milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: In XXXX of 2016, I arranged to settle my account with Navient. The agreement was that if I paid half of my total balance due, that they would agree to settle the remaining balance since the account was 10 years old and in good standing. 2 weeks after I made my payment and was told it was settled and I would receive a letter in the mail stating so, they have been trying to collect the remaining balance that they agreed to write off/settle. I have contacted Navient several times explaining the situation and each person confirms the account is settled. Now I am getting past due payment statements that will probably end up reflecting on my credit report. I want this resolved!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2016 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: APR or interest rate

Complaint: I recently received a notice from Chase Bank informing me that the cash advance APR on my credit card would be raised from 19.24 % to 25.24 % on XXXX/XXXX/16. The notice stated that I could reject this change. I called the company to do so, and they informed me that if I rejected the change, it would automatically close my account. In essence, they told me that I had to accept these new terms, or my account would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 06/30/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with IBERIABANK (TN).
Issue: Fraud or scam

Complaint: I am reporting The XXXXXXXX Family on behalf of my deceased father. XXXX XXXX is using our late father social security number. They 've stole my identity also, They 've changed my date of birth with XXXX, placed a seven year fraud alert on my credit file. My former employers have been changed fromXX/XX/XXXXAll of my former addresses have been changed. My late father name is XXXX XXXX he was a Veteran. He had a veteran 's loan on the property at XXXX XXXX XXXX TN XXXX. The deed number used to make fraud transactions is XXXX, XXXX, XXXX. There is a deed number that have XXXX no tax associated XXXX & XXXX. XXXX XXXX stole my personal information. Birth certificate, drivers license & social security card. The Family took my information with XXXX XXXX to steal funds. XXXX XXXX is a grandchild and she 's using my father social security. XXXX suddenly moved to XXXX using my information. XXXX traveled to XXXX in XXXX. My late father only benefits was social security. He did not have no where that type of money. XXXX have a XXXX XXXX XXXX in XXXX. I 've done a people search on my father 's name. He was XXXX when he passed away. His social security number is still active & shows he is XXXX. My father passed away on XXXX XXXX. The commercial appeal obituary shows his death. XXXX children is using my late father information. I also paid Attorney XXXX XXXX to pull information for me. He pulled my father 's information also. He have this information on file. This another way I learned of the XXXX dollars.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I successfully completed a loan modification on XXXX XXXX XXXX after making 3 months of on-time " trial '' payments from XXXX XXXX XXXX XXXX, XXXX and continued making on-time mortgage payments to date. Unfortunately after reviewing my credit report in XXXX XXXX, I called the loan servicing company ( XXXX XXXX ) and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortgage Billing Statement ( attached ) dated XXXX/XXXX/XXXX which reflects a past due amount of {$14000.00}! I signed and returned the executed Loan modification agreement XXXX on XXXX XXXX, XXXX and it was not completed until XXXX XXXX I received the executed copy of the Modification in XXXX XXXX, which was dated XXXX/XXXX/XXXX, which is obviously incorrect. ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender ( XXXX XXXX XXXX ) and XXXX when they were due since XXXX XXXX, XXXX and the previous past due balance was added to my principal, along with $ XXXX in fees. Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from XXXX/XXXX/XXXX would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did. After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month, XXXX XXXX. All payments from XXXX XXXX to present should reflect " on-time '' and be in good standing for that point forward. They have failed to report correct information or rectify the situation from XXXX to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affected my credit score. Any assistance you can provide would be very much appreciated!

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 06/15/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: My loan company  Nationstar  says that they contacted me on  XXXX    XXXX ,2017  to discuss an issue related to my loan, but I did NOT speak with them and my wife did not either. I have been trying for months and months to get them to give us an answer and they continue to ignore our requests. They 're lying now and saying they spoke with me on  XXXX   XXXX     2017  and say that I told them we were not interested in doing the lit line adjustment. This is a lie!!! I do n't know who they talked to but if anybody they did NOT talk to me. I am worried they are talking to unauthorized people about my mortgage and account. The only person they should be talking to about this is our lawyer but they refuse to talk to him. They should not be talking about my loan with other people! And should not be lying and saying that I said things when I did not!

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX card was used to purchase gift cards from XXXX, when they cards were checked they were all empty had XXXX balance, reported to XXXX and XXXX. XXXX sent me emails from the XXXX unit which stated they attempted to contact the people who used the cards both on line and in the stores but have not received any response. They know I did not use any of the gift cards, they have also stated they know everyone who used the cards by date and time but can only share the information with law enforcement, I tried to file with XXXX Metro PD but they said it was a Federal issue as XXXX is located in XXXX and I live in XXXX XXXX, I then was told to file an IC-3 ( # XXXX ) which I have and have not heard anything back. XXXX refused to give any credit back to my XXXX, they admit that I never used any of the gift cards, and they know who did. I request a credit back to my XXXX for the full amount and a letter to all the credit agencies that this was fraud by others. I spoke with XXXX in their XXXX customer service who gave me the date and time each card was used, you will see the last XXXX numbers of each card the date used and the time, the cards never left my possession so how does one make a purchase in the store without the card? XXXX will do nothing to help nor will XXXX they said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Service, Inc. (DE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: About 20 or 25 yrs ago XXXX said that i owe them some money but I never took out any loan or anything from XXXX, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called ARA Collection they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: The main issue aside from payments being applied late and incurring late charges is that I have sent OCWEN Loan Servicing LLC copies of my homeowner 's insurance policy, as had my insurance company, as has been the case in the past 13 years since having this mortgage and yet they claim they do not have proof of insurance and now have added XXXX insurance. Secondly, I have no evidence of who even owns the mortgage since it has been sold several times with no transfer documentation being furnished to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification from Wells Fargo and it has been a nightmare. They have done everything in their power to keep me from applying for a modification. They said that first I need to do a forbearance for four months. Now they are pushing me to do a short sale. I have payments made to Wells Fargo that have gone unreported. Then they gave me another address to send my payments to. I did that before the due date and they tried to tell me that they did not get it until late. They request paperwork that I have sent them over and over again. Then they assign me to another person after a while and they start the whole process again. My account is a XXXX ACCOUNT. PLEASE HELP ME!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NM).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient is calling me 5-7 times a day at all hours of the day. They have offered me repayment terms and then changed them the next day. They have called me at work after both the owner and I have told them not to call at work. I have told them to stop using at auto dealer yet the calls persist

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get the inquiry 's off I have been calling and sending letters and still no answer I would like them to be removed because I did n't apply or inquiry about any of them

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 05/18/2017 about Student loan (Federal student loan servicing) with MOHELA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When I began repaying my student loans in   XXXX  , I was told I would need to m ake 120 paym ents on time to qualify for th e Public Service Loan Forgiveness  program. I chose to have my payments auto-deducted from my bank account to ensure I would not miss a payment deadline. In fall  XXXX , my payments suddenly increased. I called to speak with a representative regarding this increase & was informed I was on the  Graduated Repayment Plan,  which sounded fine to me. Before the phone call ended, I asked them to verify how many payments were left before I could apply for the loan forgiveness. I was informed by the representative that my payment plan did not qualify for the loan forgiveness & that the loan forgiveness was not retroactive. This was the first I had heard &  read  of this, as I also had been interested in the  XXXX   XXXX   XXXX   XXXX   XXXX . I immediately had the representative start processing the paperwork to swap my loans to a qualifying repayment program. It appears as though I will be working another 10 years as a  XXXX  to get my loans forgiven. I feel cheated & tricked by this program. I made my payments on time ... so why should I be punished for not being on a lower repayment plan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: The credit file belongs to the consumer not the credit bureaus, and all the information therein. They do not have the right to decide whether or not to dispute it. I have tried sever times over the course of a couple years to dispute the wrong information that is contained in my report and they just flat out refuse, and say its erroneous. This is not right.!! plus all three companies should be uniform and held to the same standard so there is n't misinformation and so many different scores out there. I am tired of fighting with theses people about my 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 01/25/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job due to an accident on XX/XX/2016 and i was unable to return to work until XX/XX/2016. I am back at work and i need some assistance getting back on track ... i make less money but i can still afford my mortgage ... please help me keep my 1 and only 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 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: " Contract was cancelled '' " NO CONTRACT ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Prepaid card (General purpose card) with U.S. BANCORP (AR).
Issue: Unauthorized transactions/trans. issues

Complaint: I attempted to make a {$50.00} payment online using a XXXX prepaid gift card in the amount of {$100.00}. The payment drafted XXXX from my card, bringing the prepaid balance down to zero. I called the customer service line ( XXXX ) and spoke with a customer service representative who told me that I had to have swiped my card XXXX, and that I could n't dispute the charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX 2017 I sent a letter to this collection agency referencing an alleged debt in the amount of {$2500.00}. I sent specific request for verification of the alleged debt they said I owed. The Collection agency returned a statement showing the alleged account was opened in 2017. I have no such knowledge of ever opening any account with alleged creditor or collection agency. 

I also sent written request for collection agency to provide documentation of : signed contract by me of the alleged account, verification from original creditor of date of initial and last payment of alleged debt, documentation collection agency purchased the alleged debt from original creditor to include a copy of agreement and or contract. 

The written request from me to the collection agency clearly communicated supporting documentation needed to support their claim. The requested documentation was not returned. This is why I am requesting the assistance of the Consumer Finance Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a 30 day late from XXXX XXXX XXXX this account was never late please remove the late asap

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a {$17000.00} cashiers check at Chase bank in XXXX Illinois on Friday XX/XX/XXXX. On Monday XX/XX/XXXX my bank account showed that the check cleared. On Thursday XX/XX/XXXX I received an email that funds have been taken out of my account as of XX/XX/XXXX and that I need to " refer to maker '' [ of the check ] for the reason. I contacted the maker of the check, XXXX XXXX, who provided paperwork dated XX/XX/XXXX showing that the check has been paid as of XX/XX/XXXX ( so funds should be in my account ). I have correspondence from XXXX XXXX providing the details of this check and that nothing on the customer 's side or customer 's bank side appears to be the cause of this problem. My bank, Chase bank, has not only been unhelpful in providing answers about how a good check I handed them is now a bad check ( per the branch manager ), but they 're doing nothing to help fix [ what appears to be ] their error! The bank manager at the Chase bank in XXXX IL has been rude and condescending, and I feel like I 'm being discriminated against as some working-class schlep who 's trying to cash a " bad check ''. If one bank is showing this check has been paid, and my bank said it has not been paid ... where 's MY money sitting right now? What is the path my check took from the moment I handed it to Chase Bank, and where 's the money sitting now? I 'm getting absolutely NO HELP from my bank. Ive spent 3 days so far working to figure out a major bank error instead of running a business to make money. Im now afraid to deposit checks at Chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX 2015 I paid my account through a credit card in good faith. A year later I get a phone call from Conn 's Home Plus customer service telling me that I have a past due balance. I was puzzled and explained to the agent that I had paid off account. They stated they had no record of me calling to get a pay off balance. That is correct. When I logged onto my account online it gave a pay off balance and that 's what I gave the other creditor. Nowhere online did it state I needed to call to get a pay off balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All XXXX major credit reporting agencies are allowed to DOWNGRADE a consumer 's FICO credit score -- an important measurement when seeking a mortgage -- EVERY TIME A LENDER/RETAILER requests a report, regardless of whether credit was requested or granted. For example, all credit card companies intermittently pull a customer 's credit report as well as routinely doing so upon the account 's renewal date. Further, when shopping lenders to determine their current interest rates a credit report is ALWAYS viewed before any information is revealed to the inquirer. My credit score was DOWNGRADED from XXXX to XXXX during a recent search for lender terms because of this scurrilous practice allowed by all XXXX credit reporting agencies. Any complaint about this practice to all XXXX agencies was met with a bureaucratic nightmare resulting in no real answer. There is no reasonable explanation for such creditworthiness DAMAGE based on NOTHING MORE than a unchallenged COMMON PRACTICE. It is time that this practice to be corrected in favor of the consumer. In fact, to provide documentation to attach to this form will result in YET ANOTHER REDUCTION in my FICO CREDITWORTHINESS score. Do you see what I mean?

Company response to consumer: Closed with explanation