milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had a private loan that had partly defaulted because of XXXX/Navient 's unwillingness to work with me with during a time I found myself unemployed. It was only after the loan defaulted that I was able to work something out with the debt collection agency, XXXX XXXX. The loan was eventually paid off as agreed under a settlement on XXXX, 2016. For several months I pleaded with XXXX the collection agency and with Navient to provide me with a letter that indicated the loan was paid as agreed. XXXX parties insisted that it was the other party who had to provide me with said letter. After many calls finally Navient sent me a letter on XXXX XXXX, 2016, but the letter as it is written is inadequate as it does not state in an unequivocal manner that the loan has been paid and completely satisfied. The letter they provided indicates that once the funds from the final payment clear, Navient would consider the loan fully paid. But my issue is that the final payment was made back in XXXX, 2016 and the letter was written in XXXX, 2016, I would assume that in 4-months time an electronic payment would 've had enough time to clear. I have called Navient multiple times requesting a proper letter that clearly states that I have paid the loan in full and as agreed but they are refusing to provide me with this letter, instead, and once again, they are redirecting me to the collection agency claiming that it is the agency that must provide such letter, but the agency fully rejects this assertion and sends me back to Navient. Every time I call Navient and request to speak with either a manager or their legal department their response to me is that they can only connect me with a supervisor 's voicemail and will not allow me to speak with their legal department. When I ask to get put through to leave the voicemail for the supervisor I am placed on hold and summarily get hanged up on, repeatedly. I have been getting the runaround for months now and have had it. Since they will not make this right I think it 's only proper to report them to the proper authorities in the hope that others will not have to endure the same heartache as I 've had to at the hands of this shady company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my credit reports from the XXXX major agencies and on XXXX of them there are XXXX tickets totaling {$650.00} both issued in XX/XX/XXXX. I have never received any tickets during that time that I did not pay and I requested proof that they belonged to my car. The XXXX XXXX XXXX sent me XXXX pictures showing a car that was not mines. I wrote them and stated that I own a XXXX XXXX XXXX with the license plate number and requested that they remove this from my credit. They responded that the car in question was registered to me. I have never registered another car in my name other than the XXXX XXXX. They have refused to remove this from my credit and refuse to investigate the matter as they turned it over to a collection agency. 
The collection agency will not remove it because the originator refuses to correct the error on their end. 
This has to be illegal. No one is willing to prove that I do not own such a car and have never owned said car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Closing/Cancelling account

Complaint: I have a secured credit card with Wells Fargo. I was renting a car with XXXX. I left my secured credit card as collateral there. When I paid with the car, however, I used my debit card. XXXX accidentally charged XXXX my credit and my debit card. They then reversed the charge on the credit card. Because this charge was over my limit, Wells Fargo closed the card and refused to reopen it even after XXXX admitted fault and reversed the charge. This has negatively affected my credit even though I did not authorize this charge to be made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Attempting to collect a debt via phone calls and communication through court papers. Did not receive validation notice per the fair debt collections act to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXXXXXX XXXX is reporting {$250.00} from XXXX XXXX XXXX on my Transunion report. I called them to find out more information about the debt and they told me the debt was no longer with their office. I asked them why they were still reporting it and immediately disputed with Transunion. I provided Transunion the phone number I called and the rep I spoke with. XXXX verified the debt AGAIN even tho they do not own it. I can not find out any info about this debt and want it removed from my report. This is so unfair. I called XXXX XXXX XXXX and they didnt show any debts for That amount either.

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 06-07-2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Just recently I discovered that " credit Card '' for approximately was being deducted from my account. I call the Webster Bank to stop payment and block this account.
This month they took {$180.00} + out of my account, which should not have been done.
I called the Webster Bank and questioned why they let them withdraw since there was a blocked account. I was told that they used a different account number so they paid it. To make matters worse, they told me they would have to investigate this and I would have to wait about 10 days for this dispute to be settled.
I am XXXX years old and widowed on a fixed income. I have some bills to pay and do not have enough money to pay my debtors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient is not contacting my work and disrupting me during business hours, after I have asked for all communication to be via mail. I have offered several settlement options and yet they continue to call. I do not want to be disrupted at work and they are causing a back up on the phone lines.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, 2017, I receive a credit report ( XXXX ) from Experian, after I had requested that Experian, send me proof of my liability of disputed accounts. My request was under section 609 of Fair Credit Reporting Act. The company receive my request on XXXX XXXX, 2017. The company state that the accounts is verified but never send me any proof to support the claims. The law require credit reporting agencies to have a copy of the original contract on file. I have made several request to Experian in good faith that the company will honor my request. All I receive is a frivolous letter stating that their investigation verified that the accounts. Experian do not have this information on file an they is in violation of my rights under the Fair Credit Reporting Act.

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 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in there system that violated the rights of their consumbers under section 6.11. As a result, I have been gravely effected and my credit score is suffering as a result. No notice of was ever given which is also a violation. I am requesting that ALL inquiries be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In 4 years of payment history, Wells Fargo is showing 2 miss payments. I called to resolve the issue, but they are unwilling to work with 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 explanation
Consumer complaint received 02/21/2017 about Debt collection (I do not know) with American Coradius International LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This agency which has less than a stellar reputation on the internet is calling me from unavailable numbers. This scam related agency decides to initiate phones calls without any disclosure verification of any debt via the US mail.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I set up monthly recurring EFT payments with Navient. After my XXXX payment was processed, Navient charged me again without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was released from XXXX XXXX XXXX,2016 and upon my release I am trying to get my credit together. Upon recent of my report I see I have inquiries in my report which is impossible becuase while in XXXX you can not apply or have credit so thes inquiries are not mine. I should not have any inquires in my file. I sent over all my documentation including my id from XXXX which proves I was just released.

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 03-05-2017 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 is not mine

Complaint: never got account open

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have previously disputed this account with Equifax. These bureaus continue to report an account on my credit report that is indeed not mine. See attached documentation. I submitted a dispute to the company and they sent the attached documentation that reflects the patients name. This account is not mine and therefore, it should not be reflected on my report. Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit card () with CITIBANK, N.A. (MO).
Issue: APR or interest rate

Complaint: Made a purchase on my Best Buy credit card ( Citibank ) a little over 2 years ago that was approx. {$1000.00}. Have made regular on-time payments to date. I am a regular Best Buy customer so I periodically make small purchases for office needs and put on same card. The {$1000.00} ( 2-years ago ) purchase should have been paid off long ago. However, I was just notified I am being charged $ 700+ ( 29.9 % ) interest on that particular purchase because it had not been paid off. When I inquired where had all my payments been going for the past 2 years, I discovered they had been applying them to my ongoing purchases instead of the large purchase from 2 years ago. I now have a {$700.00} interest penalty on a {$1000.00} purchase. 
I thought the new credit laws were enacted to protect the consumer? This is not only completely unethical, but discourages customers to continue doing business with a retailer after a promotional purchase. 
I want my payments to apply to my promotional purchases first, or oldest purchase, not to ones with highest interest rate, such as current purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company called my grandmother " looking '' for me and attempted to collect information about me. This is unethical and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has repeatedly called me from multiple numbers after I 've blocked them every time and have told them not to contact me anymore. They say they are attempting to collect a debt. I told them I did not have an account with them and I have n't signed any contracts with them. I told them that they have been harassing me and I had asked him to stop calling. When I asked to speak to a manager they would not let me speak to The manager so I can be their call list. This has been going on for over a year and I have multiple numbers on my block list from Family trying to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Fraud or scam

Complaint: Transfer money through Moneygram on XXXX/XXXX/15. The money did not get to the recipient. I filed a complain to Moneygram anti-fraud unit, I was told to give them 21days for investigation and resolution.I called them today XXXX/XXXX/15 and I was told no resolution had reach yet. This is causing me XXXX and general stress. I therefore needs your help to get the money to the recipient as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have credit issues that are on my credit reports that are over 7 years old and they are not being removed. please help me get these ones removed off my credit reports.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concern, On a few different occasions I have called Equifax and had been given the same treatment as far as having my hard inquiries disputed, with the same results that they found my inquiries to be factual. When I first received my reports, I saw XXXX hard inquiries that I do not recall authorizing and that On XX/XX/XXXX I sent a multiple inquiry letter via certified facsimile. Equifax received that letter XX/XX/XXXX and responded on XX/XX/XXXX. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 9 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. Also the FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit, Insurance, Employment, Court Order.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit line increase/decrease

Complaint: my credit at XXXX, XXXX, and XXXX XXXX all had decreases in credit limit for what they say was for a change in credit score, I bought a house and I have a long history with XXXX and have always paid my balance, and I have n't even been late on any payments for the last XXXX months, never late with a payment on either of the cards. Im a new customer at XXXX and XXXX but I have never been late and paid the balance at the time of he decrease. I had not even used my XXXX card for months, then about XXXX weeks ago I go shopping and spend about half the balance, still not missing any payments, and paying a XXXX payment at the same time, but today I get a letter saying they have reduced my credit for XXXX reasons listed on letter and no specific reason was given, stop the credit card companies from reducing our credit for what they feel is a change in your credit picture although you pay on time

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I purchased my home in  XXXX . My mortgage company i s Wells Fargo Home Mortgage Company, Inc. My mortgage interest rate is 6.25 % since  inception of my loan. In  XXXX  I began to inquire about refinancing my mortgage since the interest rates dropped to an all time low. I was deferred to  the Wells Fargo Home pr eservation unit. I completed an application and submitted all the supporting documentation in  XXXX . I continued to call and inquire about the status of my application.  Wells Fargo claimed they never received my application. It took over 18 months for Wells Fargo to process my application and instead of refinancing my loan they did a loan modification. WF    did not reduce my interest rate, they extended my loan ou t for 20  more years and reduced my payment by less than {$100.00} per month. This is not what I requested or needed. By the time WF sent the paperwork I had to file bankruptcy and my attorney declined the loan modification as it was absolutely no help to my financial situation. I filed  Chapter   XXXX  on  XXXX / XXXX / XXXX . I have spent years dealing with WF without any remedy or assistance from, them. In  XXXX  my attorney contacte d WF for a refinance and again, they did a loan modification. WF  claimed I owed over {$18000.00} in arrears which is completely ridiculous. Now my loan has been extended to  XXXX  and  WF  charged me over {$10000.00} in interest. They have charged late fee upon late fee and interest. At this time I have completed my  Chapter   XXXX  and final disbursements have been made. I am waiting for all checks to clear and I will b e discharged. WF claims in the tem years I have had my mortgage that I have paid only {$10000.00} in interest. My original loan was {$250000.00} and I have paid over {$2000.00} per month for tem years and the balance of my loan is {$230000.00}. I will be dead before this is paid off. I have asked WF repeatedly to do a forensic accounting of my loan which they have never done. I am disgusted with WF. I am still at 6.25 % while the rest of the entire work is at a rate of about 3 % or lower! WF also claims my escrow account is always short.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding scams using my documents which is federal not authorize Frauding scams IDs and accounts frauding with 3000 listed commodity broker and firm frauding my two federal XXXX XXXX XXXX FBI reqistrations herds frauding scams IDs and accounts using XXXX XXXX IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX Frauding scams IDs and accounts using XXXX XXXX my birth certificate long form Frauding scams IDs and accounts using XXXX XXXX scams IDs using XXXX XXXX my immazation record Frauding scams IDs scams XXXX frauding my family death record Frauding scams IDs using XXXX XXXX scams IDs using using using XXXX XXXX my family sassenhauser siir documents of XXXX death record Frauding scams IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX XXXX scams frauding scams IDs using XXXX XXXX I'd frauding south Carolina home and XXXX XXXX XXXX of XXXX XXXX Indiana Frauding scams IDs using XXXX frauding my family XXXX death record of XXXX XXXX Indiana Frauding scams IDs and accounts using using death record of XXXX XXXX of corners record of XXXX XXXX Indiana Frauding scams retailers using XXXX XXXX XXXX Md XXXX XXXX of my birth certificate long form serial numbered saint XXXX XXXX documents of XXXX XXXX Indiana I had two federal registration in XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX All these others IDs and accounts are federal fraud and state frauding scams IDs listing frauding my documents So herds frauded me and my family documents and death record 's and divorce records

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