milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I basically asked if I could lower my payments and a Navient loan servicer stated you cant because ur curent. He stated u could let it go delequent then to a forebarance. Some of there loans had combined with XXXX XXXX and were sold to XXXX XXXX loans. I had lost track of them for a while as i didnt pay on them for around 2 years. I then when on rehabilitation programs and am current on them, but its a struggle to pay bills, rent, and feed myself properly sometimes. <P/>
I owe around 15000 on these bundled Navient loans. The payment is extreamly high at XXXX a month and currenrly in the process of lowering my XXXX XXXX Loans ( some were served my Navient at one point but ive lost track and need to call them on that for details ). I owe a total of XXXX where they were about to charge me over 250 a mounth if i hadnt stopped it and tried another option of repayment. Im deff lost on what my options are. Its as if they expect u to just guess which options best. Icome driven or loan forgiveness. Trying the income drive process with XXXX XXXX at the moment, but Navient just clearly said no on that even when I told them about my XXXX XXXX loan. They may be waiting on that process to know my min payment. They were deff not clear on what i could or couldnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Medical) with Financial Data Systems (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Financial Data Systems, LLC is a collection agency for XXXX XXXX XXXX. XXXX did not file the appropriate medical claim to my insurance carrier for payment for date of service XXXX/XXXX/16. This visit was for an emergency room visit and all charges should have been submitted to my insurance carrier for payment. XXXX 's charges are for {$160.00}. FDS reported said amount to two different credit agencies after agreeing to remove said debt from my credit file. They stated that their client had been provided the correct insurance information. My insurance carrier contacted FDS and XXXX to insure that the correct information had been provided. My insurance carrier has yet to receive a claim and this negative information is still being reported to my credit file for an amount I do not owe. FDS has not complied with their original statement to remove this debt. They have been informed on several occasions that this debt should.be filed with my insurance carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I moved out an apartment complex the XXXX apartments in XXXX Texas. Gave XXXX 60 day notices and left on my move out date which was XXXX/XXXX/2013. They apartment lost my first notice so so gave them another which was sign by their leading agent.Now the apartments lied and said I moved out on XXXX XXXX which was n't true and that stated that a 60 day notice was n't giving and I did, so now I have over XXXX that 's for collection and that 's not correct. I have a company of my lease and my 60 day notice. I even spoke with collection persons about the issue which he claimed he would send me papers to my current address, he never did and I was put up for collection and the consumer disbute it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2016 about Debt collection (Medical) with Northwest Collectors Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The XXXX XXXX billed the wrong insurance company in my medical file the collection went to Northwest collectors. I called them numerous of times and the XXXX company sent them a statement for them to remove it, they refuse to do so.and they are rude and nasty and hang up in my face. I want them to pay me for pain and suffering and also for hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Southwest Credit System c alled around  XXXX   2017 , stating that I had an outstanding balance from  XXXX . Around this same time I received documentation from  XXXX  stating that equipment has not been returned and that the large bala nce (  {$700.00} plus dollars ) can be due to the result of equipment not being returned.  XXXX  was contacted shortly thereafter and informed that the equipment was sent back and should be in their possession.  XXXX , later states that the balance is due to nonpayment, not equipment.  <P/> On  XXXX     2017, Southwest Credit System re ported me to the Credit Bureau for {$230.00} which was already paid in full. Also, at no time was I given a bill of {$230.00}.  <P/> On  XXXX   XXXX ,    2017 Southwest Credit System was c ontacted and informed that the report of {$230.00} should never have been reported to the Credit Bureau. They were asked to remove/delete this negative reporting from my credit report, but refused. I am asking that this negative reporting be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I can not dispute. I have tried to do this several times online and it keeps failing. Trans Union is the XXXX and only XXXX that does not work online. I keep getting an error message. I called TU and they were no assistance, wanted me to send something in writing. I am not. I went to TU site through the Free Annual Credit report site setup by the government to help with exactly these bad practices. I would like free access online to my report and to the Dispute Process. Or someone from TU to call me and walk me through it on the phone step by step. If they can control my life with bad information then I should be able to demand assistance without hassle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently discovered that this company was reporting a collection with account number XXXX on my credit reports. For quick resolution, I contacted them and offered to pay the debt if they deleted it from my credit reports and they agreed. Now that I have paid the debt they are refusing to remove it!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I purchased a mattress at Macy 's in XXXX XXXX, CA on XXXX XXXX, 2016. The mattress was too firm and we called the salesman on XXXX XXXX, 2016 and requested an exchange to a less firm mattress. The salesman, XXXX XXXX XXXX, told us the cost to exchange was {$220.00} and charged our account over the phone. When we received the bill in the mail today, XXXX XXXX, 2016, the charge was well over {$400.00}. We agreed to the price difference of {$220.00} verbally and the charge was for a far greater amount. We have been mislead and deceived.

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 12/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Money was not available when promised

Complaint: I am currently residing in XXXX but I got my driver 's license in XXXX. I used my XXXX driver 's license to verify my Account with CoinBase. CoinBase is stating that XXXX  does not support Coinbase and my account is suspended indefinitely. I was not actually in XXXX during anytime I have held an account with them. Their help page states to withdraw all currency, however, I am unable to access the option to withdraw my money. I do not have access to any of the XXXX dollars that I had invested with them. This is very distressing and any help that you can provide will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX/XXXX  :XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I have called each credit agency as well as creditors and nothing has happened

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 04/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I just noticed that there is an address listed on my account, at which I 've never lived. It 's listed as XXXX XXXX XXXX XXXX XXXX tn XXXX. This city is close to where I live but I 've never lived in XXXX before. I did have my identity stolen quite some time ago, but I 'm not sure if this might have anything to do with it because it was so long ago. Any assistance or insight you might provide would be much appreciated. Thank you.

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 03/17/2017 about Debt collection (Credit card) with ASTA FUNDING INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from XXXX stating that I own over {$28000.00}, It may be for a credit card. I do n't have credit cards for the last 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: TRIED TO OPEN BANK ACCOUNT AND XXXX SYSTEMS REPORTED THAT MY SOCIAL SECURITY NUMBER COULD N'T BE MINE GIVEN THE SEQUENCE OF NUMBERS WAS AVAILABLE FOR ISSUE IN XX/XX/XXXX IN NY, HOWEVER, I WAS BORN IN XXXX MARYLAND IN XX/XX/XXXX NOT NY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My husband added me as an authorized user to his bank of america credit card account back in XXXX of XXXX. They asked for my personal information including my social security # to issue me the credit card. The whole idea behind adding me as an authorized user is to help build my credit. It is now XXXX and it still is n't being reported to my credit report. This is hurting my credit score because I am missing revolving credit history when in fact I should have history from XXXX XXXX and up showing I pay this credit card on time every month. I have repeatedly called them and submitted a complaint internally to bank of america and they sent back a form letter stating it is being reported which is clearly untrue. No one seems willing to help me there and I feel powerless. I am trying to buy a new car next year and this is really going to hinder me from doing so. I have included the letter they sent me which has the account information on it. Thank you.

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 05/25/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (IA).
Issue: Application, originator, mortgage broker

Complaint: This company is trying to say they have a loan on my house. Ocwen personal and confidential : XXXX XXXX, XXXX XXXX PA XXXX. My loan was written off by Litton Loan ... and there is a class action Lawsuit against them. Ocwen is now on my credit report ... starting from the time they say there loan started This is my second report. They also have class action lawsuits against them. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Medical debt) with Olson Associates PC (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was informed of a pending garnishment, prior to that i was contact by a scam artist that told me about the debt. I have contacted both parties to gather more information. They say that i have been sent everything they have. I asked for the fees in writing and i was told that is not a option. According to Olson Shaner I will be garnished for this amount that i am disputing. This debit is form 2008, it has taken them almost 9 years to collect. I have tried and tried to gather as much information i can about this debit and yet all i have is a dental ledger and some notes. Company is not willing to assist me with any other data. This is not listed at all on my credit report anywhere. I have attached the document in which they say i owe.

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 01/21/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (MD).
Issue: Trouble during payment process

Complaint: I purchased my house on XXXX 2016, and when i purchased the house i was given an impression that i have to stay with my home insurance company or there will be a problem with my mortgage approval, but the insurance company was asking me to register my vehicle as well or my insurance will go way too high. i forced to get the home insurance through my private insurance company since it was affordable and i was very clear to the mortgage provider that my insurance should not be paid through my escrow but after a year i found that they have been paying home insurance through my escrow, while i was paying my private insurance separately. Since i found about it my loan care is ignoring my emails and i am not getting any answers from them.

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 03/30/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: As promised I paid the settlement amount and they did not uphold their part which was to delete it from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Bank account or service (Savings account) with U.S. BANCORP (OH).
Issue: Deposits and withdrawals

Complaint: My saving account was closed and XXXX opened another checking account. I received a letter XXXX letter sent XXXX ) stating it was closed because of over use. I transfered moneys from saving to checking. I went to the bank and they closed the second checking and opened another saving. I was told I had a small window of time to change my direct deposit to the other account, but my payroll check will still be deposited. Well today XXXX my payroll check was not deposited and I have direct bill pay set up. and no money in my account. I called my company pay roll and was told they wo n't be notified until Tuesday that the money was returned and a paper check will be issued and sent XXXX. I talked to the bank they will credit me the return check charges, but no overdraft protection till I can deposit the check. When I called the bank this time XXXX I was told there were no notes on my account and the bank ca n't open another account with my ok. Well they did!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had acredit card with capital one and i was pay in time every month and every thing was good, and on XX/XX/XXXX i reopened checking acount on XXXX XXXX i had it before but with new acount number and the same routing number, and when i caome to pay the bill of capital one on XX/XX/XXXX iput the old account number of the chase account because the customer service on XXXX XXXX print the old checking deposit statment .not the new account. So capital one returned the payment and when i got the mail from capital one i contact with XXXX XXXX  and they gave me the right deposit statment and at the same day i paid the bill again on XX/XX/XXXX and its still was n't late payment but i found capital one closed my account with no reson

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I am the victim of " XXXX Financial Abuse '' and I with this application through your Bureau attempting an approach to the XXXX, Wells Fargo Bank , NA, XXXX, TX, of my taken Trust Funds, also houses the account holder, that has possession of estimated amount of {$170000.00}, of our trust money. And want this bank, since it is the 1st party that accepted the deposit, bank to bank or wire transfer, to send it bank to our Trust Holder bank which is XXXX, XXXX, CA.

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 05-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/16 a late payment was processed through DITECH CO for XXXX ( my XX/XX/XXXX payment and made a future dated payment for XX/XX/XXXX which would have been drafted XX/XX/XXXX. On XXXX/XXXX/16 a web bill pay was made through my bank in the amount of XXXX to GREENTREE SERV TYPE ( this was a Payment that should have been stopped by my bank since a cancellation was requested on XXXX/XXXX/16 because I made a payment directly through DITECH CO., my bank XXXX XXXX XXXX said they were unable to stop it because it went through as GREENTREE. ) due to this mistake my account became overdrawn. I spoke with DITECH CO on XXXX/XXXX/16 who agreed to return funds within 4-5 business days. This was not done. After numerous calls made to get the funds and getting the run around it was now XX/XX/XXXX. I told the representative to keep the funds and apply to my account for XX/XX/XXXX payment since we are in XX/XX/XXXX now. They said ok. 2 weeks later I get a notice of default because my XX/XX/XXXX payment has not been paid and I 'm still owing on XX/XX/XXXX payment ( which is lost by them in the first place ) so I call back and spoke to XXXX who said he will take care of it personally and advised me to make my XX/XX/XXXX payment in good faith that XX/XX/XXXX will be resolved. So I did. Now two more weeks later I called them because I 'm getting ready to pay XX/XX/XXXX and they still are saying I 'm behind a month and keep giving me the run around. They told me today I have to wait 30 more business days. I just want somebody to help me get this resolved because I am being given the run around and my credit is being affected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of identity theft. Fortunately I caught it early and reported it. I had a fraud alert put on my credit report. The credit card company sent letters saying this was fraud and shut down the accounts. I filed a dispute with Equifax and the response i got back was the inquiries were " factual ''. Their dispute process is horrible, if its a dispute does anyone look at it? They just send you a form letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing disputes

Complaint: I received this card and because the rate was very high I returned back to bank and ask them to close this account. They did but never sent me a billing statement. I do n't do paperless statements so therefore I never requested this service. I decided to check my e-mail today and I saw this letter. I did call in and spoke with XXXX reps and XXXX supv but we did n't make it pass the verification even after coming through verified by automated.

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