milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had an agreement with Navient in XX/XX/XXXX that I was on income-driven repayment with an automatic monthly payment of {$30.00} a month. This {$30.00} was withdrawn from my account once, and I was under the impression that it was regularly happening every month. In XX/XX/XXXX, {$260.00} was withdrawn from my account from Navient. I called them to inquire, and they explained to me that {$30.00} was only withdrawn once from my account in XX/XX/XXXX, and that my autopay and income driven repayment was put on a HOLD for a reason they COULD NOT DISCLOSE. As a result, a lapse occurred, and the regular monthly charge was withdrawn from the card that I had linked to the Navient account without my knowledge. I was in dire straights financially for two months to follow. I had to spend time on the phone with my bank getting an overdraft fee refunded, and I had to borrow money to pay rent. I always want to remain current on my loans as best as possible, so I tried again to set up income-driven repayment. After submitting current paystubs to Navient, they did not send a response in any medium and I just assumed all was good. An email popped up XX/XX/XXXX that my new payment was due and is {$270.00}, clearly not honoring any sort of low-income status. I called them and they said my paystub documents were illegible. How was I supposed to know this? So here I am, several forbearances later, continually accruing interest and desperately trying to just throw a bone of $ XXXX a month on my student loans. It never works! Navient is playing a game.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: Undoubtedly mortgage refinancing solely to take advantage of lower interest rates is of unquestionable benefit to consumers who are currently paying high interests rates on their mortgages. However, this probable benefit is greatly diminished, and in some cases practically eliminated, by the puzzling practice of banks to consider this type of refinancing as brand new loans with all its inherent high costs. 

Other than the change in the rate of the promissory note and its corresponding recording, on an existing mortgage there is n't absolutely any consequence to the collateral held by the bank, favorable or unfavorable. The BCFP should ask ; why all the charges associated with a brand new loan? 

It is not surprising that banks actively promote the refinancing of mortgage loans..

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

I sent information to you showing the loan was transferred to you from XXXX XXXX XXXX. My loan was with XXXX XX/XX/XXXX until XX/XX/XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX. 
The loan wasn't transferred from XXXX XXXX XXXX  as you've stated. 

I will send this information to you once again, payments made also. 

You can pull my wage earner records from the courts because they are public records. XXXX XXXX XXXX did not notify the courts either. I pulled all of my court records from the courts in XX/XX/XXXX. 

I've been told that case have to be reopened. I'm in the process of doing just that, since you can't seem to get information from XXXX XXXX XXXX. I will send this information to XXXX XXXX XXXX XXXX XXXX   and the attorney I get to reopen the case. 

Someone created a EIN number using my personal information without my knowledge. XXXX XXXX XXXX XXXX XXXX also used TN XXXX XXXX XXXX Federal Identification number to report a XXXX to IRS in XX/XX/XXXX. I'm in the process of notifying IRS of this fraud. 

I pulled my credit report to learn that someone added an address for Michigan to my credit report. I have never lived there, nor have I visited there. I've lived in XXXX Tennessee all my life. I was my home XXXX years, until you -XXXX XXXX XXXX  XXXX XXXX XXXX it from me. 

May XXXX have mercy on your souls.Because of you I'm homeless. All of my former employers have been deleted from my credit report. And I've worked since the age of XXXX. I notified the Attorney General Office also. You should be ashamed of yourselves.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 
1 XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXXXXXX ( XX/XX/XXXX) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX (XX/XX/XXXX ) 7 )  XXXX XXXX. (XX/XX/XXXX ) 8 ) XXXX XXXX XXXXs (  XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX 10 ) XXXX XXXX (XX/XX/XXXX) 11 ) XXXX XXXX (XX/XX/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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion along with XXXX and XXXX  are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.

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 07/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I attended XXXX University in Fall XX/XX/XXXX-Spring XX/XX/XXXX. To pay tuition and help with expenses, I took out a XXXX XXXX Signature Loan from XXXX XXXX. I ended up getting a job offer from XXXX in XX/XX/XXXX and never attended classes at XXXX University in the Spring semester. XXXX XXXX paid the school and XXXX accepted the money against my wishes. I went into repayment and paid my loans until I was laid off in XX/XX/XXXX. At that point I began to use economic forbearances until I was no longer allowed to do so, at which point I was unable to pay. I received harassing calls from Cell Phone numbers requesting payment which I was unwilling to give to a cell phone and unable to give due to economic circumstances. In XX/XX/XXXX my situation improved and I received a good paying job. I tried to get in touch with XXXX XXXX but was completely unable to do so. In Fall of XX/XX/XXXX I returned to school on a part time basis. I remembered that this should qualify me for an in-school forbearance, and so I signed into my XXXX XXXX account. Fortunately my loans were not defaulted! I could not request forbearance through their system any longer, but I could contact them. I sent them a message through their system informing them that I had returned to school and was seeking in-school forbearance. I also contacted their provided phone number and was sent to an answering machine. I left a message. I never heard back through either e-mail or phone. In XX/XX/XXXX, I was informed that my student loan debt was now Navient Solutions. I assumed that Navient Solutions knew that I was back in school and had automatically deferred my payments because I never heard anything else from them. In Spring XX/XX/XXXX I was informed that my loans had defaulted. I was offered a very nice settlement offer, but unfortunately I was unable to take it at the time. In XX/XX/XXXX, I was sent another message letting me know that my debt belonged to a company called " XXXX '' and they expect full repayment. They gave me the options to dispute the debt in writing, which I did. This debt should not be defaulted as I am and have been in school on a part time basis for the past 4 years. On XX/XX/XXXX I received a response of a single promissory note from XX/XX/XXXX with a note that " We are confident that all your questions should be answered by the enclosed documentation ''. I also received letters letting me know that these loans would be sent to law firm. The letter says that if I have until XX/XX/XXXX to respond, but when I tried to call the number provided I was once again sent to an answering machine. I left a message but have not heard back. I filed a complaint with the CFPB against XXXX, but they replied that they are not to blame and that Navient and XXXX XXXX are to blame. Now I 'm writing to you again, this time with Navient as the recipient of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I believe the ticket was paid back when it was due. Now 20 years later I get a notice that I must pay this ticket. When I call the collection agency, they tell me to send it to them in writing. Then they send me a letter telling me to prove it. When I call back to explain that I have denied owing this bill ( ticket ) they will not let me talk becuase Their script is important, I again state that I do not owe this bill

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX, I spoke with the fraud department at Chase Bank. XXXX checks had been written and cashed on my account. Chase told me it would take 30 business days for me to be made whole, but that I would be compensated for XXXX of the checks in the next 3-5 business days, which I was. Chase requested that I place my account in a restricted status and I did so. However, my account was never restricted and XXXX more checks were drawn on my account. Chase made me whole on these XXXX checks. I was called by a Chase banker to come to the bank to open a new account, which I did. Prior to this meeting, I discovered another fraud check dated XXXX XXXX, XXXX. 
At my meeting with Chase on XXXX XXXX, XXXX, the banker called the fraud department and informed me that I would be made whole on all XXXX outstanding fraud checks totaling {$4400.00}. Chase has not held to their word on this and they have not followed up with me. I wrote a letter to the office of CEO XXXX XXXX on XXXX XXXX, XXXX complaining about their processes and I have still not hear from his office. 
I have documentation for everything I have stated here and more. I find it borderline criminal that Chase paid checks from my account that had a different check maker than that of my company. From my side, they are obligated to make me whole, then collect the money for their corporate account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My FICO score changed drastically when I viewd the score after making a payment. It stated I had a collection, etc. I printed a Experian free report the number is listed as my dispute case number. Well this report showed no late payments no collections no public records but my FICO went from XXXX to XXXX and I need help in correcting this because all XXXX agencies are doing this and I can not put a stop to 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 07/28/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This debt comes from XXXX Bank and list for {$1000.00}. Someone used my social security number with XXXX and set up an account and never paid for it. I need XXXX XXXX to clear and update this debt as positive and remove it from my Experian report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.

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 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I was interested in getting a cashRewards credit card from Navy Federal Credit Union ( of which I am a member ). Periodically Navy Federal will offer a sign-up bonus for this card and I was waiting for an offer to come up, checking their website every day since the end of XX/XX/XXXX. When I checked the cashRewards web page on XX/XX/XXXX, a new message was displayed that read : Spend {$500.00}. Get {$100.00}. This was written in large print at the top of the cashRewards web page and was not an ad for something else. I decided that this was what I had been waiting for and applied for the card. I was approved, got the card a week later, and spent {$500.00}. Then I sent a message to Navy Federal through my account on their website asking if I had qualified for the bonus. They responded a few days later : We did not have a promotion that provided {$100.00} when {$500.00} is spent. This is not true. The website displayed exactly what I said it displayed : Spend {$500.00}. Get {$100.00}. It was for the cashRewards card. It was printed in large print below the main picture at the top of the page. The page displayed the offer for that weekend ( XX/XX/XXXX-XX/XX/XXXX ), then it no longer showed the offer anymore. But it was there for those days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Debt collection (Credit card) with Hayt Hayt & Landau, P.L. (FL) (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This collection agency was able to receive a judgment against me without giving me the opportunity to respond or dispute my case, they also denied my request after several attempts requesting to see a signed agreement or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I was approved on XXXX/XXXX/15 for a permanent modification home loan, when calling Bank of America talking to service manager XXXX on XXXX/XXXX/15 I was told it would take about 30 days to be approved. I went online a couple of days later to check my status and I seen my approval papers that posted on XXXX/XXXX/15 giving me until XXXX/XXXX/15 to sign and return. On XXXX/XXXX/15 I spoke with my service manager XXXX and I told about permanent modification papers she said the papers were sent out to me, I ask for the tracking number because I never received them XXXX she said she could n't see XXXX. I told her I made a copy of the papers I need to have them back by XXXX/XXXX/15 plus a permanent payment is due XXXX/XXXX/15, she said maybe I should wait to make that payment until I actually get my permanent papers. I told her no I was told not to miss a payment then XXXX ( my service manager ) said make the payment I was making doing the trial XXXX, and she will refer my papers to the help desk to see why they did n't mail them and to mail me out a new permanent modification paper with a new return date. I ask how long will that take she could n't tell me and she will do a follow call back on XXXX/XXXX/15. I did receive that call from service manager XXXX still no info on my permanent papers she place me on hold for 5 minutes and came back saying she will refer it to her supervisor. When I went to check my status on XXXX/XXXX/15 I notice they had given me a different service manager XXXX. I called XXXX/XXXX/15 and spoke XXXX to set up a payment for XXXX/XXXX/15 he could n't for that date because it was XXXX and made it for XXXX/XXXX/15. As he was taking information for payment he ask for a check # I told him I will get him one he said oh just give me a random #, I said know the my bank wo n't process any check #. XXXX gave me a confirmation # XXXX, I told him this confirmation number did n't have a day just the year and month which is not like previous confirmation I have he said they are all different. I told him I know but they all have the complete you 're paying your bill, he said it will be alright. About a hour later I tried to check my status and was blocked from that site, I called and spoke to XXXX different service telling them I blocked and the last XXXX transfer me to the support group that only handles home equity system only to transfer me back to the home modification department because they handle their on system. I got representative who place me on hold and cleared the trouble. I did tell them I feel as though something is n't right, the representative everything going fine but I feel as though I getting the run around

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am trying to get a mortgage for a new home, I sent a letter to Experian over 45 days ago and I still have n't heard anything back from them!! I am really XXXX by this, I need to move as soon as possible. And I do n't have time to sit and wait for them. My main concerns have been addressed in the letter I have attached!

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX County also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely 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 12/22/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage was refinanced with new loan provider and old lender sent a debt collection letter after the account was closed. They required verification of personal information and then claimed it was required by federal law to say that it was debt collection letter when no debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to resolve this matter with Santander since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.

Company response to consumer: Closed with explanation