milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: To Whom It May Concern, In advance, thank you for your time with investigating this submitted issue. To begin, my student loan accounts ( federal/private ) were originally assigned to XXXX XXXX but were reassigned to Navient a few years ago. Unfortunately, due medical/financial reasons lead me to file Chapter XXXX XX/XX/XXXX, which XXXX XXXX was the provider at the time. Essentially, my bankruptcy case was discharged XX/XX/XXXX in which there was no correspondence or communication of student loans payments sent to my residence or phone calls. 

Oddly, I discovered an email nearly 8-10 months within my " Junk '' folder from Navient ( unknown source at the time ) about payments past due. As a result, I contacted Navient to further investigate the suspicious email and was advised they assumed ownership of my student loan accounts. Immediately, I requested to consult with a supervisor to obtain the reason why I was not contacted via letter/phone call/etc about this matter. Upon further review, Navient had " out-dated '' contact information and claim there were no other source of contact. Furthermore, my contact information was updated and payment arrangements were established. 

In the meantime, I requested my credit report 2-3 month later and noticed numerous late payments were listed during my bankruptcy period and during the discharge process. Immediately, I contacted Navient to inform advise them of the late payments on my credit report in which the supervisor advise she will submit a request to have all the previous late payments removed. Unfortunately, the late payments still remain on my credit report and the supervisor that was assisting me through the duration of this process is no longer an employee of Navient. 

In closing, I 'm desperately requesting assistance with this matter which is preventing me from restoring my credit history and obtaining new feasible loans ( auto/home/etc. ) to support my family. Overall, this neglect from Navient is unfair my credit history that reflects events that I did not intentionally/unintentionally commit but suffering the consequences. Lastly, I sincerely hope substantial evidence will be revealed to resolve this matter. 

Again, Thank you for your time ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: In XXXX XXXX I was approved at Belk Dept.store in XXXX, NC XXXX. I charged to full limit and never paid late. Purchases were between store and online. My card was lost in XXXX. I received a new card and activated it on or around XXXX XXXX XXXX. I attempted to make and online purchase and purchase was denied. I called Belk around XXXX and was told to reapply. I was told the active card, activated around XXXX XXXX XXXX was not active due to not making purchases. My last purchase was made online and Belk could not find the record. I was told the only way to reactivate the approved successfully activated card was to reapply. I reapplied on XXXX or XXXX. The application generated a message that I would have status of application 24-72 hours as I recall. Today, I received an email stating I was denied due to previous approval. After at least an hour I was transferred to an underwriter at exactly XXXX eastern time I was hung up on by Synchrony Bank underwriter who said I needed to reapply because I did not speak to and underwriter soon enough, I asked what the time frame required was and was told it is specific to each application and each applicant, then he asked when did I apply, I said 24-72 hours ago, his response was that this is my answer to my question. I said my question was, when did your company pull my credit report and why was I not advised to contact an underwriter, and what is the time frame. My report was pulled 24-72 hours ago, why am I being requested to reapply? The letter that Syncrony generated I am copying email to me on XXXX at XXXX XXXX : Synchrony Bank has received your request for credit for a credit program with BELK. Regretfully, your request can not be approved at this time. The boxes checked indicate the following X The request was judgmentally reviewed and denied for the following reason ( s ) : PREVIOUS APPLICATION APPROVED

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 12-08-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I went into a local branch and closed my checking and savings account. It was brought down to a XXXX balance and I was told it was closed. I notified them that my direct deposit would be sent that friday and they reassured me it would be rejected by the bank and returned to the employer. The next day there was a credit reversal posted to the account. First thing Friday morning the direct deposit showed as pending on the account. I immediately went into a branch and talked to a banker. After calling customer service I was told there was nothing that could be done because there was a negative balance. They advised me to have my employer to reverse the deposit. They were unable to due to insufficient funds. Now I can not pay my bills because wells Fargo refuses to release the funds they assured me would never be accepted.

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 10/27/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Making/receiving payments, sending money

Complaint: XX/XX/2006- noticed that banking account with SunTrust had been depleted by unauthorized transactions. Contacted bank of fraudelent charges and submitted police report the same day. SunTrust opened a fraudulent joint account ( over the phone ) with someone pretending to be me and then allowed all the money in the account to be moved out of my account in a three day time period. Have been fighting to receive our funds now for 11 days without much success. The lead investigator XXXX XXXX has not given affadavits in a timely manner and does not reply to e-mails, or phone calls in a timely fashion. We have only received XXXX affadavits regarding the case and are still missing XXXX. At this time XX/XX/XXXX ( day 11 ) no money has been replaced in the account. Recieved one case # affadavit at the end of business day Friday XX/XX/XXXX, notarized and scanned on XX/XX/XXXX and also sent certified mail on XX/XX/XXXX. Still have not had recieved any stolen money replaced into account. We hired a lawyer to help navigate and the company refuses to provide our lawyer with requested information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Student loan (Private student loan) with SLM CORPORATION (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Sometime in XX/XX/XXXX a loan was issued in my name which I did not apply for or sign for. I found out about the loan from my credit report after {$600.00} of interest had accrued. I called Sallie Mae to inquire as to how they could allow someone to take a loan out in my name without my signature or notifying me. I was told someone had my information and I was stuck with the loan, it was my problem. As interest was accruing and I feared my credit report would be damaged I had to take out a loan to pay Sallie Mae in XX/XX/XXXX. I never received a promissory note, loan terms of agreement or any communication from them regarding this loan prior to it being reported to the credit bureau. I felt like the response I received was very irresponsible and left me feeling angry, taken advantage of, hopeless and without recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I began the process of repaying my student loans inXX/XX/XXXX. I made an error and missed my first repayment date by three days, so when I payed the loan amount, {$370.00}, I was charged for both the month of XXXX and XXXX. Making the two payments allowed me to get caught up and have some time to save for the payment that would be due on XX/XX/XXXX. In order to make sure I did not miss the date again I enrolled in the Autopay feature so when there is a balance on my account, the {$370.00} would be taken on the due date, the XXXX of every month. I logged onto my account today, XX/XX/XXXX, to make sure that everything was going smoothly since my next due date is coming up in three days. To my surprise I saw that my account had been charged for the XXXX payment, which was two months worth, totaling {$750.00}, again for the XXXX payment, {$370.00}, and again for the XXXX payment. All of this time my total balance due on the XXXX of every month has been {$0.00}, and yet money is still being taken out. When I noticed this I called Navient to discuss what to do since I am still being charged and I am a month ahead. I wanted to have the balance even out so I would have that one month of recovery period to get money back into the bank. I was put on hold and then told I could be helped if I agree to the terms and conditions, I did not think about it until I heard that I would be put on a forbearance because I was not able to pay. This is crazy! I am able to pay, I already did pay, and now they want to charge me interest and say I am not able to pay to make up for their billing system errors.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Student loan (Non-federal student loan) with ACCESS GROUP INC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Perhaps this is a common problem. I have had private law school loans since 1998. These loans are currently split between XXXX service providers - XXXX ( formerly XXXX XXXX ) and Access Group ( ACS ). Since my loans went into repayment, I never missed a payment, and paid my full amount owed every month. However, in the last couple of years, I 've had some challenges. I had to take time off from full-time employment due to some health issues, and we needed to relocate for my husband 's job across the country. I had a baby. I needed to stay home for a while. With both loan providers, I was able to suspend the federal loans, but the private ones have been more problematic. I am told I have no other options with those at this point. The monthly for ACS is {$270.00} and the monthly for XXXX is {$230.00}. The financial stress on our family is significant because of this, as I am not bringing in an income and not receiving any type of unemployment assistance. The lenders claim I have no options. I asked if it might be possible for me to pay a lower amount each month until I obtain employment. The answer was no, that this would still be considered default, even if I paid XXXX-XXXX percent of the amount owed each month. Essentially paying a substantial portion counts for nothing. I feel that this makes no sense and is borderline predatory. It seems as if trying to work out an arrangement with them is impossible. I understand why people give up and do n't pay at all. However, I have excellent credit and it 's important to me to retain this. It 's going to wipe out our savings over the next few months. I think the unwillingness to work with clients during financial difficulties is a real problem. This is not credit card debt. Most of us with these loans are responsible consumers. The failure to work with an individual who is willing to pay the maximum possible in his/her current financial situation, is something that I felt was worth documenting. Thank you for your efforts to monitor business practices by the student loan industry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I withdrew XXXX Bitcoin from my BTC wallet on XXXX to a generated wallet in my account on XXXX. About 10 minutes prior to this transfer I withdrew XXXX Bitcoin to the same XXXX account and the transfer went through quickly and without incident. However the XXXX Bitcoin never showed up in my XXXX account. I received several automated emails from coinbase, the company that runs XXXX, stating that my deposit completed successfully, however the bitcoin was never deposited into my XXXX wallet. I have sent coinbase customer support two emails and have received no response. I have looked online for other people experiencing this issue and it has happened to many people, getting the exact same emails when transferring from coinbase to XXXX and not having their deposits show up, even when they show as completed on coinbase. People have had their deposits in limbo for almost 3 weeks now and coinbase customer support can take months to reply. This is n't right, this is Coinbase 's fault and they need to take responsibility for it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all three agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : TransUnion : XXXX.2016 and XXXX.2016

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 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An account on my credit file is not of my own doing. Unbeknownst to me XXXX XXXX placed me onto her credit cad with XXXX XXXX as an authorized user in which she opened XXXX XXXX, 2016 with a credit line of {$3000.00}. I contacted XXXX XXXX and had myself removed and advised I need this information removed from my credit file and was advised it would not be reported if I wee removed immediately. I explained to them I never asked for this and was not aware of this. I also contacted XXXX, XXXX and TransUnion and was advised to contact the creditor. I am being told by the credit bureau to contact the creditor while the creditor says contact the credit bureaus. I want this removed from my credit report immediately.

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 07-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 10/20/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (MO).
Issue: Problems when you are unable to pay

Complaint: I FILED CHAPTER XXXX. THE CREDITER DID A HARD INQUIRY AFTER I GAVE THEM THE CASE NUMBER AND MY LAWYERS INFORMATION .WHICH RESULTED IN MY CREDIT SCORE DROPPING.THE DID NOT HAVE PERMISSION TO RUN MY CREDIT. THIS ACCOUNT WAS ALREADY CHARGED OFF AND THE INQUIRY SHOWS IT BEINGING ON MY CREDIT REPORT FOR TWO YEARS. MY BANKRUPCY CASE NUMBER IS XXXX AND THIS LOAN IS INCLUDED IN IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've been trying to dispute this account for over a year and still no resolution. I 've attempted calling many times over the year. On XX/XX/XXXX, I disputed an account with AFNI, Inc., about a debt that they are reporting on all 3 of my credit reports, in the amount of {$470.00}, being that I have NEVER had a contract with them and I have not received any debt validation from them with anything signed by me. They then had my credit reports updated on XX/XX/XXXX and is still reporting which is a violation of the FCRA. I demand that this item be taken off my report immediately as it is affecting my ability to obtain needed loans and or credit. They are scamming people and very belligerent, unprofessional and rude when you call in to speak with them. In addition, this company does n't show as being licensed to collect in the state of Texas under the address and phone # that is being reported in my reports which is : Creditor Information AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Luckily I received a message from my Homeowners insurance representative last night ( XXXX ), notifying me that my homeowners insurance had not been paid by my mortgage company and that there was only four days left until my insurance would be cancelled. 
My mortgage ( and accompanying escrow account ) was purchased by Carrington Mortgage in XXXX ( from XXXX ). I looked at my account online and it said there was no record of the homeowners insurance being paid, but THEY HAD UPDATED it to say that it was n't due again until XXXX of XXXX, meaning they had made the changes on my online account to MAKE IT LOOK LIKE they had paid the insurance. I looked up my insurance account and the renewal notice had been sent to Carrington XXXX XXXX XXXX. Which means that they had over three months and did n't pay it. This morning ( XXXX, XXXX ) I called Carrington ( and got more than the usual run around ), and they could not tell me why they had n't paid it, and refused to pay it until they spoke with someone in my insurance agency. They also told me that both that the policy had and had n't been cancelled yet. They refused to tell me that they would actually pay the bill for the insurance. They refused to do anything to help ensure that I would continue to have insurance, aside from call my insurance agent. When I asked for something in writing to demonstrate how they would prevent this from occurring again she refused. So they breached the implied contract of my escrow account and refused to put in writing the service they are obligated to provide. 
I later called my insurance agency ( XXXX, XXXX ). XXXX was very helpful! They had just spoken with someone from Carrington who was not helpful. XXXX told Carrington that my homeowners insurance would be completely cancelled at XXXX Sunday night. Carrington agreed to send a check by overnight XXXX, however refused to agree to send it today. 
Indicating Carrington Mortgage Company purposefully and knowingly refused to pay my homeowners insurance ( that is their responsibility to pay on time ) either on time or in time to prevent me being without homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CT).
Issue: Managing the loan or lease

Complaint: Ally Financial make incessant calls prior to late payment calling my parents, neighbors, relatives to the point of harassment also divulging personal information and threats. 
They will not relent.

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