milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When I started paying my student loan payments 8 years ago after   XXXX   school, I asked them repeatedly about the   XXXX   loan forgiveness program. I knew that I worked at a   XXXX   XXXX   XXXX   XXXX   and that after 10 years, my loans could be forgiven. Ive spoken to someone a t Navient every year since then, multiple times. It was n't until this year that someone notified me that I had to be on an Income Ba sed repayment plan for this to occur. So, despite the fact that I had asked them about the best way to set myself up for this loan forgiveness program, no one ever told me it had to be income based repayment plans. So now, I have to start all over in repaying 10 years of payments. It seems crooked and shady and my loans are not even going down. It feels like they just ripped me off to get more money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (I do not know) with Aargon Agency, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Aargon Collection Agency ( ACA ), is an unlicensed ( per state of The State of Georgia XXXX ) debt collector who has illegally accessed my credit report without my express consent, authorized signature or by court order. They have attempted to collect a debt without stating the amount, used unfair unconscionable means to collect or attempt to collect the alleged debt, used false representation or deceptive means to collect a debt or obtain information about a consumer. Please assist me with this debt collector with unscrupulous behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on XXXX and Transunion. This is not my account, and it seems like XXXX has proven 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 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to Chase and told them XXXX funding debt from XXXX, was not my debt. I got a letter that said they placed a hold on my account, and then they verified my social security number and Driver 's License, and re-imputed this information into their computer. Then XXXX, bank attendant told me it was not me, so it was cleared. XXXX department said they would take care of it because it was not me. Then we get a new judgment from court allowing them to go after my joint account with XXXX I believe they gave this information to XXXX which is a violation of my privacy, especially since they told me it was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I filed bankruptcy back in 2011 and it was discharged in 2011. I have not received any information regarding the property at XXXX XXXX XXXX, XXXX XXXX, MO XXXX from chase. I contacted chase and they advised me that they will not be foreclosing on the property, want nothing to do with it, and that it has been charged off and basically the property is my responsibility. I have asked if I have any options for a deed in lieu and I have not received anything but the run around. I would like for chase to do something besides tell me that they have washed their hands with the property but I can only pay the balance in full after I 've already filed bankruptcy. They have provided me with no information as to what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was awarded XXXX on XXXX XXXX, XXXX. I received my back pay on XXXX XXXX, XXXX at which time I payed off the smaller of my two XXXX XXXX loans in the amount of {$8900.00} to Nelnet. I also payed a total of {$800.00} on my XXXX  student loan. I made these payments on the same day that I received my back pay in an effort to reduce my debt so I could live off my limited income. 
Approximately one month later, ( I 'm unsure of the exact date and ca n't seem to find the original notice ) I was notified in writing that I was eligible for discharge of my student loans and requested to complete the application, which I did. 
Nelnet services the discharge process, and at this point I have been approved for that. 
The problem is that they will not refund this payoff that I made out of my XXXX back pay because the state that any payments I made before they were aware of my eligibility are not refundable. They do n't use the date that the XXXX signed the XXXX approval or the date that I was notified. They are essentially keeping almost {$10000.00}, which is 1/3 of the back pay I received. I thought I was doing what was best because I  was not aware that XXXX recipients were eligible for discharge. It 's not something my attorney talked to me about as a possible outcome even though he was aware that I have a degree. 

I feel this is a very unfair practice by Nelnet and perhaps there are others who have had this happen and not been able to get anywhere with Nelnet on refunding that payment that would have been XXXX if I had not decided to pay it off to make my minimal monthly income stretch a bit farther. 
I have spoken to Nelnet on multiple occassions about this and they will not consider refunding my payments. I have not been able to find an attorney to work with me on a pro Bono basis so I am attempting this avenue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo sold a mortgage we had and paid off via bankruptcy to a XXXX Home Loans. I have already filed a complaints with the XXXX which is under the Pennsylvania XXXX Office and the, Pennsylvania XXXX. I have documentation that Wells Fargo filed a satisfaction of mortgage with XXXX County, I have further documentation from the Bankruptcy court records that indicate said mortgage has been satisfied. XXXX Home Loans is currently trying to foreclose on our property, even know documentation has been submitted to them multiple times proving the mortgage has been satisfied, was recorded in XXXX County on XXXX XXXX 2016.

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 06/28/2016 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (MI).
Issue: Deposits and withdrawals

Complaint: I was issued XXXX refund checks from when I sold my house and overpaid M & T Bank. I forgot about the checks and when I found them a little over a year later, I went to cash them with my bank who told me that they were too old and that I needed to contact the company to be reissued the checks. I have made several attempts to contact M & T Bank and every time I speak with them, they tell me an excuse as to why I have n't received the checks. They keep telling me that they mailed them and that I should receive them any day and they never show up. I call them several days later and they tell me the exact same thing. It has been over a month of calling them and I still have no checks. They keep telling me that it is my money and that I do get it, but I 'm still receiving no checks. I receive all other mail and have n't had a problem and it 's strange that they keep telling me the same thing over and over and never have a reason as to why they have n't been received.I have verified the mailing address with them several times and they have it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (PA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: i have never missed a payment on gas card or my medical card. i knew that i would need new credit for our flooring and reduced the line of credit on my gas card by {$1700.00} and my medical card by {$4000.00}. i then was approved for less credit than i needed at 2 flooring stores. i closed those cards and my gas card to increase my chances of getting the credit i needed. i was then denied even though i reduced my credit lines by {$12000.00}. this stinks. i will no longer use Synchrony bank or its Vendros going forward.

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 05/18/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Applied and received XXXX XXXX Credit card held by XXXX XXXX in the amount of {$150.00}. Paid and cancelled card. Collection Agency Portfolio Recovery reported a collection account to credit bureaus in the amount of {$450.00} they have been calling my phone for months, I mean everyday. Spoke with rep twice told them this debt had been paid in full and no more discussion. The date placed to the bureau has been excellerated. ( not true ) .This company calls my phone from multiple cities and uses multiple numbers. They will not send me nothing in writing verifying the validity of this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (I do not know) with Rhodes, Kelly Assoc Inc (NC).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have a collection charge for 2016 that is not mine

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 08-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Credit determination

Complaint: I 've spoken with Barclays Bank office of the President. Who clearly stated that my last payment on this account was XXXX XXXX. I 've found Consumer Protection financial bureau statement in your file your file dated XXXX XXXX. Where Barclays Bank verified my last payment on XXXX XXXX, XXXX and they told you that since there where no other payments from XX/XX/XXXX-XX/XX/XXXX that they charged the account off. If Barclays told CPFA one thing in XX/XX/XXXX and lied about in XX/XX/XXXX. That 's a deception, inaccurate lie that this company is reporting to XXXX and XXXX. CPFA case # XXXX. Please look up information to show that Barclays had to the govt and continue to lie to me and the CRA Bureaus. Contact the lying office of the president at 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 08/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: left my personal notebook bag front of porch and it got stolen along with my ID card, my social card, my passports along with my credit cards and debit card and my MAC AIR notebook 2011 seriesalong with my bar tending class flashcards

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with Key 2 Recovery, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The account manager repeatedly called my number several times everyday. The account manager also left messages regarding my debt over a voicemail violating my privacy. I will attach a sample of a voice mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have never been 30 days late ever and chase reported me last month. I am in the middle of a refinance to get my ex wives name off the house and them reporting is really hurting my score. I screwed up and sent the check but forgot the stamp and when i came back from working in another state it was late. If i dont get this removed i am going to have to sell this house and move.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: None of the information on the credit bureaus are mine. I have been complaining about this for years. My  XXXX , experian, and  XXXX  are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.

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 05-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had XXXX XXXX XXXX as my provider. I wanted to change my plan, so I brought the account current and when I update my plan I was quoted {$180.00} a month. The XXXX bill I received they charged me over {$240.00}. I called and let them know that that is not what I was quoted. They said they would fix it. I received the next bill and I was overcharged again. I called and they stated that they would again fix the issue. I told them that I planned to terminate my service and that we needed to settle the dispute. I send them a history of my payments, I did so with no response. I then discontinued my account with them. They contacted me and told me it was a remaining balance. I sent in again my payment history and they said again, they would contact me with an update. It has now been reported on my credit report. I disputed the charges and they were removed. I checked back later and they are back on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2017 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Closing/Cancelling account

Complaint: Opened credit card with Chase Business Ink credit card back XX/XX/XXXX. I made a {$3000.00} down payment for a concrete garage floor. Prior to my pay off and cancellation, i inquired about the dispute process since i was having a fallout with the contractor. The credit card company told me i had 560 days for a max extension to dispute from the date of transaction which would extend me to XX/XX/XXXX. The contractor had not installed the garage floor till XX/XX/XXXX due to his backlog. When garage floor was installed the credit card was already cancelled since i had paid the balance off. I anticipated issues due to history of contractors and ended up being correct. There was faulty workmanship discovered. I contacted Chase Ink to dispute and they " purged '' my account just a few months later after it was closed. Sent a fax to the correspondence team ( only fax provided ) with no response yet my fax went via ( proof of sent/received time stamp ) .The customer service dept states once the account is purged there is nothing they can do about it. I have the right as a consumer to dispute and this purge now violates my rights for consumer protection. I have also sent a request to the Chase XXXX office. I told them they have the legal obligation to hold records for a certain period of time. I can understand if something was purged after a few years but a few months later? 
Downpayment of $ XXXX in XX/XX/XXXX but final payment to contractor since work finished was XX/XX/XXXX. I filed a complaint with Chase Ink to unpurge my account XX/XX/XXXX to dispute the $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Student loan (Federal student loan servicing) with ConServe (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX SOLD MOST OF MY LOANS TO A THIRD PARTY COMPANY CALLED CONSERVE, WHICH IS GARNISHING MY PAY CHECK FOR 15 % OF MY GROSS PAY. XXXX IS SAYING THAT THEY STILL HAVE 15 OUTSTANDING LOANS AGAINST ME. I 'M PAYING TWO COMPANIES FOR MY LOANS. I DO N'T FEEL THAT THIS IS FAR TO ME WHEN I 'VE TRIED SEVERAL TIME TO QUALIFY FOR THE LOAN FORGIVENESS PROGRAM WHICH XXXX HAS DENIED ME. THESE COMPANIES WOULD RATHER CONSOLIDATE MY LOANS INSTEAD OF GIVING ME THE CHANCE TO QUALIFY FOR THE FORGIVENESS PROGRAM.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a complaint against Toyota Motor leasing. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft and fraud accounts was open in my name I never authorized nor gave permission or had any knowledge of also my XXXX account was ran up with charges I did n't authorized nor had knowledge of and XXXX card. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and charges from XXXX XXXX XXXX XXXX. I 've always kept this account in good standard now there are charges I never authorized.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I never signed anything with Naivent

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XXXX XXXX, 2017 to dispute information, regarding over XXXX hard inquiries for XXXX XXXX for XXXX and XXXX for TransUnion that was placed on my credit reports. They received the letter on XXXX XXXX, 2017. They completed the request XXXX XXXX, 2017. The request I submitted was over XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( TransUnion ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or TransUnion fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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