milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I 've been waiting 4 months for Fedloan Servicing to process my IBR Plan request. I 've now been forced to place a forbearance on my account due to their negligence. An Employee on the phone asked me to upload a new application. I just uploaded my new IBR Plan application to their site through my account. Let 's see if they process it or decline with another XXXX excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017 I went into a Navy Federal branch on XXXX XXXX in XXXX, VA. I requested a cashier 's check for my landlord in the amount of {$730.00}. The cashier who did my transaction spelled the name wrong on the check and he then proceeded to cash another check from my checking account with the right name. He voided a check and gave me the other one in my hand. I went home to take it to my landlord only to find he voided the correct check and still ended up giving me the bad one. I called Navy Federal on the phone and asked them what to do. They said since the check might be voided to just go back to the branch and get another one. I went back there on XXXX XXXX, 2017. I explained what happened to another cashier as the first one was n't working that day. She then had her supervisor issue a credit to my account so they could give me a check with the proper spelling on it. I was able to give that check to my landlord. Then on XXXX XXXX, 2017 I saw there was a credit placed on my account for {$730.00}. I went into the branch on XXXX XXXX, 2017 and asked a teller in that same branch ( Teller ID : XXXX ) if the credit was correct because I had an issue with my account the previous month and I know that there were funds taken out initially that it did n't show were out back. She assured me that it was because they were correcting the error on the account. I also called into Navy Federal member services rep and had a representative investigate further just to be sure and they also confirmed the same thing. Now on XXXX XXXX, 2017 I access my account to find they 've debited my account for {$730.00}. When I called in and asked about the debit, the member services rep said she reached out to their cash applications team and she specifically said they made a mistake in crediting my account for the funds because they do n't show that they ever removed the funds from my account surfing the first transaction. I asked her how is it my fault that the bank made a mistake and now I have to pay for it. I was essentially told that even though they made a mistake, I still have to pay for their mistake and that they are n't going to own up to it. This is unfair and unjust treatment from a banking institution that is just expecting a consumer to pay them money based on the fact that they made a mistake. Even when the customer calls and goes up in person to ask about the validity of the credit and is told that it is valid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.

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 01-08-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX XXXX closed my XXXX XXXX account as soon as I paid it off in full. There reason was because of what the credit bureau reported to them. I had not once been late with a payment to this account and I had enrolled in automatic payments to assure that the account would be paid monthly and on time. I 'm very confused!

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 02-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an XXXX account for the amount of XXXX on my credit account to an address I did not live in. I did authorize XXXX service nor should this account be on 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
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017, Equifax announced that the data of 143 million Americans had been stolen. They have indicated that my data is likely included in this breach. ( https :  //www.equifaxsecurity2017.com/ ) The negligence here is astounding. Now, both time and money will be taken from me as I set up security freezes with the 3 major credit reporting companies in order to protect my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I attended a XXXX XXXX XXXX promotional event in early XXXX of this year ( 2017 ). I did not choose to become a time share owner during the event, but I did sign up for a loyalty rewards program in correlation with American Express. It seems that the onsite personnel who sign you up for the XXXX Rewards Program card are XXXX employees and are not provided proper training on the actual features of the card. I believe that I was misled concerning several features of the Rewards Program card. First, the XXXX employee mentioned that by signing up for the card, I would receive " Gold '' status with XXXX ; however, I found out after signing up that this is only true for certain cards that have an annual fee and only applies to my card if I spend {$20000.00} in a calendar year. I was also led to believe that this card would not have any foreign transaction fees. I recently took a trip to XXXX and purposely used the card assuming that no foreign transaction fees would be charged. To the contrary, I was charged many fees adding up to {$22.00} or so. I called American Express to discuss this and, again, this turns out to only be a feature of certain Rewards program cards that have an annual fee associated with them and not for my particular card.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: My mortgage is wi th Ocwen Home Loans,  not by choice.   On  XXXX   XXXX ,   XXXX  , I faxed a request fo r Ocwen to discontinue my escrow according to the guidelines set forth in my agreement. In my documents, it clearly states that an escrow account is a courtesy not a requirement ; however, my request indicated that an es crow account is required, therefore my request was denied. Your account information is limited online and this company does n't honor it 's own guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (WI).
Issue: Using a debit or ATM card

Complaint: Back in 2009 I opened up an account with Wells Fargo bank. My mom passed away and i recieved XXXX. My aunty who helped me ipen the account told me that she jus wanted to help me get established with a new apartment. A few months later it turned out that she stole over XXXX from my bank account without my knowlage. I tried to inform the bank but they said it was nonething they could do. They dont understand that she tricked me into putting her on my account. I was never able to gey justice. 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
Consumer complaint received 06/30/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Issue was not resolved, and collections companies ( XXXX and XXXX XXXX ) continue to show on my credit report. Are hospital bills allowed to show on a credit report? A law was recently passed to prohibit this practice.

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 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Holloway Credit Solutions (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have this debt on my credit report from an apartment complex. I believe the apartment management team wrongfully inflated the closing costs when I had an emergency and had to move. They have not sent me proper documentation to dispute the debt. They also kept my security deposit and pet fees.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MD).
Issue: Unexpected or other fees

Complaint: Today at about at XXXX/XXXX/2017 at XXXX XXXX while looking at my transactions within my PayPal account a negative balanced of XXXX dollars and XXXX cents appeared after a refresh of the page that has no details associated with it. When I clicked on the details button regarding that mysterious negative balance of XXXX dollars and XXXX cents it takes me to a page to add money to cover the balance without any details explaining its appearance. I suspect fraud and negligence by the company. I contacted the company immediately for some clarity on the matter and waiting for there response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I just recently open a Chase bank account. Today I checked my balance and their was a withdrawal in the amount of $ XXXX. I called Chase knowing it was a fraudulent activity and I was told by the representatives that it seems like it was a withdrawal from within Chase for collection account. I started asking question that the representative could not answer and stated that she would need to transfer me to the collection department but It was already closed. What I remember was going to Chase and closing my account with a zero balance and I never received any documents from Chase that stated I was in collection. To the point that I just open an account with them with no issues. Chase is robbing me of my hard earned money. Please someone help me understand what is going on and what I can to prevent Chase from taking money that I do not owe them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I took out XXXX signature student loans through XXXX in 2006. I have been in school since pursuing a XXXX and will be finished next year. The loans were originally for XXXX total. They are now at almost XXXX due to interest. They are held through Navient. Navient is stating that my deferment period is up and I am in repayment. I told them that I cant pay, as I am in school still. They said I can join a forbearance program put I will have to pay them to join it. I do not have the money to do so. They are offering no other programs. Im stuck and need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Closing on a mortgage

Complaint: I applied to Wells Fargo Home Mortgage to assume the mortgage from my Dad 's condominium after he signed the title over to me. Wells Fargo 's made their conditions to close the Assumption impossible for the Title Company that I selected as my Settlement Agent to close the transaction. After my selected Title Company ( XXXX XXXX ) could not legally fulfill WF demands, WF also refused to allow a Real Estate Broker I selected to act as my Settlement Agent, even though Michigan law allows a R.E. agents or brokers to close Assumptions. I contacted other Title companies and a Real Estate Attorney to act as my Settlement Agent, and they all indicated they could not legally close the Assumption under Well Fargo 's conditions : to provide a Sellers Closing Disclosure prior to WF providing a Closing Disclosure. As a result Wells Fargo steered me to, in which I was FORCED to use a Wells Fargo 's Settlement Agent ( XXXX XXXX ) for the closing of the Assumption. Because my Dad is in the process of purchasing another home which requires his relief from this loan, I have been pressured to use Wells Fargo 's closing agent. Wells Fargo is also including a vague Servicing Fee Agreement for me to sign at closing, which has no list of of fees assessed in connection with the servicing of this Michigan mortgage.

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 08/18/2017 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 have been trying to pull my credit report from Equifax credit reporting agency since XXXX XXXX, XXXX. I am also a paying customer of their monitoring system that I pay every month. This is a service that I was told that was unlimited at any time. I called on XXXX XXXX, XXXX at XXXX XXXX and was on the phone for 2 hours and did not get any results. I also applied for credit with XXXX XXXX on XXXX XXXX, XXXX and was told by the creditor that they were unable to get a copy of my credit report. I also applied for credit with XXXX and was also denied due to no credit report on file. This is a violation of my rights and I have tried to resolve this matter and has been very unsuccessful with this matter. I was told that my credit file is too large. This company previously has taken accounts off my credit and added accounts that were derogatory back on my credit file. These are medical bills that was found not to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. 

O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Debt collection (I do not know) with Alliance Data Card Services (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Commenity Bank purposely uses an " unknown '' number to harass people. They call starting XXXX, and they call nonstop throughout the day. I can not block them because they use a private number deliberately. 
They also try not to identify themselves on the phone so as to " trick '' the customer into identifying themselves first.Their business practices are harassing and unethical, and they need to be put out of business. 
I do not owe the money they are calling me about, and they have not even contacted me by mail so that I can properly dispute the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: There are XXXX negative accounts that are being reported by Equifax , I have attempted to dispute these XXXX times to get the payment history and payment status updated to reflect accurate information. I also disputed the same information with XXXX and XXXX along with provided the same documentation from the lenders themselves and they corrected the false information. Equifax however continues to damage my credit. I attempted to get assistance on the phone with the dispute department several times and was meant with attitudes when trying the explain the situation, even hung up on. My score is above XXXX with the other CR agencies and sitting at XXXX on Equifax due to their refusal to correct this information. The accounts in question are held by XXXX/XXXX/XXXX and XXXX servicing and were reported in negative payment status, and XXXX XXXX XXXX which was paid off by the XXXX in XX/XX/XXXX yet Equifax continues to report it 's status as a collection account despite listing it as paid like they have in the comments. I was told that my concerns about my credit are irrelevant as a consumer this concerns me. These accounts show as late in XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Medical debt) with Synerprise Consulting Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is charging for a balance that I do n't owe. I have never been to this company and they report a {$66.00} charge on my credit report to all  XXXX  agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XX/XX/XXXX. I went to buy a house XX/XX/XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XX/XX/XXXX, not XX/XX/XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.

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 11-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: Bank of America continues to process transactions in a way that charges the most fees. They have done it 2 more times for my account, costing {$150.00} the past month for these greedy pigs. They do it on card charges despite that being outlawed, they are despicable people that take as much as they can.

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 03/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended the XXXX XXXX XXXX XXXX in XXXX, California. The school itself, I am looking into suing, because they, like Sallie Mae, pushed for me to take out a very large private loan for over {$40000.00} and a smaller federal loan ( for living expenses, etc ) for around {$15000.00}. Needless to say, no amount of money I would 've made leaving with an associate of arts degree could 've paid off those loans. I was told it would be no problem once I graduated, and since I come from a lower middle class family, furthering my education was a priority for a better life. Instead, 10 years later, my loan is in default, they seize my tax returns and I have XXXX children ages XXXX and XXXX who ask why we cant get a house or fix our car when it breaks. I actually had XXXX of their debt collectors say to me, " you shouldve thought of that before you had children. '' They called my home and family relentlessly for years! I had a job from XX/XX/XXXX-XX/XX/XXXX where my boss had to have several " talks '' with me becuase she asked them to stop calling my place of employment and they wouldnt. I believe she was looking into contacting the XXXX or something of that nature, but she never followed through. I would like to note that I am an excellent XXXX. Any boss or co-worker I have ever had would back that up, so the problem leaving was not my skill, but rather the impossibility of repaying a loan of that amount. Its insane when I think back on it. I wish I could go back in time and stop myself from signing, and allowing my mother to co-sign, I would tell myself, " this is going to ruin your life! You will never be able to buy a home or new car. You will always be in debt, forever and ever. The XXXX will cause you XXXX and XXXX. You will never get out! '' I have felt hopeless because of this, but coming onto this website I am feeling a little better right now. I am feeling like theres a chance to get my life back, I feel like maybe there is strength in numbers and I am both glad and extremely sad to see that so many others are in my boat. So let 's plug it up before it sinks! I am hoping you can help. Thanks.

Company response to consumer: Closed with explanation