milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Realtime Solutions is reporting the following late payments on my credit report. 

120 days past due as of XXXX XXXX until XXXX XXXX and 180 days past due as of XXXX XXXX until XXXX XXXX. 

This is not accurate and is damaging my credit. I have disputed this before but my disputes were ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am a XXXX veteran and was attending college at XXXX University when I applied for veteran 's benefits with the Veterans Benefits Administration ( VBA ). I was determined to be eligible for veteran 's benefits. VBA concurred with my new career choice and training to achieve my employment goal. Therefore, VBA assumed financial responsibility for supporting my college training to include conducting a retroactive induction into training which covered financial responsibility for college training I had already completed in relation to my " XXXX appropriate '' career goal. VBA paid XXXX University for my training pertaining to my XXXX of XXXX. XXXX then returned these funds directly to the Department of Education and my student loan balances were cleared from my Federal Loans. Navient then placed these loans back onto my account. Despite ample evidence that these monies have already been paid, Navient continues to insist that since the funds did not pass through their hands, to clear my loan debt I must again pay these loan amounts to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Problems caused by my funds being low

Complaint: Insufficient fund on my account which a stop payment was issued and approved with the bank I reported to the federal reserve today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The credit reporting agencies are in complete control of our personal business lives, yet they have no accountability, no customer service, etc. Esperian is the worst of XXXX. I try to get them to update my report and I talk to someone in XXXX. This economy is based upon consumerism. It should be easier to update credit reports! 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Payday loan, title loan, or personal loan (Installment loan) with Self Lender Inc (MS).
Issue: Problem when making payments

Complaint: Upon reviewing information regarding my Self Lender loan I noticed that I had a pending transaction that I did not authorize on Friday, XXXX XXXX, XXXX in the amount of {$50.00}. On Tuesday, XXXX XXXX, XXXX I did authorize a payment in the amount of {$48.00}. So I called my bank to determine if they had a transaction pending from Self Lender in the amount of {$50.00} and they could not find the pending transaction that was listed on my Self Lender account. I also learned that my account was overdrafted because of a withdraw from Self Lender. So I then called Self Lender 's XXXX number to have the transaction stopped because I did not authorize the payment on XXXX XXXX and did not want to pay any additional fees. I was put on hold for over 10 minutes twice and the phone call was never answered. I contacted someone on chat on the website and received an answer. While speaking the XXXX ( I believe ) I was informed that a transaction could be pending for two to four business days before it is withdrawn from your account, that it could take up to seven day for it to update on the website and that the transaction could not be canceled before the representative rudely disconnected the chat message with me. When I attempted to use the chat again it says that it was unavailable and the office was closed. This is the second time in a row that Self Lender has held a payment until my account balance is low and attempted to withdraw funds. I believe it is in an effort to collect late fees and insufficient funds fees.

Company response to consumer: Untimely response
Consumer complaint received 10-06-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other fee

Complaint: I am a Macy 's credit card holder. Macy 's has a policy even if you pay off the balance in full before the next billing date of continuing to charge you small fees. Usually in the $ XXXX range. I fell for this once thinking I was a day or two late. Over the past year it is continual. If you call and go round and round ( and never being able to talk to an actual person, you will get a prompt, are you disputing your latest finance charge? Press XXXX for yes. I do. Then the voice says, as a customer courtesy, Macy 's will remove the charge. This is not a courtesy. I paid before the next due date. I should not be getting these small bills. I wonder how many other people keep paying this fee trying to get rid of it or how much money Macy 's makes over XXXX card holders every year? This practice should be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: On XX/XX/XXXX Navient forced me to put my XXXX private student loans into forbearance, 2nd time. When I called to ask what kind of options I had, as I was down on my luck, they told me the only option I had was to put my loans into forbearance. I would have to pay {$50.00} per loan ( XXXX loans makes {$100.00} ) and I only had 3 months. After those 3 months I could either begin paying again or I could continue in forbearance for another 3 months. I was only allowed to do this twice. After 6 months I would begin paying my loans again. During the time of forbearance I would continue to accrue interest. Navient added capitalized interest of {$870.00} on XX/XX/XXXX and {$880.00} on XX/XX/XXXX for a total of {$1700.00} + {$200.00} ( Money paid to put loans in forbearance ) = {$1900.00}. Before submitting my complaint I started to look over my account. Let 's take a step back to the beginning when I began paying my student loans, on XX/XX/XXXX, I find out XXXX XXXX at the time, on XX/XX/XXXX, {$7100.00} of capitalized interest was added onto my loan. And then another {$2200.00} of capitalized interest was added to my loan on XX/XX/XXXX, that 's an extra {$9300.00} added to my loan before I even get started. When I first began paying my student loans ( XXXX total ) my payments were well over {$500.00} with interest rates as high as 13.625 %. It 's hard to make student loan payments that high with a culinary arts degree from a college that is no longer open or relevant. Per their website XXXX XXXX XXXX, XXXX XXXX XXXX is no longer accepting applications as of XX/XX/XXXX. I 'm sure you guys are real familiar with both Navient and XXXX XXXX XXXX as they have both been in the media, and I 'm sure I 'm not the only XXXX submitting a complaint on either of these companies. 
Over the past 13 years I 've had a total of XXXX different loans with sallie mae and navient combined, with interest rates ranging from 2.770 % to 13.625 % and payments ranging from {$400.00} - {$600.00} a month with no repayment options because navient wo n't work with me. I currently have XXXX private loans left valued at a total of {$47.00}, XXXX at 7.5 % ( variable ) and my estimated payoff date is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CT).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Barclay Bank Card Company bill ed for a charge on a  XXXX   XXXX   XXXX  card I never received and never activated. After many complaints the company terminated the card and the charge. It did not remove the entries from my credit record despite my requests to do so. BUT, I applied for another different card at  XXXX   XXXX , and it turns out this same compan y ( Barclay ) services that card also, so my application was denied for the reason that Barclay has flagged my account as delinquent or something else stating I did not pay a balance ( it must mean the service charge on the old   XXXX   XXXX   XXXX  , which Barclay waived because I never received or ever activated that card ). I have an excellent credit score in the  high  XXXX  's and good credit. This is unfair and will limit my obtaining future cards from a lot of places serviced by  Barclay  Bank.

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 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Delray Capital, LLC (NM).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I got a phone call from a woman from Del Ray Capital saying i took out a payday loan from the cash store. They told me they were an installment loan place. the lady told me i was going to be charged with a misdemeanor and go to jail as well get sued. she got very nasty with me yelling at me and reading stuff off of my credit report. she called me at my place of business i asked her not to and she said they could do whatever they want. I asked her to mail me documentation on her allegations and she said no she would just have my county proceed with charging me. I know my rights but for someone who doesnt know this could have been very scary. the amount she said i owe is more than XXXX of what i borrowed. i did make payments towards it when i got it as well. I hope they are investigated and learn that you can not talk to consumers in that way. threatening is no way to collect a debt, i worked collections for many years. i asked to speak to a supervisor and the rep proceeded to tell me she was the owner of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: Today I went into a branch and spoke with XXXX XXXX [ XXXXXXXXXXXX ]. I wanted to close my TD Simple Savings Account ( Acct. No. ending in XXXX ). XXXX XXXX advised that she closed the account but I am not confident that the account was closed and that I will no longer be charged any further fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from XXXX  or Trans Union. They were supposed to respond within 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 11/15/2016 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently pulled my credit report and noticed a collection from Midwest recovery systems. I have never been notified by this company about an outstanding debt, they just placed a collection on my report. The original creditor shows as rockford and after research I see its for a payday loan in 2011. I have never had a payday loan. I sent in a request for validation and Midwest never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (AZ).
Issue: Other service issues

Complaint: This is a follow up to complain case # XXXX. 

PayPal closed my dispute without resolution and by making deceptive statements. I never was able to claim my money that was transferred which is the root of this complaint. PayPal called me once on a Saturday and left me a message. I was not able to retrieve the voicemail until the following week upon which I learned PayPal closed my dispute via snail mail two days after the left me a voicemail. They never emailed me ( my preferred method of contact as previously told to them ). They also offered no explanation as to why my original two emails to them asking for help went unreturned. I was told the reason I could n't claim my money was that my cell phone number had not been confirmed. However according to the PayPal mobile app, the number is confirmed. When I log into the website, I attempt to " re-confirm '' my cell phone number and nothing happens. The PayPal website deceptively and unfairly tells me they will text my phone with a code to confirm my number but the text never comes through. I did however, receive a text from PayPal stating that the money was not claimed fast enough and they returned it to the sender. 

I request that 1. PayPal 's marketing claims on their website be investigated as clearly they advertise a higher level of technology than they can deliver. 2. PayPal 's mobile app discrepancies be investigated as clearly the mobile app which I relied on provided false information regarding the status of my cell phone 3. PayPal 's complaint process be reviewed as they did not give proper time to respond to their voicemail ( 1 business day ) before closing my file and returning the money I was sent to the sender. 4. Pay Pal 's email address be removed from their site since they do not respond to emails, it is clearly on their site just for marketing purposes to offer consumers false faith in their brand that they can email should something go wrong. At this point I believe PayPal can remedy the situation by crediting my account the amount that was lost by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: This dispute deals with Bank of America dealing with XXXX. XXXX was not able to receive a payment from BOFA. BOFA stated the best thing to do was to file a dispute to get the money back in my account and pay XXXX. While filing this dispute BOFA contacted XXXX and had a payment reversed from a completely separate account. This resulted in the account being closed and put into a delinquent status. The other account with XXXX still has not received their payment. I have contact BOFA and spoken with online chat support, fraud department, claims department, customer service. I have contacted XXXX and they do n't have a solution either, they say it 's all an issue with BOFA system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am submitting this complaint about XXXX credit reporting agency and  transunion credit reporting agency. I have been disputing an account XXXX XXXX XXXX for months now. XXXX finally deleted it off my credit report today. It is an account that has fraudulent charges that I had reported. This account does not belong reporting on my credit report and transunion and XXXX are still not deleting it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My youngest daughter, XXXX, broke her wrist this past winter. During the course of her treatment, there were times that my dad, had to take her to appointments as both her father and I had to work. I filled out all initial paperwork and indicated that I would be responsible for all billings associated with her treatment. I provided our home address and home phone number as the only contact information. 

I paid all bills that arrived in the mail and thought that I had taken care of all treatment costs associated with this break. However, my dad received notification that there was a physician bill that had not been paid and it was in collections under his name. 

I immediately called the provider, now XXXX XXXX XXXX XXXX ( previously just XXXX XXXX ) to find out what happened. I spoke with a XXXX in XXXX XXXX XXXX on XX/XX/2016 regarding the matter. She noted that XXXX had tried to mail the bill for the physician to me one time at our home address and it came back undeliverable. They did not attempt any other mailings, though I received multiple other bills to our home address for this and other services from the hospital during this time frame without incident. She noted that they then tried to call a cell phone number four times without getting a response. Again, I had not provided a cell phone number in any of the paperwork associated with this provider or claim. 

I indicated to XXXX that I always pay my bills with the hospital and would like to do so with this bill. However, given the circumstances, I wanted to request that the bill be taken out of collections altogether and especially in the name of my father. Further, given the amount of the bill, I requested that I be allowed to be put on a payment schedule as I would have requested right away had I received the bill. Both requests were denied. The hospital maintains that my dad is responsible for the bill as he took her to the appointments even though I had signed as the responsible party. 

Furthermore, I signed an Authorization For Release Of Protected Health Information To Family Members Or Other Persons that specifically indicated that XXXX could disclose information related to medical conditions, diagnosis or lab reports to both my mother and to my father. However, I did not indicate that billing inquiries on the account could be directed to them. Obviously, they disregarded this request. As neither my father nor I ever received any written documentation on the matter, I do not have an account number or more specific information on the collection agency the debt was sent off to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did XXXX allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and noticed numerous violations of the FCRA and numerous state and federal laws that protect consumers. I also understand that about 89 % of all credit reports contain inaccurate, misleading and unverifiable information on them. It has also come to my knowledge that systems used by the credit bureaus such as XXXX XXXX do not protect the consumer as well, they just allow some companies to verify a debt whether or not it is true. My credit file contains a public record/judgment that is NOT verifiable and does NOT belong to me. I have already made several attempts with this company ( Kimball Tirey & St. John ) to provide proof that this debt belongs to me, to no avail. It was also brought to my knowledge that the court houses do not report, nor verify this type of public record with any collection agency nor have they ever reported such information on any consumer. This is really disturbing to find out that the collections companies like this XXXX lie and falsify documents to credit agencies to make a quick buck. It is my knowledge that these violations are punishable in a court of law by {$1000.00} per violation. This does n't even include court fees, attorney fees and punitive damages that a consumer may seek to hold the company in violation of fraud for lying and falsifying these misleading documents. After contacting several different FCRA attorneys willing to seek these damages free of charge, I choose not to ( for now ) but would like to resolve this in a civil matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: Nissan Motor Finance contacts a number I have asked them not to contact multiple times.

Company response to consumer: Closed with explanation