milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient deducted a private student loan payment from my credit union checking account without any authorization from me. I have contacted them several times over the past 2 months ( XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 ), sent them copies of my bank statement via fax ( XXXX/XXXX/15 ) and email ( XXXX/XXXX/15 ), yet they fail to refund the {$23.00} insufficient funds fee I incurred as a result of their unauthorized bank debit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-07-2016 about Consumer Loan (Vehicle lease) with CHECK INTO CASH INC. (AZ).
Issue: Taking out the loan or lease

Complaint: I got a car loan for my XXXX toyota tundra, i had paid off the entire loan on XXXX XXXX, XXXX. I went to the MVD to get my title back into my name to learn that the company 'Check into cash ' had not given me my title back and still had a hold. I 've contacted them numerous times through visiting them in person and calling. I 've been unsuccessful in getting my title back.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i do not owe this company any debt .... i have not been here

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX/XXXX/16 I did a transfer of XXXX from my credit card to my wife 's credit card. This transfer was never complete, because I could n't do it from my account to a different person. I have been trying with these credit cards to get my money back, but it is been so hard, they do not want to resolve this situation and every time I call them they accuse one to another. they charged me the XXXX. but this money is nowhere to be found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a balance discharged on my XXXX XXXX XXXX account back in XX/XX/XXXX and I filed taxes on it and both the mortgage and the XXXX mortgage should be reporting a zero balance. XXXX XXXX XXXX continued to report a balance on my XXXX mortgage till I disputed it with the credit bureaus and it was updated to zero in XXXX. Much to my surprise this month XX/XX/XXXX, Equifax sent me a new report showing the balance being re-reported. I have disputed this multiple times and submitted documentation to the bureaus and XXXX XXXX XXXX showing the error and apparently to no avail. I need this updated to report correctly as soon as possible as I am trying to purchase a home and this is stopping me from doing that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SPOKE TO XXXX  FROM XXXX XXXX CARDS SEVICES THEY CHARGE ME FOR ITME I DID NOT GET HIPPA AND CRA VIOLATION OF MY PROCTECTION RIGHTS

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 11/21/2017 about Vehicle loan or lease (Loan) with Credential Acceptance Corporation (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: The Car got repossessed after payment was made and also the Finance company it 's adding all kinds of fees and stalling the car from release after all fees were paid, also she does not want to provide a break down of charges, and did not want to take any other form of payments except cash, car still at the storage after 15 days and they are charging {$50.00} per each additional day, the rep at the storage garage said she still has not receive any release order from finance company yet, also the person at the finance company is not letting us talk to a supervisor, she is also very rude her name is XXXX, the personal from the storage place even called her to ask about the release form and she still did not get it done

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX submitted debt that I did not owe to Credit Mangement XXXX. I have repeatedly talked to XXXX, who have told me that I do not owe the money trying to be collected, but they have thusfar been unable to send me any paperwork or billing statements in writing saying that I do not owe this money. I was told via a XXXX Rep that the debt they incorrectly assigned to me was cancelled, and I should not receive any additional calls from this credit management service. This was not the case, and I was told today, XXXX/XXXX/15 by Credit Management XXXX that I need to pay the bill immediately or it will be reported on my credit. XXXX has again stated that I do not owe this money, and that the issue should be taken care of. I still have no written proof at this time, though I am awaiting an email from XXXX, sending a proof of billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized XXXX XXXX XXXX checking and savings account : XXXX, that do n't belong to me. I have never had or opened a XXXX XXXX XXXX checking or savings account. I have attached a police report and other documents to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Trouble during payment process

Complaint: I entered into trial payment plan to modify my loan. I submitted payments on time as specified  by 5/3 Ba nk. However my  XXXX  payment was returned because they stated I had not paid my trial payments. My local bank manager  XXXX   XXXX  and I called to te ll Loss Mitigation Department that I had paid and had proofs of all payments. We were then told that Loss Mitigation could  not see the payments on their computer.     I pers onally called and with the local bank faxed over copies of my certified checks and 5/3rd bank receipts to Loss Mitigation    XXXX   XXXX  ,2017. I 've had several calls to verify they received verification of payments that should already know about and to restore my modification.     This has been an oversight by the servicing b  ank 5/3rd. They have not fulfilled my modification and restored my loan and made any corrections to credit reports.
They have acknowledged receiving verification fax but have n't ' fixed their oversight. It was acknowledge through phone call 2 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax , I am not quite sure why you people wish to continue to sabotage my credit. You have re added my student loans to my credit file. They are listed on my credit file 6 times. I only have XXXX student loans and they are all current. You have duplicated the information. Please remove the duplications off of my credit file. I only have XXXX student loans which I have had on my credit file since 2005. Not XXXX. Take the duplications off of my credit file immediately. My attorney will be filing the financial harm suit against you people very soon. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Two months ago XX/XX/XXXX I became aware that someone had stolen my identity and used it to open a couple of credit cards. I caught it right away, had the cards shut down and placed a fraud alert on all of my reports. Today I get a notice that XXXX has pulled my credit report. When I contact Experian 's fraud department they direct me to call XXXX. XXXX directs me to call Experian. And on and on. All after a fraud alert has supposedly already been entered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I have an account on my personal credit reports ( Equifax and XXXX ) with XXXX XXXX. This company is banned from collecting in my state as per the Federal Trade Commission ; Case XXXX XXXX XXXX ( 2014 ). I have mentioned this to the credit bureaus ( XXXX and Equifax ) in order for the collection to be deleted from my credit file and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problem when making payments

Complaint: I have a secured line of credit with Regions Bank and they are incorrectly reporting to my credit that I have a past due balance of {$31.00}. The account number is : " XXXX ''. I paid this account off months ago in person at my local Regions Bank and to this date, they have not updated my account to show it is paid in full. They have been reporting that I have been 30 days past due since XX/XX/XXXX and this is devastating my credit report. I brought this to the attention of a branch manager at my local Regions and he told me my account is paid in full so I do n't understand what is happening! The branch manager 's  name is XXXX XXXX XXXX, his phone number is XXXX and his email is : XXXX. I need this to be resolved as soon as possible because late payments are being added to my credit and I have already been told numerous times that there is no balance on my account. I am including a screenshot from a recent report which shows how Regions is incorrectly reporting that I am late on my credit. I am trying to build good credit history and mistakes like this are setting me backwards!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2015 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have full coverage insurance with XXXX XXXX XXXX of Texas and they have agreements with hospitals and the doctors that the hospitals contract with. I do not have any deductible that I need to pay, but XXXX XXXX XXXX has turned over a bill in the amount of {$27.00} to a collection agency I guess in spite, due to their irritation that XXXX XXXX had adjusted their bill in the amount that they had contractually agreed to do work for with them. They feel that their last and only way to get back at some one is to hurt my credit by putting it into collections against me for such a measly amount with CREDIT SYSTEMS INTERNATIONAL instead of just abiding by their agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease

Complaint: We paid off the life of the auto loan balance but several weeks later we get a letter saying ( paraphrasing ) " you still owe late fees for this account. '' However, we know for sure before the loan was transferred to GM financial we did not have late fees and the deferment payments was added to the back of the loan in which we were told. So, I do n't know why we still owe late fees when we paid off the life of the loan, please explain that to us.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This account was paid Contacted XXXX XXXX twice for payments arrangements they ignored my requests before it went to collections Contacted collection agency and informed them that I had contacted XXXX XXXX twice to set up payments and was ignored and I would be sending payments directly to XXXX XXXX I started making payments XX/XX/XXXX and paid off the account in XX/XX/XXXX I paid {$50.00} monthly This account should have never been a collection/charge off I made a good faith offer to pay this bill prior to them charging it off I became unemployed but still tried to pay this bill when I fell behind in payments XXXX XXXX ignored my requests I wrote to them and was ignored

Company response to consumer: Closed
Consumer complaint received 04-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, XX/XX/2015 I filed a complaint against Enhanced Recovery Company , LLC with CFBP case No. XXXX and they submitted a letter Via E-mail to CFBP on XXXX XXXX, XX/XX/2015 in response to my complaint and promised to request a deletion of the collection they placed on all XXXX major Credit Bureau 's from my credit Bureau Reports. 
As of today, XXXX XXXX, XX/XX/2015 Enhanced Recovery Company , LLC have not request a deletion on any of the XXXX major Credit Bureaus ( XXXX ) this action might constitute fraud under both Federal and State Laws. On XXXX XXXX, XX/XX/2015 as a response to my complaint your Agency made the following statement : " In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015 Please allow up to XXXX days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX ''. 

Also as of today your Agency are unable to provide the proper documentation as requested in the following Declaration. 
Copies of the original application for this account Signatures associated with this account Billing statements associated with this account Any payment history associated with this accountDue to this fact negative mark is found on my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I am requesting Enhanced Recovery Company , LLC collection to immediately remove all negative remarks of all XXXX major Credit Bureaus and cease any collection activity for failure to validate this debt as promised in the letter forwarded to CFBP and if not I will consult with my legal counsel for suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Prepaid card (General purpose card) with Synovus Bank (TN).
Issue: Fees

Complaint: The limit was not that high and they charge me a lot of fees

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: There was a collection deleted from my credit reports in XX/XX/XXXX. On XX/XX/XXXX Experian reinserted the collection to my report. I never received any notification from them regarding the reinsertion. I contacted Experian on XX/XX/XXXX and requested this collection be deleted because it was never validated and I was never notified by them of their intention to reinsert this item to my report. On XX/XX/XXXX Experian responded with their results saying only the company, XXXX XXXX, certified the information is accurate. I have never received validation on this debt or notice of reinsertion from Experian, therefore I am requesting this item be deleted immediately from my 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 11-10-2017 about Mortgage (Conventional home mortgage) with Dyck-O'Neal, Inc. (HI).
Issue: Struggling to pay mortgage

Complaint: I have been attempting to settle or receive a structured settlement with Dyck O'Neal on my 2nd mortgage for over three years. The interest rate is a usurious rate of 11.25 % and my XXXX XXXX has nearly doubled since default. Dyck is the third purchaser of this loan. As a result of XXXX treatments and family related problems, I defaulted on payments. I hired a useless attorney who did no negotiating for me and Dyck has not made any effort to communicate to resolve this problem. I had declared bankruptcy in 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a XXXX Veteran, XXXX. XXXX. All my federal loans were forgiven with no problems, but this private loan through AES/NCT has been a nightmare that wo n't end! I have talked to someone many of their representatives I have lost count ... everyone of them all agree that what their company is doing to me is wrong! But I can never get in contact with anyone that can make any decisions, my original loan was for $ XXXX and have paid on it for about 10years and I still owe around $ XXXX+ on it. And I can no longer afford to pay for it, it is either food for my XXXX boys or this loan? So it 's not a hard decision for me to make but it 's just ridiculous that this company enjoys to profits off of me and XXXX others in a country that I defended for 10 years +, so they could continue that right .... but they ca n't even cut me a little slack ... it makes me sick that this can happen in the country I was proud to go and risk my life to defend! Please anyone help in anyway that you can, it has gotten bad enough I have resorted to begging .... a warrior brought to his knees by a corrupt corporation! Remember the companies are : American Education Service and National collegiate Trust!! Modern day extortionationates.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: Regions Bank of XXXX, GA has allowed my estranged husband access to my personal checking account without my authorization. They provided a receipt to him with after he made a deposit to that account. I have requested that NO ONE be allowed to access my account in ANY WAY without my authorization and was refused this, the bank stating anyone can deposit money into my account if they provide an account number. He does have the account number as I was required by law to provide it to him, but it was not to be used by him at any time. This was also discussed in a legal negotiation in which he was told this was n't permitted.

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 12/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I 'm three days away from defaulting on my loan. For the past 6 months I 've tried to work with my provider to keep up payments and they have n't been helpful. I received advice from a service rep to allow my account to go into collections after XXXX months to receive more options for help with my loans. This has not been my experience. No help or alternatives were given.

Company response to consumer: Closed with explanation