milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My father who is a XXXX, XXXX XXXX XXXX veteran, was a consigner and primary payee for a XXXX private loan. He fell into bankruptcy and throughout that time they said he did not need to make any payments. However, they did not disclose how interest would continue to build during this financial hardship.They continued to take advantage of a low income veteran during a time they could have froze interest payments, Originally the loan was XXXX but after years turned to XXXX. In addition instead of a cap at 6 % interest rate they continue to raise his interest rate now at 8.25 %. They would not change the variable to a fixed interest rate. How is he suppose to pay this loan off? He ca n't even release his daughter from the loan. Navient has not worked with us and has been nothing but greedy and taking advantage of the poor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have repeatedly asked for evidence to support your reporting, but yet again, your company have failed to provide me with a copy of any viable evidence, substantiating their claims. 
Given that I believe you are acting in bad faith, and have not complied with the Federal Trade Commission ( 15 USC 41, et seq. ), I will filed a Small Claims lawsuit against you for failure to validate late payment on credit report. ( FCRA Section 611 Part ( A ) ( 1 ) I have maintained careful records of your company actions, and you are now required to appear at Superior Court of California , XXXX Dept. BM XXXX California XXXX on I am seeking {$5000.00} in damages for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Navient Solutions Inc. has failed to validate the late payments. Failure to remove item off credit report. Fail to provide proof of item. Deformation. Violation of the Fair Credit Reporting Act, Negligent Establishment of Identify Fraud. On other separate occasions they failed to provide me written proof of any late payments which I requested in writing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (RI).
Issue: Making/receiving payments, sending money

Complaint: I received a check in the mail for about {$2000.00} and I deposited it in my account. My bank fulfilled the check 2 days later. I then withdrew a certain amount from that check and deposited it in another account. Another 2 days later, my balance is almost - {$1500.00}. It turns out that the check was fictitious and I was left to pay back money that was n't even mine.

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 08-04-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (NY).
Issue: Getting a line of credit

Complaint: I have a mortgage with Wells Fargo since 1996, in the amount of $ {$330000.00}. Balance today is {$260000.00}, which means I have equity in this bank. I wanted to take out a " Line of Credit '' in the amount of {$35000.00} and I was denied, why. I am a single mom that have worked all my life trying to help my children. So I would like you to investigate the bank and give me the correct answer as to why I was denied. Also check their customer service records, as to why they do n't want to give me a line or credit only want me to take out a Line OF Credit, which is low cost to me but put Home Equity Loans which they make money on. Please investigate this bank as other agencies have do,

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 01/19/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My wife attempted to purchase a vehicle and was denied by XXXX banks. The XXXX bank was a walk in visit. During the visit my wife was told that the reason I am getting denied is do to Wells Fargo reporting me as a paying only part ( partial payment ) of my mortgage. I have never paid a partial mortgage and coincidentally, Wells Fargo controls the drafting of my account for the payments. I then had to purchase the vehicle with a higher interest rate do to the lowered credit score.

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 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : Incorrect Address : XXXX, PR XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 


XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX I am disputing this account in its entirety because I feel that it is a violation of the Fair Credit Reporting Act. Please check with the furnisher of this account and make sure it is 100 % accurate and verifiable and delete it from my credit report. 

XXXX Please check out date of opening and date of last activity because this does not coincide with my records. Please delete this account for it 's errors. 

XXXX Please review the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX Please run a full examination on this account name and number because it does n't look right and delete this account from my credit report. 

XXXX Please check out account name, number, type, terms and payment amount I do n't think it 's 100 % correct. Please remove this account for violating the Fair Credit Reporting Act. 

XXXX The following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX Under the FCRA, I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors.

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 04/17/2017 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Taking out the loan or lease

Complaint: applied for a XXXX refiance told the person taking the application this was a XXXX/transport suv they said they do those kinds of loans as of XXXX..so went forward with the application..he said everything looks good credit score money in bank.platnum honors with bof a..then then denied me credit due to there historical experience with industry..they have not had any history for XXXX/commefcial loans i believe they should have decided on my ability to repay..see attached letter can they do that?

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (VA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: We all know about the XXXX problem. It was recommended that all affected parties ( that 's me ), freeze their credit reports. When I did this with Experian they said Virginia Law requires a {$10.00} payment fee. That really XXXX. It 's not my fault that XXXX XXXX up. Why does Virginia Law require this fee?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA 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 09/30/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (GA).
Issue: Problems when you are unable to pay

Complaint: when wells fargo took over wachovia. a line of credit was used. we had just declared bankruptcy. so this makes zero sense if we were not going to pay them taking the XXXX withdrawals out a month before. and included it in bankruptcy .... they [ wells fargo could produce nothing showing us we opened this account. I even went to their fraud dept. we were harassed and had neg info placed on our credit. we finally paid it during a divorce. this was fraud against us. 
they kept renewing the debt my conning me to make a payment this went on for 10 yrs

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 05-12-2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I had been getting these phone calls constantly from a number in Illinois. I am on the national do not call registry, so l never answer these. I was getting angry, so l answered it and asked who they were and why were they calling me constantly. They had my name and Social Security  Number. Th e said they where from  ARA Inc.  - Asset Recovery Associates and they were trying to settle a debt on a credit card from 18 years ago. I owed about {$2300.00} and they were settling for {$920.00}. l was very suspicious and questioned them every way l could think of. They seemed to have all the right answers. I had the money and decided to pay the debt off by debit card over the phone. They were going to overnight mail my confirmation letter with my release of liability. After 2 days it did not come. They told me to fell free to call if l had any questions @  XXXX   XXXX   XXXX   XXXX . I did and it rang funny and never connected. The transaction over the phone happened  XXXX   XXXX ,    2017 and the  first phone call back was the  XXXX  of  XXXX .   On the  XXXX , a  XXXX   County Sheriff s howed up at my door and told me that my confirmation letter was mailed to someone else who a few weeks earlier was scammed by this same company for credit card debt over  15 years old . Her name is  XXXX  and can be reached @  XXXX   XXXX   XXXX   XXXX . My letter was addressed to her with my information on the letter head.   This company collects your old debt for themselves. Who knows how many $ millions they have taken from people?   I would like my money back if it really did n't clear my debt. L have pictures of the documents and times and dates and names of all the people fr om ARA Inc. l   spoke with. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with Resurgent Capital Services L.P. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i received a {$9000.00} loan from XXXX back in 2015. The payments were set up by direct deposit. In XXXX of 2015, XXXX stopped collecting payments from me and stated that the reason why was because my bank account was closed. Even though i informed them numerous times that my account was not closed, and even paid them using the debit card from the account they stated was closed, the company still refused to reinstate my direct debit, which was a part of my loan agreement. When i could no longer keep up with the payments because i had to keep calling their customer service number every time i needed to make a payment, incurring late fees if i did not make it in time, i refused to keep making the payments until they fixed the issue that was resulting in my not being allowed to keep my loan agreement. Furthermore, the balance on my account was not shrinking, no matter how many payments i made, as the balance stayed at {$10000.00} and they refused to send me a copy of my account ledger. After my refusal, XXXX sent me to their collections company called XXXX XXXX XXXX sent me a notice stating that they would settle for {$5300.00}. I informed XXXX that the {$5300.00} was close to my balance when i stopped paying the account, not the {$10000.00} they were trying to collect. I also asked XXXX for an accurate account ledger, listing all the payments made to this account. To this date, i have yet to receive one. They have placed this account on my credit report as a collections in the amount of {$10000.00} and have never sent me an account history nor a ledger, as i have repeatedly requested.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I called Bank of America XX/XX/2018 regarding a {$22.00} interest charge on my statement after the previous statement was paid off. It is my understanding this is considered dual cycle billing, which the Credit Card Act of XXXX banned. I called Bank of America but they refused to credit the interest. I recently had the same issue with XXXX and XXXX, both of which credited my account.

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 09-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: Recently I had received an electronic notice of an insufficient fund fee. When I logged in to manage the account I noticed that there were actually XXXX fees charged, however, after looking through the charges and when transactions had posted to my account only XXXX fee was understandably applied to the account. I called Chase and spoke with a woman by the name of XXXX XXXX who seemed to have a bad attitude so I immediately asked for a supervisor to feel more comfortable expressing my concerns as opposed to feeling like I would have to potentially argue with someone about my frustration. I then spoke with a gentleman and explained how XXXX of the charges were covered by money I transferred from another account and that literally left my account at a XXXX balance. I then received an insufficient fund fee to the account due to a valid charge that took place of XXXX causing the account to be overdrawn. I asked why XXXX fees were charged instead of XXXX and he explained that although my two smaller payments were already pending and reflected in the available balance that they take the larger transaction and apply any " available '' money in the account to that transaction first. Because of this, I was charged XXXX insufficient fees rather than just XXXX. I am so disgusted with this type of procedure. It is bad business and a way to make an already expensive fee an even greater one with each fee being XXXX dollars. I ca n't even begin to review my past transactions to see how much money Chase has received from me through these fees. I would often just pay them as I blamed myself for these fees being applied due to my own negligence. Now knowing how this process works I wonder how much it has truly cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit card () with DISCOVER BANK (MI).
Issue: Other

Complaint: This complaint involves XXXX companies that each claim innocence. They each tell me to talk to the other company and none offer any method to resolve the issue The companies are Discover Financial services, XXXX and XXXX XXXX XXXX XXXX XXXX. Specifically ; Discover Financial Provides me My XXXX score and an explanation for any change as follows ; Your XXXX Credit Score is based on your XXXX credit report using the XXXX Score XXXX. 

The " problem '' is that that after months of having a XXXX score at or near XXXX, my XXXX score dropped to XXXX as reported by Discover Financial Sevices. The Credit Card offers a free XXXX score updated monthly. Discover, shows the reason for this decrease is : " 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The balances of your non-mortgage installment loans ( such as auto or student loans ) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion. '' The key to the above statement is " NON-MORTGAGE installment loans ''. are HIGH. 
In reality, the only financial activity that I was involved in was a refinancing of my HOME Mortgage. In fact, the action was to refinance an existing balance at a reduced interest rate with no cash out. Bottom line is that there was no change in outstanding debt, the only change was a debt that is now 100 % of the " new '' mortgage balance as compared to, approximately 75 % of the " old '' mortgage original loan. REMEMBER ... the debt amount is exactly the same! Also remember that this is MORTGAGE debt ... Not the " non-mortgage debt '' as referenced in the Discover Card explanation for change ( decrease in score ). 
Upon discussion with Discover, they directed me to XXXX, who can not /will not explain the change and they blame XXXX as they are the company who determines the score.When I discuss the problem with XXXX they in turn blame XXXX who provides the data for the XXXX score determination. 
So as a consumer, I am directed into a XXXX way loop of blame, Discover blames XXXX who blames XXXX XXXX ... who blames XXXX. I have experienced a significant change in my XXXX score that is unwarranted. The fact is, that by refinancing at a lower rate, I have lowered my monthly payment, which in fact ( common sense ) should improve my credit score. There is a significant problem in either XXXX '' s classification of Debt type or in XXXX formula for XXXX score determination. This case shows that consumers who refinance could and some cases will experience a significant decrease in their FICO score, which in turn can have a significant negative impact on future borrowing costs

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (TN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: The company  General Revenue c alled me and asked to speak to me. I told them I was the person they were looking for. The representative immediately began asking me questions ( my home address, my date of birth, my social security number ). I asked what debbt she was trying to collect and she refused to answer until I gave her the information. I refused and she became very hostile. I hung up. I received a letter in the mail from the same company. I called to set up a payment arrangement. I told the representative I was still in college ( this is a part of a federal student loan debt ) and was not employed. I told her I could make small payments. She began to ask for my bank account details, social security number. She also wanted my husband 's employer information and his social security number. I refused and said could I just give her my payment amount and use my credit card. She got hostile again. I hung up and called the number back only to receive a fast busy signal. I do not think this is a vaild company. I see a lot of complaints online from other consumers. I will work to pay this debt off but I am not giving out all of my personal information to a company that is a potential scam and also abusive in their language.     Creditor : University  XXXX   XXXX   File  number :  XXXX  Amount owed :  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 03/25/2017 about Debt collection (Medical) with United Revenue Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: United Revenue Corp continues to NOT provide proper validation of debt. Since I have been disputing this false information they have Flagged my credit report four different times this month ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I sent a certified letter XX/XX/2017 asking to please provide proof that this debt is valid. They did not ... instead they sent break down of fees BUT they did not provide a copy of my signature with the provider of service to release my medical information to a third party. I really do n't believe they even reached out the original creditor because United Revenue Corp did n't receive my letter until XX/XX/2017 but managed to validate this alleged debt in one day because the letter they sent me is dated XX/XX/2017. So they mean to tell me they were able to get in touch with the provider on Saturday or Sunday to validate this debt? 

I truly believe United Revenue Corp is breaking the law by 1 ) refusing to properly validate this alleged debt. 2 ) Contiuning to report false negative debt to the credit bureaus. If this witch hunt continues to happen I will seek legal counsel with the full intent to sue! I am very aware of my rights under the FAIR CREDIT REPORTING ACT. AND I also know a itemized bill is NOT validation of debt!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08-08-2016 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 have contacted experian numerous times in regards to a collection from XXXX XXXX XXXX XXXX that appears on my credit report from Experian. I 've tried for the past year, to get this sorted out. Under the FCRA I have the right to ask how my dispute was processed and who they contacted for the information. I have done so, and they always claim they investigated the dispute, and it is accurate. How do they deem that its accurate if they ca n't even tell me who they spoke to? I disputed this account online in XXXX 2016 and most recently XXXX XXXX. I would like this account removed as there is no relationship between myself and 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