milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: After graduating high school, I wanted to pursue a career in XXXX or learn how to be a XXXX. I went to XXXX XXXX in XXXX to discuss my options with an admissions counselor. They made me feel as though I was unique and that they only let certain individuals with certain vision attend the school. I was accepted and felt great. I started attending classes after getting a cosigned loan. 

Shortly after attending classes it became clear to me that this was a scam. My teachers barely understood what they were teaching and would not answer my questions regarding job placement. The job placement conferences were laughable. They were not in any way applicable to what I was going to school for. Kiosks were set up by companies offering minimum wage to conduct work for hire that was not in anyway related to my subject of study. 

Often I had to teach myself XXXX and the functionality XXXX and ask if we were going to actually discuss the movies we were watching. I could 've rented these films or purchased them on my own without a loan and without wasting my evenings after work. 

Then I realized this loan was going to get very large over the course of 4 years. I started expressing my concerns to XXXX teacher who seemed unhappy with his job and whom I was able to talk to after the end of a class. He too was unhappy with the situation at the school and told me to get out, that I was catching on to something much larger than I knew, that I needed to leave before I had too much debt pile up. 

I decided to listen to his advice. This was in XXXX. It is now XXXX and although my loan has been paid on, on time, each month all this time, it is not going down, it is increasing. I have asked for settlements I have asked for loan forgiveness. Nothing is offered. The school, XXXX XXXX is officially closed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Late payment record for sears is false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I renegotiated my student loan with Wells Fargo. The original terms of the loan was to pay XXXX XXXX dollars a month for fifteen years. The new terms was to pay them XXXX XXXX monthly for a shorter period of time. When i requested a im school deferment i was told to send in the paperwork. I then received a letter months later stating paperwork with a bill. I called and they verbally notified me that my loan was charged off three years ago without my knowledge. I had been calling in phone payments every month consistently. I have no idea where that money has gone since the bank is refusing any access to my payment records account history etc. i am attending an accredited program at this time for a higher education.

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 10-10-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My account was transferred to Transworld Systems XX/XX/XXXX from XXXX XXXX XXXX. Account # XXXX. The reason for my complaint is that they will not send me monthly statements of the debt. The reason being because they are not a billing coming and the longer I wait to pay the debt it is incurring weekly interest. The last statement I recalled I received was from XXXX XXXX XXXX before turning over to the collection agency there was a balance of {$820.00}. Now I have a balance of {$890.00} as of XXXX/XXXX/XXXX. When I spoke with a representative XX/XX/XXXX I explained that I can only making payments of {$10.00} a month/ I explained to them that I had been XXXX twice in XXXX and having a difficult time make full payments due to several other deductibles I am paying to others. I was told they can not make a formal payment arrangement with me unless I agree to pay {$36.00} a month to stop interest from accruing and at that point they can send me statement. But earlier I was told they can not send statements. I believe this is unfair collection efforts, how can they charge weekly interest on a debt that was sent to them by XXXX XXXX XXXX in which they never charged interest. I would never get this paid off. The debt keeps going up and up. In the meantime they are continuing to cash my {$10.00} checks. I refused to send them anymore payment until I get a running balance of what I owe and I want the interest to stop. This is clearly a UDAAP violation. Please assist me in getting this resolve. I want the balance verified that was transferred from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: Santander Bank, XXXX XXXX XXXX and XXXX failed to do their do diligence, by not calling XXXX bank to properly route funds to XXXX account. This event happened on XXXX/XXXX/2016 at XXXX at the XXXX branch. Ask for a Manager, their was none present. Then had to go to XXXX to cash XXXX bank settlement check.

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
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: i was denied a hamp because the unpaid balance is over the hamp limit, I am only {$14000.00} over the limit of the hamp & also requested to pay this amount towards the principal to allow me to get reviewed thru the HAMP but they did not respond to my request. also they stated that they are unable to reach an affordable mortgage payment based on my income. my gross income is XXXX and that me or the co-borrower have reached the allowable number of modifications. I am at a point that I can afford my current mortgage payment, but I can not afford to pay back what I owe in the past which is over 200 thousand dollars, I want to save my home and I am trying every avenue to do so, however they seem that they are not willing to help me, instead they prefer to go thru the foreclosure process which it will cost them more money to them. I want to stay in my home and I am trying every avenue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 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: Public record information inaccurate

Complaint: I obtained my XXXX credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...

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 12/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit record shows a charge due to XXXX, which I do not believe I owe. XXXX has said there is no record of me owing this amount, and the collection agency continues to ignore my repeated efforts to get information to learn what these charges are for. I am attaching the letters I have sent and have not been successful in removing this charge from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: Credit card company refuses to close account, and states I must call an international number

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-04-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Multiple out of the country fraudulent charges occurred in my Citibank checking account. I filed a dispute and lost the claims, then a string of fraudulent cash withdrawals occurred and anmyriad of fraudulent transactions followed. I filed claims lost each XXXX and the forced a hold on my account freezing funds denying all claims and have prevented me from speaking with anyone saying it 's confidential information. I 'm out in excess of {$7600.00}!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This has been removed and keeps popping up with different collection agencies on my credit report. I do not owe this nor have they responded to repeated attempts to validate and prove this is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX card, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is XXXX XXXX XXXX XXXX and all those other numbers, either do not belong to me, or are outdated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Re : XXXX XXXX XXXX SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against TransUnion about my Credit Report. I have no affiliation with XXXX XXXX care. On or about XX/XX/2016, Your company states I owe : {$200.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visirted this place or do n't even know here this place is located. 
I would urge you to have all of themse items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.

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 05-01-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for a online loan a few years ago, and ever since then, I have been the victim of identity theft. I have had other pay day loans and checking accounts opened up in my name. Recently, I relocated to XXXX from XXXX and I wanted to see about the possibility of transferring my car loan to my local credit union. I was told that I had a bank fraud case on my account. I contacted XXXX to find out about this information, and was told that the account was not under my name and I would have to dispute this issue with the credit reporting agencies. I would appreciate any help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed XXXX a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My account was turned over to Professional Debt Mediation on XXXX XXXX, XXXX. I have contacted them once before today in XXXX XXXX. I have never paid anything on this account. When my credit adviser checked my credit report, he saw that they had reported activity on XXXX XXXX, XXXX. He advised me to call and ask them to remove the false report. They refused and argued that I had been lied to. Professional Debt is reporting the last date of activity on this account in error which is a violation of the CFPB. Please have this account deleted because of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: TransUnion Credit Bureau refuses to remove two tax liens on my credit report.  I have disputed both of them 9 times in the past 9 months.  I had filed disputes with XXXX and XXXX and they both removed the tax lien information.  I have received letters from both the IRS Federal and The State of Michigan saying that the amounts are paid and the information should be removed.  I sent copies of these letters to TransUnion.  They still refuse to remove the lien information.  I filed a dispute again today.

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 03/25/2015 about Debt collection (Non-federal student loan) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Never had a student loan

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My debt was paid by XXXX banks/XXXX and XXXX. PayPal continues to lock my account and it is restricted in order to collect this debt again. I was told by XXXX bank that they communicated with PayPal regarding this transaction. PayPal refuses to acknowledge any payments or communication from XXXX bank. Now both are refusing to give me any paper work to backup their accusations. I have disputed information from PayPal that is incorrect into records. PayPal refuses to correct anything other than change my old phone to my new number. This item was paid to PayPal twice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX - XXXX : I have never paid late

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
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: XXXX XXXX is showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent, by  USPS certified mail, a di spute and request for validation of negative information reporting against my SSN to   XXXX   on  XXXX / XXXX /   17  and Equifax on  XXXX / XXXX / 17 . The request clearly stated that a generic response that the information was verified would not be acceptable. I asked that they provide me with the documents they have in their files to verify the validity of the information they are reporting. I have the right to demand this information under the Fair Credit Reporting  Act, 15 U.S.C. 1681g. I also demanded that under the FCRA 15 U.S.C. 1681i, all unverified accounts to be promptly deleted. My request was ignored and   XXXX   and Equifax responded to my request saying the accounts in question were " verified '' without providing me any proof of verification or copies of documents to support their claim.   XXXX   and Equifax are in direct violation of the Fair Credit Reporting Act. The Credit Reporting  Agencies have an obligation to uphold these standards and be in compliance with all applicable laws and regulations and they have failed me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Other

Complaint: For the month of XX/XX/XXXX, my Capital One credit card was due on XX/XX/XXXX. My statement balance was {$280.00}, however, I had a higher balance from recent transactions. I paid {$500.00} from my XXXX on XX/XX/XXXX and it came out of my checking account on XX/XX/XXXX ( see attachment ). Since I paid my entire statement balance, I now have no payment due until XX/XX/XXXX. I am enrolled in text alerts from Capital One for purcahses, payments, etc. At XXXX on XX/XX/XXXX, I received a text saying, " Capital One Alert : Your payment of {$280.00} is scheduled for XX/XX/XXXX. Contact us if your payment details are incorrect. '' I was sleeping at this time, so I know I did not schedule this payment nor did not contact Capital One until XXXX the same day. I was told that yes, a payment had been scheduled via a Mobile device and could not be canceled. I reviewed my payment history and at least since XX/XX/XXXX, I have used XXXX to make my payments to Capital One, but this time, it was scheduled from my husbands XXXX account. Back to school time and a XXXX, my husbands bank account had a very low balance that was not able to cover this {$280.00} payment. My husband called his bank and they said that nothing is pending or posted as of yet and to keep an eye on it. As soon as he sees something come through, he will need to contact the bank so they can flag it and cancel the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I would like to file a complaint about TD Bank. I have had an individual personal checking account with this bank since they took over from XXXX. Their routing number is XXXX and my account number is XXXX. On XX/XX/2017 this account was debited for {$4600.00}. The account also had a hold put on it for the same amount resulting in a net debit of {$9200.00} and subsequently overdraft charge. Since I was unaware what this was I visited the XXXX NJ branch at XXXX on XX/XX/2017 and spoke with their representative XXXX requesting an explanation. He indicated that my son 's student checking account was overdrawn, an account that I had been added on to. I asked him for a copy of the overdraft notice that was sent to me. He was unable to supply it indicating it was sent to the address on record. I asked him if it a notice was sent to me, not my son as I never received anything. He again indicated a notice was sent to the address on record and would not confirm if one was sent to me. I then asked for the copy of notice sent to me indicating they are debiting my account. He replied that they have the right of offset and are not required to send a notice. So, at this point I was not notified of the overdraft on my sons account or debit on my personal account. Finally I asked why my account was debited and put on hold resulting in a double debit. He reviewed the account and indicated it was a bank error and removed the hold and credited back the overdraft charge. The handling of this situation has caused this complaint.

Company response to consumer: Closed with explanation