milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Student loan (Non-federal student loan) with KEYCORP ().
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: CFPB Student loan - complaint reference - Re : Your submission, [ Case number : XXXX ] re submitting to dispute I am very dissatisfied with the response received and no consideration given to my complaints and Financial situation. 

From the response, please can I add that I did not end up doing an internship due to serious family illness since XX/XX/XXXX to XX/XX/XXXX and subject to that, I was very much out of scope to continueand securing further training and subsequent XXXX for many years thereafter. Basically, my mother was XXXX and sadly passed away XX/XX/XXXX. Thereafter my father was ill and had a XXXX around XXXX. I was therefore unable to proceed to further training, membership exams etc, for many years having to work and care for my father, until last year XX/XX/XXXX, he sadly passed away. ( Evidence can be provided upon request ) I managed to find a job just so I could start paying the student loan fees. 

I also contactXXXX University around XX/XX/XXXX to request further information surrounding recognition with the XXXX XXXX XXXX in the XXXX. However, they have totally dismissed my case and have not responded to important questions, even though I called numerous times and also wrote to the Registrar, and Clinical Director, but no responseto questionsthat the XXXX XXXX have asked. 
I just felt very degraded the way they treated me and there was no way of following up on this as they have just completely ignored my requests, and being in the XXXX makes it harder to communicate and get answers. Even to date I have had no response. I really did not know what to do and became very frustrated, on top of being financially stressed. 


I was very irate and disappointed withXXXX University administration and now they have jeopardised my career as a practising physician. 
I have never completed any form of licensing exams due to the fact that XXXX University have been very uncooperative and unsupportive. 
I feel as though they has rendered me of my future career and useless degree, where I am not able to prove it 's recognition to the XXXX XXXX XXXX XXXX has not beencooperative. Having given these loans, through XXXX, I feel that they have not supported me in any way now and that some form of redress and compensation should be made for injury to feeling and financial distress caused over many years. 

Therefore, I am asking for this case to be reviewed by a senior Ombudsman for causing me inconvenience, Financial distress and injury to feeling. That XXXX University have not been reasonably cooperative to my requests and all in all to be compensated for blocking my career. 

I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Yes I got an alert from XXXX XXXX saying I had some hard inquiries recently. The two I do not recognize or did not give consent were both on XXXX XXXX, 2017 from XXXX and XXXX. I 'm not sure where they came from or how they obtained my information. I did not authorize them to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX showing on my credit report was filed in Bankruptcy court on XX/XX/2013, and discharged. They are reporting inaccurate information.

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 11-04-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted Id theft affidavit with police report from accounts that were opened fraudulently it has been over 90 days and equifax has yet to remove these fraudulent accounts off my credit file. They have only added a fraud address to my credit file that I never lived at please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Bayview I am continuing modification process from prior servicer XXXX 
I am concerned as to if there is a sale date or not, as conflicting information is being received. 
The trustees confirmed the sale date is suspended on the record. 
I received different information from Bayview. 
I want to keep my home. 
If you would assist me in making sure all parties have the same information Bayview XXXX XXXX Company Bayview stating I must sign a new assistance form with Bayview before modification can be complete- I received form XXXX/XXXX/2017. 
Bayview letter stated if there was a modification in review with prior servicer - the modification would continue. 
Has Bayview received mortgage records from XXXX XXXX XXXX. 
I am confused on the process at this time receiving conflicting information. 
Would you confirm if prior servicer has forwarded a complete file I appreciate your time greatly

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Auto) with NELSON AND KENNARD (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I filed BKXXXX on an acct. They previously put a lien on the property. I contacted the debt collection attorney office. Nobody wants to return my call and They say nobody is authorize to give me an acct number or name of the creditor. They keep referring me over to somebody who does n't want to call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, There is a problem with my loans. They are inaccurate, and there are promissary notes that have note been signed by me personally. There needs to be a full investigation regarding this matter. This also includes, XXXX XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am deeply disturbed by the recent news that the Navient, formerly XXXX XXXX is going to be subject to enforcement action by the CFPB due to their business practices. Both my wife and I have a consolidated account with them and want to pursue assistance to deal with the unfair and deceptive business practices of that company. We consolidated in XXXX under duress and with no options or discussion of the impact of that decision. Due to our financial situation at the time, we were told that deferment would be the best option and at no time was any income-driven plan discussed for repayment. We spent MANY hours on the phone between XXXX and XXXX in attempts to resolve our situation, or work out a solution, but it is clear there were other options that were not discussed. In addition, because we consolidated accounts as spouses, we are not able to apply for public-sector forgiveness that is available to others working in our same jobs, solely due to the fact that we consolidated under the direction of XXXX XXXX. Between XXXX and XXXX we accrued interest and late fees totaling approximately {$20000.00} as our balance in XXXX was {$58000.00} and in XXXX it was approximately {$78000.00} ; we have been working to pay that down since then and our current balance is {$71000.00}. I am requesting your assistance to reduce our loan amount due by that amount as we have suffered excessive charges that would not have been applied to our account had this matter been discussed. Finding proof that XXXX/Navient appears to have deliberately acted in ways such as this is sickening as it directly impacts our family 's financial future. Thank you for your assistance.

Company response to consumer: Closed
Consumer complaint received 11/14/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX/XXXX/2015, I contacted Equifax concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made Equifax aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that Equifax had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. Over the past 3 months Equifax has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: On XX/XX/2018 I was scammed XXXX.. I called Wells Fargo for them to stop the payment. They told me they can not do anything and I have to reach out to the recipient which I did and I did not get a response. I called and text the number was no longer in service. This is so frustrating because my bank should be able to stop payment and help me out with this transaction. The transaction was with my bank Well Fargo through 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 monetary relief
Consumer complaint received 05-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (DE).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: As a point of reference today is  XXXX . I recently wrote a  XXXX  $ check for a friends wedding and post dated it  XXXX  because I would not have fund in my account until my employer paid me on that date. However, I woke up with an alert saying that my account was overdrawn by  XXXX  $ ( Inclusive of an  XXXX  $ overdraft fee ). So naturally I looked at my bank statement and saw that my check dated  XXXX  was cashed and is the reason for the overdraft. When my banks support function opened this morning I gave them a call and they said that it does n't matter when you date your check, if the recipient deposits it they will release funds. At that point, it was clear the bank was n't going to do anything so I hung up and came to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2014 the servicing of my mortgage was sold from XXXX to Setrus Inc located in XXXX, CT. I had sent in a payment on XXXX/XXXX/2014 that was received by Seterus for the XXXX/XXXX/2014 payment This is verifed by Seterus Inc . They are stating that there was a fee of {$87.00} dollars assesed from XXXX that was deducted from my mortgage payment and the rest was applied to a suspense account. When the next payment was received on XXXX/XXXX/2014 for the XXXX/XXXX/2014 payment it was instead applied with money in the suspense account to make the XXXX payment which I believed was already made. This in turn has started a domino effect of my payments consistantly falling in the 30 day behind range. I have spoken with representatives from Seterus numerous times and have gotten nowhere. I am trying to refinance my property but because of this incorrect applying of my payments I am being denied by current lenders because of my mortgage payment history. I have made a paymnet every month from the inception of my mortgage and will continue to do so. Please assist in getting this mistake corrected as I have had no success in dealing withthis company. I am a retired veteran and believe I should be getting some help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I took a private student loan out with XXXX XXXX in XXXX. I was in deferment of this loan until XXXX/XXXX/XXXX due to half time school status. In XXXX XXXX of XXXX, the loan was bought out by Wells Fargo. By XXXX XXXX, I was told that i was already {$230.00} past due. I have record of payment for XXXX through XXXX with the request of a forbearance in XXXX XXXX. With no word on forebearance I continued to struggle through payments. However, payment was made in XXXX and XXXX and on XXXX XXXX XXXX, I was defaulted. I worked with them to rehabilitate the loan despite continued hardship and the deferment of my other federal loans. I have record of payment to rehabilitate the loan from the XXXX after deferment to XXXX. In XXXX of XXXX, the loan was sent to a collection agency ( XXXX XXXX XXXX ) They offered to settle out for {$8400.00} which I did not have. I told them my financial income and expenses and said I could make payments of {$150.00}. They would not agree to this and continued to harass me until the following XXXX XXXX XXXX ). Messages for this debt have also been left on my phone for a XXXX XXXX. The loan was then passed off to a second collection agency which also harrased me and tried to take {$2000.00} from my checking without authorization. My bank denied the transaction. Harrasment became so bad and they were so unwilling to set up a payment plan that a cease and dissist letter was written so that they stopped contacting my employer. Since XXXX of XXXX, I have worked to try and continue sending payment. However I have no access to my wells fargo account online and neither the collection agency or wells fargo will return a call. The money I have sent is continued to be cashed but i have no way of seeing how much is owed ( if any ). Therefore, I have no way of settling out or continuing to make payment and know that it is being applied legally to the loan. Despite any past hardship I might have had, I paid this loan in accordance to the promissory note terms and feel i was illegally put into default. Regardless of the default I am now able to pay this loan but currently have no way of knowing where my money is going and what is left to pay. Any help is appreciated!!! I am working hard to do the right and honest thing.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX is not reporting the correct balance, last payment dates nor that the account is included into my bankruptcy. I disputed with Equifax that the information is incorrect and I have proof of the payments and the dispute results were its not listed as repo. I know its not listed as repo because it is included in my Ch XXXX bankruptcy and has received payments every month since XX/XX/2014. The incorrect reporting is affecting my ability to obtain a mortgage and Im trying to get it fixed. Equifax did not contact the creditor with my dispute. I would like this information removed as it has been reporting the wrong information for over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting incorrect information such as terms, amounts, balance, origainal balance to transunion.

i have asked to send contract that bears my signature no response.

they have been asked to verify no response but keep increasing there balance on loan monthly and when challenged.

Transunion also has fail to verify information and provide such information to me on several attemps to resolve this XXXX, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.

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 10-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I purchased insurance with this company in XXXX 2013 and cancelled due to there were not able to cover my home insurance policy. At which time I submitted a letter of cancellation and paid a the final payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen refuses to take late payment. Wont allow payment plan. 
refuse to negoitiate lower interest rate since they acquired loan. Extremely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Info is incorrect on my report

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Under Public Record Information : All my credit reports are showing this information, A Chapter XXXX Bankruptcy which shows it was Dismissed which in fact it was not, further more I never filed a chapter XXXX bankruptcy and after contacting the bankruptcy court myself they told me removing this information off of my credit report is the credit companies responsibility not theirs. I have tried and failed to get the credit bureau 's to remove this false information off of my credit report so now I 'm needing a higher authority to help me get this information off of my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Lexis Nexis reported a judgement against us that was a total error. They obviously did not even read the judgement as someone sued us as well as many other named defendants. They got a successful judgement against only one of the many named defendants which was not us. I have tried to contact them several times to get this corrected. The number listed on the credit report was not a useful number and you could not reach a person or leave a message. I looked up and called 2 other numbers to no avail. This cost us a mortgage refinance and is infuriating that they apparently have no responsibility to even read the judgments they receive before posting them to peoples records. When I spoke to a manager he said they advise that their information may not be accurate but that is my problem not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I previously had cable services thru XX/XX/XXXX with XXXX. Upon moving in XXXX XXXX, I lost a cable box, therefore, I was being billed for the box. I finally found the box in XXXX XXXX and called XXXX to see if I could still return it. I was told that once I returned the box, my balance would be {$0.00}. I returned the box on XXXX/XXXX/XXXX at their XXXX, TX store. I have attached the receipt given to me to reflect the return. After returning the equipment, I never received any calls nor notification from XXXX that I owed anything else. 3 years later, I noticed that a collection account by SW Credit was placed on my credit bureaus for the {$200.00} that was previously owed before I returned the box.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have previously disputed this information with XXXX  however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : Capital One - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation