milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I filed a CFPB complaint around XXXX weeks ago. Since then, my loan servicer Navient, has sent my account to collections. I have n't received any calls in almost 2 years from any collections or Navient in regards to this until I filed with the CFPB. I feel they are sending the account to collections now in retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX, I lived in California. I had never paid CA state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XXXX ; he XXXX shortly thereafter. I had no idea that CA was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew California would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XXXX taxes, requesting my refund and that the lien be removed from my credit report. The CA XXXX can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the XXXX that stated the tax return I submitted on XXXX/XXXX/XXXX, 10 days after the lien was filed, showed a balance due of zero. 

It is frustrating to see that the lien shows " paid '' on my Transunion credit report, as I never paid a single dime to have it removed, because I owed them absolutely zero, and they owed me {$350.00}. 

Equifax shows no status at all, not paid or released, just ... nothing. 

I do not know what XXXX shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (NJ).
Issue: Fraud or scam

Complaint: I purchased a {$100.00} prepaid XXXX issued by US Bank National Association. I used the card for XXXX transaction of {$50.00} over a month ago. Last week I went to used the remaining {$50.00} and I was declined I called customer service and I was told the issuing institution, US Bank, closed the account XXXX XXXX, for fraud and took the remaining {$50.00}. I was told I would receive a call in 24-48 hours but did not. I called today and was given the dispute department number, when I called there I was on hold and after XXXX minutes, I left a message. How could they just take the electronic money I paid for in cash. To me they stole my money. The card is made out to " A gift for You '', no way to determine the owner, how many more cards did US Bank help themselves and take? The banks just do what they want and plain out steal, why not there are no consequences? The law does not apply to them. A bunch of criminals at US Bank and all is well. I am out {$50.00} and I have to try to hunt them down while they dodge all my calls. The customer service number is a service and not US Bank. Just plain criminal!

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 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am a former XXXX customer. I am just trying to get this false report off of my credit. According to this fraud of a collections agency, Receivables Performance Management, XXXX sent my mobile account into collections in XXXX. However, I received bills from XXXX, including continuing charges up until XXXX. My final bill was due at the end of XXXX. I was on a payment arrangement with XXXX and the account was paid in full in XXXX ( including several payments before the payoff date ). I have several recent audio recordings of XXXX finance confirming that they never sent the mobile account to Receivables Performance Management and that the account has been paid in full and closed. I never dealt with this collection agency ; all payments were made to XXXX. XXXX will not remove negative report unless XXXX sends a letter confirming what they told me. Spent hours on the phone and XXXX will not send any letters condemning this fraud on my report. I want XXXX and Receivables Performance Management to take responsibility in getting this negative report removed.

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 08/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled and paid off the original account. Which XXXX XXXX sent you the information when I filled out the complaint for them. That there was a mistake made on my account when I did pay them the settled amount. They said they bought back the account. So this should not be on my credit report anymore and it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: i currently have a mortgage with Chase. I began a mortgage modification process in XXXX 2015 in hopes of reducing my payment as well as removing my former spouses name from the loan. I produced a quit claim deed that was filed with my XXXX courthouse, as well as legal divorce papers, tax records etc. Chase has claimed repeatedly that they didnt receive the documents and ive sent duplicates XXXX+ times at this point. The customer service reps are completely incompetent and very very rude. They have accused me of dishonesty claiming I did not send documents when I have done so over and over. I am no further in the modification process at this point then when I began. They also state that I own a business and have a pension, and required proof of XXXX. I do not own, nor have I ever owned, a business. I also do not receive or have a pension. At XXXX years old, even if I had a pension, I couldnt legally collect it at my age. Chase seems to be doing everything possible to prevent any modification of the loan. They have also refused to change my legal name on the documents or call me by my legal name, only by my former married name. The level of negligence on the part of Chase is gross and they make it impossible to modify any loan. I struggle very much to make my monthly payment and have been late on payments for the past several years. i need a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sears credit card is constantly contacting me regarding the debt my husband obtained and in which he is incarcerated. I have told them numerous times and the continue to contact me all day long. And I tell them what is going on and apparently no one reads any notes so then they want to know all this information about me and I am not on this card with him. I was trying to pay as much as I could for him but due to me not being able to sell and buy my house I am unable to any longer afford his debt. But they continue to call for him all day long everyday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: XXXX XXXX  is reporting inaccurate information to XXXX   and Experian. First of all, the original and actual loan date was XX/XX/XXXX. In other words, the actual XXXX XXXX calendar year was XXXX, over 12 years ago, not XXXX as inaccurately indicated on our credit reports. QUESTION : Is the incorrect Date Opened XX/XX/XXXX a result of erroneous reporting from XXXX participation in the XXXX TARP bailout program? For Your Information : TARP was the Troubled Asset Relief Program initiated by the U.S. Government in XXXX to fund billions of dollars into financial institutions such as SunTrust to restore liquidity due to excessive volumes of risky subprime lending and 2nd mortgages. In addition, the actual and correct Balance on this account was {$65000.00} not the incorrect exorbitant amount ( s ) indicated on this report. Also, the property associated with this account was sold in XX/XX/XXXX. However, even though we sold the property and no longer own the property, almost 10 days after the property was sold in XX/XX/XXXX, this adverse account appeared on our credit reports. Just to be clear, our goal is to maintain correct and factual information on our credit reports to avoid further negative financial consequences.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian claims to have verified 2 inaccurate XXXX XXXX XXXX accounts on my report however whom did they speak with to verify the accounts? Last I checked utility companies dont report to the bureaus as they dont extend credit

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. (OK).
Issue: Problem with fraud alerts or security freezes

Complaint: Since XXXX XXXX I found out that my SSN and my wife 's SSN were part of the Equifax data breach via their web site https : //www.equifaxsecurity2017.com/am-i-impacted/ I have been trying to follow the instructions on their web site to place a freeze and to enroll in their identity theft service. However I have not been able to successfully place the freeze, enroll or other wise access their identity theft service. I have tried almost daily to verify that a freeze is on the accounts but I either get a server busy error or a message saying that they will send a verification email that never comes.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with CORELOGIC INC (MT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: A credit inquiry was done on me today which I did not authorize by CredCo out of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NH).
Issue: Using a debit or ATM card

Complaint: I noticed my business debit card did n't work on or about XXXX/XXXX/2016. I had several XXXX dollars available or so I thought. I informed the bank on XXXX/XXXX/2016 of approximately {$9200.00} of fraudulent purchases that I did n't make between the dates of XXXX/XXXX/2016 and XXXX/XXXX/2016 per my statement dates. The bank is consistently denying my fraud claim due to questionable items outside the 60 day period. Please read my detailed statement and other documents attached. My account is overdrawn by almost {$2000.00} and I 'm getting threatening letters that indicate my checking account for closure and collection actions will be taken. There are several bounced checks due to the fraudulent purchases.

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 08/31/2017 about Debt collection (I do not know) with RMB, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/XXXX XXXX, XXXX, XXXX calls multiiple times a day every day one right after the other

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XXXX of 2017 which is not correct! I was never 30 days late!

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 10-05-2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (NJ).
Issue: Managing the loan or lease

Complaint: CAR ACCIDENT DUE TOO XXXX OF LEASED XXXX CAUSED A MAJOR ACCIDENT ON XXXX XXXX, XXXX. 
XXXX ON ROUTE FROM XXXX XXXX N.J. TOO XXXX, NEW JERSEY. 
DEALER NEVER FIXED THE DASH FAN, AS WELL AS DEFROSTER, THIS HAPPEN 8 TIMES SINCE XXXX XXXX, XXXX DOCTORS IN THE EMERCANCY ROOM OF XXXX XXXX, XXXX XXXX, NEW JERSEY. 
DEALER WAS GOING TOO FIX THE FIRST WEEK OF XXXX XXXX. 
MY MEDICAL BILLS WERE XXXX DOLLARS AN THE CAR WAS A TOTAL AFTER XXXX IN XXXX, NJ. 
WE CAN NOT SUE THEM BECAUSE I 'M ON PUBLIC ASSISTANCE, NO JOB, HAVE A XXXX. THEY WERE PAID FOR CAR BY XXXX INSURENCE COMPANY. 
XXXX, XXXX XXXX, XXXX, NEW YORK XXXX. 
{$22000.00} ON CAR, AN SOME MEDICAL BILLS BY XXXX, BUT I 'M IN DEBT FOR BALANCE, PLUS LOST XXXX, XXXX, AN HAVE LOST ALL MY ASSETS DUE TOO ACCIDENT. 
THEY NEVER PROGRAMMED THE COMPUTOR ON THE LEASED CAR, WHICH WAS A PROTECTION FEATURE, TOO STOP CAR. 
THE DAMAGE WAS MOSTLY FROM THE DRIVERS AIRBAG EXPLODED ON IMPACT WITH XXXX. 
THANK-YOU XXXX XXXX XXXX XXXX CLAIM NUMBER XXXX XXXX ALSO CLAIMS NUMBER XXXX XXXX MEDICAL XXXX XXXX XXXX INFORMATION AN BILLS, DOCUMENTAION. PAYMENTS CAN BE FOUND HERE OR BY CALLING XXXX GOVERMENT EMPLOYEES INSURENCE COMPANY. 
THEY HAVE EVERYTHING YOU NEED FOR XXXX TOO LOOK AT, THE DEALER NEVER FIXED THE CAR THEY ARE AT FAULT FOR THE PROBLEMS, RT XXXX, XXXX XXXX, XXXX. THEY DENIED ANY MECH. ISSUES AFTER THE FACT BUT CAR WAS A TOTAL XXXX THREE DAYS AFTER XXXX TOO YARD. 
PAID BEFORE WE GOOD FILE SUITE AN INVESTIGATE ANY MECH PROBLEMS. 
MY POLICY NUMBER XXXX WITH XXXX LOSS REPORTED XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The address in XXXX XXXX, California is not mine, I have never lived in that location.

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 05/19/2016 about Credit card () with DISCOVER BANK (CA).
Issue: APR or interest rate

Complaint: I have the Discover " it '' credit card, this company seems like its a scam. I had the card for about over three years now. My over all balance is about {$7500.00}. I pay my bill every my bill every month some times late but nevertheless I pay the bill. I have been harassed and aggressively hounded by discover sometimes every day until I make a payment even when I already made a payment for that month. None of my other billers, utilities, or credit cards do what discover card is doing. My balance is not going down. at all it is still {$7500.00} over XXXX years of paying my bill, on time in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Credit reporting () with AFNI INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Afni Collection ( XXXX ) was removed from my credit reports on XX/XX/2015. Now they are back on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Other debt) with EQUIFAX, INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid  XXXX . I have a deletion letter as well from the company stellar recovery on  XXXX  account  XXXX    XXXX   file number  XXXX . and equifax is still showing this debit and I have contacted them 5 times on this matter. I want this deleted from my credit report account. I 'm not sure if it 's on the other credit reporting agencies as well. But would like that deleted as well. This has been going on way to long. Even the company I paid thinks this is crazy!! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX XXXX, I reside at XXXX XXXX XXXX in XXXX North Carolina. Suntrust Mortgage inc. has directed me to the substitute trustee over a {$980000.00} loan from XXXX. XXXX XXXX XXXX XXXX and that is when I discovered they can not be the trustee and the XXXX of Suntrust Mortgage XXXX XXXX signed naming XXXX XXXX as substitute trustee but it wasnt done correctly. XXXX XXXX acted as XXXX XXXX notary on the same day. XXXX XXXX did not possess the required signing authority to sign mortgage operations documents on XXXX XXXX, XXXX. Someone put a sticky note over the Exhibit to coverup the part that states the purpose of the exhibit then made a copy of it to remove this requirement. This page was then recorded at the clerk of court office along with the outdated and expired faulty appendix A. How can Suntrust Mortgage use a outdated mortgage delegation signing authority document that expired over 3 months before XXXX XXXX even named the substitute trustee to foreclose? I have requested this proceeding be dismissed since the substitute trustee was not correctly nominated by XXXX XXXX, but they keep telling me to call the substitute trustee who is a nice enough guy but hes was not correctly substituted. Please also look into how XXXX XXXX was able to verify and notarize a document that was 3 months out of date. Please notify me in writing once this proceeding has been dismissed since the signing XXXX of the corporation was not in possession of signing authority when he nominated XXXX XXXX of XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: despite my inquiries your company has reinserted accounts previously deleted and unverifiable. I am demanding the deletion of the accounts bellow XXXX XXXX Status Closed Balance {$790.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$870.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$830.00} Type Collection Payment Status Late

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 02/17/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have tried and tried to contact Navient, but get no response. They claim I agreed to some sort payment plan that has this ridiculousnessly high amount, when I dispute that and demand they show me something with my signature on it, they can't.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received notice that my personal information was compromised through the cybersecurity breach of Equifax on XXXX/XXXX/2017. I filed a 90 day fraud alert on my credit profile on XXXX/XXXX/2017 and I am waiting to determine the extent of the breach before taking further action.

Company response to consumer: Closed with explanation