milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I took out student loan with XXXX. It was for XXXX. But after about 3 weeks and XXXX allotment of XXXX was paid to school I got JOB with XXXX and no more money should have gone to school. I ignored it, then in XX/XX/XXXX is was injured at work and was placed on XXXX and my income dropped below poverty line and in XX/XX/XXXX I took XXXX loan discharged from XXXX. Then in XX/XX/XXXX XXXX XXXX started billing me for total amount of loan XXXX. I sent copy of discharged loan then XXXX and XXXX bought loans and they have been reporting on my credit report and ruining my credit. They continue to call me every morning eastern time. I live Pacific time. I have reported to XXXX and they show XXXX balance as it should and then it shows XXXX with late payments and XXXX balance. I also reported FRAUD against school

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Bank account or service (Savings account) with PNC Bank N.A. (NJ).
Issue: Problems caused by my funds being low

Complaint: I had an account with PNC Bank. I was given checks by a family member, which I then deposited in each of my PNC accounts ( Spend, Reserve, and Growth ). Then, I was informed by the family member that he thought he grabbed the wrong checkbook, and used one of his old accounts. So I knew the checks would be returned. I called PNC to notify them and also stopped into my local branch to notify them. I had used {$200.00} of the funds made available immediately. However, the bank had placed a hard hold on my account when I found out as I tried to deposit {$500.00} through the ATM to make sure that my account did n't go into a negative balance. The ATM would n't allow me to make the deposit, so I stepped inside the branch to do so. I asked the bank employee to make a deposit in each account and she told me that she would just deposit it in the spend account ( which did not have a negative balance ), and transfer it over to the other XXXX eventually. After a few days, the money was still not transferred over and the bank had started charging me c '' continuous overdraft '' fees of $ XXXX per account. I contacted the branch and they reversed the fees. However, on the day after the reversal, the bank charged me continuous overdraft fees once again, then closed the account. When I called the branch to tell them, they said they ca n't do anything about it because it 's closed and offered me a {$20.00} stop & shop gift card. When I spoke to their closed accounts department, they told me they ca n't reimburse me because they already gave me courtesy reimbursements. Now, I would never have in tired those fees if they 1 ) had n't put a hard hold on my account, and 2 ) the bank employee was n't too lazy to write out XXXX deposit tickets so I could make a deposit in each account. I do n't mean to make a XXXX over {$14.00}, but there 's no reason they should have it for something that was in their control. I had enough funds in my spend account to cover the negative balances of the other XXXX accounts, but they would not transfer it over.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: I had a Citibank checking and savings account. Apparently, there was some form of overdraft protection ( in the form of a line of credit ) on the checking account. I was in the process of buying a new home with XXXX XXXX as the lender. I was attempting to liquidate my checking and savings with Citi and move all of my money to XXXX. On my online account, the available funds in the Line of Credit appeared to by positive money owed to me. So, I moved the money that I thought was mine to my checking account and proceeded to close the accounts. I had trouble closing the accounts, as can be confirmed by multiple calls to the Citi customer service unit. Please note - there are NO branches in my state and it appears as though the branch I started the account in is closed as well. This is very unfair and confusing for a consumer. Eventually, the accounts were liquidated/closed. However, it appears as though what I thought was an available balance for me, was actually a line of credit. It was ~ {$150.00} ans was reported to the credit bureaus as delinquent. Now, my otherwise perfect credit history has been negatively impacted. Look, this was not a loan to me that I did n't repay. This was just a confusing feature on my account that I did n't even know existed. I was never notified - no one called me, no one mailed anything to me - regarding this ... it just showed up on my credit report one day. This is not an act of non-payment. This is solely customer confusion caused by the online account, absence of branches, and an inability of an offshore call center to assist a customer.

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 06/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I had  2  pay day loans from  2  different companies and paid  1  off because they threatened to get a judgment against me and garnish my wages. So i made  5  payments and on the final  1  they waited almost a month to get back to me and stated that the reload it card I sent was invalid and that I had to send another payment And on the other pay day loan same thing but I have only made  1  payment. Ahould I continue to make the payments. And can they garnish my wages

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a civil judgment on my credit report that is not mine.

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 06-01-2016 about Debt collection (Auto) with Roosen, Varchetti & Olivier, PLLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have a judgement against me concerning an auto accident I had and the law firm has garnished my wages so the debt is being paid. My complaint is that the law firm is n't reporting the payments to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Late fee

Complaint: Chase sent only past due notices, but never a statement prior to being past due. When I cancelled my card they took all the bonus points off but did not take off the late fees as promised. Then they started calling my place of business because they were adding more late fees even after I had cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Home equity loan or line of credit) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We have a number of accounts with 5/3 bank. The staff always has been aggressive in selling products. In 2004 a loan officer approached us about equity lines. Long story short -- worst mistake EVER. We took out equity lines on our free & clean homes. Appraisals were flawed & the loan officer misrepresented some information. We know now of course we should not have done this!! This was during the wild west lending period. I wish we could say we took lavish vacations or bought expensive cars -- No we put the $ $ back into properties. We have been paying on these lines for 13 years -- we are now in our XXXX 's -- can not sell for what we owe!! We are having an impossible time making these payments. This situation is ruining our health & causing sleepless nights. We would like 5/3 to reduce the balance owed on these properties. Here is the last straw -- I put this all into writing to 5/3 & went to submit & their website said " technical difficulties -- could not submit '' Grrrr PLEASE HELP!!! XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX  Account XXXX Unverified, Inaccurate or Not Mine

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently found out that I have a lot of hard inquiries on my credit report. These are not factual reports I did not give consent nor did I give them permission I put a security freeze on my account off and a security lock on my account this morning I have contacted the company I noticed I gave them my full social security number my address my phone number all of my information and they could not find any account that was opened or attempted to get open however this company indicates and shows up on my credit report on all 3 credit bureaus. I am asking that this gets removed from my credit report within 30 days or I saw seek legal action. XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX here is the second complaint. 
XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number 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 non-monetary relief
Consumer complaint received 12/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NE).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed the validity of multiple accounts on my credit file. I requested validation of the debt being collected directly from the creditors and from Experian. Experian is not properly verifying the data from the furnisher as I have not received any documentation from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX Additionally XXXX and XXXX are collecting the same debt but reporting them with slightly differing amounts due and opening dates, this should have been corrected during Experian 's original investigation. I attempted to resolve this through their online platform, however ; my request was denied due to " duplicative disputes ''. 
Finally Experian is the only credit reporting agency still reporting the XXXX despite the company 's request to withdraw the information from my files due to their inability to validate the 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
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Unverified account on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit reports it is showing XXXX different company names XXXX and on the other XXXX. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XX/XX/XXXX and the other is showing XX/XX/2012 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, EXPERIAN, 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 07/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had started to make weekly payments back in  XXXX , for {$50.00}.
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A total of 36 payments had been made, equating to {$1800.00}.
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There was then a repayment fee applied??? Thus, I was penalized for making payments on this loan: XX/XX/XXXX  -- Repayment Fee -- {$340.00} I had made numerous calls around that time to discuss the payments that I had made as well as the repayment fee. I could not get any assistance, nor see any of my payments being applied. There is no indication that any of my payments have reduced my principal balance.
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I had noticed another " repayment fee '' that was applied prior to that :  XX/XX/XXXX  -- Repayment Fee -- {$370.00} I had also questioned this, and was not able to get any explanation.
The account is riddled with random fees, such as " insurance premium '' and " adjustment ''. There is absolutely no explanation/indication as to what these fees are. Moreover, I am being penalized for making payments on this student loan?
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Again, I had just made a payment on  XX/XX/XXXX  for {$100.00}. This payment was not applied to principal. The entire payment was applied to interest. There is no indication of how this payment adjusted the total balance of the loan. The total balance of this loan has continued to grow, despite making the {$1900.00} payments indicated.
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It is near impossible to get a hold of customer service agent. If one is able to get a hold of an agent, they do not provide any information/clarification as to what is happening with this loan. I am being taking advantage of by this company in a very egregious way.
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The loan did not go into repayment until just now, indicating that my first payment is due on  XX/XX/XXXX  for {$37.00}. I do n't know what to do given that all my prior payments have disappeared -- and I was additional penalized by making these payments before the loan was due. This is absolutely unheard of -- and frankly an abusive practice.
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I have yet to see any of my payments being correctly applied to this loan, as well as yet to receive an explanation on all the " miscellaneous '' fees I am seeing being applied to the outstanding loan balance.
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My unpaid principal balance is showing higher than the initial loan amount. How is this possible?
Original Principal : {$10000.00} Unpaid principal :  XXXX  Unpaid Interest : {$570.00} Again, none of the payments I have made over the life of the loan have been applied. This was previously a  XXXX  loan, and there were payments made during that time as well. I have contacted my bank to obtain statements showing the payments made prior to the loan being sold to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: this loan originated in  XX/XX/XXXX . I have made consistent payments since  XX/XX/XXXX . almost 10 years. Variable rate loan. I have made late payments but the payments have been made monthly with a few exceptions. The balance never goes down, For the original  XXXX  loan I pay arou nd 96.00 p er month. the pay off date is  XX/XX/XXXX . Every time I request a payoff the balance is the same, Just over  6k. NAVIENT h olds the loan. I have asked customer service repeatedly about this problem and requested payment histories to no avail. They say its the interest. I was told 2 years ago I should start seeing the UPB go down I have seen little to no no decrease. I have heard that Navient previously  XXXX   XXXX  have used questionable billing tactics in the past and I just want to know if my payments are being applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a currently a XXXX ( not working ) and XXXX. Ten years ago The State of California Department of Rehabilitation and I entered into an agreement that they would retool me for working from home. In the process of their program, I ran to the limit of Federal Education Loans, and took a Private Student Loan from Sallie Mae. The State had promised to find me work upon completing their program. My XXXX conditions worsened, and the State of California released XXXX XXXX individuals ( I being one of them ) from its program to " save money '' for the State ( at that time in bad fiscal condition ). My Federal Loans were forgiven as part of my deteriorating XXXX situation, but Sallie Mae would not forgive my loans based on the fact that I knew I was XXXX when I applied for the loan ( even though that was not a factor in the application ). When I explained that my health had continued to disintegrate, they refused to accept this despite letters from my medical providers. My loan continues to grow with fees. I have no savings or any means to repay XXXX or settle with them. Also, I now have the XXXX loan on my credit report. This is a very black mark as I am definitely not a shirker of my responsibilities -- having once been an educator at the university level. I repaid my earlier XXXX loans. However, my current income ( {$1600.00} a month ) is hardly covering my living expenses. I did not get the opportunity to try to work because of the economic downturn. I had to go bankrupt because of accumulated medical expenses from the period that I could n't get insurance because I had preexisting conditions. I am an XXXX XXXX, and I ca n't get any kind of credit line to boost my credit worthiness ( for renting ) because of the bankruptcy, and, more significantly because of the student loan non-repayment. Sallie Mae has been horrible about this ( well-documented by others in a similar position ). I am now " in collection, '' but have nothing they can levy. I have been unable to work since 1995, and the State of California 's rehab opportunity that they would find me work did not materialize. I feel Sallie Mae has violated my rights as a XXXX individual. I have stopped communicating with them as it seems a hopeless situation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Taking out the loan or lease

Complaint: GM Financial has a fraudulent account in my name. They 're refusing to remove it from my credit report after I 've provided them with my identity theft report and identity theft affidavit. I did not open this account or apply for it. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an XXXX landline phone account which I had closed around XXXX XXXX. In XXXX XXXX, I get a notification ( in the form of a bill ) from XXXX that the same phone account has been reinstated, without my prior knowledge. I file a complaint with XXXX by calling their customer care representative. I am told that I wo n't owe any amount and that it will be taken care of. 

However, a few months later I got another inflated bill ( without any explanation of the charges on the bill ). I called the XXXX customer care again and they said the same thing that they will take care of the charge. 

In XXXX XXXX, I receive a letter from XXXX collection agency alleging that I owe XXXX for the above mentioned account. When I called the XXXX customer care representative, he mentioned that XXXX can not do anything at this point as the debt has been sold to the collection agency. Hence, I disputed the collection claim in writing with the collection agency saying that I do not owe this amount and I will need detailed documentation validating this claim. I do not hear from the collection agency again. 

In XXXX XXXX, I get a phone call from another collection agency named XXXX mentioning that I owe the alleged debt amount and I should pay it right away on phone or else it will be sent to the credit bureaus. I told them that I am disputing this alleged debt amount and that I should be sent detailed documentation validating the debt amount. They called me again threatening the same thing and I reiterated to send documentation for this debt. There was no further communication from them, either in writing or on phone. 

Now in XXXX XXXX, I see that there is a delinquent entry in my credit report from another collection agency called IC System. I have never heard of IC System before and have never received any communication from them. 

My credit score has suffered because of this entry and I fear that I may not be entitled to a loan or at a better interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have disputed all inquries on my credit report as ones I dont recognize and Equifax has chopsen not to respond to my inquiry within the allowable 30 day time fram per FCRA. As a result, I would like them removed due to no reponse from them.

Company response to consumer: Closed with explanation