milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 'm serviced by Navient, I was required to start paying back my loans before I had actually graduated a year after take a leave of absence form school because of the economic downturn at a time when I had only XXXX class left to matriculate. Navient encouraged me to use forbearance during this period when I might have been directed to an ICD or ICR payment plan. I would like Navient to be require at minimun to be responsible for the increase of debt/payments resulting from this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've reported ID Theft to Equifax for over the pass 3 years and nothing seem to get done about it. I have sent Equifax over XXXX different police reports along with my FTC Identity Theft Complaint And Affidavit they always come back account was verified. The last time I submitted a compliant to CFPD Equifax told CFPD they could n't find a credit report on me, and ask me to submit the same stuff I been submitting for over 3 years and I did that and once again nothing was done about it, I also ask for them to provide me the name, address, phone number and the person name who they talked to so I can talk to them myself it was they did n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX unauthorized credit inquires on the report. 
My information was compromised from XXXX  data hack my information was compromised and used my identity. 

Company was notified by mail but refuses to remove them from XXXX credit report. 
XXXX  refuses to remove them also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: XXXX significant things. First, Citi failed to follow California law when dealing with my billing dispute ( which involved a vendor charging me but not sending me what I ordererd ). They claim that they do not have to follow XXXX law, however, the law clearly applies to a transaction between a CA vendor and a CA buyer. Second, while trying to resolve my dispute with Citi, they made over XXXX collection attempts, which included XXXX disturbing telephone discussion with a Citi collection agent who was very aggressive and threatending, and who indicated there was no record of any dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: In XX/XX/2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted XXXX and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. <P/>When I asked the credit reporting agency, XXXX, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. XXXX and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by XXXX to properly handle my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX, I went into my local Fifth Third Bank and paid off my Mortgage Loan in full. I was told to pay my XXXX payment of Property Taxes. I went to the Court House and paid my Property Taxes. In XXXX I received a letter from the Court House that 5/3 had also paid my Taxes. 
I then went online to my banking and saw that my Mortgage had Not been paid off. I contacted the local branch and found out that instead of applying my money to payoff, they took out a payment that was Not due until XXXX XXXX, they had also paid the Property tax. This should never have happened as it was paid off on the XX/XX/XXXX 
Then by the first part of XXXX, I started getting collection calls on this Mortgage and also mail every day saying I was in default.I even received a Foeclosure letter via Registered mail.I have called faxed and gone into the bank daily to resolve this. I went in and paid the {$350.00} that they had paid on my property Tax. I keep getting told on a daily basis that this will be resolved in 2-3 business days. It has been 73 days. This is ample time. The money shows on the account as unapplied. I do n't know what else to do. I have my paid receipt and the payoff letter from them. I have hired an Attorney. This is Harrassment and I have spent countless hours trying to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Old Acct # XXXX Acct # XXXXHello My name is XXXX XXXX and we were sent to BSI Financial from XXXX XXXX XXXX. We were in Foreclosure. I filed for Bankruptcy in XX/XX/XXXX ; Once approved and was given an amount to pay monthly, I filed for a Loan Modification in XXXX of XXXX to begin making payments again with BSI Financial. After three weeks I called and was told to be patient they were processing it. I called about XXXX times total and was given the same information. On XX/XX/XXXX the envelope I sent with the modification paperwork came back, return to sender. The address for BSI Financial matched the address to this company. I am very dissatisfied with this company. I am trying to keep my home and work with this company to do so but to no avail. My desire is to receive a loan modification and continue to pay my mortgage to keep my home. Where do I go from here? 

Thank youXXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a old credit card debt that is unverifiable and past the statute. I have disputed and nothing has been resolved. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: im submitting a complaint because I went to a new XXXX, I provided my insurance card with the lab card and information. I was charged months later for my visit. They sent my lab work to there lab. not the lab my insurance takes. now im being charged. before my exit i asked the lady at the front desk if there is any cost or co pay. she said no. 
And now im being charged for XXXX bills total of {$860.00}. 
i called multiple times and finally was able to get a hold of someone from the Dr.office. the ending result was they could n't do anything for me, when in deed it was their mistake and lack of communication. they processed my lab work under XXXX 
Im being harassed daily with numerous calls from random numbers all times of the day. i haven received a collection notice from American Medical Collection Agency stating i have to pay this in XXXX days. 
i also would like them to provide proof for this claim. 
i did n't receive any notice or proof to receive any harassment. 

im not working right now and im going through a financial struggle. I cant afford to pay for this and especially in XXXX days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from CHASE ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  Chase announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in CHASE would realize of their mistake.  Unfortunately for us, it seems it was not the case, and a negative entry in our  XXXX  and  XXXX  reports says " Account paid after foreclosure started ''.     I have filed this dispute to  XXXX  three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX ,   XXXX   did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  CHASE (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX  ), Mortgage Release (  XXXX   XXXX   )  and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to CHASE.     Today I got an alert from   XXXX   and the false statement is still there. I called   XXXX    and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE M ONTHS AFTER we had settled, they said they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This complaint is about  XXXX . At some point in the past, a bankruptcy ( chapter  XXXX  or  XXXX , I ca n't remember  ),  appeared on my  XXXX  report. I have never filed bankruptcy. This TANKED my score.     I have submitted request after request to dispute this information off my credit report, however they did not listen after multiple attempts. Frustrated, I looked up on  XXXX  as to whom it could possibly be, most likely 'someone with a similar name ' given that the bankruptcy was being reported in  XXXX   XXXX  GA.     In the attachment, you 'll see the Intelius results for another individual with my EXACT SAME NAME who lives in  XXXX . The first, myself, is listed in  XXXX  because I worked briefly for a company called  XXXX ,  XXXX   XXXX  from  XXXX  to  XXXX  which was based in  XXXX   XXXX  GA. I worked for them FROM HOME (  XXXX , WI  )  as a telecommuting employee, as did MANY others. There was another employee who lived in  XXXX , WI, one guy in Texas,  one  guy in  XXXX , a few in other places around the world. We all had our specialty and we all kept regular business hours and communicated via  XXXX .     For whatever reason, some public record crossed with this individual who is associated with  XXXX  University or health care for some reason. I have never been involved in that industry. This individual most likely declared bankruptcy, and it was reported on MY credit report.     At any rate,   XXXX   has refused to do anything about this. They keep verifying it is accurate, despite me writing them, emailing them, calling them, submitting disputes, and finally it 's come to this. I am FED UP with them, as I have not been able to acquire decent credit for a substantially long time due to this.

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 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I would like to thank you for your time to review my complaint about my horrible experience with CITI customer service XXXX XXXX representative providing wrongful information to me. My name is XXXX XXXX, I called CITI bank to ask about the dividend card that my grandfather loved and to see if I can pre-qualify since I didnt wanted more hard inquires since Im planning to buy a house next year. The represented informed me that the dividend card is not available anymore and that are better options. And he fallowed by informed me about the Citi ThankYou Preferred Card and the Citi Double Cash and wish I wanted the preferred and we went on to talk about pre approval. And he told me to apply for a secured card and call in so we can do a product change ones I had the card. So I did, and called after everything and then I was told I had to wait for 18 moth for a product change for a secured card to the preferred card. So I talk to a supervisor that told me I was getting a call back in 48h and nothing social media ... same response and nothing so I called again and was giving a fax number.. So I send a fax and nothing.. So Im sending this by mail. My information contact information is bellow and a copy of my drivers license is included. Even though there are other choices available in the market, I prefer to be CITI since is something that my grandfather always used your rewards program and love it. I kindly request you to review my case and get in contact with me and expect a positive outcome so I can enjoy banking with Citi and we grow together.

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 03-09-2018 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: Account information incorrect

Complaint: Experian fails to remove the 13 XXXX XXXX XXXX accounst. Experian reports incorrectly that these accounts first report dates. Experian reports incorrectly that these account balances. Experian reports incorrectly that these accounts are past due. Experian reports correctly payments then deletes them. Experian reports incorrectly these account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 01-04-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Billing disputes

Complaint: I disputed XXXX charge with BOA and they did not reassert the charges when provided BOA with evidence that I mailed the item to the merchant and the merchant accepted the package.

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 03-02-2017 about Credit reporting () with BARCLAYS BANK DELAWARE (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On the statement from my financial institution, on XXXX/XXXX/2017 barclays bank extracted the full balance owed of {$4100.00}. So, i made a dispute for the inaccuracy because the bill had been paid in full, and on XXXX/XXXX/2017 they reported & dispute 'resolved ' that no payment had been made, & even increased the balance owed. Again my credit report was updated on XXXX/XXXX/2017, with still no mention of this payment and that it had been paid in full, & the increase in debt owed is violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (PA).
Issue: Problems when you are unable to pay

Complaint: I have already filed a complaint against JP Morgan Chase in regards to my mortgage and there lack of professional customer service. I am a victim of financial and XXXX abuse. I am in the process of getting my life in order. I was left with a huge credit debt due to my spouse. I pay my bill every month on-time. I asked if my monthly payment could be reduced temporarily until I weather the storm. I was told by them that they could not help me. I wrote letters to them explaining my situation and still they would not help me because I am current with my monthly payments. I am trying to avoid bankruptcy. I have a court order sale of my house that my spouse is in contempt of. All I am asking from them is temporary help until I am able to get on my feet. They are unresponsive and down right nasty to me. I received a positive response after filing a complaint about there customer service in regards to my mortgage and now I am asking again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase is increasing escrow reserves on mortgages over a reasonable balance to maintain and use funds in escrow over the amount required to the detriment to the borrower and to increase funds for the bank investments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am contacting you due to several issues with Navient. I took a break from school several years ago. When I took a break I called my loan company to discuss payment options. Over the years I learned that I was never given all of my options to repay. I have a file of late payments due to insufficient payment options that worked for me. After some time I was told about the deferment program which I am currently on. I have not been able to renew on time every year because Navient never contacts me in advance to renew before the deferment ends. I have been on the program for years and the renewal is never updated on time. I have contacted Navient so many times since I am still unemployed with XXXX children. I even consolidated my loans because I did n't know what else to do. I 'm unhappy when I look at my credit report and Navient still shows all the old accounts separately when though the loans have all been consolidated. I 'm so lost and broke. I research to learn how to handle my loans on my own since Navient customer service is n't all that great. With no income how can I afford over {$700.00} a month in student loans alone. How can I feed my children? We have been homeless several times but Navient does n't care. I should be halfway done with 10 years with the IBR but does it count if I do n't renew on time? Is this Navients way of keeping me in a hole and preventing me from reducing my debt by end of year 10? Is there someone else I can talk to? Will the other accounts be removed from my credit report since I consolidated my loans? Is there any help for individuals with children, no job, bouncing from house to house just to make it? Now they are being sued because others are experiencing the same issue nationwide. How will this affect me?

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been working with Equifax to resolve several negative entries on my credit report. The problem is that some of the entries, that I dispute the origin of, have been sold to other collection companies who are also reporting the same negative entries. 
It has been difficult removing these duplicate entries because the only reply you get from Equifax after XXXX days is that they say they have verified this is " owned by you ''. They seem to be ignoring the other very pertinent information sent other than stating that the entry is disputed by the consumer. 
XXXX duplicate I asked them to remove is very obvious in that the original entry shares the exact SAME information as the entry made by the company they sold it to including dates, amounts and even the account number!! Yet the Equifax investigation I started found no problem with this duplicate entry and again just stated " we found this item belongs to you ''! This investigation took thirty days and was pointless since it ignored some very obvious facts! 
It is also very difficult to submit disputes with Equifax in that you are restricted to very few categories to enter your dispute ( For example there is no easy way to submit that a negative entry is a duplicate entry so you end up trying to guess which is the closest ) and it is is limited to XXXX characters and for some reason it rejects the use of a lot of the regular characters of punctuation ( For example the use of an exclamation point! ) and even numbers ( even though it states these are allowed )! The fact that you are not given a contact person means you are at the mercy of their very difficult and slow system and a XXXX sentence reply is not enough. To state, in your investigation " we have determined this debt belongs to you '' is insufficient when you have let them know for example : that a Cell phone company has put fraudulent charges on your bill when that same company is settling XXXX with it 's customers for that very same reason! Well they definitely " phoned in '' this investigation! 
These credit reporting agencies have a lot of power and literally hold our lives in their hands and should be held to a much higher level of accountability!

Company response to consumer: Closed with explanation