milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan account with Navient is set up to automatically draw from my bank account. The amount withdrawn is greater than the minimum payment for all of the loans combined each month ; however, every month for the past number of months I have been charged a late fee. I contacted Navient and was informed that there was an issue with the allocation of payments, leaving some loans overpaid and some underpaid. They assured me that this would not happen again, yet it continued. For the months I did not realize this was happening, it negatively impacted my credit score. Although I was reassured monthly that this would not happen again, it continued happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Credit card () with DISCOVER BANK (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX fraudulent credit cards were opened in my name. I have filed a dispute with the credit bureaus and filed an ID Theft report with my local police department. XXXX company, XXXX XXXX closed the account. The XXXX other companies, Discover and XXXX XXXX, are refusing to close the account. They continue to harass me and are asking me to pay for a debt that I did not incur nor give permission to open. When I asked them for a copy of the application with my signature, XXXX XXXX sent an affidavit to be notarized. These are stall tactics that XXXX XXXX is using to continue to leave this fraudulent account open in my name. 

Both Discover and XXXX XXXX are irresponsible due to the fact that they allowed accounts with limits of over {$5000.00} to be opened in my name - without my signature! Banks require signatures for loans of {$100.00}, yet these companies may open accounts in people 's names without their permission? And when they are given a copy of the ID Theft report filed with my local police they still refuse to close the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted all XXXX credit report agencies -Experian , XXXX , and XXXX regarding a medical bill ( credit agency : XXXX for originally {$290.00} ) that is not mine and that I have no recollection of it. After the investigation by the credit reporting agencies, XXXX and XXXX both removed claim/charge from my report, except Experian. Experian stated by telephone and through mail that the claim is valid. When I asked how it was valid, they could not explain. I have asked XXXX different representatives, by telephone, how the claim is vaild and no one could provide me a " valid '' answer, except that " it 's valid ''. I made this dispute 3 times through Experian. Also, the original claim/charge from the credit agency was {$290.00}, but it is now {$310.00} because the credit agency claims that there is daily or monthly interests that will continue to be added until it is paid. When I explained to Experian that how could they allow the credit agency to continue to add interest to the account, when in the state of MD, interest from credit agencies on medical claims is illegal. One Experian represented stated that they have no control over that. I then stated that now the claim is invalid and now illegal because they are also charging interest on an original claim that was first displaying {$290.00}. I would like for Experian to show proof that I owe this claim since they claim it is " valid '', what proof did they receive the credit agency to claim such validity, and why are they allowing a company to keep reporting interest on a claim to them. I would like it removed my credit report, as I have no recollection of this charge being mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Debt collection (Other debt) with Armcon Corp (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX / XXXX /  XXXX  ! Cvcs collection co, took m y Ssdi mo ney from a on line account!

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: We have originally opened up a short sale file on the property for loan #  XXXX  on  XXXX / XXXX / XXXX . After numerous delays, we finally received approval on  XXXX / XXXX / XXXX . However, the offer had to be revised due to an appraisal issue. It is currently  XXXX / XXXX / XXXX  and  Wells Fargo  still has not offered us a revised approval/ decision quoting ongoing variance. Taking over 4 months for the new review has jeopardized this deal, and it should not take longer than getting the initial review!

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 11-10-2016 about Mortgage (FHA mortgage) with CONTOUR MORTGAGE CORPORATION (NY).
Issue: Settlement process and costs

Complaint: Mortgage lender overcharging me in closing costs. They have financed my upfront MIP into my loan which I asked if they can remove several times. They are also charging me this same upfront MIP again at closing. I met with bank, several times in reference to this and now on the day of closing, nothing has changed. They have finance {$5500.00} in my mortgage which I may add made my down payment of 3.5 % higher and now they also have that amount calculated within my closing costs. 
My issue with the closing disclosure is that it is very misleading as it does n't say anywhere on it that they have added my upfront MIP on the balance of my loan. The MIP is listed as one of my closing costs which they state can not be removed. It should be removed because it was financed in the balance of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm in a subprime loan, with an adjustable rate, underwater meaning my house does n't appraise at what I owe.pay mortgage on time and nobody will help me get out of this XXXX rate I 'm in, every time I sit and talk with anyone they tell me they ca n't help me, why ca n't they help me, I 'm considering letting the bank take it if I ca n't get my mortgage changed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I started making payment to get out of default, once out of default i tried to srart working on the debt. After making a settlement release payment of XXXX i got a wage garnishment paper from department of education. They told me i have n't made any payment and the XXXX XXXX XXXX that i was paying was not real. And none of that money even counted as payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is my current lender. I filed Bankruptcy in XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with XXXX as well as XXXX, Equifax and XXXX to no avail. I have attempted three times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither XXXX nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having XXXX be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted the credit bureaus on multiple days and advised them that I had inquiries on my credit report that I did not authorize. They told me that I would need to get ahold of the companies and dispute with them. I advised them that I have contacted the companies multiple times and they have no record. I have asked for validation of these inquiries and have not received a response. I want these inquiries off of my credit report NOW. This isnt fair to me because it may not be a big impact but there is an impact and its hurting 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 explanation
Consumer complaint received 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Two years ago, XXXX overcharged me for internet access. I called them and complained, they apologized and said they would fix it, but did n't. We repeated this process each month for a few months, with me paying what I actually owed, and XXXX charging late fees on money I did n't owe in the first place, until I canceled my service and reported them to the Missouri state attorney general 's office. They actually owed me about {$7.00}, but instead they sold my erroneous " debt '' of about {$180.00} to a collection agency who then sold it to another collection agency. Now I get robo-calls XXXX a day to my cell phone from the number XXXX. They sometimes leave a message, but usually do n't, and when I do answer it is a recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Problems caused by my funds being low

Complaint: FirstMerit recommended that I turn on overdraft allowances to my account so that I can overdraw and they will let me but charge a fee. I did opt in for this. In their Online Banking, it talks about what a great program this is for you and why you should use it. They are just scamming people into entering a program to steal our money basically. I made a few transactions with my debit card and there were plenty of funds in my account to cover them. I then waited a few days and then withdrew {$140.00} at an ATM, knowing that I was going to use the program and overdraw my account and be charged a {$35.00} fee. In my Online Banking then, everything posted just fine. Every transaction that had been done days before the ATM withdrawal were listed and a positive balance listed after. Finally, another day later the ATM transaction showed posted to a negative balance. The following day I was charged XXXX {$35.00} overdraft fees totaling {$240.00} in a negative balance on my account. This is absolute robbery and they refuse to refund my funds for no real reason at all other than having had XXXX fees waived in the beginning of the year already. Those fees were done in branch error and were refunded because it was their fault. So no courtesy waiver was ever given to me, which this is n't even a courtesy waiver! They can not charge XXXX overdraft fees for XXXX overdrawn transaction that was done days after any other transaction and after their cut-off processing times anyway. It 's ridiculous to think that banking regulations would allow such a robbery from the public. But even so, the ATM withdrawal was days after anything else so it should have caused the only {$35.00} overdraft fee. I 'm more than happy to pay this fee, as I did withdrawal these funds in excess of my account balance. But I did this because the bank told me what a great opportunity this program was to be able to do that now and then. I never would have signed up if I knew they were using such deceptive processes, as to turn a {$130.00} overdraft done by XXXX transaction days after anything else into a negative balance of {$380.00}. I followed their recommendation and now it 's going to take my entire paycheck nearly and I do n't know what I 'll do when it should 've been XXXX simple fee since it was done so long after anything else and only XXXX transaction overdrew.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Transaction issue

Complaint: I have been charged by a transaction for a lodging service I never received. In terms to solve this issue, I opened a dispute with my Credit card provider, JP Morgan Chase, and followed their instructions. After I provided everything concerning this case, including mailing by post office to Chase the docs that prove I never could make this hotel reservation, Chase has decided to position itself in favor the merchant instead to defend my interests as their client. So Chase has communicated me that they have decided to charge me with this transaction anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Apparently I had a XXXX XXXX XXXX credit card from a decade ago that had an unpaid balance and was charged off. When I applied for a XXXX home equity loan, I was rejected because of this charge off at XXXX XXXX XXXX, of which I was completely unaware. I paid the charge off amount of {$280.00} immediately on XX/XX/XXXX 2017 and have been trying to get the item to reflect a zero balance of my credit report. XXXX said I had to get it removed from my credit report - they could n't call across the bank to confirm ( XXXX credit card, paid from a XXXX checking account ). I faxed to Transunion proof this was paid off on XX/XX/XXXX - they could n't read the fax. I refaxed the information on XX/XX/XXXX Transunion claims they ca n't clear the account without approval for XXXX - XXXX credit card department said they updated my report on XX/XX/XXXX If I do n't have this resolved by XX/XX/XXXX, I look a special introductory interest rate because Transunion wo n't be proactive, and XXXX wo n't look between departments to see the issue is resolved. How is it the organization controlling one of the only XXXX bureaus in this country only allows disputed documents via FAX or MAIL. Is this acceptable way to do business when documents should be scanned and emailed to avoid these type of unnecessary delays. 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 10/13/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone wrote a bad check in my father 's name to a company called XXXX XXXX XXXX. By me being a " XXXX '' the company reported the discrepancy on my credit. I DO N'T DRIVE!! I do n't even have a car. I talked to the reporting company but they wo n't do anything to help me. How can I get this resolved? I 'm in the process of repairing my credit. I know I have debts that are my doings but this is not one of them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital One contacted me by telephone, leaving a recorded message about my credit card. They asserted that fraud was involved with the card and that they were replacing it. When I called and asked about the issue, I was told " everything was fine ''. I asked to speak to a manager about what had happened. I received no more information, other than that they were investigating fraud. 
After a month, with no explanation forthcoming, I called Capital One on XXXX XXXX, 2015. Again, I got no answer, despite talking with a manager. He said they were " investigating ''. I asked what they were investigating and got as a reply " a data breach ''. When I asked where, I got no response. 
Either the card is very insecure and, the company 's actions are questionable, or there is some major issue involved that the firm is hiding. 
Please help me find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Credit card) with Law Office of Rory W. Clark, APLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Sunday night the XXXX of XXXX when the process server asked for me at my apt., upon my flatmate XXXX XXXX refusal of acceptance the process server said " XXXX is being sued by XXXX XXXX XXXX '' and the process server dropped the stapled summons ( no envelope ) face up flat on the doormat. 

AGAIN : Improper contact and sharing of info. My flatmate was advised of the content by the process server and had opportunity to read it. XXXX now is concerned I can not pay the rent and is planning to move out into a more stable living arrangement depriving me of needed income. This is a tort of economic interference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company XXXX has been paid in full for an old credit card debt and now the company is trying to collect on the debt a XXXX time by hiring a different  agency to collect on the debt.   I have my court documents showing the judgement was dismissed due to payment in full.  I also have my letter from the first company hired that states the debt was paid in XX/XX/2014. After pulling my credit report, I discovered XXXX has now hired Cavalry Portfolio Services to collect on the same debt and reported false information to the credit bureaus indicating I have not paid the debt. I have to add that the firm I paid did notify XXXX months ago about the debt being paid in full,  but yet XXXX hired another company to collect on the debt a XXXX time.  This if fraudulent and goes against the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I submitted a complaint back in XXXX against XXXX XXXX XXXX who was trying to collect money for a student loan for XXXX XXXX XXXX XXXX in the amount of {$15000.00}. I opened this loan back in XX/XX/XXXX with XXXX XXXX XXXX not with the XXXX XXXX XXXX XXXX. I was paying them through American Education Services ... it was different company at first and then it changed to AES. I had been paying on this loan since XX/XX/XXXX and the loan amount never changed. I never missed a payment or been late on a payment so technically the loan has been paid in full already. I did n't stop paying on the loan until I filed bankruptcy. XXXX XXXX XXXX XXXX never appeared for the bankruptcy hearing to dispute discharging the loan. Now my credit is being hit and I have been sent to second collection XXXX XXXX XXXX XXXX since I reported XXXX XXXX to you bank in XX/XX/XXXX. XXXX XXXX XXXX has called me several times harassing me about paying the loan in the amount of {$16000.00}. The company I originally open the loan with went bankrupt and transferred my loan over. Also they do not have a signed copy of a promissory note by me because of these facts I know they I do not have to repay this loan. I fill as though my rights have been violated and would appreciate if you would assist in the matter again. I recently checked my credit report and the Loan has been closed out since I last reported the issue with you regarding the XXXX XXXX. So I am not sure why XXXX XXXX XXXX is contacting me when the loans has been closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (I do not know) with NPS GROUP (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting repeated calls from XXXX. The message left on my voice mail is a recorded message from " NPS ''. They have never identified who they are, who they are representing, and the nature of the call. If I owe a debt, I want something in WRITING that states who they are, who they are collecting for, and the nature of the debt. I do n't think that 's too much to ask. I will NOT give ANY personal information over the phone until I have all of this information in writing because I do n't know who they are. They can not expect me to give out personal information over the phone without proof of debt.

Company response to consumer: Untimely response
Consumer complaint received 09/23/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am one month behind on my mortgage with OCWEN Mortgage who took it over from GMAC, they additionally have us owing several thousand in " late fees ''. I have informed them both verbally and through mail that the house is being leased and they have our address where we live in XXXX, XXXX. The house that they have the mortgage on is in XXXX, XXXX. They are continuing to send CERTIFIED LETTERS to our tenants there, and today XXXX/XXXX/2015 the tenants called me this morning saying that they came knocking on the door and asking for me and telling my tenants that I AM IN DEFAULT. Which is technically true, but this is not public information and is alarming that they are openly talking about my personal financial matters.

Company response to consumer: Closed with explanation