milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have sent out multiple letters to NAVIENT for validation of student loan accounts that are showing up on my credit report. I never heard back from them within 30 days by law. I sent the second round of letters asking yet again for validation of this account. NAVIENT has cost me more money in interest fees over the years since i graduated back in 2012. I requested the " income driven base payment '' plan and instead they demanded i go into " forbearance '' instead. This company has become so expensive and has over charged me thousands of dollars in debt due to their scams. I demanding that NAVIENT remove all XXXX accounts off of each credit bureau ( XXXX ). I would like a written letter in the mail stating these accounts have been removed or i will have no choice but to take legal action due to non-compliance of federal laws under the Fair Debt Collection Practices Act. Navient may be liable for their willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: this is what happened after the first complaint settled BOAI finally got into a modified loan, but I dont know how they came up with the number not including the escrow. On XXXX I fell on the job and was hurt. I have injuries to my XXXX. I knew right after I went to the urgent care I 'd need a lawyer. My company XXXX is not paying me right, they are suppose to pay me 35 hours which I have never had at my hourly wage. ( 66 % ) after getting XXXX payments, they lowered it XXXX more. The day after I had this happen I called XXXX XXXX and told her there is no way I can pay what they told me I was going to have to pay ( house payment ) now it is XXXX plus shorter. i was transferred to another loan person, I want to say her name is XXXX. On XXXX different occasions she told me she mailed out a packet never got until last wednesday. She told me they do XXXX modifications in the first 5 years. I explained I dont get enough money to cover house, car, food, utilities, some bills I have been paying on. My food stamp amt is XXXX waiting for them to fix it. My worst fear is not having a job to go back to, XXXX doctor said with the damage I 'd probably not be able to lift XXXX-XXXX lbs with right hand. I have been applying for other jobs I can do. Then if I get a job do I wait to have surgery later, at this time none of the damages to my body has received any medical care. The papers sent to me I am neither the owner or co owner, I sent in my information as best as I could. I will be mailing this on monday. The amusing or not so amusing issue is my house will be paid off in XXXX. Im not going anywhere, I have to stay in my home 10 years for getting the NC foreclosure loan. My house is not in the best shape, it is not worth the current loan amount. Until my health issues are completed or I get a new job I am between a rock and a hard place. ( in a home or on the street ) Never have I had a financial institution knowing treat their customers this way. Its like they go out of their way to create more stress than we already have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We began the application process back in XXXX but because the company continued to ask for new and additional information it necessitated what they called rate lock extensions, and for each of these rate lock extensions they would add additional fees. These fees were not disclosed to us or discussed with us until the last couple of weeks and therefore it was too late to try to get a loan with another company., ( due to the recent increased rates ), It seems to us an unfair business practice to change the documentation required and then charge additional fees because of the time added due to these requests. This lender knows that if we apply for a loan now the new interest rates are higher than the ones that were available when we began the process so they know they have us between a rock and a hard place so they are unwilling to waive any of these fees.

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 01/18/2018 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: My complaint is against the credit agencies, Experian, XXXX and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 
5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account.

6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account.

8. Proof that you are licensed to collect in my state.

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from 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 explanation
Consumer complaint received 10-07-2015 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (WV).
Issue: Taking out the loan or lease

Complaint: State Farm Bank and XXXX XXXX office failed to verify the identity of an applicant which resulted in a loan being applied for, approved, funded, and reported to my credit bureau. State Farm Bank failed to abide by truth in lending regulations, fair credit reporting act, and the patriot act. State Farm Bank and XXXX XXXX office was NEGLIGENT in failing to follow and committed fraud when they allowed the present applicant to sign that all information was correct and had been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I was living at a location in XXXX VA where I had both XXXX DSL internet and telephone service. I moved from that location on XXXX XXXX, XXXX to a location where XXXX was unable to provide any internet service. When I tried to have the billing stopped, I was told I would have an early cancellation fee of several XXXX dollars but that my contract expired in XXXX XXXX. The CSR advised that I could pay the final month bill ( due in advance for internet ) at the beginning of XXXX XXXX and cancel the service then with no problem. I made that payment online on XXXX XXXX XXXX and spoke with a CSR and confirmed that since they were not able to provide DSL service, that I would no longer be billed. When my bill arrived in XXXX XXXX, it still had charges for the DSL so I again called and complained and stated I refused to pay for a service they could not provide. Again, I was assured it was corrected and that I would not be billed and that I would see an adjustment on my next bill. This same process went on for several months until I finally got so tired of it, I cancelled my phone service with XXXX as well. I paid all outstanding phone charges and sent a letter to XXXX stating that I refused to pay for service they never provided and referenced the monthly calls with CSR about the billing. 

I heard absolutely nothing for literally years, not until I was declined for credit due to outstanding collections in XXXX. Since I had filed a Chapter XXXX bankruptcy in XXXX, I was not aware of anything going to collections and had worked hard to keep all bills paid on time. I received the free credit report based upon credit denial and found the XXXX collection. I then got copies of my other reports and found they were reporting to all XXXX credit reporting bureaus. 

I disputed with all XXXX agencies and explained exactly what happened and why I was not liable for the charges. XXXX verified with all three agencies. I sent a letter to XXXX detailing that I was not liable for the charges and why. In addition, I demanded they mark the account as " disputed by consumer ''. 

I again pulled my credit reports in XXXX XXXX and XXXX was still reporting and was not noted as " disputed by consumer. '' Since then, XXXX has disappeared from my credit reports but now I have " Trident Asset Management ' reporting as a collection agency for XXXX. In XXXX XXXX, I disputed this account with all XXXX of the credit bureaus and again, it was verified and not marked as disputed. After that, I placed letters in the mail to both XXXX and Trident Asset Management concerning this account. To date, neither agency has bothered to reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion 's system had a glitch where they added back all the inquiries that had been removed and they never notified me that these items were being added back to my report. I know that this is a direct FCRA violation. My score rightfully went up after the removal and then went back down when inquiries were re-inserted. I have tried contacting Transunion for 2 days for assistance, but I get hung up on, transferred to dead air, transferred to supervisors I never asked for, or just placed on hold and no one ever coming back. I am trying not to get upset, but it seems that I am unable to get anywhere. Could someone please provide me with a resolution? I would greatly appreciate it. Thanks.

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 07-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A little over a year ago my student loan was taken by Fed Loan Servicing and I filed the paper work for the Student loan Public service payment plan XX/XX/XXXX came time to file again XX/XX/XXXX and I have submitted the same paper work again and forced on forbearance for months while interest accrued, the company said " you did n't submit the correct paperwork, XXXX, pay stubs, etc .... '' can not talk to anyone their because every person has a different answer, I am a single father working in XXXX, working or trying to work towards student loan forgiveness plan. I was making XXXX payments, now have over XXXX in interest payments and still no payment plan in site!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I bank with Citibank. 
On XXXX/XXXX/15 my balance was {$8.00}. 
On XXXX/XXXX/15 Citibank charged a monthly banking service fee of {$12.00}, which made my account overdrawn. 
On XXXX/XXXX/15 Citibank charged me a {$34.00} overdraft fee, because of the Citibank service fee charged to my account overdrawing the account. 

Is this legal? 

Below is the end of my live chat conversation with Citibank? 
Is what they are saying true? 


XXXX : at XXXX, please repeat the stance of Citibank when it comes to Citibank service fees overdrawing an accountNoble : at XXXXXXXXWhenever an account is overdrawn, account will be charged with the Overdraft fee of {$34.00} on the next business day. You can avoid the overdraft fee of {$34.00} by enrolling into our Overdraft protection. 
XXXX : at XXXXXXXXAnd that will also occur when a customer has a positive checking account balance, and then a Citibank service fee is charged that makes the account become overdrawn? 
XXXX : at XXXXXXXXYes, Overdraft fee will also occur when the account is overdrawn due to service fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We signed with XXXX XXXX XXXX XXXX for service in XX/XX/XXXX. Service was unacceptable, we paid what we owned and cancelled in XX/XX/XXXX. We were contacted by a collection Co. ( XXXX ) that we owed {$100.00}, ( date not remembered ). We contested the claim. On XXXX, we received a letter from the XXXX That noted " Current Balance : Not Applicable ''. The letter also stated that the " ... account is closed in our office ''. Not knowing what " Current Balance : Not Applicable '' actually meant, so on XXXX, I phoned, talked to an employee who said that they had contacted XXXX advising we had contested the bill and XXXX XXXX had agreed we did n't owe anything. Stupidly, I failed to ask for this in writing. OnXXXXXX/XX/XXXX ( 3 yrs. later ), We received a letter from another collection company, RPM, that if we would pay {$53.00}, ( 60 % ) they would be willing to close our " out standing balance ''. We contested that so they came back that we owed {$100.00}. What is needed at this juncture to establish that we do not owe this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PINNACLE CREDIT SERVICES # XXXX I found a unverified account on my credit report. I was incarcerated at the time this account was open so it has to been some type of fraud. This is not my account. I have proof that I was in jail during the time this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: OnXX/XX/XXXX I received a written notice of the claimed debt, a copy of which is attached. On XX/XX/XXXX, I sent a letter to Rash Curtis and Associates in response to this notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim is disputed and validation is requested. As of XX/XX/XXXX I have not received any written correspondence from your firm with validation of alleged debt.
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On XX/XX/XXXX, I applied for loan and received a copy of my credit report from XXXX credit reporting agency. Included in that report was the following incorrect information the firm reported : RASH CURTIS & ASSOCIAT XX/XX/XXXX PAST DUE {$2500.00} # XXXX XXXX XXXX XXXX XXXX  BY XXXX XX/XX/XXXX XXXX MEDICAL PAYMENT DATA CREDIT GRANTR CAN NOT LOCATE CONSUMER MEDICAL ACCOUNT IN DISPUTE PAYMENT DATA As a result of this reporting my credit score was damaged and my ability to pursue further loans has been delayed until this reporting has been removed. Reporting this activity with out validating debt per my request within 30 days is a violation of the FDCPA Section 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company named Procollect contacted me about an electric bill to XXXX XXXX back in 2009. Not only was I not living in the state in 2009, I contacted XXXX XXXX and they have no record of me doing business with them in their system. This sounds like a fradulent debt to me. The debt even was placed on my credit report. I disputed the charges and the credit company promptly removed the charges from 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 explanation
Consumer complaint received 07/15/2017 about Debt collection (I do not know) with MarkOne Holdings, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is trying to collect {$12000.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: letter from EQUIFAX shows that XXXX acct # XXXX and XXXX account # XXXX were deleted from the credit file on or before XX/XX/2015.the letter is attached here. 
both accounts have reappeared on the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Please review the following documents. This is payment history for the life of my ( XXXX ) private loan. I have ( XXXX ) total with Navient all with similar indiscretions. This is just an example of XXXX. I can send you all documents of all my loans if you need further review. With all the lines where I was charge capital interest, this pertains to times of financial hardship where I was advised my only option was to opt for the forebearance. I was never given any other options until recently, they offered that I could apply for income based rates. I also had delayed payment processing multiple times in which resulted in overdraft fees with my bank and late payment penalties. Ontop of all of this, everytime I call customer service I get a different explanation on issues that would arise. Yesturday I was informed by customer service that they only had access to records back dated to 2015. Anything before that they couldnt help me with.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Struggling to pay mortgage

Complaint: HFC LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX HFC claims they completed an interior valuation on XX/XX/2017. We requested a copy of it per the ECOA Valuations Rule. HFC is refusing to provide a copy of their valuation. This is a violation of the ECOA Valuations Rule. See highlighted sections of the attached ECOA Valuations Rule. HFC claims they are above the law and the CFPB can not do anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: I received no notification from Carrington Mortgage Services notifying me of the XXXX XXXX, 2017 foreclosure sale date. The first notification I received was a letter from the attorney on XXXX XXXX, 2017 stating there was a scheduled sale on XXXX XXXX, 2017. This did not allow me to submit my modification package prior to the 37 days before scheduled sale date deadline. I spoke to a supervisor " XXXX '' ( ext XXXX ) who claimed that Carrington Mortgage Service did not have to mail any notifications or letters to me because they attempted to call me. I informed him that is not correct and everything is done by written correspondence as I do not know if they were calling the wrong number. As far as I knew I was still in review for a loan modification and was never made aware or saw anything in the mail from Carrington. " XXXX '' ( ext XXXX ) reiterated again they did n't have to mail letters and phone calls were enough and that most borrowers want to be called and not have letters. This is a violation of XXXX XXXX servicing guidelines and against the CFPB servicing guidelines for loan modifications.

Company response to consumer: Closed with explanation