milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have had problems with these loans from the start. They started off as XXXX XXXX loans that were as much as a Mortgage costing me over XXXX A month. I tried to get them lowered then and all they said was there was nothing they could do and I had to pay it. When XXXX XXXX got in trouble my loans were switched over to Navient. Although they are less they are still over XXXX a month. I was mislead when I initially got the loans on how much the full payments would be when I XXXX or I would have never gotten them. I still have other private loans and federal loans that I pay on top of this. Those lenders have been cooperative. I am in XXXX XXXX XXXX XXXX ( I am paying the XXXX out of pocket at this point ) trying to get my XXXX XXXX so I can get a career but these bills make it difficult. I was working XXXX jobs and XXXX XXXX XXXX XXXX XXXX recently. I called my lenders to get some help because I ca n't pay them off with just my XXXX XXXX XXXX and Navient is the only one that refused to help. XXXX there was nothing they could do. They did reduce the XXXX loan that is In my mother 's name a little but XXXX of the conditions was that it had to come out electronically and I do n't have the money in my account. Now my bank account will be affected. I have paid what i can but got so far behind they are now showing a XXXX balance due which I guess means they are in forbearance or deferment or something. They keep calling my mother 's phone. She does n't answer because she knows all they will do is say I have n't been paying and ask her for money and she does n't have it either. All I wanted was some help until I found another XXXX XXXX and possibly until I XXXX to make it easier to save money for XXXX. I had great credit but now it is really being affected by this

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with U.S. BANCORP (PA).
Issue: Rewards

Complaint: When I opened my US Bank XXXX XXXX Premier Rewards Visa Signature Card, the terms and conditions promised that as long as the annual fee is paid, a bonus award hotel night would be provided whenever I use my gold points to book award nights of XXXX or more consecutive nights at the same XXXX XXXX property. That benefit is now being taken away, and no direct compensation is being provided. My annual fee of {$75.00} was charged in XXXX and I paid it because I believed I would be receiving the free award night benefit for the entire year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: My wife filed for bankruptcy years ago.The mortgage company put a lien on our home and she paid it off. The bank sent a letter stating the debt was paid in full but now they will not remove the lien. This has been going on for two years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MA).
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: Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, Wells Fargo Home Mortgage started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by the XXXX of XX/XX/XXXX, XXXX and XXXX ). The XXXX XXXX XXXX reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date. 
To my surprise, I reviewed my CRA noting WFHM delinquent report for 9months. 
I addressed this information with the bank, stating unaware of the report to the bureaus. 
This false report is badly reflecting my score while rebuilding my score and hard work. 
Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the XXXX, City Hall Mayor 's office, and my Attorney.

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, OnXX/XX/XXXX, XXXX XXXX sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This may have impacted reporting on your account for XX/XX/XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by XXXX XXXX according to the three major credit reporting agencies. 

When I called XXXX XXXX in XX/XX/XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from XXXX XXXX as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your assistance with this matter.

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 08/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never reside at the XXXX, Ca address on my Trans Union and XXXX credit report. That 's never been my address and my personal information was list and stolen and believe some is still using my identity.

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 09/15/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I XXXX XXXX believe that I have a legitimate case of identity theft that needs the immediate attention of the Consumer Financial Protection Bureau. My case can be described in a chronological order so that it can be clear that my personal information such as my social security number, date of birth and additional personal information are being held by a collection agency that has no legal recourse against me personally. On XXXX XXXX, XXXX my debts from any XXXX student loans were legally discharged in a United States XXXX court. All of my debts were legally discharged and there is no legal position to collect. Any student loans procured after XXXX XXXX would fall under a different legal guideline, but any or all student loan debts procured before that timeline are dischargeable from a bankruptcy petition. The use of any of my personal information to abuse my credit reports is without question an identity theft. This company is using an abusive collection process in violation of my rights under the Fair Debt Collection Practices Act. I demand my file to be purged permanently and immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Medical) with Receivable Solutions Specialist, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The credit agency, Receivable Solutions Specialists, Inc has not only tried to collect a debt I do not owe they have filed a report against me with the XXXX major credit bureaus. This has negatively impacted my credit. The debt belongs to my adult son. He is on my insurance but I am not responsible for his medical bills per the XXXX. I notified the agency of this but they are still sending bills in my name. I have never signed anything that I would assume responsibility for the debt.

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 01/19/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. In XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Consumer Loan (Vehicle loan) with Friendly Finance Corporation (OH).
Issue: Problems when you are unable to pay

Complaint: My ex-wife and I divorced XX/XX/XXXX I was court ordered to gave my ex XXXX the vehicle, I was ordered to sign the car over to her, with the court order she was to pay the loan, after 5 years of not paying, now the loan company is going after me to pay loan, In the last years, I 've not heard a word from the loan company about any of this, the loan company did not repo the vehicle, she still has the vehicle to my understanding, XX/XX/XXXX when I received my pay check, the loan company garnished my wages without me knowing, I received nothing in mail or a certified letter stating they were doing this,

Company public response: Company believes it acted appropriately as authorized by contract or law
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 Ditech Financial LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX XXXX, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX XXXX  according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: DCI, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a collection account under my name with XXXX. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with ConServe (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Conserve is reporting an invalid account to my credit file. I 've never heard of this company until I received a credit alert from a credit monitoring service. I have never received any mail or phone call from this company. They are falsely accusing me of owing them {$650.00} for XXXX XXXX College. I have never been registered with XXXX XXXX College. In fact, the last time I was registered at any College was in 1988. Furthermore, I have no contractual obligations to Conserve. This is clearly a mistake on the part of Conserve. Because of their mistake, my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting to the credit bureaus a debt in which I do n't own. I have no idea where it came from the debt is simply not 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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: It took many, many attempts to find out how much our daughter owed on her student loan that was first issued through XXXX XXXX and then was sold to Navient. I as her father co-signed on the loan. They absolutely would not give us the payout amount. We finally had to have a three way conversation with the Navient rep, our daughter and us to get them to give us the pay off amount. Once that finally happened we paid it off as the interest rate was so high and we were able to refinance through our own bank at a much lower interest rate. We paid them what was quoted as the payoff thinking we were done with them. The next month they sent us another statement taking that payoff amount and stretching it out over two or three years worth of payments and said we still owed over {$700.00} dollars on top of that. We could n't get any answers so we then talked to a " supervisor '' who said it must have been a mistake and had no other explanation. We had to then go take out more money to finally be done with them. Navient was dishonest, thieving liars!! A terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Private student loan debt) with ALASKA COMMISSION ON POST SECONDARY EDUCATION (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I went to the university of XXXX from XXXX. I received private student loans from the AK XXXX XXXX XXXX XXXX. Years later, I ran into hard times and filed bankruptcy in XXXX. I had never made a payment on these loans because when the payment became due, it was way too much for me to pay. They were included in my bankruptcy as well anyway. I 've disputed these loans all year XXXX XXXX ) and have disputed them in the past to no avail. TN law states they have to be removed after 7 years anyway. They wo n't remove them. They lie and say I was late on payments in XXXX when I 've never made a payment. They even lied and are acting like they were n't included in my bankruptcy. Either way, please help me clear up their negative reporting that they keep doing month after month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Student loan (Non-federal student loan) with College Assist (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: While attending XXXX school at XXXX @ XXXX I was pressured by fellow students, professors and media to consolidate my loans. I consolidated my student loans with XXXX with the understanding my interest rate of less than 3.8 % would be locked in and garunteed not to climb. Upon receiving the first statement, I found XXXX already broke the contract. I paid my loan until all my savings was depleted and I was no longer able to pay. My earnings are not enough to provide beyond basic survival. My loans were sold to College Assist, XXXX XXXX, and XXXX. Through college Assist I was offered a rehabilitation program for {$5.00} per month for 12 months to remove my loans from default status. When looking over the agreement I discovered I will be charged over {$30000.00} for the service.. This sort of fee is crippling on top of an already insurmountable figure considering my place in a ruined economy. The loan is increased by around {$100.00} a WEEK. I am being extorted. I find no offering of IBR, deferment or forbearance offered. My requests went Un acknowledged by all contacted listed by the company. I 'm left with this rehabilitation program where I would be paying {$30000.00} plus approximately {$7.00} daily more as my only option of repayment.

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 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from 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 01/28/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Arbitration

Complaint: I disputed a {$240.00} double charge, and provided evidence of the mistake. After a month long investigation, Citi bank credited me {$9.00}. No explanation why, and when I call they told me they could not reveal how they got to that number. Not using them any more

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 08/24/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy a few years back and when I did my lawyer didn'treaffirm my mortgage. I never knew this until I tried to refinance. 
Things changed in my life and I could no longer afford XXXX amonth. I have asked over and over with my mortgage company tohelp me to just lower the payments. I do not want to loose my housebut I am now a month behind on my payments. With the mortgagenot being reaffirmed, none of my payments show on my credit. I'mnot trying to get out of paying I just need lower payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Bank of America reports bogus information to XXXX even though I do n't owe them money

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