milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I requested a payoff for my XXXX federal student loans that had a balance, totaling approximately {$9700.00}, I paid that amount in full through Navients website the same day that I requested the payoff ( XXXX/XXXX/17 ). My auto deduction payment of approximately {$480.00} for Navient then was taken out on XXXX/XXXX/2017. I was told by various Navient customer service reps ( XXXX at the main line, and XXXX at the escalated number ) that it would take anywhere beteeen 4-8 weeks for me to receive a refund for my {$480.00}, I would also not receive any interest on the amount for the duration that it would take for my refund to be applied. None of the 3 customer service representatives at Navient could offer me a refund in any time that I felt was suitable for the auto deduct that should n't have occurred. 
I disagree with Navient pulling the auto deduction because they should have been able to calculate that my all of my loans were already paid in full, however, even if it was " in process '' ( or if Navients systems are n't smart enough to realize that the loans had no balance ), it should n't take close to 2 months for a refund to be given. 
I understand that I am likely in a smaller pool of borrowers who are actually able to repay their student loans, but I feel that it is completely unethical and unfair that my money will be held for a period of up to 2 months when I do n't even owe a penny on any of my student loans, and that I wo n't be given any sort of interest compensation for my money being held for this long. 
Furthermore, Navient customer service representatives suggested that I contact my bank and request for them to stop the payment of {$480.00} due to a unauthorized transaction. While I assume that going through my bank could be faster ( bc 2 months for a refund is absolutely absurd ), my bank should not need to be involved in this refund, it should be handled in a timely fashion ( which is much less than 2 months ) by the loan service provider, Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Delinquent account

Complaint: I have been a Dillards Credit Card holder for over 10 years. I took responsibilty of paying my bills and setup for automatic payments to prevent late payments. Last year, they decided to change their banking company to WellsFargo. I had to jump all sorts of hoops to sign up for the new payments. Unknowingly, when Dillards would call about my payment being a day late I would immediately pay over the phone and was told by the representative to resign back up with the online payment center. This happened at least 3 times. While I was believing that my payments were finally going through because I setup automatic payments again by taking step by step directions from a representative. To end the story, a final and fourth representative told me every time I signed up, it was taking two billing cycles to activate. So the 2 month cycle wait kept restarting and the horror would not stop. Meanwhile, they stated I was {$7.00} dollars past due and now it was on my credit report for XX/XX/2015. I would normally send Dillards big monthly payments and would not let {$7.00} slip up. I would like to have this negative remark removed because Dillards and myself was going through a transition and I was honestly trying to do the right 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 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Enterprise Systems, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: From XXXX all times of day into evening, going on for months, did not leave messages till this week. Said they are national enterprise a debt collector. You must call back etc. We do not owe anyone. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage was originally held by XXXX XXXX but was recently sold to Chase. To mark the transfer I received a statement from each bank dated XXXX XXXX, 2015. Inexplicably, the Chase statement showed a principal balance {$500.00} higher than that on the XXXX statement. XXXX insists they provided Chase with the correct balance. I have made multiple phone calls to Chase, sent them a written request along with copies of the XXXX discrepant mortgage statements, and waited for weeks with no resolution to what appears to be a very clearcut matter. The fact remains that {$500.00} that I paid into my mortgage has simply disappeared, so not only has my money been taken but I continue to be charged interest for a portion of principal I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Federal student loan debt) with MOHELA (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My student loans were transferred to a new service provider in the beginning of  XXXX . My original provider was Mohela. My loan was transferred to  XXXX . I made my regular payment at the end of  XXXX  and it was withdrawn from my checking account on  XXXX   XXXX .  XXXX  ha s no record of this payment and now I am being shown as being 30 days delinquent on my loan. I contacted Mohela- initially they were able to find my payment and they indicated that it would be sent over to the new provider. I called back a week later, they noted they cant find my payment at all. They asked for me to send proof of payment. I sent the proof from my checking account statement. A week later, still no   response or transfer of my payment. I am now being told that  it will take 60-90 days for my payment to be transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a collection account ( XXXX ) reporting to Transunion and I asked them for validation of the account ( original document with my signature ) and they said that the account was verified. I also asked the collection agency for validation and they sent me what appears to be a screenshot of a bill that does not belong to me. Transition has not provided to me any proof of validation of this account, only saying that it was verified which is unsatisfactory.

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 07-05-2017 about Debt collection (Medical debt) with TRINITY HOPE ASSOCIATES (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2200.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled an account listed on my credit report with XXXX XXXX Bank. I sent a copy of the settlement letter from the collection agency to Equifax to correct the information however they have failed to do so. Account still showing balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I AM LIVID WITH EQUIFAX AND XXXX XXXX. I HAVE BEEN TRYING TO UNLOCK MY CREDIT REPORT SINCE SATURDAY XX/XX/2017. FIRST I TRIED TO UNLOCK MY CREDIT REPORT ON XXXX 'S WEBSITE, BECAUSE I HAVE SOME URGENT BUSINESS TO TAKE CARE OF. THE REQUEST CAME BACK ADVISING THAT MY REQUEST FAILED AND TO CONTACT CUSTOMER SERVICE. WELL I HAVE BEEN TRYING TO GET MY CREDIT REPORT UNLOCKED. THIS HAVE BEEN A TOTAL NIGHTMARE AND I CAN NOT GET ANYONE AT XXXX AND EQUIFAX TO GET ON THE SAME PAGE!!!!!! THEY ARE NOT WILLING TO TALK WITH EACH OTHER TO FIGURE OUT A RESOLUTION. THEY WANTED US TO SIGN UP FOR THIS PRODUCT, BUT IT 'S NOT WORKING AS PROMISED. I SHOULD BE ABLE TO GO ON THE WEBSITE AND REQUEST TO LOCK AND UNLOCK MY CREDIT FILE WHENEVER I HAVE PERSONAL BUSINESS TO ATTEND TO. I HAVE LITERALLY BEEN ON THE PHONE ALL DAY!!!! CALLING BOTH COMPANIES JUST TO BE PASSED AROUND. YOU CAN NOT EVEN CANCEL THE XXXX XXXX SERVICE ONLINE. I WAS ADVISED TO CALL EQUIFAX WHO THEN KEPT TRANSFERRING ME TO XXXX XXXX. ITS LIKE THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING. THIS IS A HOT MESS!!!! I CAN NOT CONDUCT MY PERSONAL BUSINESS BECAUSE OF THESE COMPANIES AND THEIR SYSTEM FAILURES.!!!! I WANT THIS SERVICE CANCELLED IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Federal student loan) with AES/PHEAA (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: AES sold a single student loan debt to XXXX collection agencies. All XXXX are trying to collect the same debt and reporting late payments. They do not communicate and the originator will not work with me. I was denied credit based on negative items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Medical) with MST Financial Services, L.L.C. (WA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have n't heard ANYTHING from this clinic nor phone calls or notice letter regards to this amount. I just received email from XXXX that I have XXXX collection. Then I was surprised.

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 05/24/2016 about Debt collection (I do not know) with Performant Financial Corporation (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Performant and XXXX XXXX ( I read where they are the same company ) keep calling me about debts I do n't owe. Apparently they think I 'm responsible for recent debts my ex-wife ( that I 've been divorced from for 12 or 13 years ) has. Apparently she owes student debt and medical bills, I 'm not sure, I have n't even talked to her in years. I 've REPEATEDLY told them I 'm not her and to quit constantly calling me, I 've had to block their numbers. but they call from XXXX different numbers so far. XXXX was constantly calling too. And they sent a letter. I told them repeatedly that I had no way of contacting her nor did I know where she lives now. They only finally stopped calling after I threatened to file a claim with you twice and telling them to send documentation where it says I OWE. There was another company that called 3 or 4 times a day for a couple months until I repeatedly threatened on my part to report and sue them, ca n't remember their name. Here 's some of the numbers they use XXXX, XXXX, XXXX, XXXX. I 've deleted all the other numbers. I pay my debts, my credit score is XXXX, so it 's getting really frustrating dealing with these people bothering me about SOMEONE else 's debt. Now I 'm worried they 're going to report me to the credit people because I wo n't pay someone else 's debt. I ca n't afford a lawyer, but I am sick of getting calls from XXXX to XXXX several times a day almost every day. Thanks for any help you can give me. 
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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts ( XXXX XXXX, and XXXX XXXX XXXX in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA .With all my formal and written requests I was never provided any verifiable documents that supports company 's claim. Therefore as stated in the above statue, if not verified within 30 days then the account must be deleted promptly and immediately. It's now 3 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a complaint to Transunion regarding an item listed on my report by XXXX. The account has been on my report since XXXX and has already been removed from the other XXXX bureaus. The dispute was initiated on XXXX, it is now XXXX, this dispute has surpassed the alloted time period of 30 days and I demand that this item is removed from my report immediately. 

Here is a copy of the original message : I have an account on my Trans-Union credit report from ( XXXX XXXX ) that has been found invalid and removed from XXXX and XXXX. The account had been previously deleted but returned and has now been on my report since XXXX, I would like for this erroneous account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was negotiating a settlement with XXXX XXXX XXXX regarding a Midland Funding account. After submitting my hardship proof and making numerous calls, with no callbacks, I was told that they faxed a 'payoff ' letter to XXXX XXXX , who was NOT and is NOT representing me ... he was representing the bank on my foreclosure. I repeatedly called XXXX regarding XXXX party disclosure and violation of the FDCPA and I could never get anyone on the phone -- left numerous messages to no avail. When they told me what they did I immediately advised that they were in violation and I was basically told 'big deal ' and the call was terminated. I have attached the letter I have sent to them, but I wanted to go on record in case I still get no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (Home equity loan or line of credit) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: The servicer continually claims that the complaint is similar to previous complaints and then proceeds to NOT send the documents requested in the QWR and RESPA request. I have submitted multiple QWR to the lender requesting items required to validate the debt and to validate the actual transfer of the servicing of the loan to them and also to validate the note holder. I also have requested specific information required to validate the accounting that goes ALL THE WAY TO THE ORIGINAL LENDER ( they claim they do not have the accounting of fees, interest, charges, payments that go beyond them and maybe XXXX XXXX XXXX ). Additionally, I requested that the transfer and assignment documents be certified as correct by an executive authority for the note holder or servicer. I have requested that they provide documents showing that they notified me of my opportunity to apply for the National Mortgage Settlement program due to acknowledgement of errors and actions thru the National Foreclosure Fraud program in which there was compensation sent forward to me. The servicer continually avoids sending the requested information in total and then responds as if they have satisfied the QWR and provided all the documents. In short, validation of the debt and facts are not able to be accomplished due to their refusal to provide adequate information. They fail to send information requested and repeated send copies of the original note and then the assignment and transfer document for XXXX XXXX XXXX. THEY HAVE REFUSED TO SEND THE NAME, ADDRESS OF THE INVESTOR OR NOTE HOLDER WHILE CLAIMING THAT the letter received from XXXX is not part of XXXX. XXXX is claiming that they are NOT the note holder and have no records of the property or of me in their complete system. At present, XXXX is showing that XXXX is the servicer of the loan and that XXXX is the note holder. SPS claims that the servicing was transferred to them but will not send anything other than their own letter claiming that the servicing has transferred. They claim that they are not shown as the servicer in the XXXX System because the loan was in foreclosure and it was transferred out of that system due to that. However, there was no foreclosure in place at the time of the aledged transfer of servicing and the audit of the XXXX system requested would verify that along with any removal of the file from their system. In short, the items required and requested repeatedly have not been provided as allowed thru the law. Request complete investigation into the loan and all actions by both XXXX XXXX XXXX and Select XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Other debt) with M.L. Zager P.C. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I have an account with my daughter, not only was it her student loan money the account had under XXXX dollars, which by New York State law is exempt and the creditor can not take this money. Also on the NYS Collecters Association there is an explanation on how certain money in the bank is exempt. I explained to the bank and the third party creditor and none of them knew this law existed. I believe the money was taken out against the New York State Levy Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: 5/3 Express Banking - {$500000.00} Available Account Summary Ledger Balance : - {$16.00} Recent Activity View by Statement Keyword Search XX/XX/XXXX XXXX Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$40.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$33.00} XX/XX/XXXX Merchant Payment - XXXX XXXX # XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$30.00} XX/XX/XXXX MERCHANT PAYMENT - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$29.00} XX/XX/XXXX DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXX, FL ON XX/XX/XXXX FROM CARD # : XXXX - {$22.00} XX/XX/XXXX XXXX Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$20.00} XX/XX/XXXX DEBIT CARD PURCHASE AT for XXXX XXXX , XXXX, CA ON XX/XX/XXXX FROM CARD # : XXXX - {$13.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX 's XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$11.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX XXXX , XXXX, Fl On XXXX From Card # : XXXX - {$10.00} XX/XX/XXXX MERCHANT PAYMENT XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Hello, I was a VICTIM of TransUnion 's inquiry issue. Talked to the representative of TransUnion and they could not help me with these issues. 
Here are the list of the inquiry issue on my credit report : Business Name, Inquiry Date, Business Type XXXX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX  XX/XX/XXXXMiscellaneous and public record XXXX XXXX XX/XX/XXXX Finance other than personal Please delete these inquiry issues with TransUnion. 

Thank You

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 07/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Settlement process and costs

Complaint: I was a victim of identity theft. I am the rightful owner of a property that I have previously submitted information to this office against Bank of New York Mellon, XXXX XXXX XXXX, and XXXX XXXX. This was a predatory lending loan and I was awarded XXXX settlements now that I have yet to claim. I am looking for assistance because I was waiting for word on the settlement and now I see a for sale sign on my property by XXXX. I was told that the state denied the foreclosure but the county persisted on padlocking my property. This could be a violation of law against a XXXX person as I was declared XXXX. I am looking to claim any and all settlements in regard to this property as I paid over XXXX toward it and remained on the property until it became unlivable. Now that there has been an award I have been further victimized by identity theft and persons attempting to stake claim on my property.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY FINANCE CORP (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Professional Finance Services this  company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please 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