milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am a XXXX. I have XXXX for 13 years. The last 6 years of my XXXX career  have been at 2 low income XXXX. I applied for XXXX loan forgiveness through my 2 current lenders. I owe about {$1000.00} to XXXX and about {$3000.00} to Navient. The loan forgiveness act allows up to {$5000.00} to be forgiven when certain criteria are met. I have met the criteria. I applied for forgiveness at both XXXX and Navient because the combined amount is less than {$5000.00}. I sent in the applications last summer ( XXXX 2016 ). The forms were exactly the same. The one sent to XXXX went through with no problem. It is currently with the Department of Education awaiting approval. Unfortunately, the same ca n't be said for Navient. I turned in the same form to Navient and they denied because the principal wrote the name of the XXXX as XXXX XXXX, but on the XXXX Cancellation Low Income Directory it was listed as XXXX XXXX. I called Navient and told them that there are hundreds of XXXX on the list that say XXXX. and that it is a common abbreviation for XXXX. The supervisor I spoke to then said that it would be ok, but that I marked a box incorrectly in another section. She told me how to fix it and then I resubmitted it. About a month later I got another denial letter, but this time it said that the service date was written incorrectly. It said it had to be written as mm/dd/yyy. However the service dates were written correctly. Instead where the XXXX  signed and dated it she wrote the date as mm/dd/yy. I called several months later because the XXXX year was underway and that is a very busy time. When I called Navient and complained, again, after almost an hour on the phone they said they would resubmit the application. That was a couple of weeks ago. Today, I got a letter saying that my application was denied because my current employee wrote my service dates as mm/dd/yyyy to current. They denied it because it ca n't say current that it must have a date. I called again. I told them that they should have told me everything that was wrong with my application from the beginning. They just seem to keep picking some tiny thing to deny it each time. I also told them that the same application was sent through XXXX with no problem. I have been told that I need to fill out a new application to resubmit. I am beyond frustrating and feel like I am getting the run around. I feel like they are just trying to get out of the forgiveness so that they can get more money is interest from me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A XXXX account was created in my name in XXXX of 2011, however, I could not have opened this account because I was under the age of XXXX at the time. XXXX has a debt in my name for {$430.00}, which will deny me military access if the debt is not paid or cleared. I have never had XXXX, my identity was stolen and used to purchase XXXX illegally in the name of a minor. In 2011, when the account was opened, I would 've been XXXX years of age. Let me add that the account is registered to XXXX XXXX XXXX, XXXX, Kentucky, XXXX. I have never lived at said address, XXXX XXXX lives at said address.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I am not past due on my account and the bank ALLY Bank called my neighbors looking for me. When they had a good phone number to call me. I tried to file a complaint and was transferred from XXXX to the US and back from rep to rep and was denied a Mgr. It took over an hour to get to the operation XXXX Division Mgr XXXX, XXXX XXXX XXXX who could not resolve the situation. 

I am worried that they will continue to act unprofessionally and continue to call my neighbors

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 02/13/2018 about Vehicle loan or lease (Loan) with BB&T CORPORATION (GA).
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint: I went to the XXXX dealership on SaturdayXX/XX/XXXX, because I was having problems with my car. XXXX XXXX was the salesman who helped me. This was a first time car purchase for me. He showed me a used XXXX XXXX XXXX. I took it for a test drive. He asked if I liked it and that was it. He ran my credit six times before I was approved for a loan. I was told I did not need a cosigner. They asked me what I made per hour and how many hours I worked a week. That's how my income was estimated. They were rushing me and kept asking how much I was going to put down, The downpayment was paid before the contract was signed. I did not have proof of insurance when I left with the vehicle, I was told to text the information the next morning. As soon as I poke with my insurance agent I knew I wouold not be able to pay for the car and the insurance. The Monday XX/XX/XXXX my father, who was not with me at time of purchase, went with me to take back the vehicle. I was told by the manager XXXX XXXX, that there was no reversing the contract and it was a done deal. The car was left at the dealership. I contacted the bank that the loan was made through and told them about the situation. They had no record of a loan made to me. I called a few times during that week and no loan was found. Then I received a letter a couple weeks later from the loan comapany saying my loan went through and my payment was due. I contacted the bank that the loan was through and told them I did not have the vehicle.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my Experian and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Equifax allowed my information to be stolen during a data breach reported on XXXX17

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed multiple inquiries on my credit report with Transunion. Transunion advices that they will not dispute inquiries. This is a violation of the FCRA by furnishing inaccurate information regarding my credit file to potential creditors.

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 11-07-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I Was Charge for and Authorize Transaction From XXXX {$700.00} TD Bank opened a dispute and the dispute was denied there was previous XXXX Transaction and they there credited to the account and i never gave $ XXXX permission to charge my account TD Bank Denied My Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit line increase/decrease

Complaint: barclays decreased my credit card limit, I submitted a fraud claim and I asked if theres any way to reinstate my credit limit before the fraudulent transaction and the representative told me to wait after the result of the investigation Ive been waiting for a long time and up until now I have n't seen the result and no correspondent have been mailed.

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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I submitted a request for an investigation regarding an old account that has incorrect information and is too old to still be on my account. The account shows closed as of XX/XX/XXXXin an old investigation now it shows as last reported inXX/XX/XXXX. Which is incorrect. It also shows as the last payment being XX/XX/XXXX. Which is untrue. However either date shows that this report should no longer be on my account. Its also affecting my credit score and XXXX refuses to correct the issue. Despite it being removed once. the creditor changed the date illegally and now it showed up again.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Sir or Madam, My husband and I were affected by the Equifax security breach. We have been working for more than two weeks to get signed up for the XXXX XXXX product. I was able to set up my account but I am still waiting to be able to use the product to see my credit report or to put a freeze on my account. My husband has been unable to set up his account. 

His problems are as follows : 1 ) Tried to set up an account but received a message stating the information he entered did n't match their records and so the process failed - XXXX/XXXX/XXXX XXXX ) Received an email today, XXXX/XXXX/XXXX stating the reason for the failure was because the account had already been established. 
3 ) Called the support line in the email, the woman he spoke to stated there was already an account for " this address ''. Clearly she did n't know how the product works. 
4 ) My husband asked to speak to a supervisor, who stated the problem has been reported by other consumers as well and the email was erroneous. 

Equifax 's response to this problem and the execution of their solution is sloppy and unprofessional to say the least. They are n't bringing their A team to the table to correct the problem or if they are their A team really XXXX. 

Regulators need to be in there monitoring their response to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (WV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Collection Agency threatening legal action for a credit card debt that I do not owe. Credit Reporting Agencies do not have the credit card number on my credit report. The implied credit card number does not exit and never had the card, the amount being asked for me to pay is {$3500.00} which includes implied balance, interest and penalties. I am a law abiding person and want this to be straightened out. 

I have been getting calls from a person, who claims to be working for a debt collector firm. I explained to him that there is some mistake about this claim, as I never had this Credit Card and proof is that it is not showing up on my Consumer Credit Report either. On the phone the person obtained my address from me and started sending me collection letters with collection notices, stating that there is a judgement against me in regard to the referenced account.

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 09/30/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had applied for a mortgage loan and was denied and provided a copy of my credit report. To my surprise I found multiple accounts listed on my credit report that do not belong to me. I sent a letter certified mail to Equifax , which was delivered and signed for on XXXX/XXXX/2015, disputing the inaccuracies, primary a inaccurately reported judgement listed as XXXX is unacceptable that the items are still listed on there. The same items were disputed with XXXX and removed, due to the facts that they are not mine and were reported inaccurately. 
Equifax is directly and negatively affecting my ability to not get a home loan. I find it highly impossible that Equifax is reporting information correctly on me and others and this is unacceptable. There are numerous complaints listed on the XXXX website, this site as well as other sites and this seems to be a common complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Have XXXX autos this company was XXXX they filed bankruptcy then me and my husband filed bankruptcy in 2010 his shows mine do n't also extension for all school loans because of his illness done this XX/XX/XXXX and granted no payment or late due to his illness

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 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ascension Point Recovery Services, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My Mother passed away in XXXX of 2016. She had no life insurance, nothing-they claim they want to speak to the person in charge of the estate..I am on the DO NOT Call LIST, and there is no estate, nor would the " collector '' tell me what company they are representing. She hung up on me. I called back, explained again, my Mother had no estate, all of her XXXX which was social security, went to my Fathers care, and was barely making it financially with her XXXX, Was put on hold for a manger, who never came to the phone after 7 minutes of hold time. I am in fear, and this company and recovery agents have caused me stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with Bank of America and sold my home in 2010. 
I signed closing papers, closed out the mortgage, transferred ownership of the property. 
Bank of America today still has my mortgage reported as open, reporting past due balances in excess of XXXX, negatively impacting my credit. 
I have attempted several contacts directly to BOA, always with the same response, someone will get back to me shortly. Several months later, no one has.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX XXXX in XXXX California told me on XX/XX/XXXX that they could help me Resolve my student loan by a debt forgiveness program. I found out just a few months ago here at the end of XX/XX/XXXX that they went out of business, I soon investigated and found it they did nothing for me, they didn't consolidate my loans, zero time was served, I'm in more debt now than I ever was before and now this company that calls itself Equitable Acceptance from Minnesota, is now taking my money and doing nothing! they told me that they would find another entity to take over the program but when student financial help center had it they did absolutely nothing all they did was put my loan into forgiveness which I could have did myself, now Equitable Acceptance wants money from me every month to do absolutely nothing for me, I've been ripped off and scammed! How do I stop these people I never signed a contract with them I thought I was going through student financial help center, which I found out did absolutely nothing but sell my information to Equitable Acceptance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (AZ).
Issue: Account opening, closing, or management

Complaint: I recently received a bulletin from my Financial Advisor stating that CFPB is encouraging major lenders via credit cards to freely provide Credit Scores on their credit card statements or on-line credit card access. Chase Bank has mad a XXXX attempt at complying with the request. When I inquired about my credit score being available on my statement or on-line, I was informed by XXXX XXXX in the Customer Care Department that they have complied with the request by offering the service on only XXXX of their many credit card types. The particular card is a " Slate '' card. She offered me an opportunity to apply for a " Slate '' card account which I turned down..

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/16 I deposited XXXX $ XXXX funds into my Suntrust checking account XXXX. On XXXX/XXXX/16 the bank withdrew XXXX $ for the exchange rate and continued to hold the entire {$5000.00}, overdrawing my account by XXXX $ and insulting me with an overdraft fee, in addition to leaving me no liquid assets to live on. By contacting the chairman of the bank on XXXX/XXXX/16 the error was finally repaired. However, now the bank has debited my XXXX account the XXXX $ on XXXX/XXXX/16 and has not credited my XXXX account the XXXX XXXX The only information they offer is that the funds will be available on XXXX/XXXX/16, six weeks from the initial deposit, leaving me no funds in either account.

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 05/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a collection that I paid off XX/XX/XXXX the creditor did not report so I disputed the item XX/XX/XXXX the creditor reported however that did not report the correct info and since it was disputed once experian will not allow me to dispute it again even though it 's a completely different issue. It may seem like I 'm splitting hairs but The way it is showing on my report is unacceptable because it shows negative and could be perceived as a still open collection. The creditor did put in the notes the account is paid and closed but that also needs to reflect on the acct status because someone might not read the notes. They also failed to report the balance and the reported that I only paid {$53.00} when I paid {$60.00} the reported in XX/XX/XXXX and XX/XX/XXXX that I still owed {$21.00} and that the account is still in collection. With these issues it makes it look like the account is still in collection and that I still owe {$21.00}. The account needs to show paid and closed with a zero balance with the correct amount that I paid and when it was removed from collection

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (VA mortgage) with Home Point Financial Corporation (NJ).
Issue: Trouble during payment process

Complaint: I am a decorated XXXX XXXX veteran who is tax exempt. Notified the Mortgage company last XX/XX/XXXX yet they paid my taxes anyway. ( took six weeks to get the money back ) Then they lowered my payments to exclude taxes. Last week they paid my taxes again even after being told by the local tax collector not too and put my escrow account in default. Spoke to them on the phone emailed them sent them all of the documents to no avail. Was told by them last Thursday that I am responsible for the escrow deficit. They will not stop paying taxes even the fact that there is not enough money in the escrow account. I do not have the money to make that up and they are going to raise my mortgage payments to make up for the taxes that I do not owe. I do not know how to stop them. Need your help

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: the debt was paid but they will not remove it from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation