milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My online payments to Navient take days to weeks to be processed and my account is listed as past due and reported on my credit rating as late payments. I am also paying early in the billing cycle so more of the payment is put to the principle of the loan. With it taking so long to process payments I end up paying more on the interest than principle. I have sent dozens of emails to ask to resolve this issue and have only received " we 're working on it '' messages returned. Making a phone call is useless as you are put on hold for long periods of time and never get to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Payday loan) with CAPITAL ONE FINANCIAL CORPORATION (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: There is a number that keeps calling me and my family members requesting I call them with a claim number ( XXXX ). I have called them back twice. The first time I called they answered the phone " legal department '' the second time I called they said " mediation department ''. They claim I owe debits to a payday loan company from several years ago. I have never done business with any of the companies they claim I owe. The stated if I did not pay the " settlement '' then legal action will be taken against me. They could not provide further informaton about the loan in question. I do not owe this debt and they continue to call me and my family members. I can not get them to stop. They do have my personal information. When I asked them the name of company they work for I was told it was XXXX XXXX out of XXXX Maryland I do not know how to get them to stop and protect my information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on Transunion and XXXX. I have disputed it many times but nothing has changed. Then on XX/XX/XXXX the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/XXXX they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were 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
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I called Trans Union in regards to the glitch that happened last summer in 2016 and again in the beggining of the year 2017 where inquiries were deleted and then re added back to my report illegally due to the fact no one notifed me in writing within the 5 days. These inquiries add a hardship and my rights were violated! Please fix this as I feel victimized by trans unions tactics.

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion removed inquiries then reapplied them back to my credit report.I called them about this matter and they said there was n't any record of this in there system, even though they are reporting these 13 inquiries again.The Transunion employee said there was nothing she could do to help me with this matter.So I decided to file a dispute with you hoping you could help me resolve this matter.Thankyou for any help you can provide.

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 08-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company continues to charge my account for not having insurance. However, I faxed proof of insurance to the company and the insurance company notified the mortgage company that an active policy. After several conversations, the company continues to charge my account for not having insurance. Further, the company continues to conduct an analysis to bring the account current. However, they have failed to do so. XXXX, Supervisor, stated that they will complete analysis. The analysis was promised by XXXX to be completed in XXXX. On the contrary, it was not completed as of XXXX 2016. An analysis is not appropriate. The payments should go back to the original amount. They are reporting me delinquent to the credit bureau. After several calls and months, they are still refusing to adjust my account and are demanding that I pay for their insurance. They sent back my XXXX payment and put a lock on my home. 
My escrow account was depleted and the funds, as I requested were not placed, due to the error that the mortgage company made. Despite several requests to make the needed corrections, they refused. My husband is a XXXX veteran who is XXXX and I 'm a retired school teacher who is on a fixed income. I can not afford to pay more money than required. They are trying to intentionally foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: In XX/XX/2016 I started getting monthly service fees on my Bank of America account. I have had this account for over 10 years and the only thing that has changed is I have been paying my debt down and some of the loans were sold to other companies. No disclosures were mailed to me to notify me of this sudden change. When I requested a research and fee reversal - my request was denied. I demanded a name of the manager or regional manager - that was also not given to me. I was told that there is no manager at this time at the location I went to. 
This was in XXXX, WA banking center on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Vehicle loan or lease (Loan) with CHARLES SCHWAB CORPORATION, THE (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I used  Charles Schwab  's Bill Pay to make payments on a  XXXX   XXXX  loan that I had paid current since  XXXX . In  XXXX   XXXX  I set up the account to autopay the loan through the loan 's final payment in  XXXX . Instead of doing what it was supposed to do, the system overrode the date I put in and set  XXXX   XXXX  as the final payment date. In  XXXX   XXXX ,  XXXX   XXXX  sent a letter threatening collections, and that was when I first became aware that  Bill  Pay had failed. I paid the loan payments current, and then had the  Schwab  rep get on the phone with the  XXXX  rep. The  Schwab  rep said that the error was likely a  Schwab  system error, but refused to send a letter or email to  XXXX  because of legal liability issues. Apparently this is an issue they are aware of and are trying to limit liability with very little thought as to how it harms customers.  Schwab  now refuses to admit its error and instead is telling me that I put in the wrong date. They did not review their system or provide any evidence to counter my witness testimony.     My husband 's  credit score  was negatively impacted, and our interest rate on our new home ( closed in  XXXX   XXXX  ) was adjusted upwards as a result. The additional annual interest charge is over {$2000.00}, and we are requesting that  Schwab make us whole on the increased cost. My husband and I gave ample warnings about the effect of  Schwab  's erroneous reporting, and were consistently ignored.     The contact at  Schwab  is  XXXX   XXXX , Managing  Director  - Banking Operations at  Charles Schwab  Bank. Her phone number is  XXXX . She has refused to discuss my account with my husband even though it is his credit that was affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Empowerment Ventures, LLC (NY).
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: Starting around  XXXX   XXXX , some strange charges began to pop up on my accoun t. ( I Have A  RushCar d ). B eing the product of a scam months ago i have n't felt safe enough to open up another card with another financial institution so i decided to go prepaid for a while & boy was that the worst idea ever!!     Sine  XXXX   XXXX  there have been multiple other charges on my account to other establishments and in the end i ended up losing at least {$300.00} in this process. I have repeatedly tried to contact RushCard via email & phone for 6 days now and i still have n't heard back from anyone in regards to this situation. I 've found more luck in directly calling the establishments themselves. I have bills to pay and since i cant speak to a representative i now can no longer pay my bills and that is unacceptable because I have a  XXXX   year old who  needs things!!!     it is so distasteful that rushCard has a phone number but does n't give you the option to speak to a rep & even after using their suggested ways of contacting the company you still get no one. i need this to be resolved and i will probably NEVER USE RUSHCARD AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Closing on a mortgage

Complaint: I was told I needed {$2200.00} for my down payment/reserves. Now they have changed it AGAIN and are now requesting {$3000.00}. This company keeps changing how much I need. And have done so multiple times. My original amount included my homeowners insurance and now they are jacking up how much they need. This is like the 4th or 5th change in how much I need to close. I am supposed to close on the XX/XX/XXXX and now because they are pushing for more money, I will not be able to close in time. I have the XXXX. Because that 's what I was told I needed. Im seriously getting sick and tired if being XXXX around. I have reported this company to the FTC. And will continue to file complaints because what this company does to clients is absolute garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I called and to let them know that I did n't have a job. I wanted them to put my loan in forbearance.They told that they could n't do that that, I would have to repay no matter what my circumstances. Not only was the agent nasty but down right mean. I had to agree to a repayment amount which I clearly could not repay. Even after I went over all my bills with the agent.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Trouble during payment process

Complaint: I am a XXXX XXXX XXXX Veteran. The State of Florida has made totally XXXX veterans 100 % exempt from property taxes. Freedom Mortgage is escrowing for property taxes and wo n't stop! I moved in on XXXX/XXXX/XXXX and have made 3 payments to Freedom Mortgage. I have called them over 10 times and sent in proof of my tax exempt status 5 times! Everyone says they will fix it and they do n't. I ca n't afford this extra burden and my XXXX is making it difficult to go thru each day. 

Freedom Mortgage was caught by DOJ scamming before. 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I received a collection notice from XXXX XXXX XXXX in which I disputed with the creditor on XXXX XXXX, 2016. I provided documentation from the original creditor advising that the amount and information provided by the original creditor was fabricated. To this day, I never received a response from the collection agency validating my dispute. Therefore, the Texas XXXX XXXX XXXX XXXX which requires the collector to validate the debt within 30 days and if the creditor does not respond within 30 days, the debt is considered NOT VALID and must be removed from ALL credit files and further collection action MUST cease. 

During the dispute process-the collection agency continued to collect on the account by calling me once and reporting the account to the Equifax. In so doing, they not only violated the FCRA, FDCPA, they also violated the Texas XXXX XXXX regarding collections and credit reporting. 

I immediately disputed the account with Equifax , providing them with the dispute to the collection agency and the documentation that was sent. I also informed them that the collection agency has NOT validated the debt as required under Federal and State Statutes. Equifax processed the dispute stating that they verified the debt is being reported correctly and that they verified that it belonged to me. Unfortunately, this is not possible if the collection agency was unable to validate the debt with me within the 30 day required time under the law. Equifax has continued to aid this collection agency in breaking the law and has now also violated my rights as a consumer under the Texas XXXX XXXX by continuing to report a debt that was not validated under Federal and State law. This debt is fictitious and Equifax is just as responsible for continuing to be in the violations of the law as the collection agency by keeping it on my file. 

A separate complaint against the collection agency has been filed with your office.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, Ditech, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. Ditech then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Other banking product or service) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I am a XXXX.ilive in XXXX i have a checking account and a saveing account in HSBC bank. I remited {$300000.00} to an XXXX account for investment in XX/XX/XXXX. But some mistakes occurred. 1 this is the fist time to use HSBC wire transfer, I already selected usd as currency as transfer currency. But the money remited to XXXX is XXXX. I thik it is caused by the internet seting. I finish fist step click the next step.the page automatically turn back and the currency changed to XXXX. And mean while there some other thing not crrect or not finished framed by red line. But the currency selection changed automatically and had no red line frame. 2 after almost 2 weeks my HSBC bank manager call me to confirm the transfer, I already told her the currency is USD, but HSBC did not mention me is XXXX. 3. The money reach The account transfer to. At XX/XX/XXXX. HSBC told me .HSBC told me the money stay the third bank ( in XXXX ) more than 10days. the transfer let me lost more then {$4300.00} in currency exchange, and cause me ca n't finish my contacts in time.I also have to compensate the investment. I am a XXXX ( XXXX XXXX ) My phone NO is XXXX. My email is XXXXXXXXXXXX. Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (Medical debt) with Automated Accounts Management Services (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please see attached document

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/XXXX, I requested my credit report and became aware of a Sears Credit Card account that was opened under my social security number. The account did not have a balance, but did have a credit line of {$8000.00}. I never applied for any credit from Sears and the account was attached to an address across the country where I have never lived. I initially disputed the account with the credit reporting agency and was told that Sears claimed the account was mine. I proceeded to call Sears to dispute ownership of the account. I was assured by no less than XXXX different people from customer service, fraud, and credit assistance that the account was indeed closed and that absolutely no charges could be made. I asked to see the application for the opening of the account and was told that was not possible. I was told that I would receive a letter stating the account was closed but after three attempts, a letter never arrived. 

I viewed my credit report XX/XX/XXXX and saw that the account was indeed still open but had only a {$2000.00} credit line. I called Sears and was told that their " investigations '' department had reviewed the matter and since there was no balance on the account they reopened the account and reissued a card to the address I have never lived. I have to admit, by this time I was livid because I was being treated like I was trying to get out of paying debt when in fact there was no balance on the account. I asked how they could reopen an account that someone claimed did not belong to them and was treated very rudely. After going round and round with an associate from the fraud department by the name of XXXX, I was told that it was n't fraud it must have been my account and he transferred me to another customer service associate who once again told me the account has been closed. I was told again that I would receive a letter stating the closure, but once again I have still not received. I once again asked to see the application for the account and was denied. 

I want this account removed from my credit report for all XXXX credit bureaus, as well as the address across the country it is attached to. It is not, nor has it ever been my account. I want to see the application for the account because if someone has signed my name to open an account I need to initiate the correct legal action. Currently, I am at the mercy of Sears hoping my credit remains safe because I can not be sure the account will remain closed and more cards will not be issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: XXXX has sold a debt they believe to be valid to a collections agency. That agency has repeatedly called me at approximately XXXX, well outside of acceptable times. The collections agency claims they are calling based on the phone number on the account being a number located in the XXXX Zone, but the account with XXXX has always had, and continues to have, a mailing address in XXXX, CA, located in XXXX XXXX. There is no reason that the collections agency should be contacting me outside of XXXX to XXXX XXXX XXXX, given that they clearly have my correct address and location. 

As evidence, I have presented a screenshot of recent calls over a 2 day period from the number claiming to be the collections agency. If necessary, I can provide evidence through XXXX XXXX XXXX current provider of the phone number being called/harassed ) of dozens of calls, every weekday for several months.

Company response to consumer: Closed with explanation