milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX 2012 I put my loans into forebearance due to financial hardships for 3 months. Navient failed to complete the forebearance on their end and after 3 months my loan was reported as severely delinquent to the credit bureaus. To add insult to injury, instead of just XXXX 90 day delinquency, they submitted XXXX! ( Apparently even though I make just XXXX payment, they consider it to be XXXX separate loans I have with them ). I wrote to them asking for removal of all XXXX from my record or at least XXXX of them as my credit went from mid XXXX to below XXXX, all my credit card limits were reduced to whatever my balance was which in turn lowered my credit even more as now I had several maxed out cards, where prior to that, I had at least XXXX to XXXX dollars in available credit on all of the cards. My appeal was rejected and it has taken the last 4 years to build my credit back up. I was not able to qualify for a mortgage because of that fiasco.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is a XXXX BP account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have called and faxed my request 4 times to have my personal information corrected and addresses and name variations corrected. This agency keeps telling me that I have to fax all kinds of personal info including a few of my bills which I am not comfortable doing. I have provided my drivers license and social that should suffice.

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 02/23/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: While paying bills through Suntrust Bill Pay my XXXX bill was entered as a rush payment for an additional cost of {$9.00}. This was not what I wanted, needed or asked for. There had been a red message prior, I did not know what it was, I re-entered the bill and the date was in green, so I assumed it was fixed. After I submitted the bills for payment I saw that I was being charged for a " rush payment. '' I immediately returned to the screen to cancel the payment but there was no option on that bill. It was locked into processing. I then called the Suntrust customer support and was told it is operated by a third party, and they can not get to a screen to cancel either. I had the Suntrust Representative call the third party ( XXXX ) to explain the problem and ask for their help. They refused to help or waive the charge. I told Suntrust I was filing a complaint with Consumer Financial Protection, and she said she would file a complaint with the Bank on my behalf. Suntrust complaint # XX/XX/2017-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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX I filed a complaint against Santander with the CFPB and I was told to call the CFPB which I did for my results. Well according the representative for the CFPB she told me it was nothing they can do for me because Santander told them that I had attorney and they could not speak to CFPB about the matter and the comments that they put on my credit report as a paid charge off. Even though our agreement was once I paid the amount they gave to me that day on XXXX2015 and by a certain time which was XXXX that day they will closed the account and have it as paid and closed on my credit report, but that was a lie they only told me that so they can get my money and still put negative reporting on my credit report and they still sent me a XXXX for the remaining balance but listed it as a charged off and now since I called and file a complaint with the CFPB they have updated my credit report with all kinds of LATE FEES and negative markings, like as a retaliation to me from their company because of me filing this complaint and I did this because they are a very dishonest company and have had several complaints wrote up on them for this same situation. All I want is for Santander to do what they promised me before they took my money and that is report truthful information and stop being dishonest saying I have attorney on my account and IF THAT IS THE CASE then : I am giving CFPB the permission to access and find out any information that is on my account.and like I stated before the FRCA states the information should be true and accurate and not JUST START reporting negative information since a complaint was file with the company ( Santander ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I recently transferred my federal direct student loans to fed loans from XXXX XXXX. I submitted the paper work in mid XXXX XXXX and it was received by Fed loans prior to the end of XXXX. It is currently mid-late XXXX XXXX and Fed Loans is STILL unable to tell me how many successful payments I have made towards PSLF. When I asked them how long until they would be able to calculate the amount of payments I have made towards loan forgiveness ( presumably a process of SIMPLE COUNTING TO TWENTY-SOMETHING ), they informed me today that it will take another 3 months. 

I need this information in order to maybe irreversible and significant decisions very soon. It is absurd that it has taken them 2 months already and may take an additional 3 months to take a basic tally of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XX/XX/XXXX - Checking account opened online at BMO Harris Bank with bonus offer code " XXXX '' which is a {$200.00} offer if 2 direct deposits of at least {$300.00} are made during the first 90 days of account opening. Offer stated that bonus would be applied within 120 days of account opening. ( I have attached the original email with the bonus offer and terms. ) XX/XX/XXXX - Direct deposit # 1 of {$300.00} posted XX/XX/XXXX - Direct deposit # 2 of {$300.00} posted XX/XX/XXXX - Last activity ( ACH withdrawal ) on account. {$0.00} balance XX/XX/XXXX - The 120th day of account opening, bonus should have posted by now. {$0.00} balance XX/XX/XXXX - XX/XX/XXXX statement ( XX/XX/XXXX-XX/XX/XXXX ) made available online. No activity in the statement, {$0.00} balance XX/XX/XXXX - I call BMO Harris to ask about the bonus. Rep says the offer code was not applied properly to my account and she will send the case to marketing team to investigate. She suggests I put some activity on my account to avoid account closure from inactivity of over 45 days. This is the first I 've heard of an inactivity closure. I thus send a {$1.00} ACH deposit to my account for XX/XX/XXXX from my XXXX XXXX XXXX checking account. 
XX/XX/XXXX - Account is closed without my knowledge XX/XX/XXXX - I notice my account has the status of " Purged '' when I login online. I call BMO Harris and ask rep to investigate why the account was closed. 
XX/XX/XXXX - XXXX XXXX XXXX says the {$1.00} ACH has failed because the BMO account is showing up as closed. 
XX/XX/XXXX - I call BMO Harris. The first rep explains that BMO Harris marketing team rejected my request to honor the bonus because I did not satisfy the requirements. Marketing claims that the requirements were to have a " recurring deposit deposit for at least 90 days from account opening. '' Rep then explains the account was closed for inactivity of over 45 days. I ask to escalate the account closure issue and he says there is no recourse for this. I repeat this with another rep and she tells me the same thing. I am told nothing can be done over the phone since the account has been closed.

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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, XXXX, American Honda Financial XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Attn : Credit Bureau Dispute Resolution Unit CBDRU Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX. 

I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, XXXX XXXX  American Honda Financial, XXXX XXXX XXXX and XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: company fails to remove medical collections which they were violating the hippo laws concerning medical information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ask company to to verify these accounts on my credit but said company as failed to do so

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 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SD).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I 've been trying to receive my report from Equifax for 4 years! They give FALSE questions online to deny access! ( People assume ID Fraud based of this Equifax scam ) Equifax does not sent the report after sending them copies of license, Bills, SSN, Tax info ect. This company does this so they can charge you! They are breaking the federal law stating all consumers can receive one free report a year! I want my report that EQUIFAX owes me! The fake questions need to end and this company needs to comply with the law or be fined! Many online complaints state they do this to a lot of people! Enough is enough!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.

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 10-01-2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A medical bill was sent to collections XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. The original balance of the debt was {$2000.00}. A settlement was reached for {$1000.00} on XXXX/XXXX/XXXX. The current balance has shown as {$0.00} since XXXX/XXXX/XXXX. The Pay Status for this account has been " Account Paid in Full ; was a collection '' and also " Paid In Full in Settlement. '' All credit reports up until XXXX XXXX, XXXX reflect that this account was closed and balance was {$0.00}. On XXXX XXXX, XXXX the status of this account changed to open on my credit report. There is no longer a debt owed. After requesting that this closed collection account be removed from my credit reports, XXXX changed the status to an active/open account. This is inaccurate due to the settlement that was agreed upon in XXXX of XXXX. Any action taken after XXXX/XXXX/XXXX is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I started received mail a few weeks ago intended for different parties. I have no credit relationship with the other parties. I checked the credit report from Experian and under " Personal Information '', it lists a " known by '' name as XXXX. This is not my name and has never been my name. I have birth certificate as prove and official Department of State documentation. I attached XXXX documents which include credit report, and the mailings I received from institutions that use Credit Agencies. The names are those of my parents ( however, I can not conclusively state it is not a coincidence that the XXXX names on the envelopes are my parents who live on the other end of the country ) and have no association with this residence, nor do we have credit or business relationship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting that my account with XXXX XXXX / XXXX which was owned by XXXX XXXX at the time of the reported late payment in XX/XX/2014 and later sold to XXXX. XXXX is reporting the late payment information. I have spoke with XXXX XXXX and they state they have corrected the mistake and are reporting the account to XXXX as paid on time. XXXX is reporting it as paid late and I can not get any information from them because they did not own the account at the time it was reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XXXX of 2017. I have never received an updated report from XXXX or XXXX concerning these matters as of XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least XXXX with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : 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 XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX- XXXX Experian : 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 -XX/XX/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 INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX XXXX : NAME : XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EXPERIAN : ADDRESS : 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 01-02-2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (LA).
Issue: Trouble during payment process

Complaint: I assumed the mortgage from XXXX XXXX XXXX. I have made the payments of {$570.00} there after the assumption of mortgage. I realize the the interest rate is 10 %. The Mortgage was thru XXXX XXXX XXXX XXXX then thru Citi financial and then transfered to XXXX XXXX XXXX. I have some documents dating back to where the payments were going straight to interest and payments going straight to principle. The mortgage was for payments of {$570.00}, and would have expired on XX/XX/XXXX, from XXXX XXXX XXXX XXXX. Citi Financial has taken some action to resolve the interest rate problem from XX/XX/XXXX until XX/XX/XXXX and transferred the correction to XXXX XXXX with interest 10 % and a balance of {$3400.00} due at the time of transfer. Which XXXX XXXX has not done so correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my loan with Round Point Mortgage on XXXX XXXX, to date I have not received the {$2700.00} left in my escrow account. I 've made multiple phone calls to Roundpoint Mortgage and Servicing, been left on hold for up to an hour until I finally had to hang up. I am told a different story each time I call. Was told first check was sent XXXX XXXX, then I was told it was issued on XXXX XXXX. I explained I have not received the check and was told a re-issue check was sent XXXX XXXX and yet I have n't received that check either. I filed a complaint with the CFPB on XXXX XXXX and received a letter from Roundpoint confirming that complaint. How is it that I can receive a letter from Roundpoint about the complaint I filed and yet I ca n't receive my escrow balance which is rightfully due to me????? I believe I am being lied to about them actually sending a check. Each time I get a rep on the line I ask for a manager or supervisor and for some reason, they do not want me to talk to one. I understand the time line for returning escrow balance is 20 days. It is over 60 days at this time and no escrow refund. PLEASE HAVE SOMEONE WITH KNOWLEDGE AT RPM call me regarding this matter.

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 02-01-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing on a mortgage

Complaint: We purchased a home in XXXX XXXX NY in 2006. When we purchased the home the old owners new/ refinance mortgage was 6 months old after moving from XXXX XXXX ( who is now out of business ) to Chase. We are now in the process of trying to sell the home and close. The new title search company is showing that the house still has an outstanding mortgage because XXXX funding apparently failed to file discharge papers with the county clerk. Our lawyer who is doing the closing states that when the loan was paid, it wasnt assigned or acquired by whoever took over the accounts from XXXX lender because there was nothing to get. We are being told that because of all the fraud in the past that we are required to give {$10000.00} to put in escrow before we close. This money will only be used if legal actions are needed to find the missing information. I am not sure why we need to do this since we did a title search when we closed in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account is not mine. I am a joint user, and have not used the account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation