milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Student loan (Federal student loan servicing) with MOHELA (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Good afternoon, My name is XXXX XXXX, I opened a case with Ombudsman about two years ago ( in XX/XX/XXXX ) in regards to inquiries on my XXXX XXXX and XXXX/Department of Education Loans. During this time, I was provided some incomplete payment details that included an account number that was literally blacked out with a permanent marker, inquiries about payments that were not applied to my accounts ( with my bank statement printed out for proof ), the fact that my Stafford Loan Disbursed balance was showing as a XXXX balance but I was continued to get charged the same amount or more than what I was initially paying on a monthly basis. 

The last email that was sent which was never returned, was on XX/XX/XXXX @ XXXX XXXX. 

I 've seen correspondence in regards to XXXX 's negligence for over charging the consumers and I wanted to make sure that my case was documented as an example. 

For the XXXX/Department of Education payments, my initial balance after my graduation in XX/XX/XXXX was around {$420000.00}, in which I was set up on a payment plan of around $ XXXX monthly being drafted out of my account and Ive never had a late payment since this draft was created. As of today, my loan balance is over {$53000.00} and every time I ask for an itemized statement of events historically ( i.e. how much was paid towards principal, interest, capitalized interest, etc. ) that explains how my disbursements occurred, Im never provided this information in its entirety. I have bank statements to support my claim, but I can never get the holistic balance history for my records. I 've tried contacting the Department of Education locally in the XXXX area for insight, I 've reached out to my Senator via snail mail, and I 've contacted my Lendors multiple times all to no avail. 

I have all of the documentation that was requested from Ombudsman printed out and saved as a PDF document for reference. Also, I have bank statements that shows remittance for each my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: On XX/XX/XXXX I sent dispute letters to Experian about 2 accounts on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$10000.00} on account number XXXX and {$24000.00} on account number XXXX in XX/XX/XXXX. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. 

I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/XXXX and XX/XX/XXXX I received letters back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature. 

On XX/XX/XXXX I sent a dispute letter to Experian about the two XXXX XXXX XXXX accounts stating that after I retained new copies of my credit reports, I noticed that they did not furnish my credit report with required disclosure under XXXX XXXX XXXX, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by placing the disclosure within the required 30-day period.

On XX/XX/XXXX I received a letter back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.

And again with no " notice of dispute '' was ever placed on my account after 30 days.

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 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was denied credit by my bank based on a trans union report on XXXX/XXXX/15. Trans Union will not provide my credit report. I have written them to request my free report on XXXX/XXXX/15 and have the return receipt form the post office showing they accepted the letter on XXXX/XXXX/15. I have uploaded this return receipt. They are still denying me my report. I tried requesting it through freeannualreport.com. They give confirmation questions with info from my file. None of the info for accounts showing opened under my name is mine. When I answer honestly, the site says that based on my answers, they are not able to provide my report. When calling their support line, the call is routed to XXXX, and they do not understand what return receipt is and they do not understand the federal law that says I have a right to my report. When I ask for a supervisor, they hang up on me. They have hung up on me 29 times now. I just want my credit report. Can anyone help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Struggling to pay mortgage

Complaint: from my previous case from bank of America ref #  XXXX . all what bank of America did was send the same paper work again for me to fill out. I have done this twice and sent it back to them with all documents requested. they keep sending me the same exact thing over and over again. they never returned calls and they person you get on the phone does n't even know what is going on with your case or how to explain i t.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim ; his information was used to apply for an account with XXXX/WalMart  without his consent. The account was established and a balance of {$630.00} was incurred and then reported to each of the credit bureaus. A dispute of this account was sent to XXXX/WalMart and a response concerning the receipt of that dispute was sent however we have now reached the 45 business day threshold outlined in the FCRA for the re-investigation to be completed however XXXX XXXX has not been contacted concerning the results of this dispute.

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 11-08-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Payoff process

Complaint: I paid my Citi credit card account in full. Additionally, I had no new charges for the month. Therefore, I would have expected that my billing statement would have a zero balance. But no. Citi charged me interest anyway that month on what they called " residual interest. '' I know of no other credit card company who has this practice. Their explanation was that I had to pay my bill in full not just for the most recent month but for 2 consecutive months to avoid interest. Wow. Talk about taking advantage of consumers! I 'm ashamed for them. It 's simply inexcusable. A sorry way to trick consumers into paying a lot more interest.

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 01/27/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (AR).
Issue: Fraud or scam

Complaint: I bought a netspend debit visa card and they ask for name, address, date of birth, social security number this is a identity theft in the making. And when told NO these people set limits to you which I could not pay an important bill online nor get my money back. Then they tell you they ca n't reverse it. Custom service is poor and keep you on hold for long periods of time ... ..I should n't have to give my social security with all this identity theft out here to use money I put on a card. I 'm very hurt by this I filled ripped off and taken advantage of by netspend

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I request and update on my credit report through the mail with a ( certified mail with receipt ), I have not received any information and it has been over 30 day

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I took out several loans through XXXX in my name for my daughter to help pay for her college tuition. When she was done school and still searching for a job, she kept getting harassed by navient and XXXX. We explained to them that she was not working at the time and that she was not able to make payments. We had a small past due amount and they told us once it was up to date that we could file a deferment. Once we paid the past due amount we spoke with another financial counselor through the company who then told us we were not able to go through a deferment. We were very frustrated and just decided that she would start paying once she found a job. Navient and XXXX called me several times a day, at all hours of the day. They were not willing to work with us on anything. My daughter found out several months after she got a job and started paying her XXXX loan that she was on a loan deferment for three months, but that the company kept calling her multiple times a day harassing her for bill payments! 
She is now paying all of her navient & XXXX loans but is trying to get them lowered, she only works part time and has other loans to pay in addition to this. We called Navient yesterday to see if we could get the payments lowered, and all the representative said was that they can try to lower XXXX of the loan payments by {$29.00}. I also have asked them several times over the phone to send repayment options through the mail, they said they sent them out several times but I never received anything from them. As of now she has to pay navient until 2041. I hope that young adults with student debt will be forgiven from this amount of debt, it is crippling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: I am looking to buy a distressed home owned by Wells Fargo and it has been vacant for 10 years. The reason I am looking to purchase a bank owned home is because of my student loan. Anywho, they wo n't sell me the house, respond to my inquiries nor will they answer my questions about whether they should even have the right to hold the property as an asset when they themselves are in fact bankrupt and do well to hide these nonperforming assets from their balance sheets all in the meanwhile, rejecting hard working citizens from mortgage approvals and a better way of living as decent taxpaying citizens. Wells Fargo has never seen this house nor do they understand the condition of the Home. If I did win this case, I might never make enough money in my lifetime to fix it due to the deterioration stemming from such long term vacancy. I have even tracked down the person who abandoned the property, well at least a family memeber who informed me that they have jet set their way back to XXXX, ten years ago. I am completely sure that Wells Fargo, in question, has never looked at what the assessors office says about the property and do not even realize that the property history shows this house to have been sold for {$1.00} at one point in time. I am merely seeking a letter of recommendation to the land court, [ where I intend to take this consumer protection issue in question ], from the CFPB to insist on the sale of this property for the maximum amount of taxes owed, to increase property tax revenue for the betterment of the State. Taxpayers should be able to find vacant homes that are no performing and be able to flip them or keep them. Is n't that what Reaganomics XXXX & XXXX is all about? Is that possible?

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 07/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: More than 10 years ago I was given many false promises about financial aid and student loans. I was told there would be zero interest. I was told the loans would be capped off at a certain amount. I was told many lies by my school the loan complains and advisors. Now I 'm $ 60,000+ in debt for going to a two year XXXX college that only costs {$80.00} per credit for a two year general studies degree.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Credit card debt) with Capital Management Services, LP (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company sent me a collection letter mid XXXX 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match. <P/>When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with Monarch Recovery Holdings, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am the debtor 's mother. I am handling this because he has been diagnosed with XXXX and can not handle anything at this time. 

However I am willing to pay this if it, in fact, his debt. But there number on the collection notice only gives me a message " All operators are busy at this time. '' No matter how many times a day I try to call. I do n't want to pay it unless I know for sure it 's my son 's debt. They do n't have his name on the collection notice correctly, so I need to talk to someone about it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt never existed. It was a mistake on XXXX end, my account was opened in XX/XX/XXXX and was always paid in full and was officially closed in XX/XX/XXXX. 

The XXXX employee who closed my account never noted my account. It took approximately six months after my new service was initiated with XXXX to finally shut that account down. 

All of this is documented, and was never a collection in the first place. 
I am demanding that this harassment to collect a non existent debt stop immediately and all debts and information relating to this account be removed from my record at all XXXX US Credit Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been paying my debt with XXXX XXXX XXXX XXXX consistently and going by my calculation I have paid more than {$5000.00}. However, whenever I call XXXX XXXX XXXX XXXX to give me the breakdown of what Im paying off they refuse to do that. I would like to know what Im paying off such as attorney fees court fees, and how much is paid toward the balance. 
I believe Im being charged frivolous charges thus why the company refuses to give me the breakdown of the balance. I have contacted the company for many months and they keep telling me that they can only send me the total balance without the breakdown. 
Attached I the letter they have send to me every time have called but it doesnt help me without knowing the breakdown for fees and changes they are charging me. Please help me regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I signed up for a new checking account with Citibank while they were offering a {$400.00} bonus. I met all the requirements for the promotion and I was told it could take up to 90 days after I met the requirement to receive my bonus. It has been more than 90 days since I met the requirement and I have not received the bonus. Three phone calls and one email chat with Citibank and they tell me I have met the requirements and I should have received the bonus but I will need to wait until the back office is able to review the information.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XX/XX/XXXX I I took out a 60 month auto loan with capital one for {$15000.00} which was paid off in full ( early ) on XX/XX/XXXX. I have been fighting with Capital One over the last few years because they removed this loan and all tradelines off my credit reports. When removed it was in positive statues as " positive report '' shows. 
Everytime I dispute either to capital one or CFPB Capital One comes up with another excuse. 

The last excuse given last week stated this was deleted and removed under the seven year delinquency rules because it was a bankruptcy loan. However, this is in accurate and another bogus excuse for several reasons : 1 ) When this was removed it was in positive status and reflected so in " positive report ''. A Also On XX/XX/XXXX XXXX the supervisor with capital one at XXXX XXXX XXXX confirmed on a recorded call with himself, myself, and XXXX from XXXX this account was in positive status throughout its life. 
2 ) This was not included in any bankruptcy and outlined in " bankruptcy details '' 3. Even if Capital One wanted to use this 7 year negative excuse the loan was paid off on XX/XX/XXXX making 7 years XX/XX/XXXX which means regardless it should still be reflecting on my account BUT since it was a positive paid in full and early loan it should reflect so until XX/XX/XXXX. 

If capital one does not make the necessary changes and report this loan to all 3 credit reporting agencies I will take further action upon their response with a private attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (I do not know) with Colony Brands, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is an unknown item listed through Swiss Colony which I have no idea what this is. Disputed, requested validation and of course nothing received but still is listed on my credit file. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Did not receive a bill. But this should have been sent to my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Payday loan debt) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX of Attorney XXXX XXXX office has repeatedly called and harassed family members asking for my contact information, even after I have left several messages not to contact anyone, or to contact me at work or my cell phone # for a debt I allegedly owed. I asked for validation of the debt and no response. They continue to ignore my requests and I am not sure what else to do make them stop. I am concerned they will continue to harass family members, friends and continue calls to my place of work.

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