milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for and received XXXX student loans from Navient ( then XXXX ) in XX/XX/XXXX and XX/XX/XXXX. XXXX were Stafford loans, totaling {$18000.00}, disbursed to me in XX/XX/XXXX and XXXX were Graduate PLUS loans, totaling {$11000.00}, disbursed to me in XX/XX/XXXX. I applied for forbearance multiple consecutive years in a row because I knew of no other option. I was earning approx. $ XXXX/year without benefits, supporting a household of XXXX people. I called each time and let them know I could n't afford the $ XXXX+/month payments, and I was never told that I could pay must less and avoid the high interest of forbearance by being on income based repayment. I was always pushed into forbearance because they said they could even submit it for me over the phone without me needing to send them any documents. I was always immediately approved. This past year because I was unable to purchase a home or do anything without worrying about this loan hovering over me, I paid off the loan in full by borrowing from family and savings. My complete payment on the original {$29000.00} balance was approx. {$54000.00}. {$25000.00} in student loan interest on a loan that could have entered income based repayment which would have been to my benefit. I do n't believe Navient should be entitled to reap the benefits of their deceptive practices against me and that a considerable portion of the interest payment should be reimbursed to me. Any help you could offer me in this endeavor would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt has NOT been paid in full however this debt was originally placed with another debt collection agency who then transferred it over the Medical Revenue Service and they never notified ME of the change and all this time I have been paying the other debt collection agency for the same debt that they marked against my credit. Now the other debt collection agency ca n't seem to tell me where all my payments went to and Medical Revenue Services do n't have any records showing that I have been paying on said debt for the past year!!!!!

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 04/14/2017 about Credit reporting () with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This debt is my mine I wrote the credit reporting agency indication I am not aware of this debt to provide information pertaining to this debt came back verified how? when they have no such documents

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient is a fraudulent company that adds fees on top of fees and ruins your credit by misleading their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Prepaid card (Gift or merchant card) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing, opening, or closing account

Complaint: BBVA Compass will not give us our own money. We have over {$66000.00} on a gift card that we can not get them to release. We have called them, gone into their branches and reached out to them online. They keep giving us things to do, but now we are months into the process and we can not get our own money.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 explanation
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have made repeated attempts to reapply for income-driven repayment plans in the past year while we have been XXXX. I submit the paperwork but receive no response and have been simply put on forbearance. Then payments start back up and I have to call again and go through the same process.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: in XXXX 2011 Wells fargo took {$320.00} from my checking account for an over draft from another checking account that was over drawn, SinceI only had 1 account with wells fargo I protested and was denied any satisfaction. several months later the same thing happened with {$190.00} in my checking account and so forth, every time I deposited oney, I verified with bank there was no over drawn account, it was clear, several days or weeks later it would happen again. Finally we found out there was a 2nd invisible account tied to my checking account that was accruing overdrafts to the tune of {$1400.00}, the account was never closed and kept accruing charges, I paid nearly {$900.00} towards these charges before the bank manager closed the account. then several months later i was being served for debt in the amount of {$720.00}, whereas I was found liable and scheduled to pay this amount, I was able to pay approximately {$380.00} of this afterwards due to a XXXX I was no longer able to work. All told Wells fargo took around {$980.00} from my checking account and an additional {$380.00} from the judgement. I still do n't know if the account is actually closed or not, I can not get a straight answer from Wells Fargo.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have never in my life applied for, nor carried a car note. There are countless companies reporting erroneous, and damaging inquiries on my credit report without my initiation. The majority of whom have ignored the repeated requests to cease authorization attempts, remove the previous credit reporting requests and void my information from their databases.

The credit bureaus have reported inaccurate SSN, birthdates, telephone numbers and addresses on my credit report. It stands to reason that they frequently have resulted in the inaccurate data that has been, and continues to be both tirelessly reported, and disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Rewards

Complaint: Wells Fargo offers cellular phone " insurance '' against damage or theft if you pay your cellphone bill with their credit card. I have been on auto pay to pay my cell bill for five years. In XXXX 2015 XXXX cell phones were damaged : XXXX dropped and died, other flooded in a storm while in my pocket. WF ins co says that the to be eligible for the insurance in the month of the loss/damage the prior month my cellphone bill had to be paid by my credit card. Note I have never had a prior cell claim so it is n't like I am working the system. Well ... XXXX pulls my cell bill from Wells Fargo credit card on the XXXX of every month UNLESS it is a 30 day month then the payment is pulled the XXXX of the next month. My XXXX payment was pulled XXXX XXXX thus in the month prior to my loss there was no payment. I think this is a financial company trying to wiggle out of their obligation on a technicality. The claim administrator satisfying the Wells Fargo guideline phone number is XXXX and my XXXX claims are XXXXand XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: MEADE & ASSOC # XXXX has reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was XXXX XXXX XXXX. This is a error and needs to be updated.

Company response to consumer: Closed
Consumer complaint received 10-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: I XXXX XXXX am having numerous problems with the staff and the management, at the local Wells Fargo bank in XXXX Va. I have had no income last year and this year I only worked for 3 months, I was very sick for 7 months last year and did not receive unemployment benefits even though I am legally entitled for. This year after my income trickled to a stop, I stopped by the branch numerous times to get them to close my account and they would either say they would close it or pretend to be busy or tell me I had pending transactions so they could n't close it. For example I have had penalties for a mortgage withdrawal from XXXX XXXX, even after they had sold my mortgage Since then they have been slapping me with penalties and have never closed either of my XXXX accounts even when there was a XXXX balance and they had promised to close it after I left ; and I have had to struggle with money. Please help me resolve this issue by having them remove my past penalties and close my accounts. If you contact me then I can provide you the records. But you must seize the data without letting them close the access to the data before an action is taken. I demand monetary compensation for all the aggravation, humiliation, insults and mental torture they caused me. At one time one of the staff managers refused to notarized my paperwork because he said my address was different on my drivers licence. Please help resolve this justly Thank you XXXX XXXX XXXX XXXX XXXX XXXX va 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 03/23/2015 about Credit card () with DISCOVER BANK (NC).
Issue: Other

Complaint: Discover Card has stolen {$2800.00} from my bank account and not returned it in over 6 days XXXX so far XXXX. 
Details:1. My XXXX cycle closed on XXXX. I paid the balance in full on XXXX. I have " DirectPay Full Balance '' scheduled to pay the full balance from my checking account about 5 days before it is due. That automatic payment date was XXXX, but the XXXX balance was {$0.00} at that point. 
2. On XXXX Discover informed me that my account XXXX have been compromised and that they were sending new cards with a new account number. 
3. On XXXX Discover debited my checking account for the balance on my account for charges from XXXX to XXXX, which was {$2800.00}. 
4. I spoke with Discover customer service on XXXX. They admitted there had been a mistake on their part and that the {$2800.00} would be returned to me. They offered to mail a check or do a wire transfer. I requested a wire transfer and was told it took 3-5 days. Calls to Customer Service on XXXX and XXXX produced excuses that it was being processed and would take a few more days. It is now XXXX and Discover still has my {$2800.00}. 
5. It is fortunate that my checking account was not overdrawn by Discover 's " mistake ''. I can see how forthcoming they would be making that problem right. 
6. When I make a payment from my checking account on my Discover account, it takes less than a day for the transaction to complete. For Discover to make a deposit into my checking account and have it take over 6 days should be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX XXXX ( XXXX ), and my wife 's name is XXXX XXXX XXXX ( XXXX ). We have worked hard and paid our taxes all of our lives. My wife XXXX and I have had a rough time for the past few years, health-wise and financially. We have tried repeatedly to get help for our situation. 

Over 2 years ago, we applied for a program called KEEP YOUR TENNESSEE HOME. We have been on the list until XX/XX/XXXX, when we were told they had run out of money. 

Next we tried the REVERSE MORTGAGE program. Although I am XXXX, we could not use this program as my wife is only XXXX. 

Then we turned to our banker WELLS FARGO for help. We do not make enough money to qualify for their REINSTATEMENT PROGRAM. Since I am recently laid off my job, I then applied for their UNEMPLOYMENT PROGRAM, but we make too much money for that one. 

I have just received a foreclosure notice on our house. I will need to give you some background so you can better understand how we got to our present situation. 

In XXXX, I fell victim to a disease called XXXX. I would suffer XXXX attacks of XXXX over the next 2 years. XXXX would disable me for several days. XXXX would require surgery. XXXX would hospitalize me and nearly kill me. This left me unable to work and on Social Security XXXX. 

About 30 years ago, XXXX came to a halt at a stop sign, but the car behind her did not. Since that time, she has had over XXXX XXXX, including XXXX total XXXX. She has been unable to work since, XXXX, XXXX. 

In XXXX, we took in a little boy named XXXX XXXX. He was XXXX years old at the time. His parents are drug addicts and are both in jail. XXXX is XXXX years old and we are in the process of getting legal custody of him as there is no one else to care for him. 

My wife applied for SOCIAL SECURITY XXXX over 2 years ago and we are now waiting to hear from a federal judge on this matter on XXXX XXXX. If all goes as our lawyer says, my wife should get her XXXX then and possibly 2 years back pay which should be more than enough to clear up our finances. The problem here is it looks like WELLS FARGO, and the foreclosure lawyers are not willing to wait that long. 

Our mortgage holder, Wells Fargo, has just notified us that they are about to begin the foreclosure process on our property. As you can see, we have had a few rough years and desperately need help. Any other advice or help you can give us in this matter would be deeply appreciated. Is there not anyway that we can get help on this? Please keep us in your prayers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX TN XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A complaint was previously filed however, " AD ASTRA '' has failed to comply with FDCPA violations, which have not been adequately addressed in their " reply '' to the initial complaint. 1 ) They failed to provide me notice of how to dispute this or validate this " account '' when they acquired it. 2 ) After I  mailed two separate correspondences to request validation, they failed to respond to either or send the requested documentation. I specifically asked for documents showing an original loan amount with a break down if fees, interests, and payments, so I could determine if this amount claimed owed is not only owed, but reflects an accurate amount. 3 ) After failing to respond in written correspondence and provide that information, they replied to the initial complaint however, this was n't all the information I needed, and I did n't receive amt documentation requested. 4 ) After they failed to provide information to verify everything requested, they also ignored a written request to cease and desist collection due to failure to comply with FDCPA regulations and continued to try collect on this corresponding only in the " company reply '' to the complaint, I provided my contact information months ago, and have not received the requested documentation or satisfactory reply. The original creditor has provided documentation in response to the initial complaint however, AD ASTRA has failed to provide documentation of what they are attempting to collect and reporting, which was different from what the creditor sent.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (IN).
Issue: Application, originator, mortgage broker

Complaint: I applied for a reverse mrtg with XXXX and was turned down for what I believe was a bogus reason. I then wrote them a letter asking for a better explanation, and never got an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: This was a medical bill that I had medical insurace. I submitied my medical insurance and the medical insurance company did not bill me but sent it to  XXXX  collection agency that reported the debt to equifax. I provided the insurance information. I am told that the will notified all credit agencies. The debt still show up in my Equifax report. Date -  XX/XX/2015,   Amount  - {$240.00}. Equifax did not take any action

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Credit card debt) with CL HOLDINGS LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX and XX/XX/XXXX I received XXXX XXXX XXXX has flagged your account as Collections.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$490.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX reported a new account on your XXXX  Credit Report.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$490.00} Balance Date XX/XX/XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MN XXXX This company did not contact me prior to placing this on my credit. I have never had a XXXX account. Because my identity has been compromised by several companies to include XXXX credit bureau. I have requested a copy of the application along with whatever identification used. I would like this information removed from my credit until this issued has been resolved. This negative information on my reports is causing me a hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Managing the loan or lease

Complaint: I contacted the lender ( One Main Financial ) to refinance my high interest rate loan ( 33 % ). I have never been late on this or any loan/debt in over 24 months. I told them my credit score had increased from the low XXXX 's since origination in 2014 to XXXX today. I was advised that would allow me to get a better rate but they would have to make a hard inquiry to verify. I told then hard inquiries negatively impact credit ratings and I did n't want to go forward if there was no opportunity for a rate reduction. I was advised that the rate reduction was possible due to my score but they had to see the report. 

Once the report was pulled I was told no rate reduction would be offered even with a score of nearly XXXX. I was only then when I was told decisions are not score based but other undisclosed factors determine the rate. I was told to get their lowest advertised rate of 14 % my score would have to be nearly XXXX. When I asked why my score of nearly XXXX did n't get me a lower rate I was then told by another associate that the main reason for not getting a lower rate was utilization on XXXX credit card was near the limit and over XXXX % on another, I was not a homeowner and I had XXXX inquiries listed. I was told my score had nothing to do with getting a lower rate. 

This is a deceptive practice and harms the consumer trying to refinance their loans. The lender caused me to negatively impact my credit rating with a hard inquiry when my credit score had no bearing on their decision even though I was lead to believe so prior to authorizing the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA COLLECTIONS COMPANY has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation