milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient provides inconsistent, and incorrect information associated with the income based repayment plan ( IBR ), refuses to accept documentation for the annual renewal of the IBR plan, and withholds correspondence in regards to IBR plan until after deadlines have passed. This is the second year in a row that annual renewal of my IBR plan for loans serviced by Navient would have ended due to these issues. It required contacting and requesting processing of IBR documents several times, along with Navient demanding multiple re-submission of IBR renewal request and documentation, and the request was not accepted or processed until after the submission deadline had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Balance transfer

Complaint: On XXXX XXXX, 2016 I request a XXXX balance transfer to my checking acct. After not having received the transfer a week later, I contacted Citi to find out that a check had been mail instead. I received the check XXXX XXXX, 2016 and deposited the into my B of A checking acct, it cleared the following day. On XXXX XXXX, 2016 Citi did a charge back on my account, took the XXXX back, which spiraled my bk account into a negative balance. 

After contacting customer service and the exec office of consumer complaints, I 've been told that a stop payment was placed on the check, but no one has answers as to why, and I 've been told that they will not have any answers until they review the customer service calls on XXXX XXXX, 2016. Meanwhile, my account is in a negative and B of A continues to charge nsf fees on unpaid negative balances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: We mad a payment to Ditech for our mortgage and the mortgage company put our payment onto someone elses account. This payment was done over the phone with a conformation number given. This payment also shows a debit out of our checking account. We have been in contact with them for 4 months about this and they say they are taking care of it and have not done so. It is still showing that we did not make our XX/XX/XXXX payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have repeatedly tried to get the issue resolved of a XXXX payment for a year. They originally gave me my money back, then took it away causing over 1000 dollars in the negative. XXXX records show that they still charged the owner of the account the funds they pulled from my bank. I've tried getting them info from XXXX and they never seem to notate my account or resolve the issue. I've waited a year for them to fix this.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed several items on my credit report. I sent an initial correspondence disputing several items. I received a response from the credit bureau stating that they verified some of the items I had disputed. I replied with another correspondence requesting the specific method of verification. The credit bureau  ( EXPERIAN ) re plied to my correspondence stating that my letter was not legible. I 'm not sure how that could be when the letter was typewritten just like my previous correspondences. I would like to know what certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as a part of the investigation as required by the Fair Credit Reporting Act : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke with the creditor? What is the position of your employee that spoke with the creditor?   My name and reputation are at stake and this reporting has caused great financial distress. I need the bureau to provide the above information, so I can conduct my own   investigation and verification process with the alleged creditors.
Below are the items I disputed and requested the above referenced information for, so that I may c  onduct my own investigation.     1.   XXXX   XXXX   XXXX  , truncated account #  XXXX  on credit report, reported balance {$1000.00}  2.    XXXX   XXXX   XXXX  , reported balance {$9400.00}, partial account number (  XXXX  )  3.   XXXX , truncated account number  XXXX , reported balance {$2200.00}.   4.  XXXX , truncated account number  XXXX , reported balance {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is mis-representing the age of a date and are trying to Illegally re-age a debt by incorrectly reflecting the date of the original debt. A dispute was done with XXXX, XXXX and XXXX. XXXX saw the dispute as accurate and removed it from my report. XXXX XXXX XXXX is stating that the debt was opened in XXXX XXXX 2016 and the debt is older then that. Due to their shady and illegal business practices, I feel this claim of debt by them is unsubstantiated, unfair and is inaccurately reported. I am supported by the fact that XXXX agreed and removed the collection from my report. Furthermore, XXXX XXXX XXXX XXXX has made several harassing and inappropriate calls at all times of the day and night and all days of the week, outside of what is legally acceptable. XXXX XXXX XXXX has not provided proof of the original debt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Federal student loan servicing) with Xtreme Products LLC (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I was ill for a couple years and had to leave school and was unable to work. I have been getting my loans deferred and I was told I had submitted all the proper paperwork and they were deferred and not to worry. Now they are all of a sudden on my credit and I ca n't get a loan for a car so I can work, I ca n't purchase a home. These people lying to me wrecked my life.They took thousands from my refund this year and nobody told me anything. If I knew that they were gon na  XXXX  me, I would have tried to figure something else out, but I was told they were DEFERRED AND I WAS OK?!?!?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car title loan with  XXXX   XXXX  on a  XXXX   XXXX   XXXX  i n 2013. I l ost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX   ,   XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted  XXXX  that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent  XXXX  ( to the address on my credit report  ) 2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your 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 08-10-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Cash advance

Complaint: JP Morgan Chase Bank will not allow me to set the cash advance limit for my credit card at {$0.00}. They lowest they say it can be set at is {$100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Other

Complaint: Hi, I made a payment to Capital One, my credit card company, on Tuesday XX/XX/XXXX with my debit card, over the phone, the way I usually do. 

They still have not presented the payment to my bank, it is now a week later. 

It seems clear that they are holding this payment until after XX/XX/XXXX because they hope that my bank account will not be able to cover the payment and that I will then have charges and a higher interest rate to pay. 

Is this a new way the credit card company has found to increase its revenue, Can they be doing this to others as well? 

When I called customer service they said the had the right to hold my payment. 

Are they allowed to do that, it seems that they should have to present my payment to my bank within a day or two of it being made.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (AZ).
Issue: Money was not available when promised

Complaint: I was trying to wire money from Wells Fargo Bank ( WFB ) in XXXX, Arizona USA to XXXX XXXX , XXXX XXXX . It finally got there after three weeks plus. A similar wire from another Arizona Bank to XXXX had taken a couple days. 
The confusion and incompetence at WFB were unacceptable causing XXXX and loss of money.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX-auto Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX

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 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: XXXX  one will not work with me and my hardship. They made process harder and more costly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to pull my free credit report from XXXX XXXX XXXX for Experian and got the following error : A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form.

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 04/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (UT).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was informed that my account was closed due to a returned ACH payment, but if I made a valid ach payment for {$320.00} on  XXXX   XXXX  my account would be re-opened, I made that payment and followed u p 2  weeks later only to find out that my account still was closed and I was given inaccurate information. They encouraged me to apply for a new account, which was n't the terms of what I was told. Walmart credti card then opened a case to investigate yet still could not open the card On  XXXX  I requested that my account either be re-opened or the {$320.00} payment returned to me as I made that payment under false pretenses. However I was told this is not 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 04-09-2015 about Debt collection (I do not know) with DCQ LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We had a credit card terminal that was presumed to belong to us. We paid {$100.00} for it back in XX/XX/XXXX. We quit using XXXX XX/XX/XXXX, but they say they never received notification the we ended. In XX/XX/XXXX they contacted us about returning the machine or pay {$450.00} for the machine that I thought we already owned. We said we would return the machine. 
We shipped the machine out and they received the machine on XXXX/XXXX/XXXX. We have been getting call after call from XXXX XXXX of Oxygen Recovery Group about a {$500.00} debt owed to Merchant XXXX. I call XXXX at XXXX XXXX at XXXX and he tells me it has been taken care of. XXXX will not call XXXX to verify, he just keep calling me. I told him and XXXX last time that if I ever heard from them again I would file a complaint and maybe sue them. Well today I get a letter from Oxygen Recovery Group again telling me I still owe and to pay or they will report to the credit bureaus. 
I WANT THIS HARRASSMENT TO STOP IMMEDIATELY. 
XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Bayview Financial Loan Servicing is a predator debt collector. 
An unsecured SBA disaster relief loan was paid in full in XXXX. In XXXX of XXXX I received a re-instatement letter from Bayview Financial Loan Servicing for a commercial loan for a property with no address in XXXX ( I have never lived, worked or owned anything in XXXX ). and there was {$240.00} delinquent on the loan. I called the SBA loan dept and they told me the loan was paid in full with no outstanding balance. I explained that to Bayview Financial who in turn placed a charge off on credit report and repeatedly refused to remove it. Now as I am trying to refinance my house and I can not with this derogatory issue on my credit report - it states it is a real estate charge off. When I called again to dispute it, the supervisor at Bayview stated they now have found another new charge off for the same loan with a new amount of {$590.00} that will now be reported to the credit bureaus. The credit bureaus report whatever is given to them no matter how incorrect or wrong it is. This is absolute extortion and Bayview has no one to account to.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed XXXX unauthorized inquiries on my Equifax Credit Report. The other XXXX reporting agencies removed the inquiries after a properly and timely investigation. However, EQUIFAX whose in the habit of pleasing creditors, refused to perform the required investigation. I submitted my dispute on XX/XX/2016 and it completed its investigation on the day, citing " Inquiries are a factual record of file access ... '' and therefore, refused to investigate the unauthorized inquiries. I read online XXXX complaints from other consumers who experienced the same issues with EQUIFAX when disputing inquiries. This agency should slap them with a lawsuit to cease and desist them from doing that

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Credit card) with LTD Financial Services, LP (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XXXX XXXX XXXX, I received a letter from LTD, stating " Thank you for your payment arrangement. '' Neither XXXX nor I had made any payment arrangement with this collection agency. We called XXXX XXXX at XXXX and denied such arrangement. She passed the phone call to a XXXX XXXX XXXX agent. We informed both the XXXX XXXX XXXX and LTD that we did not have a XXXX XXXX XXXX card, neither did we ever give permission for this collection agent to enter our account. LTD has removed from my bank account from XX/XX/XXXX-XX/XX/XXXX at least $ {$1800.00}. Although in my XXXX years I had not applied for my Annual Credit Report, I did immediately. It was then that I discovered that someone had maxed out XXXX credit cards beginning in XXXX. I applied through the Federal Gov. Identity Thief to take steps to remove all these fraudulent cards from my credit. I have an official XXXX County Police Report. I have also submitted a report through you of a complaint with the XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. Since I was unable to submit the actions of XXXX XXXX XXXX 's relative to the collection agency LTD I am submitting a second request. Although XXXX XXXX XXXX has withdrawn itself from my credit reports, XXXX XXXX XXXX has ignored my requests for my financial repayment. I have sent numerous letters, with identification, including official police reports. This has been very XXXX -- including XXXX XXXX. I thought I had excellent credit only to find out someone had stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I found items has been reported to my credit history that 's not even belong to me and those items has damage my credit and my financial life

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: MY COMPLAINT IS WITH NAVY FEDERAL CREDIT UNION THEIR WAS A CREDIT CARD OPEN IN MY NAME THAT I DID N'T OPEN WHEN I CONTACT NAVY FEDERAL TO FIND OUT HOW THIS HAPPEN THEY FROZE MY ACCOUNT CLOSED IT SO I WOULD N'T HAVE ACCESS AND THEY SAID THEY CHARGE IT OFF BUT NEVER SENT IT TO COLLECTIONS I WAS TOLD THEY HAD ME ON TAPE GETTING A CASH ADVANCE OFF THE CREDIT CARD IN QUESTION WHICH I NEVER DID

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CARRINGTON MORTGAGE SERVICES, LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Carrington Mortgage Service consistently will report my loan delinquent 60  days even when my loan is current. My XXXX and XXXX payment was received on XX/XX/XXXX, however, as of XX/XX/XXXX my credit report still shows as 60  days past due. I am current on my mortgage, however, Carrington continues to report my mortgage a past due which is currently affecting my credit rating and making it very hard to improve my credit score and obtain credit. I have used XXXX XXXX and XXXX XXXX offered via XXXX XXXX to monitor my XXXX and XXXX report.

Company response to consumer: Closed with explanation