milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I started attending the XXXX of XXXX in XX/XX/XXXX. I was recruited from XXXX by the school over the phone which is located in XXXX. I received very little information on my loans after starting and was only told to sign on the dotted lines. I was told they had high job placement and that the market for XXXX in XXXX was great. Loan terms were never fully explained when I started and almost all of my financial assistance was in the form of multiple loans. The XXXX 's programs was {$38000.00}. I finished with an XXXX and was somehow {$45000.00} in loan debt. I have all the original loan estimates from XXXX that show figures closer to the {$25000.00} range and can not figure out how my loan balances got so high when the total cost of the program should have been much, much lower. I graduated in XX/XX/XXXX and they still have not sent my paper diploma nor will they return my calls. ( I do n't even have my diploma from them after graduating! ) They did very little to help me find a job and when I took up a job in retail just to make ends meet they marked me complete for finding a job and stopped assisting. XXXX serviced my loans at first and whenever I would call to report financial hardship I was advised to defer my loans. I was not told my loans would continue to accrue interest. I still have multiple pamphlets on deferment/forbearance options from XXXX and XXXX as these were the only options explained to me. XXXX eventually consolidated my loans so I could not see the individual loans I had taken out and then sold those loans to Navient who has also kept them in deferment/forbearance. I ca n't get any assistance figuring out why my loans are so high, why XXXX seems to have over charged me, or why my interest rates are so high. I inquired about loan plans and they sent me information on plans that resulted in me paying more interest than my loans. My loan balance is currently {$69000.00} and under any of the XXXX plans they offered I would end up repaying at minimum {$130000.00} ( with some of them going up to {$150000.00}!!! ) That 's almost ( or more than in some cases ) double my loan amount! I ca n't get answers on what happened during my prior consolidations, why my loan balance is so high, or why I 'm only being sent information on loan plans that result in me paying double the amount of my loans. There have been suites against XXXX and its parent company XXXX for defrauding students into attending in order to take advantage of federal assistance - I feel that I was a part of those numbers. There were suites against XXXX for pushing students into deferment options without explaining terms - I was a part of that. There are now suites open against Navient for the same thing. It has been frustrating and financially draining to be pushed around from company to company with no understanding of my loans and no one to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Consumer Loan (Vehicle loan) with Home Loan Center, Inc. (CA).
Issue: Shopping for a loan or lease

Complaint: Dispute is with LendingTree, an agency who claims to provide you with options to " save '' on your current auto loan. I am very disappointed with the service! Numerous ( separate ) inquiries by their partners were done after accepting their offer to " save ''. I called the different companies who inquired on my credit and was told that the authorization to pull credit was submitted by Lendingtree. I did not authorize for separate inquiries to be done! I called Lendingtree and was expecting for them to be " apologetic '', instead the representative showed no apathy. She mentioned that the disclosure to run numerous inquiries was on the request. I checked the application and the disclosure was very subtle, thus very deceiving. After all this commotion, I did not receive an offer that would actually save me money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX refuses to investigate and remove inquires that are unknown and not inquired nor authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I requested Synchrony/walmart to validate debt ( acct # XXXX XXXX XXXX ) with my signature and on XX/XX/XXXX below is the letter.

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 01/25/2017 about Debt collection (Medical) with NRA Group, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I set up a payment arrangement on the phone for {$50.00} a month. With their monthly fee it comes to {$57.00} and I set up auto payments from my checking. After 6 months I got notice it was going up to {$100.00} a month. I called to see if I could keep it at {$50.00}! a month with the holidays and money being tight. I was told for 3 months and I said I would call back after that to see if I could afford more or not. The next week my regular {$57.00} payment was taken out along with an additional {$110.00}. I called immediately and was told I could have it applied to other payments or get a refund. I told him I wanted a refund. This was on a Thursday and I was told to call back Monday if it was n't credited. I called back Monday was put on hold and told the supervisor would call me later that day. It 's now two days later and I still have n't gotten a call from a supervisor. I called back again and asked to speak to the supervisor and explain my situation to the girl was placed on hold again then she came back on and said they were working on it and a supervisor would call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been repeated called by Portfolio Associates after changing my number XXXX times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Vehicle loan or lease (Loan) with World Omni Financial Corp. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XXXX I filed Bankruptcy which has since then been discharged and I am currently making voluntary payments to keep the car. I was told I could only reaffirm the Loan if it was current and because I was past due I would not be able to reaffirm. I was unable to bring current until the Bankruptcy was already discharged. When I contacted XXXX XXXX on XX/XX/XXXX and asked amount due to bring account contractually current, I was told {$1100.00} to pay for XXXX, XXXX, XXXX, & XXXX. On that day I authorized {$800.00} and then returned call on XX/XX/XXXX and authorized remaining balance of {$300.00}. After that payment I would then have been due for XXXX installment on XX/XX/XXXX. I called on XX/XX/XXXX and authorized {$330.00} - when this happened the representative put in the payment for {$770.00} causing my checking account to over draft. I then called XXXX XXXX to advise them of the error. Now up until this moment I was contractually current. But when they reversed the payment in order to refund me the {$440.00} that was taken in error, its created my account to reflect as if now I owe {$220.00} for a partial payment. I have what is called a Simple Interest Loan which they created this interest due with the payment processing error. I 've since been told that I was misquoted the amount to bring current. Then told I have n't made enough payments since beginning of loan. I have asked for a payment history which they have said they have mailed, but coincidentally I have never received. I 've also been told I have outstanding fees due but they can only explain about {$200.00} or so of them as to late fees but unable to explain the remaining balance to me. I then asked to speak with manager I was forwarded to Manager XXXX XXXX at XXXX have left a message but since then no one has returned my call, I have yet to receive the payment history, and my account is still showing past due. I 've since then made a payment on XX/XX/XXXX in the amount of {$330.00} which should have covered XXXX but due to their error applied towards XXXX. My loan has already been closed due to Bankruptcy so I 'm no longer in an agreement meaning they are able to repossess my vehicle at any time. I feel the account is purposely being mismanaged in order for them to keep the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted a short sale to USbank on XX/XX/2016. They collected documents and had a complete file on XX/XX/2016. It has been 96 days since the short sale was submitted. They have not even ordered and appraisal on this case.

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 03/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX XXXX is on my credit report. I never authorized this hard inquiry. They will not help get this matter resolved and I did not submit an application for credit. They told me they would send this to fraud. They transferred me to many departments and did not know how to resolve this matter. XXXX suggested I complete a police 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 explanation
Consumer complaint received 10/29/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: I have not received my payroll deposit. Just add me to the list of people that are waiting for their money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: XXXX XXXX ORGANIZED A COMPLICATED FRAUD COVER UP IN XX/XX/XXXX WITH NTIONSTAR MORTGAGE. ~ NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD AND EMBEZZLEMENT / MISAPPROPRIATION OF FUNDS OCCURED AT XXXX XXXX AND XXXX XXXX WHEN XXXX XXXX WAS CONFRONTED AND CAUGHT ... THEY SOLD THE LOAN TO NATIONSTAR *** NATIONSTAR REQUESTED THE PROPER LOAN DOCUMENTS TO PROVE THIS WAS NOT A FRAUDULENT LOAN .. AND INSTEAD GOT AN ORGANIZED CRIMINAL COVER UP ORCHESTRATED BY XXXX XXXX 'S VICE PRESIDENT, XXXX XXXX XXXX XXXX XXXX NEVER PRODUCED THE DOCUMENTS NOR DID THEY DEFER OR REFUSE TO COMMENT AS UNAUTHORIED 3RD PARTY IN XX/XX/XXXX ... ALTHOUGH LEGALLY THEY SHOULD HAVE AND FORCED NATIONSTAR TO CANCEL THE LOAN DUE TO NOT HAVING THE PROPER DISCLOSURES OR LOAN DOCUMENTATION *** XXXX XXXX LIED TO THE CFPB AND THE CONSUMER IN XX/XX/XXXX AND XX/XX/XXXX AND MISLEAD BOTH OF THEM ON HOW THE REAL ESTATE SETTLEMENT PROCEDURES ACT WORKS WHEN ENFORCED *** YOU CAN NOT MISLEAD A CONSUMER ... YOU CAN .NOT LEAVE OFF LENDER REQUIRED ITEMS TO MAKE A PAYMENT APPEAR LOWER *** WHEN ERRORS OCCUR THEY HAVE TO BE CORRECTED OR 100 % OF THE LOAN HAS TO BE CANCELLED ... IMMEDAITELY ... WITHOUT QUESTION, HARASSMENT, EXTORTION OR ANY FURTHER COLLECTION ATTEMTS OF ANY KIND *** THIS IS COMMON SENSE AND IT IS THE LAW IN EVERY INDUSTRY*** NATIONSTAR HAS NOW LOST THEIR STAR WITNESS ... XXXX XXXX KNOWS SHE BROKE THE LAW AND NOW REFUSES T COMMENT *** NATIONSTAR KNOWS XXXX XXXX BROKE THE LAW *** NATIONSTAR BROKE THE LAW BY COVERING THESE FACTS UP *** AND NOW EVERYONE IS HIDING FROM EACH OTHER HOPING WE JUST GO AWAY ... THERE IS A 0.0 % CHANCE OF ME GOING AWAY WITHOUT JUSTICE IN THIS CASE ... I FOLLOW THESE LAWS EVERY DAY ... I EXPECT EVERYONE ELSE TO DO THE SAME WITHOUT QUESTION ... ALWAYS XXXX XXXX ANSWERED THE PREVIOUS COMPLAIBTS FALSELY AND ENTHUSIASTICALLY ... SO WHY BE COY NOW??? YOU BROKE THE LAW,,, FACE THE CONSEQUENCES. I CAN NOT SELL STOLEN GOODS OR MISLEAD PEOPLE BY HUNDREDS OF THOUSANDS PF DOLLARS ... AND NEITHER CAN THEY. WE ALL FOLLOW THE SAME LAWS ... SOME OF US JUST NEED FINES AMD PRISON TIME AS REMINDERS. WE HAVE PROVEN FRAUD ... NATIONSTAR CONFIRMED FRAUD AND LATER COMMITTED THEIR OWN FRAUD ... SO WE ARE EXERCISING OUR RIGHT TO IMMEDIATE LOAN FORGIVENESS. IF THEY REFUSE TO COMPLY ... I ALSO WANT THE RECORDING MADE OF MY XX/XX/XXXX-XX/XX/XXXX PAYMENTS AND XX/XX/XXXX TO XX/XX/XXXX PAYMENTS IN XX/XX/XXXX ... WHERE NATIONSTAR COMMITTED WIRE FRAUD BY TELLING ME THEY WERE APPLYING PAYMENTS TO MY ACCOUNT WHILE SIMULTANEOUSLY STEALING THEM AND NOT PAYING PRINCIPAL AND INTEREST FIRST AS REQUIRES BY THE RESPA. ALSO ... WE HAVE ESCROW FRAUD IN XX/XX/XXXX. I IMMEDIATELY PAID THE ENTIRE ESCROW SHORTAGE FROM THE ANNUAL REVIEW OF XX/XX/XXXX AND IMMEDIATELY GOT A DEMAND LETTER FOR MORE MONEY AND ANOTHER ESCROW SHORTAGE ... THEY CONTINUE TO USE COMPUTER FRAUD TO STEAL $ $ $ AND LEAVE CONSUMERS STRUGGLING TO KEEP UP WITH THE CONSTANT DISHONESTY.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: had requested equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Mortgage) with Patenaude & Felix APC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This week I received a notice from Law Offices of Patenaude & Felix, A.P.C. in an attempt to collect a debt that was settled in a short sale of a property in XX/XX/XXXX. This is the second such collection attempt from another deb collection firm, clearly the debt was resold to another firm. The XXXX firm, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect the debt in XX/XX/XXXX. I retained a local attorney ( XXXX XXXX XXXX ) to contact the debt collection firm and force them to cease their attempts. My attorney cited the fact that their attempts appeared to violate the Fair Debt Collection Act and demanded that they produce " copies of all correspondence and any settlement agreements '' relative to this debt. No response was ever received and nothing was ever produced. XXXX, XXXX, XXXX XXXX XXXX immediately ceased attempting to collect the debt and no further contact was received. Now two years later another debt collection firm, Patenaude & Felix, A.P.C. is again attempting to collect a debt that was settled in a short sale and I know longer owe. For nearly 4 years now, this debt continues to tarnish my otherwise good credit rating and I feel helpless to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting a single state income tax lien XXXX attached ) in duplicate on my credit report. 

I had a Georgia income tax lien XXXX XXXX XXXX ) placed against me on XXXX/XXXX/XXXX and paid the lien in full on XXXX/XXXX/XXXX. The Georgia Department XXXX XXXX charged a fee of {$25.00} in addition to the original lien amount of {$740.00} for a total payment of {$770.00} to satisfy the lien. 

The XXXX XXXX XXXX Court recorded the lien when it was placed XXXX XXXX XXXX in XXXX and then again to indicate its satisfaction XXXX XXXX XXXX in XXXX. Equifax is misrepresenting the recording of the satisfaction in XXXX as a SECOND tax lien on my credit report. 

Neither XXXX are reporting the second fictional lien but Equifax is XXXX see attached public records potion of my credit report ). 

Equifax has been put on notice by me and responded with Confirmation # XXXX XXXX see attached ) claiming they had investigated the matter and determined that each lien was reporting correctly. 

Either Equifax conducted NO investigation of my complaint dated XXXX/XXXX/XXXX ( see attached ) or their investigation was so SHODDY as to, in either case, constitute a violation of the FCRA by willful or negligent actions on their behalf.

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 Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have mailed Experian several times stating over and over again that I never had a previous address of  XXXX   XXXX   XXXX   XXXX  ' or whatever it was as listed on my Experian credit report. This is an address in  XXXX , GA.     The problem is, I have NEVER LIVED in  XXXX , GA. I did a quick Intelius search for myself  XXXX   XXXX   XXXX  and found ANOTHER  XXXX   XXXX  currently living in  XXXX   XXXX  GA.     For my personal listing, it DOES list  XXXX , GA along with  XXXX , WI  (  my actual residence ) as a 'residence, ' but this is because fo r 1.5 years I  worked for a company called  XXXX ,  XXXX   XXXX   XXXX   , G A, except I did it VIRTUALLY ( telecommuting ). When the company sent out my tax forms, they mistakenly sent it to my current address,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  GA ' and not,  XXXX   XXXX   XXXX  WI. ' This is the only explanation I can come up with for why the address is on there and also listed on Experian 's credit report for me.     I have asked them to remove other iterations of Atlanta-based addresses on my credit report, and they complied. It was basically different versions of the same thing  XXXX   XXXX   XXXX   XXXX , ' or something to that effect. I have NEVER LIVED in  XXXX , so I would like them to remove it now. I have already mailed them  tw  o lett ers about it and they have responded back with something like 'we use different bureaus and reporting methods to check accuracy. '  XXXX . They are using the address of an old employer 's tax forms and am sick and tired of their  XXXX  because upon looking online to other credit reporting forums, I see that others have tried to get their addresses removed from Experian as well and had no success.     Experian does n't seem to understand that creditors trust you based on how long you have lived at an address. I lived at my current address for 18 years (  XXXX  ), then went to college in  XXXX   XXXX  until   XXXX  , then moved back here to the same address I started with (  XXXX  Present  ). I do n't see how  XXXX  hard this is for them to get through their thick skulls. If they want to play these games the next step is I 'm suing them for violating the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 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: Problem with personal statement of dispute

Complaint: I have been disputing an inaccuracy for years. I attended arbitration court and the arbitration judge indicate on XX/XX/XXXX. That all credit beaures need to delete XXXX XXXX and XXXX XXXX. As of XX/XX/XXXX all credit bureaus honored the judges request except Experian. I spoke to Experian on XX/XX/XXXX to see if they received the letter from arbitration. They indicated yes but all they can do is dispute the claim. I again called on Wednesday XX/XX/XXXX and XX/XX/XXXX and the only thing they stated was. 1 ) Yes they received the letter from the judge. 2 ) The only thing they can do is disput it because their a third party entity and the individual thats doing the disputing has no rights. The agency is always right and if they indicated it's should remain than it will remain inspire of a judges demand. Experian indicated to me on that Friday XX/XX/XXXX. The judges request has no jurisdiction if the individuals I'm disputing states it's factual than I'm over rules. I asked the representative in the dispute department to please repeat it so that their company recording could hear what is being said. Yes, Experian has all if my certified letters requesting XXXX, and XXXX XXXX  be removed along with the judges ruling but they refused. They are aware in several certified letters as well as my request for assistance for the 3rd time from CFPB that they are tarnishing my credit, my name, and I am paying a high interest rate on my car and I'm unable to purchase a home in a decent area due to this information on my record. Experian has absolutely no empathy for their customers. Non what so ever.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Information that was previously deleted has been reinserted without proper notice being given. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation