milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Contacted Navient on Monday XX/XX/XXXX regarding a payment I mailed on XX/XX/XXXX. The person I spoke with indicated that the payment had not been received and would not be accepted because the payment was mailed to the wrong address/department and that the check would be mailed back to me. I attempted to cancel the first check and mailed a new check to the correct payment address on XX/XX/XXXX. I checked my bank balance on XX/XX/XXXX and noticed that Navient had cashed BOTH checks. I contacted Navient on XX/XX/XXXX regarding the payments and they could or would not provide any details about which checks were cashed or why. I called Navient customer service three times on XX/XX/XXXX regarding the issue and was routed to their fraud department through their customer service number. I waited on hold for over an hour each time to speak with someone from the fraud department, however no one at the Navient fraud department would answer. Also, when I called back the customer service number, I asked if someone would be able to contact me regarding the issue and they indicated no. I 'm not entirely sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Case number : XXXX Case Number : XXXX in reference to previous complaint listed above Penn Credit today just sent another demand for payment after no communication of 3 months upon receiving notice and verification that this debt was paid by XXXX services for both XXXX XXXX and National Grid and I am now repaying social services. I had uploaded all relevant documents on your website, Including asking for debt verification from Penn Credit via certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 have been actively ATTEMPTING to have the incorrect information regarding my Student loans deleted from my credit report for entirely to long to no avail. I have contacted Experian to get correct validated data several times and each time they only retunr saying they have verified the info. I know this is incorrect because the information they are reporting is not the same on every account. Although these student loans show up as four individual loans, they all should have the same payment information as I was making 1 payment and the company XXXX was dispursing the payments to each account equally. So for the loans to not all have the same information is false. I contacted Experian via CERTIFIED mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, regarding this account being reporting incorrectly yet again. I listed my consumer rights as stated by FCRA law, as of today XX/XX/XXXX I have not had any coorespondence back from Experian regarding this urgent matter. To follow up once AGAIN, on XX/XX/XXXX, I mailed another letter stating that i expected Validated information showing my signatures on the deferment and forbearance paperwork showing the dates that the payments shouldve been included therefore NOT late. To this date I have not heard anything from Experian regarding this matter. It is against FCRA law, to which they are legally bound, for them to knowingly report false unvalidated debts on a cosumers credit file. I also stated the penalty for such acts per section 617 of  the Fair Credit Reporting Act for Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ).

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 08-03-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Bank of america account was hacked in the amount of XXXX and XXXX on X/XX/2017. The company refunded the funds, however refused to assist in further resolving our issues. They cancelled our card and froze our account, rendering our accounts unusable, forcing us to pay a few bills late. The customer service representative was combative and less than courteous when we asked her to not cancel our card until after we made our bill payments. She continued to cancel our card before advising us she was going to do so, then continued to tell us that the card had been cancelled AFTER doing so.

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 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX, I decided to change my cable service from XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX service technician came out to install the service, but informed me that I did not have a proper spot to install the dish and that I could not have the service. I called XXXX XXXX XXXX to let them know that I could not receive the service per the service technician. I asked them to please cancel the service, the customer service agent said that there will be no charge and all services are canceled. Later in the months, a bill was sent saying that I owed them {$130.00} for services. I explained to them that I canceled the services and they were never installed, I never even discharged XXXX services. They once again assured me that they will take care of it. After some months past, I noticed on my credit report that I owe XXXX XXXX XXXX, I disputed the charge, but XXXX XXXX XXXX kept reporting it. I have been harassed by credit agencies for over a year, until I decided enough is enough and contacted the XXXX. The president of XXXX XXXX XXXX finally contacted me to apologize and inform me that I do not owe anything and the charge would be remove from my credit report. I replied back stating that I should be monetary awarded for the harassment, embarrassment, a false amount posted on my credit report and being depressed for their mistake. I have not received a reply since XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX XXXX I pulled a copy of my credit report and notice a judgement was reporting, this was mind blowing to me because I knew that I paid all my bills on time and should not have any judgement against me. So I sent a certified letter to the credit bureaus XXXX XXXX XXXX, to ask them to investigate and remove incorrect account from my credit file. All XXXX bureaus responded stating the account is correct and I should contact the XXXX court because they are the ones that send over the information to them. 

I reached out to the XXXX court, they told me that they had no judgement in my name and also, that they do n't communicate or report any information to the credit bureaus. So I sent another certified letter to the credit bureaus XXXX XXXX XXXX, letting them know the response I got from the XXXX court and XXXX and XXXX responded stating that they deleted the inaccurate information. I did not get a response from Transunion, so because XXXX and XXXX did the right thing and delete the inaccurate account, I assume Transunion did the same. 
In XXXX XXXX I pulled my credit report and notice Transunion score was much lower than XXXX and XXXX score. When I look deeper i notice Transunion was still reporting incorrect judgement, so I wrote to them XXXX XXXX, XXXX with a list of questions XXXX of those question I asked, was the names of the people they spoke to, and to provide me copy of all the documentation they received from the courts as proof that whatever account they are reporting is accurate. They responded XXXX XXXX, XXXX with a generic letter stating the account is verified, with no proof of how the account was verified and absolutely none of my questions were answered.

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 08/13/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: WellsFargo is the ONLY lender that requires a subordination agreement from a XXXX mortgage. After being underwater and Foreclosured for a few years I have finally been offered a Modification and I started making payments in XXXX 2015 just to find out that the Modification ca n't be final unless this subordination is signed by XXXX XXXX ( my XXXX mortgage ). My XXXX is not agreeing to this subordination and this will cause my modification to be cancelled and therefore to lose my home. 
These mortgage practice is denying many homeowners like me the opportunity to keep their very dear homes. It is a practice that should be banned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: All I know is this is on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I check XXXX XXXX couple times a month but when I look this time. I noticed a credit card from XXXX XXXX   ( Store card ). I called best buy to tell them I didnt open this card and its not mine. They couldnt find anything in my name about the card. I looked on my credit report to XXXX XXXX and its not there as of XX/XX/XXXX, XXXX same thing, it doesnt show up. But on XXXX its there, CBNA Account # XXXX..Opened onXX/XX/XXXX, Balance is {$1000.00} and limit is {$4000.00}. But the crazy thing is whoever has it is making payments on it and its not late.. Can you help me?? 

If you need to get in touch with me please call XXXX or email at XXXX Sincerely, 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 non-monetary relief
Consumer complaint received 06/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Credit decision / Underwriting

Complaint: My ex-wife and I refinanced our home in 2008, and I believe the appraised value of the house was inflated to get the loan approved. As a result, we have not been able to refinance since more is owed on the house than it 's worth. I have previously submitted a complaint here, but Wells Fargo did respond but could not do anything to lower the interest rate which is currently over 6.5 % I believe that I did n't include the key point that the mortgage broker that we originally used appraised the property at $ XXXX, which it never should have appraised for. Wells Fargo bought the loan, put it in their securitized mortgage portfolio and that 's where it sits. The loan is n't eligible for the government refinance programs out there because of this, and Wells does n't want to do anything to help us because they are making a ton of money. Is there any way to look at this from the appraisal perspective?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt collection never sent me any paper work about taking me to the court .I called the collector office after I received a wage garnishment mail from my job.Debt collector did n't want to tell me wich court was addressed the garnishment, happened about 10 years ago.Because I could n't get help from anywhere, I could n't stop the garnishment, because if was n't fear since the beginning of the debt situation ( credit card bank did n't want to help me ) .I lost my job and they stop the garnishment ( I payed already more of original amount that I owed ) because I start working and other job and they did n't anything.now I received again wage garnishment mail from my other job never from debt collector, and they did and different court county, very far from my living address.In the letter they change the debt original date.they started again and shows like I never payed .They caused me so much expenses with fees to my bank accounts, etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Unsolicited issuance of credit card

Complaint: Wells Fargo opened a credit card account that I said I did not want when I opened my checking account. Even after I closed my checking account, they kept my credit card account open without notifying me.

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 11/26/2017 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Billing disputes

Complaint: I had made a purchase of XXXX $ back in XXXX at Target. This was supposedly " free '' if I signed up for a target credit card. I never received the card but started receiving bills for XXXX $ every month from Target on this " free '' purchase. I called target to totally cancel the card but they are still billing me XXXX $ per month for no reason whatsoever. The card is not even activated because I have n't received it. After this call, I still received bills even though it was cancelled. They say that they will continue to bill after a card is cancelled if there is a balance on it. They are charging me XXXX $ for a XXXX $ purchase. I am willing to pay the XXXX $ for the purchase but I will not pay the additional amount for a card that was never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In regards to the registered letter I got today : NOTICE OF DEFAULT dated XXXX/XXXX/15. 
My first missed payment was XXXX/XXXX/15. As I am applying for HAMP thru Ocwen since XXXX XXXX, 2015 and I am only 1 month and 22 days late, I am NOT in Default of my loan agreement. I dispute the validity of the debt. Nowhere in my mortgage note does it say you will raise my mortgage payment {$520.00} a month. 

I applied for a RMA request for mortgage Assistance on XXXX XXXX, 2015 when my mortgage went suddenly from {$1200.00} to {$1700.00} a month. I expect to get HAMP and PRA. I am in touch with the department every single week and have been diligent about sending yet more paperwork every week to wrap up this slow process. 

I understand that the making home affordable program was created to help XXXX of homeowners modify their mortgages. As part of this program Ocwen and the Federal Government are working to offer me options to help me stay in my home. However that has not happened yet. On XXXX when I was 1 month and 2 days late on my mortgage I was sent a Deed in lieu and offered {$12000.00} to move out. I was given a 1 day notice as I received this letter on XXXX. I 've expressed that I want to keep my home. The options I 've been offered so far is to get out. 

My mailman told me that an awful lot of people in this neighborhood are receiving registered letters from Ocwen. It sounds like you are trying to do a hostile takeover of the community. In addition why are there XXXX different addresses for Ocwen in this letter in addition to the XXXX different payment addresses?

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Managing the loan or lease

Complaint: Due to a business failure, I had to file bankruptcy recently. I have an auto loan with USAA Bank that I am trying to do the right thing with and pay the loan as agreed upon and also so that I can keep the car. Being able to check my balance and pay the payments due online is something that I feel that I should be able to do but USAA has informed me that, because I filed bankruptcy, I am no longer entitled to have accounts with USAA or to have online access to my accounts and that any time I want to check my balance and/or make a payment I have to call them for that information which, depending on call volume can be a huge inconvenience. I feel as though USAA is punishing me for filing bankruptcy even though I am attempting to make good on the loan that I have with them. I complained about this to them to no avail and the treatment I received during that process seems to indicate a culture issue at USAA regarding people that have filed bankruptcy. I also know of someone who had car insurance with them and they XXXX his premiums for the sole reason that he filed bankruptcy. 

I understand that banks are prohibited from attempting to collect on debts that are involved in a bankruptcy but, once the bankruptcy has been discharged and the customer is making payments as he/she should be, I do n't think that it 's right that they should make life difficult for that person by denying them online access as well as the opening of future accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX - XXXX XXXX ( Acc Number:XXXX ) Experian - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX XXXX - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be removed.

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 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company XXXX series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also XXXX documents and I 've gotten zero response from them either. This bureau did respond just with notices of an alert. 
I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail. 

thanks, 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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I received a response from Equifax saying I may have been a victim of fraud. The date of the notice is X/XX/2017. I 'm making an attempt to upload a copy of my drivers license and social security card with my maiden name. I 'll try to send a copy of my marriage license, check stub. Each time I mail them information it 's lost or thrown away. I 've sent them this information several times, prior to contacting XXXX. I took a picture of my drivers license. It uploaded, it also showed removed. I do n't know what that mean. There was a number in the upload file.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My TransUnion credit report indicates a hard inquiry for XXXX on XXXX/XXXX/15. I did not apply to XXXX for credit. How can I resolve this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (OR).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This lvnv debt was not from XXXX but from XXXX. They just keep updating it. It is no longer collectable in Oregon after 7 years so they change the original date to make it look recent.

Company response to consumer: Closed with explanation