milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I financed {$28000.00} through Navient ( previously XXXX XXXX ) with disbursement date of XXXX/XXXX/XXXX. Interest rate at 10.250 % I 've been contacting the company inquiring why my balance is still the same as it was when I began payments in XXXX. I 've gotten nowhere with them with regard to detailed explanation. 
As of XXXX/XXXX/XXXX, my balance was still {$28000.00} which makes no sense to me. 
On XXXX/XXXX/XXXX, I refinanced the loan through navient to get a lower interest rate of 6.350 %. 
My payments through navient on this private loan do not seem to have been allocated properly. Please help as I do n't know what else to do. I 've been paying for 8 years on this loan and I do n't understand why the balance remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested a free annual copy of my Equifax credit report. I was given access to it online. On top of the page, Equifax said that if I wanted to have access to my annual credit report for the next 30 days instead of just this one time, I need to create an account, which I did but as soon as I created an account, a new page popped up and I am now denied access to my free credit report that I had access to online before creating an account ( please see " Attachment # XXXX ). 

I have NOT disputed the issue with Equifax because all Equifax does is LIE, LIE, LIE. It 's a waste of time dealing with them directly. The only time they took me somewhat seriously was when I complained about them to the CFPB. Even then, they tried blaming me for their irresponsibility and failure to fulfill their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: ****This is An Attempt to Renegotiate Federal Student Loan Debt***** Currently, I am in Chapter XXXX Bankruptcy in the XXXX District of North Carolina - XXXX. While presently none of my Chapter XXXX payments are being sent to the Nelnet, the servicer for my XXXX XXXX Loans, the interest keeps accruing. Currently, my loans are in deferment because of the Chapter XXXX case. Also, I am currently on the PAYE repayment plan for my student loans. I have attempted to see what my current balance is, but because of my Bankruptcy case, Nelnet has block me from accessing my account online. 

I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest. 

Fact is, I have several medical condition including XXXX, which has limited my career options and has been an impediment to advance in my field. While, I hold a XXXX in my field, because of my XXXX, I will likely never be advanced to an XXXX level or XXXX level position because they both require the ability to XXXX. In fact, I am unable to obtain a higher paying management position in my field because of my XXXX. Fact is, hiring managers are prejudicial towards people who stutter. Right or wrong, that is the way our society perceives people who XXXX like me. If need be, I can provide letters from medical professionals and XXXX who can attest to the career and financial challenges that somebody who XXXX experiences. 
On the legal side, my ex-wife consistently engages in family court litigation with me because she does not like sharing custody of our XXXX year-old daughter. She has engaged in acts of parental alienation and consistently makes an effort to drain what little money I do have for a lawyer to fend her off in family court litigation. 

Again, to surmise, I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I was trying to link my TD Bank checking account with XXXX so that I can withdraw funds to my bank account but TD Bank is blocking XXXX from doing so. I attempted to conect the connect the account using my TD Bank web credentials but I receive an error that TD Bank is blocking me. I called the bank and they said they dont like coinbase.com and that is why I cant access it. The customer service rep at TD Bank refused to give me her employee number or any info on who she was. This is unacceptable as now my money is locked up in a website and I will be forced to move my bank account to another bank to get my funds. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: Discrimination, harassed, treated poorly and humiliated over several months by several representatives at Wells Fargo. 
They mis represented themselves, lied and tried covering up. 
My request for a refinance was made almost impossible and they threw in a Home Equity loan, but never explained costs until closing on the mortgage and forgot to give me a HUD report for the equity loan. 
Each agent was rude, mean and demeaning and got angry with me on the phone. 
I am XXXX, have a pension, XXXX and not physically well.

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 10/31/2017 about Student loan (Private student loan) with AES/PHEAA (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In XXXX of XXXX, I submitted a request for a cosigner release on three student loans, owned by XXXX and serviced by XXXX. The request was denied for a reason that was later determined to be inaccurate ( I made XXXX payment 16 days *early*, which violated a supposed rule AES had that " regular payments for four years '' had to occur within 15 days of the due date - they had actually changed this rule to only refer to late payments ). Ultimately, after waiting for months, no response was given. I met all requirements for cosigner realease, as far as I am aware. 

I submitted a second request for cosigner release in XXXX of XXXX. Since then, I have called AES multiple times and requested that they follow up with XXXX. XXXX has not responded to the request. 

Waiting for 2 years for this process is unacceptable. I would like action from XXXX to review my request ( and hopefully approve it ), so that these loans can be removed from my mother 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This is a follow up related to CFPB complaint  XXXX . On  XX/XX/XXXX , I filed a dispute with TransUnion to remove an illegal tradeline on my credit report. I provided written evidence from the credit or ( information furnisher )  stating that the account can not be validated. The creditor is unable to verify the information and therefore continued reporting of it is a violation of FCRA statut e 623. Ho wever, they are refusing to remove the information claiming tribal sovereign immunity in an attempt to hold my credit re port hostage and ext ort money from me. I included a copy of this letter from the creditor in my dispute with TransUnion. Less than 48 hours later, TransUnion closed my dispute stating that they verified the account and therefore refused to remove it. This is absolutely not possible as evidenced by the attached letter from the creditor stating they themselves can not verify the account. In response, I opened  XXXX  with the CFPB.     TransUnion responded to the CFPB complaint again stating " We have reviewed your complaint along with the information you previously provided regarding this issue. On  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX , we initiated an investigation into the accuracy of  XXXX   XXXX   XXXX . In response to the investigations, the disputed information was verified or updated accordingly ''. This statement was followed by a parroting of the incorrect and unverifiable information from my TransUnion report. Please review the attached letter from   XXXX   XXXX   XXXX    . It clearly states that they are unable to verify the account in question. How is it possible that TransUnion claims they verified it? Also, by their own admission in this statement, they allege verifying this account on  XXXX  in response to the complaint, however the complaint was n't even opened until nearly a week later. They clearly did not perform any investigation from the CFPB complaint.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven unverifiable.     According to the Fair Credit Reporting Act, information that can not be verified must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am again asking for CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and unverifiable tradeline from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Under the new law effective XXXX XXXX, 2017 any public record data must include name, address and SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Applied for loan/did not receive money

Complaint: Big Picture Loans Signed agreement 3 times and now they tell me that funds will not be deposited until XXXX. 
I was told so many lies. They repeat themselves and it does n't seem the contact center understands XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I DO NOT have a signed contract with XXXX XXXX XXXX. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.

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 06-11-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (VA).
Issue: Account opening, closing, or management

Complaint: Chase bank do not no longer want to do direct deposit from annunitys into a personal accounts unless the exceutor and the benifuarys name is on the account together. I think that is bad banking business.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft. I disputed this Belk account multiple times, and requested validation. This account does not belong to me and I want it deleted from my reports immediately. The debt validation including the original application was sent to me by the company, and shows the account was opened by someone living in another state that I have never lived in. The same state in which the majority of the identity theft took place. 

It is obvious this person just used my first name, date of birth, and social security number to open a fradulent account. Very clear cut identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Having problems have been charged for a loan that I never received and WILL NOT release the information to the loan company. Withholding loan money that was leaded to me and allowed me to be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: OnXX/XX/XXXXXXXX XXXX XXXX reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, XXXX XXXX XXXX failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.

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 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (VA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: we went into wells Fargo to close all of our accounts due to there practices we successfully closed all of the accounts or thought we did the bank and there credit card department even told us they were all closed and the amount 's we had to pay to close all of them. we paid the exact amount they gave us on XX/XX/XXXX at a local branch and via phone with credit card department at the local branch. we even ask if all of out accounts were closed and the card was cancelled and we were told yes. today XX/XX/XXXX we received a notice from them telling us that there is an outstanding balance of XXXX so I call the bank. to find out how we could have a balance outstanding when we took extra effort to insure that all moneys owe was paid on XX/XX/XXXX.. they inform us that they did not inform us of a pending transaction that hit the account the exact same day we closed the account an we still owe XXXX for a transaction that took place after the card was closed. I ask for specific 's of day and time this transaction took place all they could tell me was it took place on the XX/XX/XXXX some time after we closed the accounts

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit card () with WELLS FARGO & COMPANY (MO).
Issue: Closing/Cancelling account

Complaint: We use our Wells Fargo Credit Card monthly and pay off monthly. In XXXX I paid half of the full amount that would be due XXXX XXXX and intended to pay the rest before the XXXX XXXX due date so as not to incur interest charges. My husband did n't know I only paid half and continued using the card for his business purchases. On XXXX his business purchase put us over the credit limit by {$72.00} which they told me is a courtesy. I understand, that 's great so as not to cause embarrassment, etc. But the company allowed NINE more days and XXXX more transactions to occur, putting the account at {$1200.00} over the limit!!! We receive NO PHONE CALL, NO LETTER, NO NOTICE, NO EMAIL, NOTHING and they closed the acct on XXXX/XXXX/16. On XXXX/XXXX/16 I paid the other half of the remaining balance for the 30 day charging window, bringing our balance to zero for that payment period. The remaining balance will be due XXXX/XXXX/16 and is under the credit limit. Under the terms and agreements for this card, no where does it state that they will close the account if it goes over the limit. Wells Fargo DID NOT notify us as they stated they did in a letter they mailed out on XXXX/XXXX/16, the same day they closed our account. We received the letter on XXXX/XXXX/16. How can a credit card company allow transactions to occur when the card goes over the limit!? Every card we have ever had, does not allow you to go over repeatedly once a transaction puts you over the limit. It declines further transactions. Wells Fargo Bank NA does not do business well, and they do not return phone calls. I have left XXXX messages on XXXX of the main managers voicemail who would handle this. No one calls me back. I will never EVER do business with Wells Fargo again. How ironic that we have never had any problems like this until after our Wells Fargo Home Mortgage loan was paid in full and all we had left with their company was this credit card. They are deceitful and do not communicate well with their account holders. XXXX XXXX XXXX BANK IS THE BEST.

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 03/27/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with Residential Credit Solutions. They changed the rules on ESCRO years into the agreement and caused my payment to go up drastically for a few months. This led to a few 30 days and XXXX 60 day late. I refinanced to another bank and have paid as agreed 100 % of the time. I 've since disputed their reporting to my credit. As it turns out, they assigned a 120 day late as their response. This never happened and can be verified. I feel they 're attacking me for complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Always paid on time paid account in full but still saying I was late when I was n't

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/2018, I discovered that my recently ordered Bank of America ( BOA ) debit card, with a MasterCard logo, was automatically charged {$24.00} by XXXX, but without my knowledge or consent. Although XXXX  did not have my debit card 's new account number, I was quite devastated when they were still able to charge my new bank card. This odd transaction had prompt me to quickly contact Bank of America to hopefully try to resolve this issue. Within my 1 hour & 20 minute recorded phone call with a very unprofessional woman named XXXX XXXX ( BOA Customer Service Representative : XXXX ), I eventually learned that I was enrolled into a BOA Account Updater VISA-MasterCard program. According to XXXX XXXX, this BOA program would automatically update my XXXX  merchant account with my new bank card information, but only when I chose to order a new bank card with a new account number. Unfortunately, when I asked XXXX XXXX to immediately " cancel '' this highly corrupt and unfair program, I was shockingly told that I did not have the authority to do so. XXXX XXXX also implied that when I initially signed my BOA debit card agreement, I unknowingly " waived '' my right to cancel this program and I automatically gave XXXX and any other merchant the authority to apply new charges to my new BOA debit card 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 explanation