milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed information on my Experian credit report and even provided fraud packets from the FTC with information confirming I was a victim of identity fraud. On my credit report there is an account for XXXX and duke energy that were fraudulently open. The credit bureau has taken no action to resolve the issue or remove the accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2017 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: Account information incorrect

Complaint: On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the TXXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect 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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Many inquiries on my credit report that were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Medical) with Frost-Arnett Company (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had XXXX on XXXX/XXXX/2015 at XXXX XXXX XXXX XXXX. I had XXXX insurance at the time of service. The claim was paid and it left a patient responsibility which I was paying on.Once I found out XXXX took the payment back from the facility, I stop paying They continued with collection practices and I am owed {$1100.00} in payments, and I sent a certified letter to the facility requesting the payments back with no response. After I sent the facility the letter requesting the refund, I was sent to collections again but to Frost Arnett. I faxed over a copy of the XXXX from XXXX with no response so far form them.,

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Student loan (Non-federal student loan) with AES/PHEAA (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had been accepted into XXXX XXXX University in XXXX XXXX, XXXX. I was an out-of-state student who lived in a small town in XXXX. I was informed I would get a {$5000.00} a semester scholarship XX/XX/XXXX and about {$1000.00} in a grant but I would have to come up with the rest of the money, myself, offering student loans both federal and private. I was not approved for much for federal loans but the private loans were pushed and accepted at $ XXXX per semester and even $ XXXX- {$40000.00} for a couple of semesters with a co-signer. It started with XXXX XXXX then it went to XXXX XXXX, XXXX and I ca n't even remember the other. Now, I 've gone through a " plan '' that was supposed to be 10 consecutive, on-time payments and have given them hundreds of dollars through which this " plan '' was purchased by XXXX. I 've been getting harassed by American Education Services since XX/XX/XXXX along with my mom and dad and even an aunt, my sister, and my best friend. That has continued to include National Collegiate Trust. Both of my parents have filed and won bankruptcy, separately, and while we know federal loans ( though we 've paid tens of thousands in the past 7 years ) are n't included in bankruptcy, the point is that we are all under a hardship. I called AES, today, to see what was going on and I was told that they could n't accept any type of payment other than over the phone and it had to be by checking or savings account, only, and credit cards and prepaid cards would not be accepted. My loan amount has n't budged although I filled out paperwork packets after paperwork packets leaving us all on edge and heavily confused with what to do or which way is correct. I have statements, emails, notes, and letters that I can provide but will need to have some time to gather ones from my parents. My husband and I are expecting our XXXX baby in just a few short months. I 'll be out on maternity leave and will not be paid for the leave.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i was pre approved for a discount program designed to save money on my loan by midland collection agency.given a certain date of expiration which was XX/XX/2016..midland collection agency has given me XXXX options. 
1. 40 % off from balance of {$3100.00} which was {$1900.00} 2. 20 % 6 month payments of only {$420.00} 3. monthly payment as low as {$50.00} per month. you have to discuss with them for this. 

I took option 1 .paid them {$1900.00} by check at XX/XX/2016 which was posted or deducted from my bank account posted on XX/XX/2016 way ahead of their due date. 
Yesterday XX/XX/2016 i got a letter from them thanking me for my recent payment, however they tell me that i still owe them {$1200.00} this is the amount that i was suppose to save on my XXXX % option 1 discount.i 'm so mad that i am looking straight for help ... thats why im here ..i need your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My Navient loans have variable interest rates with NO MAXIMUM. Right now there are currently at 11.42 % and are consistently increasing, i.e. they have never decreased in the 6 years since I 've signed. I 've asked Navient to provide me with a formal letter stating this to attach here and they will not. I wonder if this is because it 's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America told me they would n't resubmit a check that bounced because I accidentally double paid but then they did resubmit the check and it, of course, bounced again. Their customer service guy, XXXX, said the check would n't be resubmitted but then the next day it was. 

The problem started when I overdrew my account in the first place. That was my fault. When I saw that the payment did n't go through, I submitted it again once I determined our account could cover it. I did n't know, however, that BoA policy is to re-run bounced payments. Thus, they ran the original payment through, which was covered, but my second payment now bounced. Knowing now that the bounced check was going to be run through again, I called BoA to stop that. I talked to XXXX who assured me the check would not be run through again. He practically glossed over my problem and started to ask me if I wanted to refinance my mortgage. I told him I wanted more assurance that my check would not be run again before he sold me anything. He assured me in a very unassuring way, so I asked for a case reference number. He said BoA. did n't have reference numbers but that my account would be noted that I had this conversation. I come to find out today that the check said would not be run again has, in fact, been run again, so now my account is overdrawn. BoA mortgage customer service is closed on weekends, so I ca n't to anybody until Monday. It 's Saturday morning now. I take responsibility for the original {$30.00} bounced check but this second one is BoA 's fault because XXXX was wrong about the payment not running through again. I might be on the hook for more fees because I have pending debit that might be overdrawn depending on how quickly BoA credits back my account on the second mortgage payment that XXXX said would be stopped. It was aggravating how he seemed to be more focused on selling me a product instead of providing customer service.

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 (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (OH).
Issue: Other service issues

Complaint: XXXX through Google wallet had a lot of tech and other issues. I was being charge without getting the product. from XXXX XXXX. I 've been fighting with tap joy until XXXX XXXX when I filed a XXXX complaint on tap joy. I then contacted Google wallet Ans one rep gave some of the refunds back but his system would n't do the rest so he stated contacting my CC company to file a dispute. I did and they acted, Google closed my accounts requesting verification ID Card No. before they could open back up my account, I sent them the info, they stated within 24 hours my account would be back open. But then they contacted me back stated they suspended my account and will not open it until I ask mt credit card co. to reverse the charges back to them. ( They lied to me just to get my ID SSN and my credit card info. ) And now they kicked back the emails and responses to cover up their misdoings. after I told them I am going to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: Due to process of foreclosure over my property, Servicer bank to close foreclosure using Us Government HAMP program and changed my principal balance on XXXX XXXX 2014 from {$310000.00} ( Property principal ) to {$450000.00} ( Property value + monthly aggregated defaulted payments ). Yes, Ocwen is charging {$130000.00} as late fees and adding it to principal. Consider also that I 'm paying 43.65 % to recover my house after foreclosure and with the sponsorship of the US government. 
This behavior is against federal usury estatutes as well as to FL estatutes.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my Mortgage through Ocwen. My payment is automatically withdrawn from my paycheck every two weeks. I 've called them once before and asked that my payments be applied to principal and they told me I could only apply a full payment to principal and that it would be done automatically once I had paid a full payment ahead. Currently on my statement it shows that my next mortgage payment is n't due until XX/XX/XXXX. Which means they are holding my money and making interest on it until it 's time to apply the funds to my account. I called in today and they guy said he would apply the payment ( approx XXXX XXXX from XX/XX/XXXX to principal, and that it would be done automatically going forward. But that is not good enough as Clearly I 've paid XX/XX/XXXX 's statement in full already, but they are n't applying it to principal. How do I get them to stop stealing money from me. Is there someone that the consumer can petition to get them to properly manage my account?

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: I've been a client of Bank of America for over 25 years and was an employee there for 13 years. 

Starting this year, BofA started charging my personal checking account $ XXXX as my balances were not over {$10000.00}. They should have been charging $ XXXX. When I went to the branches, two would not process a change as they were too busy while the XXXX number could only change the type of account I had. It seems that the $ XXXX was a 'high interest checking ' account that pays 0.01 %. If my balances were too low to warrant this high interest checking account that a branch employee switched me to once upon a time without my knowledge, the account should have migrated to the appropriate account type for the balances that I was keeping. To make {$25.00} a month on this account, someone would have to keep over {$55000.00} in the account. As such, charging a low balance account for something that they can not use seems very XXXX XXXX of BofA and suggests a move toward enriching themselves at the cost of their clients by moving them to unsuitable products. I don't care about me and the few dollars that I paid unnecessarily - I'm concerned about all of the people who are being taken advantage of.

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 01-06-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Taking out the loan or lease

Complaint: In XXXX XXXX Santander Consumer Usa purchased a car loan from XXXX for me on a XXXX XXXX. I made every payment on this vehicle to them until my car was refinanced by XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and receiving the tiltle to this vehicle on XXXX XXXX XXXX In XXXX XXXX this company Santander Usa starting reporting derogatory payment history to the bureau and i know longer had the car it took me to XXXX to get this corrected but it has impacted my credit report a great deal by reporting it as A charge off account paid for a less amount. My loan with them was for XXXX and at the time it was purchased from XXXX the pay off for the vehicle was XXXX and it was paid and title was received. what is hindering me is this account is labled as a charge off and it was never a charge off. I have attached all the documents for this loan including the title that was given on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: On or about XXXX/XXXX/2015, I received an approval letter from my senior lien holder and immediately forwarded it over to the junior lien holder Chase. I have received several extensions from the Senior Lien Holder and I have informed Chase that I can not receive another extension. This latest extension expires on XXXX/XXXX/2015. I have phoned, emailed and sent messages through equator and still no result on my approval letter. My file has sat with Chase for over a month and was not touched. It took XXXX months to get my address corrected. It is as if the bank is pushing me into a foreclosure situation, I see no evidence of them doing what the government says the lenders should to provide foreclosure alternatives to us as homeowners. I have tried as hard a I can to make this work and the bank is being unreasonable. So, due to their inactivity and unwillingness to assist me, I have reached out to you. I am desperate for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a dispute with Experian to get several items removed from my credit, since they have expired based on Florida Statute 95.11.2(C) for mortgages and XXXX for credit cards. I am disputing credit cards and mortgages that have passed the statute of limitations pursuant to Florida Statute of Limitations. Not only did Experian not follow the Florida Statute of Limitations, but the results they provided at the end of the dispute are completely off-base and incorrect.  Experian stated dates on their "results" that did not even make sense based on the information supposedly reported by the creditors on my credit report. In my opinion Experian is simply echoing what the creditor is telling them, instead of taking XXXX sets of information and then using the law to find the correct conclusion or result to the dispute. Experian is taking matters into their own hands and not abiding by the law, whether it is the Florida Statute of Limitation or the FCRA. Experian is passing judgment as THEY see fit and not as the established law states it should be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/15 I requested validation from AD Astra. As of XXXX/XXXX/15 I have not received any proof of this debt from them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I was charged {$72.00} in overdraft fees on XXXX. Last time I called about a fee I asked if my line of credit could be setup on my checking account and to opt me out of overdraft. I was lied to about this and was charged {$72.00} overdraft fees due to this. I am on a fixed income and can not afford to pay these fees due to their mistake. XXXX of the fees was for {$3.00} that should have declined due to being opt out. I never signed a form opting me into overdraft coverage and asked to see if but was told they did n't have it. Please help me get all {$72.00} refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I applied for autopay on XXXX/XXXX/16 with Navient for my XXXX loan. Despite the fact they have all the information from previous manual payments, they rejected my application ( thereby continuing to charge me an extra .25 % interest ). I called XXXX/XXXX/16 to complain about my manual payment pushing autopay back to XXXX/XXXX/16. After 20 minutes on hold, I was told my due date would be XXXX/XXXX/16, and autopay would apply for that date. I did not get the customer service person 's name. After that call, I received a letter rejecting my autopay dated XXXX/XXXX/16. Today, after seeing the letter, I called and spoke to XXXX in customer service, who told me he does n't know why my autopay did not go through. He suggested an error in the routing number, or names on the account, both of which were correct on the application, but he thought the new application, with the exact same information would. I have no faith, and I want a refund for the extra interest I 'm paying due to their screwup. I also believe this process should not take 10 days, with no confirmation and no way of checking the progress via the website. It 's ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my wallet was with all my property ; include my driver license, my social security card, my credit card. I had reported to the law enforcement. as I continue to say those charge that appear on my credit report are not belong to me I sent you the report you refused to make the necessary change according to law. if do n't think this not correct call them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Reporting inaccurate information on my credit report this debt now says closed and dosent belong to me.

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