milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is trying to collect over {$50000.00} in loans from me however they can not and will not provide proof that this money was ever paid to any school on my behalf and also they say they will not show any proof that as long as they say I owe it they will make me pay for it, and also they are reporting XXXX different accounts on my credit report which I was not told that would happen each year that I filled out a XXXX I was not aware that they would report each amount differently under different account numbers this should have been disclosed with any XXXX or Master promissory note is filled out and also Navient refuses to offer help to clear up anything and they simply say you are going to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I ran my credit report through TransUnion on XXXX XXXX, XXXX and noticed that my XXXX XXXX XXXX was scheduled to be removed from my credit report on or around XXXX XXXX. I ran my credit report again on XXXX XXXX, XXXX and notice that the date of the removal changed from XXXX XXXX to XXXX XXXX. I disputed this discrepancy online and through customer service and bought it to their attention that they re-aged my account which is illegal. I waited until I receive their official investigative results in which they kept the XXXX XXXX date of removal. I spoke to XXXX XXXX who could n't explain why the date of removal was changed. I was then directed to XXXX Bank in which I had the WORST experience I could ever recall in my adult life! The representative told me the information was correct on my credit report, that the information from my XXXX report was incorrect and that there was nothing I could do about it. I am attaching proof of credit report ran on XXXX XXXX and on XXXX XXXX to show the discrepancy. I also plan on filing a complaint with the Attorney General because they should not go unpunished.

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 05-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I submit this complaint against my student loan servicer Navient because I am absolutely frustrated at this point and have lost faith in them as my student loan administrator. I would like them to delete all of the derogatory reports on my credit file for loans that are now in consolidation.     Over the years I have been in and out of school. There were times that my student loans were reported late while I was in school awaiting an in-school deferment to kick in, or while I was waiting for another type of deferment or forbearance to kick in. When I would call my student loan administrator they would always tell me that I have the option to just pay on the loans to keep from getting negatively reported on, so I would just wait until the deferment would kick in since that just wasnt an option while I was having financial difficulties. Not to mention, I was so confused by the different due dates on the different loans and the different amounts that were due.     I have reached out to Navient over the years regarding my best options on repayment and I was never told by Navient that I qualified for a consolidation. I thought that my credit wasnt good enough to qualify for a consolidation and expressed this concern to representatives in the past.   There were little to no options on forbearance, deferment, or lowered monthly payments with my personal student loan Navient services so when I had financial difficulties this loan defaulted.     Now, my student loans are being reported as  XXXX  derogatory accounts even though they have been consolidated. This looks horrible on my credit report. I have been working very hard to clean up my credit over the years, even after being laid off in  XXXX , and these derogatory accounts are pushing me back tremendously. I have recently applied for a refinance on my car note that is very high and was declined because of all of the late payments that show up on these accounts. The late payments on my student loan accounts are because I was either struggling to make the payments, confused as to which of my loans needed priority, and which were in or out of forbearance ; or I was in school and awaiting an in-school forbearance. I even tried to lower my overall monthly payments in  XXXX  and I dont believe I ever received a response from this request. I then, luckily, reached out to a friend who was going through a similar issue who told me to try a consolidation and that even with not so great credit she was approved. I called Navient and requested a consolidation and it was such an easy process. I really dont understand why I wasnt offered this option in the past?

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (I do not know) with Nationwide Debt Management Solutions, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called me at my employer 's, when I said I am at work and hung up, called back and asked to speak to HR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I defaulted on XXXX creditors. I hired XXXX Debt relief XXXX to settle. They provided documents that state my settlements. Experian did not properly record those changes. XXXX bank still lists me as a charge off of {$5200.00} when {$5100.00} was paid. I have court documents that state their representing attorney XXXX XXXX XXXX, XXXX. dropped their XXXX on XXXX XXXX. XXXX, XXXX XXXX bank was paid {$1700.00} XXXX. I owed {$4300.00} not {$8600.00}? Lastly, I received a XXXX from XXXX in the amount of {$16.00}, but my most recent report dated XXXX XXXX states {$19000.00}? Why did n't Experian do a thorough job? I gave them documents. I contacted XXXX and they said they would furnish cashed checks for additional proof if needed. 
I would like an explanation as to the discrepancies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a Wells-Fargo student loan. I have never missed a payment, and I pay more than the minimum amount due. I attempted to consolidate the loan to get a lower interest rate and was told that I could n't because I have a cosigner whose income was not sufficient. My father is retired and his profit sharing/Social Security does not count as income. When I attempted to remove my father as a cosigner, I was told that, despite the fact that I have never missed a payment and pay more than the required amount, I could not remove him because I have too much debt in relation to my income. The debt that puts me over is most likely Wells-Fargo. I net $ XXXX/month and I pay {$640.00} to Wells-Fargo, though I only have to pay {$500.00}. I just want to remove my father as a cosigner. They are factoring in my car payment, rent, federal loans, etc., even though that debt has not stopped me from paying them. I do not receive support from my father. In fact, I live in a different state. I am XXXX, married, and living on my own with my wife, and can support this with documentation. I asked Wells-Fargo if a letter from my father explaining that he does not pay for my loan and a letter from my bank stating my father is not on the account would be enough to remove him, and they said no. At this point, I just want to remove him so he does n't have this hanging over his head. Whether it results in a lower interest rate is no longer the main reason. I am tired of conglomerate banks giving out loans to people, then saying that they do n't make enough money to pay them back. Why would you give money to someone who you do n't think can afford the payments? THAT should be illegal. It 's no different than banks giving mortgages to people who will obviously end up in foreclosure. Banks are destroying the American Dream one student loan at a time, and frankly, it needs to stop. All I want is my father off as cosigner and, if possible, a fair interest rate with a payment that wo n't cripple me. Evidently, that is too much to ask. So I 'm done going though the lender. I am going through my legal, government-sponsored resources.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with U.S. BANCORP (NM).
Issue: Problem with customer service

Complaint: Elan Financial Services as, Washington Federal Secured Visa Services, Accepted Documented Faxes in an Account Tampering by, XXXX XXXX XXXX. XXXX XXXX is using this Ftauded Company Documentation not. to Pay a Claim.This is an Understanding for Frauded Contract Enforcement in a Review for a Law Enforcement Attorney.

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 07/28/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Loan moved on XXXX/XXXX/15 to SPS. Escrow analysis done. I received letter stating check was cut and sent under separate cover dated XXXX/XXXX/15. I called XXXX/XXXX/15 and asked where check was. They could not locate it and I asked them to replace it. They informed me it could take up to a month to get a new check and said everything was taken care of and the process was started. I received a phone call from them over the weekend, they left a message that I could not understand. I called back on XXXX/XXXX/15. They wanted me to wait to place the stop payment until the end of the week because the check was n't mailed until the XXXX. I told them I would not wait. The request for the stop payment should have been placed on the XXXX to start the research process. I received the check dated XXXX/XXXX/15 at my home on XXXX/XXXX/15 with a postmark on the envelope of XXXX/XXXX/15. When I called today they stated that the check dated XXXX/XXXX/15 was no longer valid and another check was over-nighted to me on XXXX/XXXX/15.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed this account many of times. To verify my social and DOB and name is not validation to the debt. This account has been removed by XXXX and XXXX. I have made outreach to XXXX XXXX on XXXX/XXXX/16 and I never received any documents showing I owed this debt. I have sent screenshots of my communication with the collection agency. If they ca n't provide documentation then the account can not be reporting on my credit report. Anybody can say I owe debt and have my social name and DOB but with out proper documents what does that mean ... nothing I will show proof that I have reached out many of times to the credit bureau and the collection agency. Still to this day I never received anything. I was getting the run around about when they were being sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion refuses to remove this from my credit. The bankruptcy courts of South Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.

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 04-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Billing disputes

Complaint: Bank of America refuses to comply with the Fair Credit Billing Act. 

I mailed a credit card dispute letter to Bank of America. They told me in writing that they got my dispute letter on XXXX.They rejected my dispute and charged my account on XXXX. This is more than XXXX billing cycles. This is more than 90 days. My billing cycle date is the XXXX. 

The nature of my dispute was Billing Error. I demanded clarification. I did not receive clarification.

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 05-05-2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Can't contact lender

Complaint: The company Cash Central called me on XXXX/XXXX/15 at XXXX California XXXX. It is against policy that they call that early,.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted XXXX County/Superior Court by phone and requested them to run my name and social security number through their systems to see what information was associated with my personal information. I was told by someone working that there was not any information in the system. I was also emailed stating the same thing. I gave her the case ID number that was on my credit report and she pulled that file up in the system. The file she pulled up has someone else named on it and I do not know that individual. I was also emailed the information that was associated with the case ID number that I provided. This took place XX/XX/XXXX. I have a lien judgment for the amount of {$590.00}. <P/>I also have filed several disputes with all the credit bureaus along with my supporting documents that I were emailed from by XXXX County. My disputes were last filed XX/XX/XXXX and were closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Transaction issue

Complaint: I prepaid for XXXX hotel rooms on XX/XX/XXXX XXXX XXXX for me and XXXX for my parents ) on AmEx travel using my AmEx credit card. When we were checking out on XX/XX/XXXX, the NH XXXX hotel claimed that it was not prepaid so we paid again since the confirmation was n't clear cut that the rooms were prepaid. I disputed the charge. My parents were refunded on XX/XX/XXXX but it 's been over 2 months and I still have not been refunded. The hotel actually charged my credit card on XX/XX/XXXX and then promptly refunded that charge, but I have not been refunded the charge on XX/XX/XXXX. AmEx Travel and AmEx credit card have been completely incompetent. I have called several times and have been told that there are no disputes open even though I 've received confirmations that I opened a dispute. This is incredibly frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: APR or interest rate

Complaint: My interest rate is too high on my credit card. I have asked Capital One to lower the interest rate so that my payments can be affordable. Capital one stated that since I had payments returned to my bank that I am not eligible for an APR decrease. They have also sent me some things about my payment being so expensive because of my XXXX insurance. I do n't have a problem with the XXXX insurance being added to my payment. My concern is that I have such a high APR rate. I have had a card with Capital One for at least XXXX years. My question is ... There is n't XXXX time that my account was not in good standing for Capital One to decrease my APR in XXXX years? It seems very odd to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Disputed Bill as paid. Equifax refuses to remove bill and shows the account as being OPEN. The account was closed and removed by billing agency do to age. 
EQUIFAX : Account # XXXX OPEN Balance {$240.00} XXXX Original Creditor Qwest {$240.00} High Balance XXXX XXXX, 2013 Opened Date XXXX XXXX, 2013 Last Reported Individual Account. 
Responsibility Collection account

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: In XXXX 2017, I initiated complaints regarding identity thefts against my person, very possibly committed by maternal family members all of which I named in FTC report # XXXX. Furthermore my Experian, XXXX, and XXXX credit reports show inaccurate names, D.O.B and addresses of which I have attempted to get corrected. These addresses in particular read, " XXXX '' which is inaccurate. Furthermore there are ambulatory bills on my credit reports that are inaccurate. 

I have included my Experian consumer info. The XXXX and XXXX reports show identical inaccuracies. 

I have also included a XXXX report which shows similar inaccuracies.

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 12/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with Flurish Inc. (CA).
Issue: Struggling to pay your loan

Complaint: understanding that I would get a loan at a better rate for longer periods of time, this I did not get.I was one of lendup customers in XX/XX/XXXX-XX/XX/XXXX, last account # ending in XXXX, this lendup was ordered to payback money by the cfpb in XX/XX/XXXX, please tell me where to get back whats mine

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We are working on a short sale and I am not getting any responses from the negotiator. 

On XX/XX/XXXX we were counter to increase the price to match the appraisal. 

On XX/XX/XXXX the buyers agreed and submitted the price increase On XX/XX/XXXX negotiator said she needed an appraisal I responded immediately " why do you need an appraisal when you have on and already countered '' I have not receive a response from the negotiator since and have sent several messages Last week I confirmed with a supervisor they have a valid appraisal good through XX/XX/XXXX and a new appraisal is not needed and yet the file is still at a stand still and my calls are not being returned.

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 EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, through gross negligence and a failure to protect my confidential information, has exposed me to a lifetime of increased fraud risk by disclosing my credit report to an unknown adversary during their 2017 data breech. Through absolutely no fault of my own, a vendor with which I have never contracted nor approved has leaked my most personal identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan modification,collection,foreclosure

Complaint: As a XXXX employee, I was subject to unpaid XXXX in XXXX and XXXX XXXX and was looking at having to choose between mortgage payments and feeding the kids. Up to that time, every payment since XXXX had been on time. I contacted the holder of my VA mortgage, Flagstar Bank, and was told to submit hardship paperwork and they would look at a loan modification or other solution. I submitted - and heard nothing back. Calls to my 'single point of contact ' - no one else could discuss the situation - went to voice mail and were never returned. Submitted again in XXXX XXXX ; no response. Called by a VA rep in XXXX XXXX and submitted a XXXX time, with copies to VA - again, no response. In XXXX XXXX, notified of intent to foreclose. Hired an attorney and on XXXX XXXX, XXXX, received a TRO stopping the foreclosure. Flagstar attorneys moved the case to federal court and created a situation where my attorney fees would escalate dramatically. My attorney got an agreement to dismiss the case without prejudice and a promise the Flagstar would actually look at my modification request. Never heard back from Flagstar until recently, when I again received a foreclosure auction notice for XXXX XXXX. After repeated calls to Flagstar, I finally got a live person on XXXX XXXX and they sent a modification package - received XXXX XXXX - which states they can not stop foreclosure unless received more than 37 days out. Throughout this process, Flagstar has engaged in many of the same actions that were the subject of XXXX XXXX consent order.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Wells Fargo dealer services keeps reporting an account that is very old from 2006 andhas already been settled!

Company response to consumer: Untimely response
Consumer complaint received 08/18/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They filed a credit report with Transunion. The medical provider never sent me a bill nor did I receive anything from CRME Financial. When I called CRME to get my " account '' information they did not even have anything in their system! How can they file against my credit and not even have my 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