milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was contacted by a company, Navient that indicated i had a loan from XX/XX/XXXX that was not paid. Since it was 8 years old and I had never heard about this before I asked for proof. This was in XX/XX/XXXX. After a dozen phone calls and letters to Navient I finally contacted the XXXX to help me obtain the proof of this loan, I received proof on XX/XX/XXXX with a note that said I was now past due. I do not think this is fair, It took them six months to get me proof that I owed the money and they want to tell me i am past due and report to the credit agencies and charge me interest on the time it took for them to provide the proof of the loan, which is still in question. I had filed bankruptcy in XX/XX/XXXX, and i was a victim of identity theft, so I have to be careful and I need proof of a loan that shows up after 8 years from nowhere. 
I really think that the company should let me verify the loan, and forgive the interest accrued while I was waiting for them to provide the documents. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a Tax Lien which was incorrectly placed when the XXXX sent tax payment money to the IRS as I had paid two years taxes ( a XXXX and a XXXX ) with the same check. They processed the XXXX return and then found they were short the money they sent to the IRS - go figure. 
I have had the tax lien released XX/XX/XXXX and notified Experian in both XX/XX/XXXX and XX/XX/XXXX. It is still on my credit report. Again, the credit dispute process is a joke. There are no penalties for the credit bureau putting erroneous information nor in simply ignoring disputes made through their website or by mail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (FL).
Issue: Taking out the loan or lease

Complaint: In XXXX Chase Auto Loans reported to all three credit bureaus that they had charged off a loan with me and the loan now carried a zero balance. It remained so for 5 years, until in XXXX I disputed the validity of the chargeoff still being on my credit report because the original chargeoff date was actually in XXXX. In retaliation they changed the status of the loan to REPO/CHARGEOFF with a balance of {$15000.00}, which is more than was ever owed at the close of the loan. 

The loan had a protection clause ( which I paid extra for ) which was an insurance of sorts that ensured in the event I was involved in an accident that caused me to lose my employment the loan would be " paid in full ''. While I filed numerous papers with both Chase and the dealership ( XXXX XXXX ) to ensure this protection was invoked, Chase and I in the end came to the agreement that I would return the vehicle to them and they would charge off the remaining balance of the loan. This is why in XXXX the balance was charged off to a zero balance. However, the loan agreement actually came to anend in XXXX when I turned the vehicle back over to Chase. This is why I disputed the entry still being on my credit report in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Since at least XX/XX/XXXX Multiple requests to Equifax to properly report the status of my account with XXXX XXXX XXXX have come back as investigated and confirmed when just looking at the reporting it is obvious that it cant be correct. Multiple phone calls escalated to supervisors who agree that its clearly wrong have had no impact Equifax Reports : XXXX XXXX : XXXX late XXXX XXXX XXXX XXXX XXXX Repossession XXXX XXXX They also report that this will be deleted XXXX XXXX The first delinquency is actually XXXX XXXX and by law this should drop off my credit report XXXX of XXXX. 
Numerous attempts to contact or dispute this with XXXX have failed and Equifax refuses to contact XXXX in any other fashion than XXXX which always come back the same. 
Multiple Equifax supervisors have agreed the reporting is incorrect but the reporting never changes.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Credit line increase/decrease

Complaint: Wells Fargo Bank reduced my available credit line from {$12000.00} to {$2900.00}. I have a perfect pay history on this ( and all ) accounts. This effectively created a maxed out tradeline, which hurts my credit scoring. I was given no advance warning. This was done because the card was on auto-pay and not utilzed. I am in the process of refinancing my home mortgage and a maxed out tradeline hurts my credit eligibility. 

This practice is inconsistent with consumers ' best interest and harmful to tradeline reporting. This should not be done if tradeline is in perfect standing. 

Wells Fargo refused to restore original credit line without pulling my credit again ( as a hard inquiry ). Pulling my credit as a hard inquiry further lowers my credit rating. 

Very harmful practice to consumers. This is a punitive practice targeting consumers who do n't use the Wells Fargo credit card as often as they would like.

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 09/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I recently applied for a loan modification from Wells Fargo. 
First I was told they would n't accept my application but needed to go through a " re-entry interview '' I complied with that and my application was accepted. 
Then in the space of just 3 days I received 4 letters. 2 letters were dated on XXXX XXXX of this year : one stated that I should submit the required documents, the other stating they received all the documents. A letter from Wells Fargo dated XXXX XXXX stated they reviewed the information and my request was denied as the NPV ( net present value ) evaluation results did not support a modification and that I had already received the maximum number of modifications. No other details were given that could help me understand their decision. 
Finally a letter dated XXXX XXXX stated I was approved to participate in a short sale. 

Going back a bit, in 2013, I was given a loan modification, my only one but with an interest rate of 6.125 %. I accepted those terms at the time but am now unable to afford my payments. I am not earning as much income as I was before and am struggling to keep my home. 

I was also told the investor would not accept additional modification requests but was not informed who the investor was. 

I desperately want to keep my home. I tried calling the assigned relationship manager and was hung up on when I started asking questions. Wells Fargo has been very uncooperative and not very informative about my denial.

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 08/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TRANSUNION claims as frivolous, yet in CFPB XXXX they have a letter from XXXX dated XXXX/XXXX/2016 where they explain they are sending the account statements because of FEDERAL RESERVE INVESTIGATORY CONTACT ON XXXX/XXXX/2016. 
The evidence of creditor fraud in muliple illegal charges on XXXX ACCOUNT ... ... XXXX WAS NOT RECEIVED BY ME UNTIL AFTER XX/XX/2016.The evidence is legally substantiated by the CFPB and Federal Reserve yet TRANSUNION NOW KNOWINGLY AND WILLFULLY REFUSE TO ACKNOWLEGE THIS MATERIAL WHICH IS NOT FRIVOLOUS TO XXXX, XXXX, THE CFPB, THE FEDERAL RESERVE ... ..ONLY FRIVOLOUS TO TRANSUNION AN UNETHICAL, LAW VIOLATING COMPANY.

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 04-11-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I signed up for a bank account with Well Fargo. There was an introductory offer that if I made 3 consecutive direct deposits of {$500.00} or more for 3 months, then a {$200.00} sign up bonus would be applied. I met those requirements but did not see the bonus by the time if was supposed to show up.

I then contacted Wells Fargo the service rep stated I met the requirements but the service rep said they would not pay it. To quote the service rep precisely : Mr. ________, I reviewed your account and our records show that the requirement of the campaign were met and we are therefore not able to issue the promotional credit.

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 01/20/2018 about Student loan (Private student loan) with LendKey Technologies, Inc. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On a few different occasions my direct pymt for my loan had insufficient funds due to the timing of my deposits which I have since fixed. My complaint is that on the first of the month, Lendkey auto deducts from my acct. When there is insufficient funds, they say they will make a second attempt. The funds have been immediately available once I have received a notice of insufficient funds. However, their second attempt is not made until it is past the due date and they then charge me a late fee. I am struggling enough to make ends meet and I find this practice immoral and not sure if it is even legal. If I do a manual one time pymt, they end up going into my account for the second attempt ( which is always at the time where they can then charge a late fee ) and take the money anyway and XXXX up my account even further.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Since XX/XX/XXXX I have submitted disputes to the credit bureaus and spoke with company directly about incorrect information on my credit file showing my loan defaulted by 90 days yet my account was in inschool deferment. XXXX had removed the 90 late then it was reinserted back on my file only to show now it 90 days late only in XX/XX/XXXX but in good standing in XX/XX/XXXX, XX/XX/XXXX and moths leading up to now. In the comments it states account resolved by grantor yet it is not and the bureaus have not done a proper investigation after numerous ongoing disputes

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 05-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union and XXXX are reporting an account with TXU that does not belong to me. I never have had nor do I currently have an account with TXU. Credit bureaus account numbers are XXXX and 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 01/25/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage has falsely reported me as later on my payments which auto deduct. This dreadful mess appears to be almost corrected ; however, the balance of my loan should be {$100000.00} after XX/XX/2016 payments. The XXXX shows a balance of XXXX. I would like this corrected and XXXX showing the correct balance sent to me so that I can file my taxes.

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 10/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery has repeatedly called and sent invoices for balances that are not my responsibility. I have sent detailed letters giving them 30 days to send me information VALIDATING the accounts and they failed to do so. They simply respond with the previously sent invoice stating the accounts have been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Checking or savings account (Other banking product or service) with BREMER BANK, NATIONAL ASSOCIATION (MN).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: Bremer Bank, XXXX, WI had safety deposit box for my mother, closed it and sent back 2 keys, 3 years ago but they keep charging me. 

Couldn't open a bank acct here because of it. 

Thrtough my mothers probate through a court they asked for debts for 60 days and no one filed claims yet I'm not allowed to open my own bank acct now.

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 11-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My ex-wife ( XXXX XXXX XXXX, her SSN : XXXX her DOB : XX/XX/XXXX, wanted and thus, was awarded my former home on XXXX XXXX XXXX in XXXX, California, by a California Family Law Judge as part of our Divorce settlement effective XX/XX/XXXX. So I moved out of it and back to XXXX, California ( which is over XXXX miles one way from XXXX, California ) over 16 months ago. 
Since I physically moved out, I stopped paying on the existing Ocwen Loan Servicing monthly mortgage because XXXX XXXX and her XXXX year old boyfriend physically moved into it and promised to continue to pay the monthly mortgage per the signed Court Order. 
And I mailed a copy of the signed Court Order to Ocwen Loan Servicing, yet Ocwen has now started to list the negative credit " Foreclosure '' status onto my XXXX credit report. I called Ocwen up and they refused to discuss it over the phone!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bank of America is inaccurately furnishing information regarding account ending in XXXX to XXXX XXXX XXXX, in violation of the reporting requirements of the FCRA 623, and for which, they are responsible. 

Ive disputed this negative listing on multiple occasions and requested evidentiary documentation that substantiates the information they have furnished and its reporting. Bank of America has either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy of the item. The negative listing remains inaccurate and not verified.

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 04-11-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I CALLED MY INSURANCE COMPANY, XXXX, AND THEY INFORMED ME THE DEBT WAS PAID AND I WAS NOT RESPONSIBLE FOR DEBT THE COLLECTION AGENCY IS CALLING ME FOR.

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 01-10-2017 about Debt collection (Credit card) with CL HOLDINGS LLC (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Threatened to sue me as well and filed motion in court. Opened credit card XX/XX/2007. Immediate annual fee of {$150.00}. Spent only {$170.00} total during 3 month period. Never purchased again after XX/XX/2007. Made payments totaling {$2000.00} and they 're claiming I owe more.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle with capital one on XX/XX/2016 and later on XX/XX/2016 my vehicle was totalled. Since then capital one has received payment from my auto insurance company and my gap insurance company totalling approximately {$22000.00}. And leaving a remaining balance of about {$1800.00}. I no longer have this vehicle and has since purchased another vehicle with another company. The vehicle itself was sold at about {$16000.00} after rebates and the rest was interest making the total loan balance about $ 24k. They have continued to call and email me trying to collect " interest '' on a car I no longer have the ability to drive. I do n't believe what they 're doing is fair or ethical. I spoke with several reps and explained to them that I do n't have the financial means to pay that remaining balance in full or in payments. I am a 9-5 worker living check to check. At this point it has become very stressful. They have received approximately 94 % of the total amount due. I suggested that they consider that amount that they 've received as a settlement or paid in full loan and they refused. I do n't think it 's right for them to be pressuring me about paying " interest '' on a total loss vehicle and threatening to charge it off on my credit report when I made all my payments on time when the vehicle was operable. Please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX To who it may concern ; i have several collection agencys named XXXX XXXX XXXX & MIDLAND FUNDING LLC. Please be advised that i am disputing these collections due to the fact that the collections agency ( XXXX XXXX XXXX & MIDLAND FUNDING LLC ) does not currently have a valid license in FLORIDA to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX & MIDLAND FUNDING LLC ) are licensed to collect in Florida. Your immediate response will be greatly appreciated.
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Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Other financial service (Check cashing) with Winona Holdings, Inc. (LA).
Issue: Fraud or scam

Complaint: Had an agreement with CheckCare Systems in  XXXX   XXXX   GA. F or a $  XXXX  /month f ee they would guarantee payment of any NSF check writte n to my  business as long as I had the proper information recorded on the check and it was {$100.00} or less. We also had an agreement if they were able to collect on checks that did n't meet those criteria they would pay me for them if they were able to collect them.They were supposed to issue me monthly checks along with reports showing which checks they received from my business. My bank automatically sent all my returned checks to CheckCare Systems for collection. They stopped sending me the money they collected on my behalf so I told them to stop drafting my account the $  XXXX  /month  service fee until they paid me what they owed me. In  XXXX  of    2016 I  spoke to  XXXX   XXXX  who said he was  a manager th ere and told him to deduct the monthly service fees from what I was owed and send me the money they owed me. He said he would do that. Since out conversation in  XXXX  of    2016 I  receiv ed 1 p ayment from CheckCare Systems for {$70.00} I believe it was. They currently owe me over over {$1000.00} and refuse to pay me. I know they owe me {$600.00} for a check {$300.00} for another check and {$70.00} for another. These are checks I collected on at my business from the customers who wrote me NSF checks that CheckCare Systems later electronically swiped from their accounts. In each of those cases I reimbursed my customers the money they paid me because they were charged twice once by me and once by CheckCare Systems. For their collection efforts they change me $  XXXX  /month  and charge the customers a collection fee. I sent them a certified letter demanding all the money they owed me along with all the NSF checks they were holding for m y business that they were unable to collect on. I 've made many phone calls to without success and I hope you can hel p me settle this matter.

Company response to consumer: Untimely response
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold within a year of purchasing our new home. We have never missed payment on our mortgage, however it shows up on paper that we missed payment on our mortgage because we were never contacted by the new mortgage company ( XXXX XXXX XXXX ). We also have a new problem, because our mortgage was sold again in XX/XX/XXXX and our mortgage has been incorrect for three months and the new company ( Freedom Mortgage ) has not corrected it. There was an escrow shortage that we paid in full to XXXX to reduce our monthly mortgage. As soon as we paid the escrow shortage our mortgage was sold to Freedom Mortgage. We have had to call for three months to get current amounts due corrected and this XX/XX/XXXX will be month four. Every time we talk to Freedom Mortgage, they tell us they can see that we paid the escrow shortage and will get it corrected however it has yet to be done. Due to all of these problems our credit has now been negatively affected when there should have never been a problem because every mortgage payment has been paid in full.

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