milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (TN).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I received notice that full payment was due on my home equity line in the amount of {$9300.00} principal balance plus {$140.00} accrued interest. In XX/XX/XXXX I received a second notice for a larger amount of {$11000.00}. I spoke with a Specialized Loan Servicing, LLC representative named XXXX regarding a rapid payoff schedule, and questioned the new payoff amount. XXXX ordered a new payoff amount be sent to me and said the payoff schedule I proposed would likely be approved and the new charges could be reduced. Instead, in XX/XX/XXXX I received another payoff amount, this time increased to {$12000.00}. I am prepared to pay {$5000.00} toward a reasonable, fair, and honest payoff amount immediately and the remaining balance off by late XX/XX/XXXX.

Specialized Loan Servicing has refused to sent monthly or even quarterly statements for years and they ca n't explain the amounts due when I call for the info. I repeatedly requested statements and needed them during a health crisis because a family member was helping keep track of monthly bills.

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2018. After further research regarding my XXXX  credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my Experian report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.

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 10-06-2015 about Debt collection (Credit card) with U.S. BANCORP (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My account was closed at MY request. This should not be on my credit reports. I want them removed from ALL three credit bureaus ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have asked to bill me, I will pay as much as I can when I can. Asked to stop calling while I am at work, asked to stop leaving voicemail at work as calls are recorded. Asked to stop calling those I listed as references.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Bank checks issued payable to Department of Education to fully pay off my parent loans with Great Lakes. 

XX/XX/XXXX- U.S . Postal Tracking confirmation that the checks were received by the Department Of Education ( XXXX.XXXX XXXX, XXXX, GA XXXX ). 
XXXX Both checks were cashed on this date. 

TO THIS DATEXX/XX/XXXX my account has not been updated with the payoff payments I have made. 

Been speaking with XXXX, supervisor at Great Lakes and she advised me that the checks were sent to XXXX in error. 

How did that happen if the Payoff Statements downloaded from Great Lakes website were attached with the checks mailed. 

The checks were issued to the Department of Education and referenced to Great Lakes. 

How long will it take Great Lakes to rectify the situation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I currently have student loans serviced by Navient. I am also a co-signer on my brother 's student loans. When I login to my account to pay my loans, my brother 's loans are presented as part of my total student loan payment. My cosigner agreement states that I am a guarantee for my brother 's loans, not primarily liable. However, the Navient website is deceptive, and makes it appear as though I am primarily liable for my brother 's loans, even though he is making payments on them. 
I want my brother 's loans removed from my account summary page, and for Navient to stop deceiving me into thinking that I am primarily responsible for this debt. I believe that this practice is a violation of my state 's Consumer Protection Act as well as the Fair Debt Collection Practices Act ( FDCPA ). 
I called Navient and was lied to by the representative, who told me that I am equally responsible for making these payments even though my brother is current on his payments. I was told that this could not be removed from my account. 
These deceptive practices need to stop. I will consider any and all legal action, including a class action lawsuit if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been dealing with navient for almost two years and they are the worst when it comes to customer service. No one there I have spoken to have ever been on the same page and ca n't ever tell me what I owe exactly. I have tried to get them to work with me in lowering my payments but instead I was told I would have to pay the amount I 'm paying. I was approved in XXXX to defer my payments till XXXX and I still got collections letters in the mail from navient.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (PA).
Issue: Fraud or scam

Complaint: In XXXX, my friend purchased a {$300.00} MasterCard gift card ( plus {$5.00} in " fees '' ) at a local grocery store ( XXXX ). According to the packaging, it was issued by the US Bank National Association. She gave it to me later in the month or early XXXX. In XXXX, I decided to use it. The instructions said to to register it online prior to making an online purchase. I attempted to do so at XXXX - the site listed on the packaging. The site told me they could n't find the card so I called the customer service number - XXXX. According to customer service, the card was not activated at the point of purchase and I was directed back to the store. I went to the store ( WITH the receipt for the gift card ) where the baffled manager said he could n't help me and HE called the customer service number and they advised him I should call back with instructions. I returned home, called the number, and the rep told me I would have to fax the receipt, along with a copy of the gift card ( front and back ) to the attention of " Gift Card Activation '' at XXXX. She said it would take 7-10 BUSINESS DAYS to activate the card. I did this on XXXX XXXX. On the XXXX day, the card was STILL not activated. I called AGAIN and the rep told me they would " escalate '' the matter -- but refused to find out if even the fax was received as that was a " different department. '' When transferred to a supervisor - she told me the same thing. ( But how can you " escalate '' something that is ALREADY late on your part?! ) She took my phone number ( which was already on the fax I had sent ) and said someone would call me back in 24-48 hours. After 48 hours passed without a call, I called them. The supervisor then explained that it was n't 24-48 hours in day time -- it was 24-48 hours -- BUSINESS HOURS. ( Have you EVER heard THAT? ) Which, he told me, would be five more days before I would hear about ANYTHING. This is OUTRAGEOUS! I asked him for the name of the company he worked for and he said, " Card Services. '' I asked for the physical address so I could put it on the complaint form to the XXXX Attorney General. He refused to give it to me and could only tell me that the business was located in XXXX. So, after being told the card would be activated in 7-10 business days, it was n't. Now I am " lucky '' enough to have this matter " escalated '' so it MAY be five MORE days before a single person calls me and will probably tell me " they never received anything. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: i applied for a loan mod, was approved for it and because of misinformation, delays and various other reasons manufactured by chase home loans, have been cancelled and now they say i have to resubmit all the paperwork again or lose my home. all this is over a notarized signature that chase claims is either executed incorrectly or nonexistent. I have spoken to numerous individuals and have been given incorrect instructions on what to send, do and now am at my wits end. they refuse to honor the modification. they said i have to start from scratch and will not assure that the terms of my modification will remain the same even though the delays were of their making. I was told that a modification packet was delivered with a time frame and that i did not return it. this is news to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I am a victim of identity theft and fraud it shows that I am a policy holder for car insurance from XXXX for two vehicles which one was financed through XXXX and XXXX XXXX and this same vehicle was bought at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX,Ma it is a XXXX XXXX XXXX XXXX XXXX which I DON'T own the other vehicle is a XXXX XXXX XXXX XXXX XXXX  plate number XXXX I tried to call XXXX XXXX last week as well as XXXX and the car dealership as well as the XXXX XXXX XXXX where there cars are registered and have gotten no where and which these cars and the loans show up on my credit report as well as my information shows up on progressive as myself for the policy holder as well as student loans and mortgages show up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The department of treasury took my income tax f or 3-4 year s starting after  XXXX   2011  the year I graduated The  XXXX    XXXX   XXXX   XXXX   Should of sent me a receipt for paying instead of sending me anything stating i paid making it seem like i didnt pay them anything i need justice because this is really damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been yrying to aell a house and pay XXXX to Wells Fargo to pay off the HELoC. The titltle company and i have been calling them daily for a week. We have received XXXX differemt fax numbers to send the authorization and release to. As of today, they can not verify they have have received the authorization. And wont talk with my loan closer on the phone unless I am on the phone. They also refuse to send a payoff quote so that we can finalize. They also refuse to let me take an aithorization to another branch office. As a result, te biyer may cancel the contract and we could suffer financial penalties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to use Experian 's online application to place a credit freeze. I filled in all requested information. After accepting my credit card payment of {$5.00}, a new screen said I could not place the freeze online. It said to upload additional information ( which it then said could not be done ), or mail in another payment with additional information. Neither XXXX nor XXXX made it impossible to place an online freeze. It appears that Experian is throwing up road blocks for its own self interest.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never 30 or 60 days late in the months of XX/XX/XXXX or in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 10/19/2015 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Other fee

Complaint: I received an email from XXXX offering a free credit score report. When I replied and thus submitted the request I unwittingly must have agreed to a continuing charge, etc. which was hidden in the usual flabberjabber but which was not clearly stated or I would not have submitted the request. I only discovered this when I found a {$39.00} charge on my Chase Freedom card. They have made cancelling the " membership '' difficult by not providing for an opportunity to cancel online and have only provided a telephone number with limited hours. According to online complaints actually canceltion is often ignored. 
I received an email from them on XXXX which I did not read telling me that I had until XXXX to cancel the membership of which I was not aware or desiring.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Trans Union several times since early XX/XX/XXXX to remove information on my credit report that belongs to someone else. The other person 's information on my report died in XX/XX/XXXX and because his SSN is similar to mine, I can not get Trans Union to remove his death claim from my credit report, in spite of my repeated requests. I am being denied car insurance and cell phone service because of their error. Every time I call Trans Union I am told " the problem will be fixed in 5 days '' but it is never fixed and no one really looks into it to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In or around XXXX I was sold classes to XXXX XXXX. I even moved to be close to school. I attended school for XXXX years. I had to leave but paid off my loan. Now the school is closing and I am trying to get what I paid for which is proof I attended and get credit for those classes I did take via transcripts. I was told by company that I am directed to by XXXX they are unable to locate my transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Debt collection (I do not know) with CL HOLDINGS LLC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from XXXX stating I owe a debt and must repond/dispute in 30 days or they assume it is valid. The debt is time-barred so I responded with a certified letter and regular letter disputing the debt. Two weeks later XXXX mails me stating they are not handling the account any longer. One week later Jefferson Capital Systems LLC sends me a letter stating I owe a debt of the same sum and that I have 30 days to respond or they assume it is valid. Where does this end?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had XXXX accounts disputed and they were removed from my report now a new company reported my old debt back on 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 non-monetary relief
Consumer complaint received 05-01-2017 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: I requested a 7 year fraud alert and 7 year security freeze from Equifax verbally and by certified ma il on  XX/XX/2016     due to identity theft. I was told what was needed, what to request, in the letter by an Equifax operator I was told a copy of the police report, copy of my drivers license, and a copy of a utility bill. After receiving conformation of the letter delivery, I called Equifax to confirm these requests were put in place.     This weekend, my credit report was fraudulently obtained by a car dealership. They accessed my report while I was test driving a vehicle prior to any offer/discussion of purchase. When I returned from  the test drive,  I told them not to try to access my credit report because it was locked. They said no it isnt and said they had already accessed it. I asked them why they accessed it as I would not be using credit and their business manager told me it was to make sure they could accept a check from me and show I wasnt a  XXXX .     I called all  XXXX  credit agencies today to confirm that the fraud alert and security freeze were in place.     When I called Equifax today, I was told there was no security freeze in place and copies of my credit report could still be obtained by anyone requesting it.  XXXX , who said she was top management, confirmed that my certified letter requesting fraud alert and security freeze with the documentation of police report, copy of my drivers license, and a copy of a utility bill were in my Equifax file. I asked her why the security freeze was not active. She said probably because I requested a 7 year security freeze and they dont have that. She said that she could not add a security freeze now because the police report, drivers license, and utility bill were all from    2016  and were too old to add the security freeze. She said I would have to resubmit updated identifying documents AND a social security card she specifically said, only a social security card will do in order to add the security freeze. She said she would not add the security freeze until I submitted this information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX liens showing up with Equifax which only list XXXX Release of tax lien XXXX {$23000.00} and XXXX XXXX same {$23000.00} different doc numbers and XXXX also list XXXX {$3100.00} These were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Admin Recovery, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection agency contacted me trying to collect debt on an account that is marked written off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (UT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Synchrony Bank, the issuer of your XXXX Account account XXXX They increased my minimum pay from XXXX to XXXX and never informed me and the charged and charged ... ... I was paying 2 times per month still got late fees ... .I lloks as inpossible to pay!!! <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX utah 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 monetary relief
Consumer complaint received 08/27/2016 about Student loan (Non-federal student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: The BANK OF AMEIRICA is collecting a loan ( s ) from my XXXX money ( checks ) and XXXX Insurance money ( checks ) that I never applied for.

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