milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My issue is with  XXXX   XXXX .     I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearance 's, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past years, I have experienced job loss, financial hardship, and transitioning into  XXXX   XXXX   XXXX  including   XXXX   to  XXXX   XXXX  and  XXXX . I have taken steps to ensure my financial responsibility moving forward. After finding out that my student loans were in collections a few years ago while I was in  XXXX , I quickly paid to get them out, but my credit report still shows the closed student loans with late payment statuses. These loans were transferred to  XXXX  afterwards but the old loans from  XXXX   XXXX  are still showing on my credit report. I reached out to them through disputing through the credit bureau 's and have also sent them a letter directly and received nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with U.S. BANCORP (AZ).
Issue: Account opening, closing, or management

Complaint: Several months ago I opened an account at the US Bank XXXX XXXX XXXX, AZ on XXXX XXXX. I was told that I would have a maintenance fee free account if I had a direct deposit. I knew that I was getting my SSI check in several months, so opened the account. There is a variety of banks in the area, chose this one for location convenience but would not have opened the account if I had been told that the direct deposit had to be over XXXX dollars. I started getting my SSI checks, asked the bank to correct the charge and then was informed that it was n't going to happen. I feel that the representative lied to me knowing that I would not have opened the account if I knew that there would be a fee and that once the SSI check was direct deposited, it would be too complicated to make changes to another bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: contacted transunion regarding inaccurate information regaring a supposed public record. i possess no public record or bankrutpcy. the information upon conclusion stated " verified as accurate '' i contacted the source and was told other wise. they provided no information, nor was i provided tangible proof. the specious info must be removed. i contacted customer service and was advised to contact the CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Two collection companies reporting the same account number. I paid the most recent collection from XXXX but XXXX Company is still reporting. Its the same account number and settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Settlement process and costs

Complaint: On XX/XX/XXXX, my husband and I re-financed our mortgage with Chase. We received a letter dated XX/XX/XXXX, indicating that errors were found on the Closing Disclosure. Originally disclosed amount was {$4600.00} and the correct information is {$4200.00}. There was a phone number to call with questions - XXXX. Upon calling this number, a voice message tells you to leave your return phone number and someone will call you with 24 hours. I called several times and finally received a return call one week later. I was told they would XXXX an explanation to me, which they did not do. I just wanted to know where the difference of {$460.00} was applied - as a mortgage reduction or a check to us. The mortgage banker who made the original loan said we would receive a check within 4 - 6 weeks, which has not happened. I called her again and she said she 'would look into it. ' That was over 2 weeks ago and I have not heard from her since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Credit reporting () with EARLY WARNING SERVICES, LLC (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Early Warning  Services came back and stated that the records were verified by the financial institution even though they listed a social security number that was different than mine. They refuse to remove or suppress this information and as such I am being adversely impacted and can not open a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with BROKER SOLUTIONS, INC. (AZ).
Issue: Trouble during payment process

Complaint: I refinanced my mortgage with XXXX XXXX XXXX ( XXXX ) and closed onXX/XX/XXXX. Part of the closing costs included paying the interest that would accrue fromXX/XX/XXXX -XX/XX/XXXX, so as ofXX/XX/XXXX I technically owe {$0.00} in interest as it has been paid. <P/>I borrowed {$240000.00} at 4.25 % on a 30-year note with a {$1200.00} P & I payment ( excluding escrow as it does not impact this issue ). <P/>My first payment was/is dueXX/XX/XXXX and I paid it onXX/XX/XXXX. On XXXX 's website the payment shows the payment 'Applied Date ' and 'Effective Date ' asXX/XX/XXXX. So from XX/XX/XXXX toXX/XX/XXXX approximately {$460.00} of interest has accrued on the principle balance ( math on this calculation below ). 4.25 % ( rate ) / 365 ( days in year ) x 16 ( days of accrued interest ) x {$240000.00} ( principle ) = {$460.00} XXXX applied the payment showing that {$870.00} was applied to interest and the remaining portion of the payment went to principle. I called multiple times to have my payment applied correctly so that I paid the interest accrued to date of payment, but they are stating I must pay all of the interest for the month which is in violation of Fair Lending laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted a request to Navient to have my cosigner released from my private student loans was was denied because " I failed to meet the eligibility criteria for a cosigner release due to the following reason ( s ) : insufficient income//proportion of loan balances to loan amounts too high//amount owed on accounts is too high ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I was laid off for a while but continuously asked for a deferment every time I asked they gave me an amount to pay not working i could not pay it then i found XXXX called for a deferment they said no I needed to pay a FULL PAYMENT paid it via XXXX XXXX and then called back and said no deferment available because I could pay a full payment. Continued to call over a period of weeks and was told again pay this smaller amount {$300.00} and I could get a deferment then ask to speak with manager and wanted a guarantee I would get a deferment advised no guarantee so i did not pay i was not working had no income had to pay for rent and food for my children then i found work had to wait 3 weeks to get paid called again for a deferment but manager advise no we do not offer deferments anymore at this time just make my payments they have such deceptive practices they lie all the time offering assistance then changing their mind when a customer makes their payment. They are rude and abusive on the phone when they do n't hear what they want. they should be investigated at a lll cost.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CO).
Issue: Unauthorized transactions or other transaction problem

Complaint: I sold an item on XXXX via PayPal and the buyer requested a chargeback with his credit card company for {$2300.00} on XX/XX/XXXX, stating the item was not as described. It turns out he made a mistake and admitted the item was working as intended in writing. He also reversed the chargeback with his credit card company and showed me a chat log, in which the credit card company said they sent a " release transaction '' to Paypal but it was never processed ( XX/XX/XXXX). They sent another release transaction as a follow up but Paypal insists they are still waiting to hear from the bank. In the meantime, Paypal 's credit division harrassed me with calls everyday about my - $ 600+ balance as a result of this chargeback and threatened to hurt my credit score. 

I have called Paypal support for help more than 10 times during this period, each time they say they will escalate the case and get back to me but they have never ever once called me back or emailed me back as they say they would. When I called today ( XX/XX/XXXX ), I was not able to get any help from the support staff. I was met with strong resistance when I asked to speak to a manager, and when he finally relented, he put me on hold for over 30 minutes and hung up before I could speak to a manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient has on many occasions refused to give us the best repayment option.
They have steered us into forbearance after forbearance stating that if we didnt take it our payment would be {$1200.00} a month.     I mention ed IBR and Obamas PAYE and the y told me time and time again that we didnt qualify leaving us no choice but a forbearance.   Even with my husband out of work and my income at {$37000.00} a year they still told me my payment would be {$1200.00} a month.   It wasnt until I threatened lawsuit did they budge and finally give me a decent repayment option.   But now the year is up and they are at it again with the high repayment terms that we cant afford.   For years they have intentionally forced me into forbearance exhausting all my forbearances while refusing me a decent repayment schedule that I could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have requested this debt to be valided and proper documentation provided to support that I was in contract with XXXX and had past due Cell Phone bills. I disagree that I was in contract and that debt was still owed. After 2 years, hours adding up to over XXXX speaking with XXXX as well as RPM no contract can be located ( there was no contract ). At that time XXXX lowered the debt from {$1900.00} to {$1100.00} I continued to dispute as I know I was not in contract and the response from RPM and XXXX was proven incorrect at which point the reason for the debt was changed. They stated that I cancelled during contract I advise I was not in contract and to supply me the contract at which point RMP asked me to supply them proof I didnt have a contract! That is not even possible as XXXX does not exist. When speaking with XXXX they advise that THEY turned me off for non-payment as the amount being reported was higher than if there was a contract cancellation. I provided XXXX with proof that I was no longer with them and transfered all my phones XXXX XXXX and that if THEY were the ones that turned me off for non-payment I would not to this day have the same number. That is when they lowered the amount as stated above. At that point I offered to settle for {$350.00}, I had already disputed this again for years, was verbally abused by the collectors, disputed it with the credit bureaus, sent in a Qualified Written Request, which no response was ever provided and this showing on my credit bureau has destoryed my rating and falsely represents my ability to maintain my credit obligations. RPM stated they would have to get approval. I called back and they advised me XXXX would accept {$400.00}. I asked for a letter to verify that they would be removed off my credit and that we would settle. I waited XXXX business days and called back. Was informed that the account was cancelled by XXXX and Transfered. I asked for a letter in writing stating what has occured and was provided a letter and was told that they would report to the credit bureau as cancelled. I have again spent months trying to get them to update as THEY ARE OBLIGATED TO DO. This debt is not only showing on my credit but now for XXXX different amounts, {$1900.00} and {$1100.00} and dates!! This is a direct example of their business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/17/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Credit determination

Complaint: I opened a Secured Credit Card with Wells Fargo in XXXX 2014 with an initial collateral deposit of {$300.00}. I was told, upon review of my positive account history, my account was eligible for graduation to an unsecured card. I used the card for a year, made my payments on time, if not paying in full, never went over my limit, and kept careful watch over the card. I called Wells Fargo and requested a {$100.00} increase to my credit limit, which required another {$100.00} collateral deposit. I used this limit for a while. 
Last year, I called and asked a banker what was keeping my account from graduating into unsecured, and if it is not eligible for graduation I would like to cancel my card. She informed me to " hang tight '' and do not close it yet as I was " very close '' to graduation. She specifically told me that I should be graduated within the " next two months. '' Here I am a year later, still on the secured card from Wells Fargo. They now tell me that there is no way that they can tell when the accounts will graduate, and that I was severely misinformed by the banker who said I would graduate. 
When I first got the card, my credit score had a few blips on it, all of which were taken care of in the first year of having my card. Since then, I have been able to increase my credit score to XXXX with no collections or late payments on my account. They are now telling me that my credit score is something they take into account, and that may be a reason why they are not graduating me. 
I feel that it is unethical, and possibly illegal, to promise me a credit card will be unsecured " in two months, '' if that is not the case. Now, the phone bankers are eager to try to pull a credit report and get themselves a " referral credit '' in trying to open me up a brand new account. I keep refusing this, as I am not wishing to have a hit on my credit report for their referral credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2017 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: I returned a lease ( XXXX XXXX ) XX/XX/XXXX, the car was sold at auction XX/XX/XXXX in XXXX. The plates were never returned to XXXX by the XXXX XXXX dealership, when the car was sold it appears the plates were still with/on the car. XX/XX/XXXX, I received a parking ticket for the vehicle that I have not owned for 3 years. After contacting the leasing company they issued me a letter stating the above so the court ( XXXX, NJ ) would dismiss the ticket. Separately I contacted XXXX via their Customer Advocacy Office in XXXX, requesting them to mark the plates as lost. They declined indicating I was no longer listed as the owner ( even though the plates are still in my name ) and that request has to come from Infiniti/Nissan. After weeks of back and forth calls with Infiniti/Nissan, they said they will only provide the previous letter issued and advised I should report the plates as stolen. Technically the car was not stolen, but the license plates are being used illegally. I was told Infiniti/Finance checked with their legal department and declined my request, I asked to speak with someone in that department and was told they would not speak with me. I spoke with an attorney and she advised filing a formal complaint as Infiniti is clearly at fault for not returning the plates, or catching that they were still on the vehicle when it was sent for auction. As this was my first lease I did not know that I was responsible for returning the plates since the plates were sent to the dealership upon my purchase of the vehicle. Infiniti finance has closed the door on assisting, when all XXXX is requesting is one sentence be added to their letter. I even checked with the local police department to see if they can assist and they advised it was the responsibility of Infiniti to work this out with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
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: After reviewing my credit report I noticed two inaccurate inquiries on there being reported by Tower Loan in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which Tower Loan did not respond back until after my third certified by mail letter. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my credit reports. Regarding the following inquiries < Tower Loan from XX/XX/XXXX and XX/XX/XXXX > I have disputed these unauthorized inquires for several months with no help from Tower Loan. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I called and spoke with a supervisor who stated that these two inquiries were not authorized by me at all but they needed an update address for a bill. I DID NOT AUTHORIZE Tower Loan to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY NOT!! no reason to pull a HARD inquiry on my credit report without my authorization! Tower Loan's credit department also informed me that both inquiries will be dropping off my credit report in just a few months, they didn't see what the big deal was??? REALLY??? These people were RUDE and very inaccurate on their information that was given to me. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called both companies to let them know I was not the one inquiring about airline credit cards and needed it disputed. I was let known I was not in their system and they could do nothing to help even though it was on my credit.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I Hired XXXX XXXX XXXX to help with my credit, My mother was diagnosed with XXXX and I am responsible for her financially. I have confirmed with the company that they have disputed the amounts of {$620.00} XXXX for a total of {$1800.00} from XXXX XXXX XXXX XXXX XXXX XXXX On Monday, XX/XX/XXXX a letter was sent asking for validation of the debt. No response. I then sent letters to EQUIFAX on XX/XX/XXXX and XX/XX/XXXX asking for validation. No response until I sent a fax on XX/XX/XXXX. Now you updated my report as being reinvestigated. <P/>Under the FDCPA LAW, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30  days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. <P/>At this point its a matter of life or death my mother is the advanced stages of XXXX and this incorrect information being reported to my CR is hurting my family. please remove.

Company response to consumer: Closed with explanation