milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: NAVIENT placed my student loans in " excessive debt forbearance '' without my request and without notification. They have agreed to update my account and put me back into the approved payment plan, but are refusing to update my credit report. I did not request a forbearance and received no notification via mail or email. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I never received any notification from XXXX XXXX XXXX about this debt. This debt keeps getting sold from one collection agency to another. I have disputed this debt with the three bureaus and had it removed for failure to validate because there is no contract for this debt. However, each time they sell it to another collection agency it is yet again reported to the bureaus. If there was no validation of this debt with the previous collection agency, there still isnt any with the current and it needs to be removed from all three bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a XXXX year old XXXX who lives alone. I have XXXX debt and an XXXX credit score. For almost XXXX years I have been receiving countless robo calls from TransWorld Systems , Inc . It identifies itself as a debt collection company and that the purpose of the call is to attempt to collect a debt. My telephone caller ID always shows the company name as " unavailable ''. I never answer these calls. I also have never received anything in writing about any alleged debt. When I google this company, I see many other complaints about its tactics and ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Payday loan, title loan, or personal loan (Installment loan) with WLCC (OH).
Issue: Charged fees or interest you didn't expect

Complaint: After taking out the loan with XXXX XXXX at the end of XX/XX/XXXX, I made the first payment on XXXX.17 Noticing none of my payment went to the principal, I called to ask why as there was nothing in the loan agreement that stated they could arbitrarily assigned payments as they saw fit. 
I was told it was not in the agreement but on the website. However I could only pull up that page when I applied, so I could not see it again. 
I told them this was a deceptive practice and they basically stated too bad. 
So I looked into them a bit. 
I found out not only are they not licensed in my state, the interest charges are not legal in my state as well. 
They were hesitant to revoke my ACH authorization until I threatened to call the Ohio Attorney General 's office, as the ACH act is Federal Law. 

I offered to pay back what was left of the principal ( XXXX minus the payment made on XX/XX/XXXX of  {$110.00} ) of XXXX and they said they would only accept payment now equaling XXXX. 

Which is still in excess of Ohio 's interest limits. 
They have now locked me out of their system online so I can not see my account or documents. 
If I end up at a collection agency for this I will certainly take them to court. 
They claim they are a Tribal entity and laws do not apply to them. However, they could not tell me one XXXX XXXX who worked there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Struggling to pay mortgage

Complaint: they deninded a modification and state it was due to title issue however again the county and everything is showing only myself on title which was done back in XX/XX/2016 when the modification was in process. I am not understanding how when everyone/everything shows only myself on title how you can denine the modification. they did not answer this question

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 08/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I see that there are XXXX hard inquiries on my credit that took place on XXXX XXXX, 2015. XXXX is from XXXX and the other is from XXXX XXXX. To the best of my knowledge, I did not apply for any credit nor do I have any reason why there would be such inquiries on my account. Can you please find out why these XXXX companies were checking my credit please? 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I XXXX XXXX believes that the Fair Debt Collection Practices Act is being violated with a collection on a public utility debt that has not been proved with true copy originality submitted to me. Secondly, public utilities have no right to post collections on any of the pertinent credit bureaus. This collection is not only a violation of the FDCPA but of the Fair Credit Reporting Act as well. The collection must be erased from my credit profile immediately, and if this collection is valid, a complete attachment of documents must be submitted along with the transfer of either ownership or power of attorney to collect the debt if indeed it is valid. Therefore, this account must be deleted immediately and permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I made a principal reduction payment in the amount of {$200000.00} to my mortgage being serviced by PHH. An initial letter received from PHH indicated that my new monthly payment would adjust to the lower amount with the XX/XX/XXXX payment. However, on a bout XX/XX/XXXX a representative from PHH stated orally by telephone that my monthly payment would be adjusted to the lower amount for XX/XX/XXXX if my principal reduction payment was received before XX/XX/XXXX. It is outrageous that PHH is allowed to hold my funds for 75 days before affecting my monthly payments and overcharging related interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit card () with CITIBANK, N.A. (CO).
Issue: Billing statement

Complaint: Macys is charging me {$2.00} per month on account with a zero balance. Violates undue enrichment laws. Attempts to rectify or even get a response other than " oh sorry, you should call us '' and zero responses to emails. Have joined class action process at XXXX Macys is also reporting this paid off account on all credit reporting sites as " delinquent '', negatively affecting my credit scores.

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 12/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo has been allowing my checking account to be debited {$9.00} per month for approximately ten years and this was unauthorized. I am concerned they are involved in a fraud.

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 12-12-2017 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (CA).
Issue: Trouble during payment process

Complaint: In XXXX XXXX a vehicle traveling at a high rate of speed lost control and crashed into my families primary residence causing catastrophic damaged. We have been going back and forth with out insurance company on the actual scope of repairs which is a complain of its own but not the one I 'm trying to currently address, my issue lies with my Mortgage company, Franklin American Mortgage XXXX XXXX. Upon receiving a partial payment from the insurance company, I sent in the check in total ( {$78000.00} ) to my mortage company to be put into escrow as was requested by both my insurance and mortgage company which was deposited by them into escrow on XXXX/XXXX/XXXX. Here is where my problem arose, the initial payment made by the insurance company was only a fraction of what I was quoted by 10 different independent contractors which were anywhere between XXXX at the lowest to XXXX at the highest to repair my home. Looking at all my options and getting rejected by every single contractor to take this job on for the amount provided by my insurance company to repair my home I realized I had no other option but to repair my home as a owner builder as permitted by both my county, city and California " business and professions code 7044 ''. Having years of building, plumbing and electrical experience behind my belt made this the only logical decision for my family and I, it is not something I wanted to do but unfortunately its only option and my only way to insure that my family gets back home. 

-On XXXX/XXXX/XXXX I submitted my XXXX followed by a Letter of request on XXXX/XXXX/XXXX as was requested by XXXX a subsidiary of Franklin American Mortgage to disperse the insurance funds for the repairs to me to start the repairs -I never received any phone calls back but when I called back again 2 weeks later they told me my request has been denied and for my to hire a contractor to start receiving the funds, I explained my situation and again was shut down XXXX I submitted a insurance adjusters worksheet again this was n't enough and they declined to release any partial payments to start the repairs XXXX I submitted a new letter of request siting the California " owner builder law and section code '', my engineers floor plans/blue prints, as well as my already approved City permits from XXXX XXXX XXXX XXXX repair my house as a Owner/Builder again i was strung on for weeks just to be denied without any just cause or them being to provide me with any legal documents entitling them to deny my requests. 

As of today it has been over 3 months of me loosing precious time to be able to get my family back home and I am truly believe that both Franklin American Mortgage XXXX and insuranceclaimcheck are both acting and Bad faith of the LAW and unlawfully withholding money needed to begin the repairs. 

Franklin American Mortgage XXXX XXXX Insuranceclaimcheck.com

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Attached are screen shots of my XXXX XXXX online bill pay from when the mod period started and a copy of the BofA check. I had to pay {$16000.00} before the XXXX of each month. XXXX was paid on time in XXXX, XXXX and XXXX XXXX XXXX paid in XXXX, XXXX and XXXX by the XXXX of the month - so on time. The amount was slightly adjusted in XXXX 2016 to {$16000.00}. 
XXXX 's positon is that they bought the loan during the modification trial and I was technically still late on my payments as the trial was not completed and new loan docs were not yet issued by them and signed by me. If I 'm late, even if still in a still period, they say they need to report it. As a Fay policy they wait 60 days before reporting lates and this would have brought me to about XXXX XXXX ( the loan was bought on/about XXXX XXXX. When my 3 month mod trial was completed at XX/XX/XXXX, they took SEVEN weeks to get me the docs and I signed them right away XX/XX/XXXX. If they rolled me into a new loan in XXXX, as agreed to, they would not have reported me late because the new loan was in place and I was still within their 60 day window before reporting lates on newly acquired loans. When I told XXXX XXXX at Fay Servicing that their 7 week delay caused this, he just said " getting loan docs out takes time ... '' I did everything I was supposed to and am being penalized heavily due to their inadequate processes.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient claims that they had called me several times. After calling my parents who gave them the correct number to call they then began to call anyone who seemed to be related to me. Then today after I 've told them before not to call me at work, they did. I can get fired for handling personal calls at work. The man I spoke to was rude and threading. While the company is opened until XXXX they told me I had only until XXXX to speak to him. After multiple times of repeating myself, I 'm now reporting them because I 'm sure they are doing this to others as well. My other problem is that this man says his name and then straight up asks for my social security number. With this day in age, how do I know who they are. I 'm not going to assume that they are who they say they are just because. Navient has also threatened action on my father. On multiple occasions I 've tried to work with them but they are nothing but awful and mean.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received medical services that resulted in a hospital bill and physician bill. I was told by my insurance company at the time that I only owed the deductible and co-insurance, which I paid. 
XXXX XXXX XXXX XXXX Number : XXXX Member ID Number : XXXX XXXX described my benefits and how much I owed for the services. They covered 90 % of the bill & 10 % was my responsibility. They told me that I owed my deductible and co-insurance payment which totaled {$230.00}. Please see the attached paperwork confirming that I paid what my insurance company said I owed. 
Furthermore, my insurance company claims that they never received a bill for these services and required an itemized bill in order to make payment. Despite my efforts, it seems that this never happened, and I do not feel that I should suffer for something that was not my responsibility. 
These services were covered under my insurance and were n't my responsibility. I request that this account be deleted and removed from credit. I have done everything in my power to reconcile the charges that I was responsible for and do not intend paying charges that are not rightfully mine.

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 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans union is reporting unpaid medical bills for which were paid via NC XXXX!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Settlement process and costs

Complaint: Had a bathtub flood at home. Insurance paid out XXXX but held by RCS until they could approve/prove work done. THEIR CONTRACTED INSPECTORS HAVE NEVER CALLED TO SET UP CHECK OF WORK! ca n't continue/finish work until they do without losing my insurance payout.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Fraud or scam

Complaint: I was convinced to transfer money to someone in return for products but have not heard from this person since. I believe it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Struggling to pay mortgage

Complaint: first after I tried to refi with them the  set 1 paym ent schedule then they tried to withdraw that. as I am struggling to make payments they keep changing the amount due from what they originally said for my fixed rate. over the years they have filed foreclosure and forced me to file bankruptcy 4 times. every other month now since  XXXX    XXXX   they send foreclosure papers out 45 days after a due date and a payment has been made even though it was more than what was set from the last refi. I made the requested payment every month even though it was more than what was set. they are the worst management company. they have service reps in  XXXX  that do not know what is goin g on in the US for days later.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent a certified letter demanding the following accounts be verified or removed immediately. I received no response from Equifax. But I sent this request certified mail and it was received by them. I have waited the time allowed for a response. I now demand that the following accounts be deleted and removed from my Equifax credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with APEX Asset Management, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: DEBT COLLECTOR : APEX ASSET MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX AMOUNT : {$290.00} XX/XX/XXXX I FILED A DISPUTE FOR THIS DEBT. I EXPLAINED TO THE DEBT COLLECTOR THAT THIS WAS NOT MY ACCOUNT AND I DID NOT OWE THIS DEBT. I SENT A LETTER ALERTING THE DEBT COLLECTOR THAT TO PRODUCE DOCUMENTATION THAT STATES THIS DEBT IS MY DEBT. I CALLED TO FIND OUT THE STATUS OF THIS ACCOUNT SINCE I FAXED THE DEBT COLLECTOR PROOF THAT I DID NOT OWE THIS ACCOUNT. AFTER SPEAKING TO THE DEBT COLLECTOR I WAS INFORMED THAT THE DEBT WAS FOR XXXX XXXX XXXX. I HAD A XXXX XXXX ACCOUNT FROM XX/XX/XXXX-XX/XX/XXXX. I SENT IN PROOF THAT I HAD MOVED IN XX/XX/XXXX TO A LOCATION AN HOUR AWAY FROM THAT SERVICE ADDRESS, WITH A COPY OF MY LEASE FOR MY CURRENT ADDRESS DATED XX/XX/XXXX, AND PROOF OF NEW CABLE SERVICE THAT WAS INSTALLED AT MY NEW RESIDENCE ON XX/XX/XXXX. I CALLED XXXX XXXX XXXX TO NOTIFY THEM THAT I WAS MOVING ON XX/XX/XXXX AND ASKED THEM TO STOP SERVICE AND THEY SAID THEY WOULD AND THAT THEY WILL PICK UP THEIR EQUIPMENT. I DID NOT HEAR FROM THIS CABLE COMPANY AGAIN. I PROVIDED DOCUMENTATION TO THIS DEBT COLLECTOR THAT PROVED I LIVED AT MY CURRENT RESIDENT SINCE XX/XX/XXXX AND HAD XXXX XXXX XXXX XXXX. THE DEBT COLLECTOR STATED THAT XXXX XXXX XXXX HAS MY ACCOUNT WITH THEM CLOSED ON XX/XX/XXXX. I INFORMED THE DEBT COLLECTOR I DID NOT USE XXXX XXXX XXXX SERVICE AFTER XX/XX/XXXX AND THAT THE AMOUNT THEY ARE ATTEMPTING TO COLLECT IS NOT MINE. XXXX XXXX XXXX COULD NOT FURNISH PROOF THAT I WAS LIVING AND USING THEIR SERVICES AFTER XX/XX/XXXX AND THE DEBT COLLECTOR SAID THEY WILL CONTINUE TO ATTEMPT TO COLLECT THIS DEBT, EVEN THOUGH I SENT VALID PROOF THAT I COULD NOT HAVE BEEN USING XXXX XXXX XXXX WITH DATES. THIS IS UNFAIR TO ME BECAUSE I SQUARED OFF MY ACCOUNT WITH XXXX XXXX XXXX SINCE XX/XX/XXXX. THEY SHOULD NOT HAVE CONTINUE SERVICE AT MY PREVIOUS ADDRESS AND THEN HOLD ME ACCOUNTABLE FOR THIS BALANCE. THIS IS RUINING MY CREDIT AND IS SIMPLY JUST UNFAIR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Without notice, justification, cause, or documentation despite requests USAA has removed my online access to my auto loan. I am unable to view or pay my loan as everything is done online and I am no longer able to access my account. I was told I should regain access, then told I would not be given access to my account online. This is a problem, as I have not received paper statements for a while.Thus I do not know where or when I send in my payment. I am unable to view payment history, or anything to do with the account. I have not so much as received a single phone call regarding my auto loan from USAA. I have called to inquire about this and have just been told someone would be in touch. It 's well over a month now that I Have not had access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (MO).
Issue: Payment to acct not credited

Complaint: on XXXX XXXX 2015 I paid my delinquent loan in full at XXXX in the morning. Later friday checksmart present my check to the bank and my account was debited another XXXX. I noticed this on Saturday and i told them about it. I bought them proof that my account had paid the check and I also had paid the full amount that day.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I repeatedly asked for verification of this debt to prove that it was indeed mine. I have net received any proof that this is my debt. All that is sent to me is a previous bill that was issued. Once a fraudulent account is open of course there will be a bill generated that dies not provide verification that the debt is valid. Please delete from all credit reporting agencies at once and stop violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a fraud alert and freeze on XXXX credit reports. I will like to know if Experian is giving my personal information and using inquiries for bank and product servicest to a third party without my consent to fraud.

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