milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had a portion of my student loans serviced by Navient and was originally on Income Based Repayment due to the very large student loans I have from XXXX  XXXX. I was notified by Navient in XXXX that my loan with them was not eligible for IBR anymore and they refused to take into consideration by total loan amount from school. Due to the refusal to keep my loan in IBR, I had to consolidate my loans with another loan servicing agency and lost approximately 3 years of IBR status and had to start all over from XXXX which can total over {$30000.00} in payments and additional compound interest as the resulting principle with grow for those additional 3 years before they are forgiven under the IBR terms.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with DISCOVER BANK (NJ).
Issue: Credit determination

Complaint: Discover card approved my application for credit. After mailing the credit card, they are saying that the application should have been denied due to the previous account being revoked. I made my payments on time for the previous account and Paid the account in full. The previous account was closed because of too many disputes. 
That 's what Discover told me. 
The payment verification team put a hold on my newly approved account and now, I have not even been able to use it since I opened it. 
I feel discriminated against and I am being denied credit when I am legally approved for it!

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I called transunion regarding a bankruptcy on my report and i was speaking to an overseas rep, XXXX , XXXX, regarding this issue. i explained to her that if info on my report cant be verified it needs to be deleted. i stated a bankruptcy is public record and ca n't legally be verified. i stated the NJ courts stated they do not report or verify information and the information is public record on public access to court electronic records ( XXXX ) and i contacted XXXX by email and they responded XXXX  does not verify federal case information and all information gathered from XXXX is public record and may be reproduced without permission, XXXX customers assume all responsibility and consequences. XXXX XXXX then stated the information was given by the court. i asked her is she telling the NJ court released my information and she stated yes. i asked to speak to a supervisor and was disconnected. i called back and spoke to an overseas rep, XXXX. XXXX, i explained the same above information and he stated that there are vendors that receive this information and go and verify the information and i asked how do they verify the information. he could n't answer. he stated the fcra states the bankruptcy will remain on my report for 10 yrs. i asked can he tell where that is located, im on that site. he said i do n't know where it is located, i should look it up. connected to a US rep that put me on hold and came back on the phone, phone was messing up. she was talking about me to another rep and when she realized she put me on hold than disconnected. 4th was a US rep that explained the process of verification consisted of someone coming to NJ to look at the public records. i explained the records are with XXXX and you pay for access. i asked her to send me the records transunion used to put the bankruptcy on my report and she couldnt. no legal verification the information comes off my report. i need the bankruptcy removed immediately. i asked if these calls were being recorded. the first 2 and the last stated yes.

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 10/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with Activehours (TX).
Issue: Can't contact lender or servicer

Complaint: Active Hours said it would take up to 3 days to verify my bank account, and it 's been a week now. They deposited XXXX small amounts into my account to verify it is a real account, and still it is unverified, and I 'm also pretty sure the amounts have already been withdrawn by now, so it should have finished verifying process.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (I do not know) with Client Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX XXXX against Client Services for Client Service 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Basically I 've been keeping an eye on my credit report since I fired XXXX XXXX, however I 've noticed that I have a total of XXXX inquiries on my Experian credit report and I never applied for credit all these times. I was told by a XXXX XXXX Representative that in order to increase my score I had to get more credit and he 'll help me out with that. To sum it up I started receiving credit cards and I assumed it was because my credit was getting better. Long story short I 've seen the inquiries but I assume that that was because they sent me a card. But after reviewing my credit report today on Credit Check Total I had inquiries for things I did n't run my credit for I only applied for XXXX things but I see that I have XXXX inquiries. Here are the inquiries that are n't requested by me : 1. XXXX XX/XX/2017 2.XXXX XXXX 3.XXXX 4.XXXX 5.XXXX XXXX 6.XXXX 7.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 05-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NEW YORK COMMUNITY BANK (DC).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I live in a row house in XXXX D.C. We rent out a XXXX-floor apartment as a bed-and-breakfast. For the tax year XX/XX/2015 the District of Columbia government mistakenly assessed our property as being 100 % commercial property. Of course our taxes and consequently our escrow payment ballooned. The D.C. government has since corrected their mistake. The D.C. government has offered to refund the escrow overpayment to our mortgage bank, New York Community Bank ( NYCB ). However, NYCB is insisting that we, the homeowners, personally repay this escrow overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: Reference Account : USAA SECURE CHECKING # XXXX XXXX/XXXX/2015 I spoke with XXXX, one of your reps, We spoke about the recent fraud that was being investigated on my account. Unfortunately the experience was one of the worst I 'd ever had. I was treated like I had committed a crime, I was accused, badgered, importuned, plagued, and also harassed. I 'm sure he knew he was speaking to an XXXX XXXX, by my tone. His actions were unprofessional, unsympathetic, and unprincipled, His discriminatory presentation has prompted be to make a complaint with the FDIC. I 'm a victim in this situation, and this situation has caused me to very agitated, My life was stolen. I called the bank, a well-known organization to establish the status of the case and was treated like I was from XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I am being charged a {$34.00} insuffivient funds fee for check # XXXX I see this as un fair practice due to the fact that this check actually cleared way past business hours on Friday XX/XX/2017. I know this for a fact because I sent out a quickpay payment to my brother in the amount of {$34.00} at approximately XXXX. He then asked me around XXXX for another {$10.00} in which I logged in to see If I was able to lend him the money. I then realized i did not have an extra {$10.00} in which at that time the {$59.00} check had not posted. By Chase policy cut off time for quickpay iss XXXX. I see it very unfair if they are waiting for XXXX to charge checks to get a {$34.00} fee out of it. It is wrong and unfair to the consumer and point blank robbery. And im sure everytrhing is time stamped in transaction histories and log in histories so all this can be checked it is a fact. JP Morgan chase used to be a fair and convenient bank. With new policies and procedures it is not even worth to bank with them Anymore. " Courtesy refunds '' should be for clients and situations in which the client purposely overdrafts their account or has an emergency not for situations like this current one in which the financial institution cashes a bank past business hours in an unfair hour. You shouldnt expect someone to run to an ATM past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On X/XX/17 Wells Fargo withdrew money from my checking account for a charge that I do n't recognize. Maybe it should have been taken out, maybe not, I have no way to find out because I called them and they told me that it was an online transaction by XXXX XXXX and the online withdrawer had my account number but nothing else. I repeated that I needed to know what it was for and they told me that unless I stated that I did n't receive any services or product for that withdrawal, they could n't investigate the charge. I objected that I did n't KNOW what the charge was for and that 's why I contacted them. I could n't LIE and say it was n't legit when they could n't tell me anything other than that XXXX XXXX had my account number, else they could n't have made the withdrawal. I again refused to lie and asked to speak to a supervisor. She said she was sorry and they did n't do business like that - and I pointed out that they just had! She went on to create further problems. I gave her my account number over the phone and she said it was too long. I read it right off my check! Then, she told me the number she had and she had it wrong. She finally put me on hold and after waiting way too long, I hung up and called their main headquarters in XXXX XXXX. There, I was told that I should n't lie to the bank and I needed to go into a branch office so that they could call their back office and help me. Baloney! I should be able to call and get the information about that charge and it 's not my fault they did n't get all the information they should have before they took it out of my account. I told them I was XXXX and ca n't easily get to the bank, but that should n't make any difference - they should be able to give me information on money they took out of my account when I call the main customer service number - not tell me I have to lie to get that information or go into a branch so they can call their " back office '' from there. There 's something really XXXX about all this and I need some help!

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 08-03-2015 about Debt collection (Medical) with Capital Accounts, LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had a XXXX done because Dr thought there could be possibility of something serious ( XXXX ). Never was I informed that a XXXX was not covered by my insurance by anyone at Dr office. When my bill came ... a portion was not paid because XXXX do not cover XXXX. I spoke to my DR about filing an appeal then I got a call from a Collector who was verbally abusive, threatening & denied having anyone in authority I could speak to. His name was XXXX. I called Dr office and explained I would make $ XXXX/mo payments on XXXX each mo as I am on SS XXXX. She took payment and I asked her to call company and tell them I made payment arrangements with them. She did and the next bill reflected the payment made. I called the XXXX to make my pymt and she was not there ( this was today when I got my check ) and I left her a msg to call for pymt. After that I got my mail notifying me that they had turned me into credit bureau for lack of making pymt arrangments ( lie ) as the manager told me that because I made them with Dr and NOT THEM even though Dr office told them ... it was not good enough. I said well I will make my pymts and thru you BUT that has to be removed from my credit report as its a lie ... I had MADE PYMT arrangements and they had it on their records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I h ad  XXXX    XXXX   XXXX  accounts that were included in my  2013 Ba nkruptcy that was  discharged yea rs ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  XXXX   XXXX  claims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.

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 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do not owe Rent Solutions or XXXX XXXX Apartments. I have abided by all contractual obligations and have paid my rent in full covering the entire time I resided at the apartment complex. While living at XXXX XXXX, there were XXXX instances which complex did not provide safe environment : there was damage to my property and my life was in danger by theft and possible fire as a direct negligence of the management. I will retain the right to pursue legal action for compensation if this is not immediately removed from my credit reports. As the result of their unlawful claim which has been reported in my credit history, I have been denied an application to rent in California.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: They told me they would take it off my credit report which I did n't see it but the other day it 's reporting again and it says it 's been a debt since XX/XX/2016. Which it had been paid off and the debt is paid but it 's showing on my credit file and they are still reporting equifax and it 's hurting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Mortgage (Other type of mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: We did defiance with quicken loans. My inside company sent them both my policy 's and they only included one ins to our new mortgage. XXXX 2 months, I reaized it, asked me for recorded calls. They could n't find. So my payments that were suppose to e less are now, way over our head they had all XXXX during process. Is there anything we can do we are behind and in pro patio no period for a re modification to our loan, which they did n't I form we had this option till we were over 8months behind, refused my payment after I was to, d, as long as I paid before, the XX/XX/XXXX, I could.i called on XX/XX/XXXX to make payment, they would n't take it. All backpay or Nothing. Then after forclouser process was well rolling, they offfered the modification. When I feel should have been offered right away. Also the ins added an additional XXXX to our monthly payment which is crazy, as they had all the info

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX. After having 'XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for sudden XXXX. My excellent ( check the history ) credit status should be restored immediately.

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 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've sent 3 dispute letters to TransUnion. 
One on XXXX/XXXX/2016 the other a copy of the same dispute on XXXX/XXXX/2016 and now a third on XXXX/XXXX/2016. 
Since my first request ( over 260 days ago ) I have yet to see any investigation of any of my accounts in error or in question. 
Therefore, based on the bureaus blatant disregard of federal credit reporting laws, I would like all my account in error or question 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