milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase Auto , charged-off my auto loan around  XXXX . Insurance and GAP insurance made the payment after the charge-off. The account is no longer a charge off as it 's been PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting a collection account for XXXX XXXX XXXX in error. This account was paid by XXXX XXXX XXXX XXXX XXXX, and should not have gone to Collections. 
XXXX XXXX NEVER validated this debt with XXXX XXXX, nor did they validate that it was paid by XXXX XXXX XXXX XXXX. I have never received nor authorized anyone from XXXX to validate with XXXX XXXX so I know they never have. 

Per the FCRA XXXX XXXX they have not properly validated the debt, and it should be removed from my Trans Union 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 07-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: XXXX keeps going on my acct, vendor was suppose to stop the billing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (KS).
Issue: Account opening, closing, or management

Complaint: I originally submitted complaint : XXXX - the company ( Wells Fargo ) has never responded correctly and now many other issues are present. The latest letter they sent me is attached, as well as the statement that I requested. Here are the big issues remaining and now present : 1 ) I have never been 30 days late, so why is there a late fee on XXXX? 
2 ) What is the additional {$10.00} fee on XXXX? 
***I am requesting those fees be removed given the length of this issue and the fact that I have never been 30+ days late paying. 
Additionally, 3 ) My financing was for, I believe, 5.6 % - but from the statement, I can see that Wells Fargo has been charging me over {$100.00} in interest on many months, and then some months much less. This is not ok - and must be discussed ASAP. Explain why the monthly payments and the interest fluctuate when I have set financing. 
4 ) You refunded me {$43.00} for 5 months of backdated interest on the {$960.00} - what calculation do you use to reach this number? I would like proof of this. 
5 ) Finally, please explain why our payment is now higher, even though the principle is now drastically reduced by the credits we had processed from XXXX ( that you held for 5 months ). In the letter from Wells Fargo ( attached ) they said they " could not lower our payments '' - but that 's not what I was asking. If the principle goes down by close to {$1000.00}, then the math would make sense that the payments would also decrease - not increase. Explain ASAP. 

I am doing this in writing, through this oversight board, because I feel that Wells Fargo has taken extreme advantage of me during the duration of my loan with them - and the unresponsiveness and lack of customer concern is quite disturbing. Having this happen while my family faced homelessness and hunger, but finding a way to always make this payment before the 30 days - I deserve some kind of respect and response - and quickly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To Credit dispute department : XX/XX/XXXX - Contacted XXXX Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XX/XX/XXXX, Amount {$8300.00} Reported as income from form XXXX from XXXX Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted XXXX services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income in XXXX. 
XX/XX/XXXX - Am told by XXXX Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at XXXX, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but XXXX and Experian has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX 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 02-06-2017 about Bank account or service (Other bank product/service) with Navient Solutions, LLC. (MD).
Issue: Account opening, closing, or management

Complaint: I requested a 12 month deferment to for my Navient student loan in 2010. I had lost my job in 2010 and this is the reason I needed to deferment. At the time I requested it they were called XXXX XXXX. I tried to contact XXXX XXXX in the 12 month. They never notified me they changed into Navient. They came back and said since a was one month over the 12 months, XXXX total that my account was sent to credit collection service called Pioneer. My loan was for XXXX. They added XXXX for the one year deferment. The total was XXXX I would owe. Navient-Pioneer said since I wnt one month over they were adding XXXX to my loan as capitalized interest for the one month over. My loan went from XXXX to XXXX. They never contacted me about the name change. Can they do this to me? Is this legal to charge someone XXXX for a month for interest. I call them and never get any answers

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX   and Equifax, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX  and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Other mortgage) with Arbor Residential Mortgage LLC (OH).
Issue: Application, originator, mortgage broker

Complaint: seneca this mortgage servicing is on my credit report, It belong to my hubsand who is decease. so they put it on my report. my name was not on this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: This is continuation of case # XXXX. I apologize not submitting all my documents one time. I am here to bridge the miscommunication between XXXX XXXX and Bank of America. To pin point where problem is, I need your help to provide me these documents that l stated below. Here is anther Sample of those documents I am requiring. I had obtained this guide line documents from XXXX XXXX website ( Transferring mortgage instruction ). Also as stated on the manual of Cfpb, you are obligated to keep a copy to your self all the Documents you have sent to the new servicer. 

Loan Acquisition Scheduled UPB Amount ( formerly known as the Unpaid Principal Balance ). 
On the Funding Date/Sale Date : Receive cash wire from XXXX XXXX XXXX XXXX, as Trustee for XXXX Cash wire Includes funding adjustments and net funding. 
Includes the Servicing Released Premium Access cash settlement statements in the Selling System. 
Funding Details Report Loan Purchase Statement providing me those documents will definitely settle my case. 
Thank you 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 explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been charged so many late fees and not given many options to help with repayment. Now bc I signed up for IBR my student loan debt and accumulated all over again plus my balance increases on my credit report every month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted several request to XXXX, XXXX and XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XX/XX/XXXX payment history on credit file show XXXX having been 60 days late. Date of first delinquency XX/XX/XXXX payment history on credit report has XX/XX/XXXX being the first reported delinquency.

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 09/14/2015 about Consumer Loan (Personal line of credit) with STERLING JEWELERS, INC. (MD).
Issue: Managing the line of credit

Complaint: I was the victim of identity theft and endorsements, contracts, accounts, etc., were made without my knowledge, consent, and or authorization. I never signed nor endorsed any contracts or applications that created any accounts for debt service with Kay Jewelers. I have NOT received benefit or value from the proceeds of the endorsement XXXX XXXX ), contract XXXX XXXX ), application XXXX XXXX ) and or the Kay Jewelers account XXXX XXXX ) directly or indirectly. All information pertaining this matter was given voluntarily for the purpose of establishing the fact of signature forgery and identity theft, in addition to blocking the information from my credit report, pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. Kay Jewelers continues to report an account I did NOT open and/or authorize. Possible endorsements were made using my correct personal identifiable information that were stolen and or lost. Additionally this matter was reported to the FTC and local authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Closing/Cancelling account

Complaint: On or around XXXX XXXX 2015, I called Capital One to close my Secured MasterCard account. The representative confirmed that this account would be closed and provided information with regard to receiving my security deposit. Instead of this, the representative closed my unsecured Visa account of which I was not aware.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: An escrow company submitted XXXX payoff checks to Navient on my behalf. The checks were overnight shipped to the proper address, an employee at that address signed to accept the delivery, and I received confirmation that the package was delivered. The checks cleared the bank on Jume XXXX, but Navient has not applied the amounts to my account. They say that they did not cash the checks, that XXXX XXXX cashed the checks, and that I need to resubmit checks to the proper address and deal with XXXX XXXX to get a refund. I confirmed the address with Navient, sent them the deliver confirmation, sent them copies of the cancelled checks, proving that the checks were addressed at made out to the proper entity. Still, the refuse to resolve the issue and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Revenue Corporation (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: United Revenue Corporation has been provided my personal information and is using is without merit and authorization to report a medical collection on my credit report. I have requested multiple times to have this negative and unauthorized information removed from my credit report and been unsuccessful in getting United Revenue Corp to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I went to Experian to get a free credit report. They charged me {$1.00} for it on my credit card. Then they signed me up for a monitoring service I did n't want. I did n't even know I was being signed up for it until I started getting billed on my credit card. They have billed me {$21.00} XXXX in a XXXX month period. I called them to cancel this unwanted service. It was after-hours and the automated phone prompt directed to me to send an email to cancel the membership. I did. They replied back that they could n't find a record of my account and to send them more information. I did. They said they still have no record of me based on my name or email. I called them to cancel. I waited on hold for almost half an hour. When I finally got someone, they asked for my name, phone number, email, date of birth, etc. They said they do n't show any record of me. I asked them if I have no membership with them, why are they billing me. They said to give them my credit card number. I said I 've already done that and you started billing me with unwanted things, so why would I give you the number again. If they 're already billing me, they should have my credit card number along with name, address, etc. They keep saying they have no record of me, but they keep billing me! I did a google search and found dozens of others going through the exact same thing and none of us know what to do to get it to stop. I 've filed a complaint with the XXXX and contacted my credit card company which is now in a billing dispute with them, but I have n't heard back to see if anything has been done. I just want to cancel the membership that I NEVER wanted. The only reason I went to Experian was because the FTC website said I could get a free credit report. They need to be more upfront that they are charging you and signing you up for memberships because from what I 've seen, this is common practice for them. Now they have emailed me saying maybe it 's another company with a similar name. I 've tried explaining to them it 's not another company, because it 's their same name and same customer service number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I have a copy of my credit report and there were XXXX accounts reporting with Santander. The information reporting was not complete nor did it look accurate. It was disputed with the bureau and the information was not complete so I sent a request directly to Santander requesting validation of the debts and what they send was unacceptable. It does not validate the information. It is only a letter on their letter head stating what they are reporting is accurate. NO documents that I requested were included such as instrument showing my signature, correspondence etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capital one changed my due date twice apparently because I changed addresses which makes no sense because my physical location has no bearing on me making payments. They did it once when I updated my address from my brothers house in California to an apartment XXXX miles away and again when I moved XXXX miles to a new apartment in California. Funny part is my date did not change when I updated it to reflect my move from Maryland to California. It was changed from the XXXX of the month to the XXXX in XXXX of XXXX and it then changed again to the XXXX of the month in XXXX XXXX. 

So why change it when I moved within a state less than XXXX miles from location to location yet when I changed states it was not changed. 

Capital one sends me an email if you pay your bill why not send you a notice to ensure you know that your payment date has changed. Also capital one has removed their online messaging system making it so that you have to take time out of your day to call them instead of being able to send a quick secure online message through their system.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (I do not know) with Troy Capital, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have previously sent notice requesting additional information on this debt, to date I have not received anything from Troy Capital, but it remains as verified with the credit bureaus. I am requesting this debt be removed from my credit file with all bureaus since I was not properly given notice of this debt or the opportunity to validate or dispute this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (I do not know) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Robocalls continued to our office for months claiming we needed to call the number of Complete Collection Services concerning a debt collection case. 

There was no way to stop the calls without calling back the harrassers. 

I finally had to take time pout of my business day to contact these people to stop harassing us with this imaginary debt scam. 

When a person answered and I gave then the number of the phone line that was being called they admitted it was the wrong number. 

It is not the responsibility of innocent consumers to fund the activities of these clowns because they ca n't be bothered to check the facts or at least be the ones paying the people to waste time on this.

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 08/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: Capital One credit card was opened without my permission, after investigating they refused to remove the account, however I was told that if I paid the balance due on the account WHICH I DID, that they would change the status from 'Charge Off '' to " Closed '' To date all XXXX credit agencies are still showing the account that has a XXXX balance as " Charge Off '', I would like Capital One to change the status to " Closed '' as was promised to me once the balance was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX claims Bank of America transferred servicing of loan number XXXX to them. Loan number had a XXXX balance when Bank of America transferred it. However, XXXX indicated the loan was greater than {$80000.00} past due when transferred. 

On XX/XX/XXXX, XXXX Bank of America 's Loan XXXX reinvestigation indicates the loan balances are XXXX, date closed XX/XX/XXXX. Notwithstanding, the loan history does n't show any delinquencies after XX/XX/XXXX. 

Therefore, XXXX/XXXX/XXXX, the loan balance was XXXX as well. There was no balance due when the loan was transferred to XXXX. At the very least, XXXX 's transfer loan data should be the same as their predecessor 's. 

I 've been disputing this collection since XXXX 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 explanation