milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Since XXXX XXXX, I have attempted to get a copy of the master promissory note from the current servicer - Navient - of a set of my student loans ( XXXX subsidized and XXXX unsubsidized Stafford loan through the FFEL program, disbursed in XX/XX/XXXX ). After multiple calls in which I have been told that either ( a ) my information would be sent to me, ( b ) they do not hold the MPN and that I should contact the original guarantor ( which I did and the guarantor indicated that this was incorrect and the servicer should have a copy of my loan ), and ( c ) they do not hold the MPN and that I should contact XXXX as they would have the MN ( which I did, and was told that this was incorrect and that the current servicer should hold the MPN ). I have never experienced a greater lack of professionalism and lack of service, including never being given an update on my requests unless I contacted Navient again, as I have with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XX/XX/XXXX found 5 fraudulent charges on my Capital One credit card. Immediately reported to Capital One and was told the charges would be marked as fraudulent and temporarily reversed from my account. 

Upon checking my next statement, I saw the charges were still on the account, and called again. I was told that due to an error in the system, they had n't been noted as fraud and that they now would be so marked so the investigation could begin. I was also told I would receive a letter from the fraud department, which I never received. 

Today (XX/XX/XXXX ) I received an email notice that my payment was late and that I had been charged a {$27.00} late fee. Upon speaking with a fraud supervisor, I was again told that the charges had never been marked as fraudulent and that they would do so now so the investigation could begin. I have an excellent credit rating and payment history, have not used this credit card in several years, and am frustrated with Capital One 's inability to solve such a simple issue and repeated claims of their system being at fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca Mortgage only provided service to 33 % of our property for the first year we were with them, including failed to pay ( but collected ) county property taxes from escrow. We did not know this until our county sent us a late bill and fine for failure to pay property taxes on XXXX of the XXXX lots that Seneca was supposedly serving. We notified Seneca and the issue was not resolved for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Monterey Financial Services LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a letter in XX/XX/XXXX that I owed a debt to the US department of education and if I did not pay it my wages would be garnished. I called the department of ed since I am now XXXX years old and graduated in XXXX. I was told that they did not have a record of selling or passing a loan to what was on the letter XXXX and that the loans where " charged off '' sometime ago. I had not heard from the department of ed in over 20 years so I dismissed the letter as a SCAM. I then received a letter in XXXX on the same letter head of the US department of ed but with the XXXX typed at the bottom that my wages would be garnished if I did not call their offices to arrange a payment plan. i dismissed that also knowing that they were trying to push me into a reloan. Now {$100.00} is being taken from my direct deposit EVERY week for over a month now. When I called GC services they did not have any information to give me but asked me did I want to know the procedure to stop the garnishments. They had not answer to the fact that I graduated over 20 years ago in XXXX and could not have a loan in XXXX. The representative ( with a person in the back coaching her ), said that they do n't know but the US departent of ed sent them the loan in XXXX. I told them that I talked to a rep from the US department of ed and they said the then loans that I did have were " charged off ''. I am a retired XXXX and XXXX and did not get ANY notice where this hearing was, Judge presiding, etc. that the company appeared at in MY ABSENCE without any representation. GC Services sent a letter to my employer to take money from my account for a loan that I never applied for or received. I have not had and communication with US department of ed for over 20 years and now my wages are being taken WEEKLY. Now I do n't even know what company originated this madness because there is the US department of ed on the letterhead, XXXX on the bottom of the pages, and GC Services number on the back of the pages. In one of the communications with XXXX I told the representative to show proof that I created the loan and she sent some documents with my signature CLEARLY cut out of another form and pasted onto the bottom of the forms she sent. PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: We are a XXXX XXXX and were told by the store manager that we WOULD NOT BE CHARGED INTEREST on this account which has now been paid off. She told us it was a same as cash offer and said we would receive this incentive for opening the account. Our XX/XX/2016 statement shows they charged us {$230.00} in interest for 2016. Our account number is XXXX. I want a refund check for {$230.00} sent to us immediately. If they do not send our money, we plan to seek legal action. 
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 monetary relief
Consumer complaint received 06/30/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, I secured a mortgage with Bank of America ( FHA Home Loan ) as a first-time homebuyer. At the time I was offered free " debt protection '' for 1 year ; in the event I could not make a monthly payment on time, debt protection may apply. It was not clearly explained to me what this did and did not cover, but I was advised to accept it due to its free nature. In XX/XX/XXXX/XX/XX/XXXX, I realized that I had been enrolled beyond the 1-year mark and was being charged a monthly fee via my escrow account. No communication had been made to me that I was auto-enrolled beyond the free " trial '' period. I had been billed for an extended period without my knowledge. Further, I also encountered difficulty paying my monthly installment around the same period ( I was a full-time student prohibited from working and thus relying on savings and grants ). Realizing that I had " coverage '' without having known, I called customer service to request the debt protection and allow me some time to pay the installments without penalty. I was advised that debt protection did not apply to this scenario, only a select few ( that were likely not to happen ). 

As a consumer, the debt protection offering was presented in a way that favored BofA, and not me. My savings, credit, employment history were scrutinized very closely and thus it was fairly clear I was not going to need protection during the free 1-year period. Further, it is very unlikely a consumer will remember they opted for a free service, gone unused, after a full year. 

The result is that BofA made over {$1000.00} off me, without providing any benefit and knowing the likelihood of having it 's services used under its narrow parameters was marginal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (MD).
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: Account was paid in full ; however, Enhanced Recovery/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX responded Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. Please send the requested document such as, driver 's license/state ID card or utility bill showing the current address information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, XXXX XXXX or fax the documents to ( XXXX XXXX XXXX to have the Fraud Alert removed from your file. You may also contact us directly at ( XXXX ) XXXX to speak with an Equifax representative regarding additional concerns or questions. Written confirmation was mailed on XXXX/XXXX/XXXX. 


Dispute Response Equifax has reviewed the complaint and its records. Equifax did not receive any additional communications from the consumer during the review of the complaint. No follow up actions are required in further response to the complaint. 


What happened Product Credit reporting Issue Credit reporting company 's investigation : Problem with statement of dispute Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile. 


XXXX to publish the description of what happened? Consent provided Supporting documents PDF document XXXX Product information Information about the credit reporting company Equifax XXXX XXXX XXXX XXXX XXXX XXXX United States Social Security number XXXX Date of birth XXXX/XXXX/XXXX Desired resolution What do you think would be a fair resolution to your issue? 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile Consumer information Contact information Mailing address XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX United States XXXX XXXXXXXXXXXX Phone XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JMS Associates, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received repeated calls and hang ups from XXXX Associates collection agency in Florida. When they finally spoke to me they threatened me with a civil suite and reporting to the Credit Bureaus for an unpaid bill for home repair work I had performed over 2 years ago. I said I had paid the bill and would find proof at home in my records. The next day I sent them my receipt for the final bill marked " final '' and proof of payment with method and date. They said that this was XXXX of XXXX bills and I stilled owed on another bill and I needed to call their office " that afternoon '' to resolve. My records were at home so again I dug through records and found my copy of the other paid bill with method of payment and date. I called the next day repeatedly to explain what I had found. XXXX XXXX ( the agency owner ) refused to take my calls. By afternoon I told the receptionist that I would hold since my calls ere not being returned and he would not take my calls. XXXX XXXX was again threatening about not paying my bills and refused any explanation of the documents I sent him. 

I called the Contracting company and they explained that the salesman had left the company and that they had many duplicate quotes in the system for the work performed on my home. Somehow they decided to randomly pick XXXX quotes and insist I owed them {$2500.00} I have provided proof of payment for the XXXX bills I received for the work performed. What they are trying to collect for is duplicate billing and erroneous work from sloppy paperwork from a former salesman.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: As of XXXX/XXXX/2016, my account is overdrawn due to a transaction that should have never been allowed to occur. True, this was a preauthorized transaction, however, the funds were not there. I had a balance of {$3.00}, and the debit was for {$97.00}. PNC elected to pay this for me, even though the money was not there. 
I called the service center to explain that my account would remain negative until I received my next pay check, which would not be until the XXXX/XXXX/2016. I asked them why they paid the debit instead of returning it. PNC 's response was that they base it off of customer history. They acted like they did me a favor by paying the debit. 
At that point, I tried to get them to act proactively instead of retroactively. I explained that fees would still be adding into my account, and that it was n't fair because PNC should have never paid a transaction that the funds were not available for. The gentleman told me that the fees would have to be dealt with after they were incurred. I, as the consumer, do not have time to worry about whether or not PNC will refund these fees. I feel as if PNC is aware of the hardships they are causing their customers just based off of the complaints I have read in this database. They are charging fees that are unfair, and not allowing me time to fix the negative balance without charging me more money. 
In reality, they are causing a lot of trouble. Because the account has been negative for more than 4 calendar days, they are charging me a {$7.00} daily negative balance fee for up to 15 days ( totaling as much as {$100.00} ). By the time I am able to bring this balance positive, I will have incurred more in fees that the original debit. 
And because my account will have had a negative balance for fourteen days, it is a risk that it will go into a closing state. If that happens, then it will go on record that I owe PNC money, and I WILL NOT BE ABLE TO HAVE ANOTHER CHECKING ACCOUNT BECAUSE OF THE BAD MARK ON MY BANKING HISTORY. 
I have never owed money to a bank, nor have I put myself into that position. I would appreciate it if PNC took me out of that contention. 
I blame them for this whole issue. I think they are trying to get extra money from me, to the tune of {$140.00}, plus the original debit of {$97.00} ; totaling {$230.00}. 
This system PNC has is not set up for consumers. It is set up for them to maximize their profits by feeding off the little people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with ARVEST BANK GROUP, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had a personal line of credit with Arvest for almost 3 years with no late payments. I recently advanced to just under my credit limit. Although I make my payments on time and I have never exceeded my credit limit, Arvest Bank is negatively reporting that I am over my credit limit although I am not. This is negatively impacting my credit, and it could have large negative impacts on a mortgage loan I am in the process of getting for a newly constructed home.

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 10-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (TX).
Issue: Other transaction problem

Complaint: On XXXX XXXX, XXXX, all of my student loan and fafsa money was transferred from my account without my consent. I contacted Wells Fargo the minute I received the email saying all my money was gone. They opened up a claim and when I called on XXXX XXXX, XXXX, they informed me that the wrong type of claim was opened but they would open an online claim and it would be resolved within 10 days. My rent is due on XXXX XXXX, XXXX and they sent me to a branch to get a provisional credit. The branch XXXX advised me that I could not get a provisional credig but I could apply for a new student loan. I did not find this very professional as they have caused me to be without money to eat or pay for my necessities.

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 03/29/2017 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax, they have pulled this info from a 3rd party and the court verified w me that they do not report to credit bureaus and therefore must be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, XXXX at approximately XXXX hours, I checked my credit report using Experian because this was the ONLY credit bureau which gave me negative remarks with a credit score of XXXX points. I noticed the address of XXXX XXXX XXXX, XXXX, California was wrong. I disputed through Experian by explaining to the bureau that I have NEVER lived in XXXX, California in my life. I live in XXXX XXXX, California since XXXX. Someone stole my personal information such as my social security number and date of birth to open several credit card accounts since XXXX XXXX. I had to dispute several fraudulent charges to several credit card companies by explaining to these companies that I do NOT live in XXXX, California. I would like Experian to remove this address of XXXX XXXX XXXX, XXXX, CA and restore my excellent credit score of XXXX points which I have maintained XXXX years of my life. I owned a townhouse in XXXX XXXX since XXXX due to my credit score of XXXX points. I just refinanced my house on XXXX XXXX due to my score XXXX points. I paid ALL my bills on time throughout my entire life by working hard. The suspect stole my identity on XXXX XXXX and has ruined my life since then. ALL I want is 100 % closure and Experian to restore my credit score of XXXX points. I sent a XXXX XXXX Police report to Experian by mail on XXXX XXXX, XXXX to verify what I said is 100 % truth. Experian still refused to assist me and refused to restore my credit score of XXXX points. I do NOT live in XXXX, California and will dispute many fraudulent charges against me. Experian has most of my personal documents such as my CA driver license, social security card, DMV bill, property tax bill and a XXXX XXXX Police report to prove my identity. The suspect committed the crime of theft using my identity in southern California by avoiding capture from the law and payments. I ONLY live in XXXX XXXX since XXXX. PLEASE remove XXXX, CA from my credit report since I have been a victim of Identity Theft. And PLEASE contact XXXX XXXX by having XXXX XXXX close my account due to fraud and Identity Theft. And PLEASE help me restore my credit score of XXXX points which I work very hard throughout XXXX years of my life. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 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: Account status incorrect

Complaint: Equifax &   XXXX   XXXX   shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of   XXXX   who 's payments are current.
Why em i being denied as if I have some collection issues

Company response to consumer: Closed with explanation