milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On several occasions I contacted Navient regarding my payment being too high. I am a XXXX XXXX XXXX and they told me O do not qualify for loan forgiveness although I met all criteria. I asked for a lower payment and they quoted me a payment that was the same as my current payment. I am not making payments right now but they insisted I take a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Student loan (Private student loan) with SLM CORPORATION (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Told Sallie Mae I was having trouble making payments. I asked for a month of forebearance and I could continue payments as normal after that. I made a {$50.00} " good faith '' payment and they told me I could continue to make payments the following month. They did not grant me the forebearance and instead added a late fee to what I already owed. Basically told them I could n't make a payment, so they took {$50.00} from me and charged me anyways.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XXXX2017and are proceeding to sale set for XXXX/XXXX/17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

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 07-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I was advised by my book keeper on XXXX XXXX, 2016 that access and activity on our checking account was abruptly stopped. This was done without prior knowledge to me and without my consent. 
Efforts to restore service VIA telephone and directly at my bank were unsuccessful and refund of my money was denied. It is important to note that no indication, ( both written or verbally ) was even communicated to our office regarding imminent action nor do I find justification in doing so for ( what I later learned ) " my negligence in not confirming that I am the sole owner of my corporation '', A fact that they already know. 
This action by Citibank had triggered a domino effect of un-honored checks which we had issued, and has literally crippled our ability to conduct business, and which has consequently, created a negative credit reputation. 
I have worked very hard over the years to develop and maintain a positive financial image and must hold Citibank Corp. directly responsible for the consequences they have caused.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX was deleted from my credit report on XX/XX/2016 and has been reinserted without any notification. Additionally, Equifax claims this account is still under investigation as of XX/XX/2016. I 've called Equifax to remove the item & they 're claiming they ca n't because it 's still under investigation. I 'm including the results from my original investigation which shows the account was deleted. I need this removed from my records IMMEDIATELY!!! This is a gross violation of the FCRA & I 'm entitled to {$1000.00} for this violation. Please see this matter is resolved NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Since  XXXX  of  XXXX  I was on a repayment plan with   XXXX   XXXX   XXXX   that was to end in  XXXX  of  XXXX . The payments were for  XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled,   XXXX   XXXX   XXXX   is stating that the repayment plan was set up incorrectly with  XXXX   XXXX , whom is supposed to be a " dedicated loa n specialist. ''    XXXX   XXXX  is reporting to the credit bureaus that at this time I owe since  XXXX  of  XXXX . This is incorrect and I have fulfilled the  five m onths and total amount due of  XXXX .  XXXX   XXXX  has claimed today,  XXXX   XXXX ,  XXXX , that the repayment plan was set up incorrectly- they should have certainly noticed this during th e five m onths they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and  XXXX   XXXX  is the only company that does not have me current on credit reporting. Now that I am current with  XXXX   XXXX , they need to update the credit ASAP.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX inquiryon my Experian credit report was not authorized and does not belong to me. Pleas remove XXXX  inquiries off my Experian 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 non-monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (OR).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I received a paycheck in the amount of {$480.00} from the staffing agency with which I am employed. I went to XXXX ( store # XXXX, located in XXXX, Oregon ) to cash said check, as I had done twice before without incident. 
The company that XXXX uses to " verify '' checks presented declined my check, without explanation. The information provided on the receipt led me to a website, https : //www.askcertegy.com/, which informed me that the decision was final, and no dispute was possible. I was given an option to receive a free copy of my credit report, which is entirely unconnected to the cashing of this payroll check. 
Certegy does not maintain a dispute resolution process. They are not beholden to the individuals whose financial records they demand unfettered access to. They refuse to provide any information regarding their check-cashing criteria to anyone, including the merchants who use their services, or, it seems, even to the United States government.

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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX notified me that a new collection had been added to my account, who is owned by Transunion.I was unable to file a dispute, donot know the reason.XXXX XXXX, bought my account from XXXX XXXX XXXX, who had already listed this account on my report, listed that I owe them {$590.00} in XX/XX/XXXX, XXXX has listed the same debt for the same amount of {$590.00}, which is a duplicate, of the same debt.I told them these account are duplicates and it is illegal to list them twice, and needs to be removed.All 3 of the credit should be notified, and take appropriate action.XXXX listed the debt on XX/XX/XXXX. 
I can not request a copy of my credit report online from XXXX, for years, because they have the incorrect security question.I have contacted them in regards to this matter, and it has not been corrected.They also ask incorrect question, in regards to my past place of resident. 
I contacted XXXX also, no response to date. 
There is also a debt for a payday loan, that I have written to these credit bureaus, multiple times, and it has not been corrected.I told them, I donot owe the amount listed, these people are rip-offs, and you pay them interest, and still have not paid the debt off.XXXX XXXX has listed I owe $ XXXX.They only lend me {$250.00}, and I paid {$300.00} for months .I donot owe XXXX XXXX any money.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Company : TransUnion Problem : I tried to place a credit freeze on-line. The web site attempt failed. I tried via phone and failed. Agent did not pick up the phone. I tried the same process for my wife. Similarly failed both web and phone. I requested a friend to try, failed both web and phone. Seems TransUnion does everything it can to prevent you from placing a credit report freeze. Also, the web site has a link called " credit block '' which is an attempt to sell credit monitoring at a monthly fee - in fine print. It is an obvious attempt to steer consumers from credit freeze to a paid service. 

I did not have any issue with XXXX nor XXXX. TransUnion appears to be a bunch of scammers. 

Also, I am not clear how any credit reporting agency can justify charging for a freeze given they lost everybody 's data to the dark web!

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 03/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am trying to reestablish my credit after Chapter XXXX bankruptcy last year. I wanted to check for credit report, and XXXX XXXX XXXX states that my mortgage was discharged! It was NOT a part of the filing. I did not go into foreclosure, only credit cards. I 've been paying all along. I filed a dispute with Transunion. They " verified '' that the information shall remain unchanged. Then why should I continue paying them? Can I make payments to a third party intil this issue is resolved? I 've got receipts because I pay in person plus have cancelled checks. It 's interesting because during the process of my bankruptcy, I could n't pay in person and had to send checks to a different address. By XX/XX/XXXX, the bankruptcy annotation in their file was removed and I once again have been paying in person. I will never be able to reestablish credit with this glaring mistake in 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 05/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am on the Income-Driven Repayment Plan for my student loans. My service provider is FedLoan Servicing. I just completed the annual renewal process for my plan, at which time my monthly payments were increased from $ XXXX/month to $ XXXX/month. I am unable to pay the new amount. I did have a very small increase in pay ( 2.5 % ) last XXXX from $ XXXX/hour to $ XXXX/hour. ( I work full-time/non-exempt, which means if I do n't have work for 8 hours/day, I do n't get paid for 8 hours ). I work for a XXXX XXXX XXXX XXXX for people who have severe and multiple XXXX. My pay is approx. minimum wage in the area where I live, which is in one of the highest cost-of-living areas of the United States. My budget is stretched to the limit every month. I was able to pay the $ XXXX/month payments. The new amount, $ XXXX/month, however far exceeds my budget. I am XXXX years old, live in a very small rented room, and on my paycheck, I am not able to save for future health care/living costs. When FedLoan Servicing increased my payment amounts, based on their calculation of how much my income allows me to pay each month, I wrote to them ( on XXXX ), told them that I can not pay that amount, and asked the why the increase was so high, when my pay and pay raise was little. I also provided details and requested that they help me find a way to lower my monthly payments to approx. the amount I paid last year, {$82.00}. They emailed me a form letter on XXXX, saying I would hear from them within 10 days. On XXXX, I received the bill for my next payment, due XXXX XXXX, for {$340.00}. I emailed them immediately, again stating that I can not pay that amount, and asked them to help me lower my payments to approx. the amount I was paying. I understand that it has not yet been 10 days since their XXXX form email, saying I will hear from them within 10 days. I am sending in this complaint, however, in order to get some clarity and support in this situation. I do not understand their reasoning regarding raising my payments so high. Also, with the changes proposed by our new administration in the Federal Government, I do not know if I will have any support in the future. Thank you very much for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Financial Accounts Service Team Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For the last 3 months this company by the name of Fast has been contacting my grandmother on her home telephone number about a balance on an old apartment from college. They have been advised by both me and my grandmother to stop calling as this is not my phone number. Tonight I received a phone call from the person working for a company called FAST, they gave a mini XXXX and asked was I XXXX XXXX. I advised them not to call this number again as this is not my number. She told me she will make as many calls as she wants as much as she can and would be calling again tomorrow. I advised she would continue to go to voicemail. She was very nasty and rude and told me directly she will call everyday! Please look into this matter and enjoy them paying for it own their dime!

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Bank account or service (Savings account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I opened a savings account with Regions bank and my banker did not disclose that I had to keep a minimum amount of {$300.00} in the account or I would be charged a monthly fee. Now I ca n't even close my account because there is also an early closing fee just to get rid of the account. It 's not disclosed anywhere in my opening packet and I had to search on the bank 's website for a fee schedule PDF where it 's mentioned -- it 's not shown anywhere on their site. 

Regions Bankhttps : //regions.com

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (MI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: They called at night, I explained that because of my work schedule calling at XXXX was inappropriate. They said it was a business matter. I told them to call during business hours, because of my work schedule I am home during normal business hours. I asked them to document that I asked them to call during business hours, XXXX times. Then I sent a letter. Tonight I got a call and had to ask the caller their name XXXX times, they finally asked me why I need their name, I told them I want it for my records, I was told their name is XXXX. I explained AGAIN about business hours and the letter sent. They said they 'd get a supervisor. They put me on hold then came back and said their supervisor says they are allowed to call at XXXX but they can note the account to call at XXXX. I said, no, business hours. You said it 's a business matter, call during business matters, I was again ignored. They do n't care about when they call, and yes XXXX is cheating, you can call legally UNTIL XXXX and when I requested they not, more than once AND sent a letter, they still did n't heed any of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Credit report continues to show duplicate accounts that will not be removed. After running the Experian score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.

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 10/30/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NC).
Issue: Advertising, marketing or disclosures

Complaint: Rushcard did a maintenance update and locked everyone out of their accounts for 2 weeks and it is still going on at the moment. Cardholders have not had access to their money such as direct deposits, money loads, and XXXX. Contacting the company is hectic and you will be on hold for hours or just get hunged up on. They say they do not know when the system will be back up so that people can access their funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2016 about Debt collection (Mortgage) with CITIBANK, N.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed for bankruptcy back in 2009. Citi mortgage continues to send notices, call my phone incessantly at all hours and days of the week. 

I have spent countless hours with them on the phone holding to be transferred to different departments, sent letters with copies of my chapter XXXX filling listing them as creditors and yet it 's been 7 years and they continue to write me.

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 08/30/2016 about Credit card () with WELLS FARGO & COMPANY (KY).
Issue: Closing/Cancelling account

Complaint: Wells Fargo closed all of their accounts with XXXX XXXX. This left all customers with a negative line of credit and a reduction of credit score ( for me ) of XXXX points. This damage has, no doubt, cost XXXX people XXXX dollars in damage.

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 04/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: their was an issue with identity theft account with XXXX that had gotten turned over to a collection agency, were i had actually went online and did the payment. i was informed by XXXX to wait and do that payment, because if it 's identity theft i should not be responsible for it, and they were going to look into it.so i canceled the payment through my bank.rite after i did that the collection agency want to put this on my credit report when they were informed that this was a fraud 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