milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid my account about 3 months ago and its still showing up on my credit report. I contacted the collection agency and they said its an XXXX issue and they need to update their records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I found  XXXX   XXXX  CA  XXXX   US h as charged me on my  Chase Visa card  since  XXXX  {$0.00},  XXXX  {$9.00},   XXXX   {$19.00}. I do not have an idea about  XXXX  and how they got my visa card information? I have looked up  XXXX  and found many people were charged without any idea of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Our home loan was sold off to SPS Servicing , Inc., XX/XX/XXXX from XXXX XXXX. Our credit was so good XXXX gave us {$8000.00} towards the principal of our loan. We 've been trying since XX/XX/XXXX to set up ACH Payments every month. Was NEVER told we could do it online. After the 1st attempt ( sent voided check ) account number wrong. After 3 more times, they failed to read the documents & continued to put the wrong number account number for withdrawal. The 4th time I sent a fax. My bank puts a dummy account number on checks to defer fraud. 3 times I wrote the correct account #, but they failed to read it. They want to charge {$15.00} for a phone payment, {$15.00} for an online payment. I have called more than 10 times! Check the notes! I do n't think they want our money. So now, I 'll snail mail a check every month. They do n't get it? They can have the house. 
We have NEVER missed a payment since we bought this house XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Currently XXXX XXXX Military. Loans were in deferment tried to get the loans on income base repayment. Navient continue to only put them in differment causing XXXX in interest as well as this loan which is in the amount of XXXX is continuously hurting my credit score and the lender is very difficult to work with every time I look my balance is going up.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (I do not know) with I.C. System, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive calls from this number daily at different times. Was getting voice messages about speaking with a XXXX XXXX and where they can find this person. Recently these have been automated calls asking me to hold and someone would speak with me. The hold time is over 2 minutes and no one answers. These people have been informed that I do not know this person and this number is registered on the National Do Not Call list.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting inaccurate information on my credit file. I have disputed this several times with them over the last 2 years, however they are still reporting incorrect information. They are reporting the incorrect date on my credit file. The below account went delinquent on XXXX XXXX, XXXX and they are reporting the date of XXXX/XXXX/XXXX which is illegal. This account should have been deleted from my credit file. I have attached supporting documents that this account is incorrect and needs to be deleted from my file. 
XXXX XXXX Balance {$1200.00} Date Opened 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
Consumer complaint received 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX, 2014 XXXX XXXX pulled my credit XXXX times without my permission. I have a consumer statement attached to all credit files stating that all creditors have to verify my identity before using my credit report ( inquiring ). All XXXX credit bureaus allowed XXXX to pull my credit numerous times when I consented verbally to only XXXX. I have written letters to XXXX of the creditors with a certified mail receipt. XXXX of those companies want my personal information to verify my information now ; ( although they never bothered to verify my information to pull my credit in the first place ) otherwise they will not do anything to remove inquiries that I did NOT authorize. Because I 've been a victim of identity theft before I specifically told XXXX XXXX to pull my credit only XXXX, XXXX of my credit reports has a total of XXXX inquiries from this day and it is hurting my credit. All XXXX bureaus tell me to put a fraud alert on my file, which is fine ; the only problem is that their not helping to remove hard inquiries that I never allowed. Then I 'm told they will " Fall off '' after XXXX years. Anyone trying to access my credit file should have adhered to my consumer statement and they completely ignored it, all XXXX bureaus allowed them to do whatever they wanted. I would have NEVER bothered with the statement if it was n't going to be adhered to ; whats the point? I need help with this matter and nobody seems to be able to help me ; I never allowed that many companies to pull my credit, I never would because I know better ; yet I 'm suffering the consequences and surely it will affect my ability to purchase a home next year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Requesting a new investigation and dispute re-insertion on credit report with XXXX and Ad Astra. I previously sent a Letter for a pay to delete settlement request on XX/XX/XXXX via certified letter for Account Number : XXXX to collection agency reporting as AD Astra for Original Creditor : XXXX XXXX XXXX as Listed on Credit Report : {$650.00}. Terms listed in letter attached were if payment were to be cashed and or deposited agency agreed for pay settlement sent to delete off credit reports. If agency did n't agree to terms to send payment back immediately to sender with counter reply. I did n't receive any letters back or an counter dispute and my money order was cashed. I disputed with all three credit agencies and they Were removed immediately and considered closed and settled with the letter and proof provided to XXXX and XXXX. XXXX is currently pending investigation as of XX/XX/XXXX. Now as of XX/XX/XXXX checking reports I noticed XXXX has reinserted Ad Astra noted as Open with reporting date XX/XX/XXXX. The Ad Astra collection agency restarted reporting date on XXXX. I have not been notified by XXXX nor by the Collection agency which states If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Both are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately on all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX 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
Consumer complaint received 04-07-2017 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Late fee

Complaint: I submitted a complaint back on XX/XX/XXXX regarding the one 30 days late payment I had on this card which was accrued after the passing of my father. I was granted a removal of the late payment from my credit report via a letter from BMO Harris Bank. Fast forward to today, XX/XX/XXXX, I open my XXXX and the payment has been placed back on my report with no written notification to me which is a direct violation of consumer protection laws.

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 09-08-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Unsolicited issuance of credit card

Complaint: XXXX Best Buy : XXXX, MI I was purchasing computer products at Best Buy in XXXX, MI and when I went to complete my transaction and pay for the products the salesperson that was assisting me asked me if I would like a {$150.00} gift card or 6 months free financing? 
I stated that I would like the {$150.00} gift card and did not need financing. 
The salesperson retrieved my information from their records and both my last name and address needed to be corrected/changed. 
The salesperson needed to make a phone call to make the changes of my last name and my address. I believe I had to sign an electronic signature to change my name and input my SSN ( as I understood from the salesperson to make these changes ). 
I then spoke to someone from Best Buy on the phone to confirm these changes. At that point she asked me for my annual or household income ( at the time I believed this was for marketing purposes ). Then I asked the person on the phone from Best Buy who I believed to be changing my name and address if she was " pulling '' my credit bureau? She acted surprised by question and said " well, yes! ". 
I proceeded to ask the salesperson why would Best Buy would be " pulling '' my credit bureau? 
I 'm not certain the exact response from the salesperson other than something like ... '' that I would be able to use this card for future purchase, get my {$150.00}, and get future discounts etc.. 

I shared with the salesperson that I did not need or want a credit card and that he never asked me if I wanted a Best Buy credit card or told me that Best Buy would be retrieving my credit bureau. I felt very concerned about the safety of the information I had already provided Best Buy under the pretense of changing my last name and changing my address information. 

I believe this sales technique of offering a " gift card '' and then retrieving a consumer 's credit bureau without their knowledge ( and in my option, without my authorization or signature to do so ) and setting consumer up with a Best Buy credit card is very deceiving and unfair to consumer.

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 03/15/2017 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt should be paid by XXXX indigent/charity care!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: Deposited a check from XXXX XXXX on XXXX at XXXX in the amount over {$2500.00} to my Wells Fargo I used the ATM to make the deposit since the bank line was long and I 've been told I get quicker access to funds. 
The receipt advised funds would be available XXXX. 
The funds show posted to my account but the amount is not available as of today at XXXX. 
I talked to a claims adjuster for XXXX, who said the funds cleared his bank XXXX. 
Wells Fargo is saying they got a code from the FED that an item was returned earlier by Progressives bank and accordingly they have an extended hold on my funds that expires XXXX. I have spoken with Wells Fargo twice at their XXXX number and was told 1st that the funds were not available til XXXX. on the 2nd call I was told the funds were not available unitl XXXX and the expiration on the hold was XXXX. I spoke with a supervisor who said nothing could be done. Attached is a copy of the receipt from Wells Fargo when I made the deposit. I 'm stuck between XXXX who says the funds have cleared and Wells Fargo who seems to be holding the funds for no reason related to me, under the guise of " Protecting me from a fraudulent check ''. 
Please advise.

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 11-08-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had opened a checking account with Bank of America a few years ago, and I had gotten a secured credit card. Unfortunately I had overdrawn the bank account, and my card went to collections. 

In XX/XX/XXXX, I went into a Bank of America location to pay both accounts off in full, in cash. Upon attempting to pay my debt in the branch for the secured credit card, they told me they were unable to accept my payment. They did however accept payment for my Checking account. 

I have been denied opening a checking account at a local credit union in XX/XX/XXXX. They told me to investigate with XXXX XXXX. 

I contacted XXXX XXXX, and Bank of America is not on my report, however, I was told by the branch manager, that the checking account from Bank of America was not showing paid. 

I have contacted Bank of America in an attempt to have documentation forwarded to myself and the local credit union. They told me that they were sending this documentation via fax to my credit I attempted to pay the debt in XX/XX/XXXX, and I feel that it should reflect that. I am paying the balance in full today, XX/XX/XXXX, as I have been informed by Bank of America 's collections department, that I CAN indeed pay in the branch. I was told that if I had any problems paying this debt, to contact Bank of America back at XXXX, and speak with a supervisor. Unfortunately the supervisor also told me they were unable to adjust the report to the credit bureaus. 

I feel that Bank of America has violated fair debt collection practices by refusing my payment in XX/XX/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 03/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a modified loan serviced by XXXX. For the most part of the life of my loan, I have always made my payments except for the months of XX/XX/XXXX through XX/XX/XXXX, when I was seeking a loan modification. At the time, I felt the balance on my property was way less than the market value and secondly, I was barely meeting my financial obligations due to other debt burden. 
I would like to say that for a period of 4 months I was put on a trial period where I was paying just enough for the Mortgage interest and escrow until the Loan modification is done. At the time of the Loan modification, it was explained to me that any outstanding payments was going to be rolled into the principal balance for a 40-year term. 
Looking at my statements, there was never a time where my escrow was not paid. My escrow payments for the past two years when added up, averages close to my property taxes and home insurance payments made by my mortgage company for the same period. 
About 3 months ago, XXXX transferred my mortgage to NationStar Mortgage. Just this week, I got a letter from NationStar Mortgage that my monthly payment has increased from {$1700.00} to {$2600.00}, an increase of about {$840.00} ( about XXXX % increase ) starting from XXXX/XXXX/XXXX. According to the notice, the reason for the increase, was due to a shortage in my Escrow for the amount of {$10000.00}. 
When I called NationStar Mortgage to inquire about the shortfall, I was told that the shortfall was a transfer from XXXX. I contacted XXXX and I spoke to one of the representation, I could not understood his explanation. I requested for statement history for my account and I was sent a file containing the statement that was so full of payments and reverse payments and adjustments that is pretty hard to understand. 
For me the timing could not have been worse, as I have been unemployed for the past six months. I am barely trying to stay afloat financially until I get a job. 
I would appreciate it if you can advise me on how to proceed with this issue or direct me to any organization that will be able to assist me. I have attached a copy of the letter and the statement that was sent to me by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraud & Improper use of my information

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I took out a Parent Plus loan for my XXXX girls to go to college when I was going through a divorce. The original loan was XXXX and now is XXXX. I have tried the forbearance and have asked to receive the income-based application several times in which I never received I can not afford this loan I am single and an XXXX XXXX I barely survive on my own. When it was XXXX XXXX I was able to pay $ XXXX monthly and could do this. Now my payment is over {$300.00} and the interest and loan just keeps getting higher. I am at a loss with this. Navient has not delivered this income based application and I have asked several times. Not to mentioned the multiple emails and calls I receive for non-payment which I can not pay. This original loan has almost doubled. HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I made adjustments through the online dashboard to NOT ACCEPT any charges that were going to over draw my account and deny the transaction. 
Capital One 360 decided for me in a credit card dispute and credited my account {$750.00}, then months later they changed their mind over false evidence then attempted to charge me {$750.00}, this sent my account to XXXX. 
I did not authorize this {$750.00} charge, plus the account settings were set to deny any such charge that would send my account negative. Capital One 360 over rode these settings in my account and forced the charge against my will making me a debtor to an un-authorized charge. 

I have never " lost '' any reversals of charges in the past, XXXX was the original owner of the account but Capital One 360 purchased them and made the customer service hostile against customers in an already broken banking industry. I AM NOT paying this or making any deposits. I will go to the cashless society and trade in silver if I have to, I will not take this abuse.

Company response to consumer: Closed with explanation