worked with chases corp office, filing a complaint and ask that they rectify this matter, providing all documentation and they refused. 15. In XX/XX/XXXX they marked reported " ChargeOff '' on my account to the credit bureau. This account is still being reported as PAID, last reported deliquencies XX/XX/XXXX XXXX This sent my credit score down almost 100 points, I am having to pay really high interest on a car loan as a result of this error. I feel that i have exhausted all avenues trying to remedy this matter. You are my last resort. This is clearly an error that Chase is not willing to remedy. It is my hope that you will be able to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I paid XXXX financial to take care of this. The company never did send me a bill and the company that put it on my report was not the original company..

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Ever since NationStar Mortgage acquired my loan amongst a bundle of mortgages that XXXX XXXX XXXX divested themselves of, they have done everything they could to cheat me by trying to wrestle my loan terms from me. They 've alleged that I did n't have home insurance when they knew I had. They have had a company they do business with break into my home ( XXXX XXXX XXXX ) under the excuse they did n't realize I was living there. What business does this when all along I 've been paying my mortgage by the allowed grace period each month since I bought the home in 2002! I 've had to send my payments by certified mail because along time as tried to change my terms they no longer allowed me to pay my mortgage through their pay by phone system. They 've never to this day replaced my door or restored the glass that they broke by breaking in when I was n't home. I came home one day last year to discover my front door 's lock was changed. Items were missing from my home. They 've accepted payment of taxes by the town without crediting me as they 've always been paid by me! NationStar Mortgage has been doing a disservice to me and been unjust as they attempt to discredit me by trying to elicit all kinds of fees from me through their corrupt operation!! Please help me by restoring my loan to its original terms & cleaning up whatever damage they 've done to discredit my good credit. Much appreciation for your help, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ma XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest Credit Systems is falsely reporting a debt with the credit bureaus. I have no knowledge of this account accept for the reporting on my credit report.When I dispute the accuracy of this information with one bureau it gets deleted and added to another bureau. I did not have a financial contract with this company. Also it looks like this debt falls outside of Statue of limitations for a collection agency to be attempting to collect in the state of CA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 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 status incorrect

Complaint: It 's a XXXX XXXX charge off from XXXX, two accounts deragortory status They where charged off by XXXX XXXX and today on equifax they show as a current charge off XXXX. This was changed when I asked to be r moved XXXX continues to report as the last and this monthXX/XX/XXXXas a charge off date. Every one at equifax is XXXX or XXXX call centers. 
When they see that XXXX was the charge off date and do n't know what to do, I have disputed this and XXXX comes right back with fraudulent statements Please remove I agree it 's a charge off from XXXX soon to drop on credit reportXX/XX/XXXX. I need this correcte d no one will

Company response to consumer: Closed with explanation