milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I graduated XXXX XXXX in XX/XX/XXXX, before the public service loan forgiveness program existed. When the program was created, I contacted XXXX XXXX by phone and asked about whether I would qualify for the loan forgiveness program. I was told yes. A few years later, when I was having a hard time making payments on a public service salary I again contacted them to try and problem solve my situation and was again told I would qualify for public service loan forgiveness. Neither time was I told I needed to refinance through the XXXX XXXX XXXX XXXX in order to qualify for public service loan forgiveness. In late XX/XX/XXXX I found out through a company that charges to assist with consolidation that I would need to refinance in order to qualify for public service student loan forgiveness. I confirmed through my own internet research that was true, and consolidated with the XXXX XXXX XXXX in late XX/XX/XXXX. After I consolidated I learned that none of my per-consolidation public service could count towards my forgiveness timeline. I have had the same public service job since XX/XX/XXXX. Because I could not afford to make my loan payments and cover a XXXX co-pay, car repairs, or my divorce, I had to put loans in forbearance during the time XXXX XXXX was my loan servicer. My loan debt has gone up {$30000.00} in the time I have been paying on it because at this time my income based repayment does n't even cover the monthly interest amount. If I had received the correct information about the qualifying requirements for the public service loan forgiveness program I would have refinanced back inXX/XX/XXXX. I could have several more years towards my public service forgiveness. The frustration I have felt through this process can not be expressed in words, or if it can, it is beyond my ability. I have had to use credit cards and loans to cover financial gaps because my loan debt is such a burden, and then to discover that I can not get credit even for the years of public service I have already worked was horrible news. I took the steps I believed I needed to in order to verify my qualifications for the public service loan forgiveness program, and was assured I qualified. Then I found out I did not, and there was nothing to do but refinance and start my service clock from that date. If there is anyway I can provide information for the lawsuit, please let me know. As to the dates and times of my phone calls with XXXX XXXX staff, that would have to be subpoeaned because it was so long ago I do not have records.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: When I originally received a loan modification about 5 years ago they told me it was a 30 year fixed step loan that would eventually cap off at 5 %. They are now telling me it is an interest only loan and that it will amoratize in 2019 and the payment will increase by about {$500.00}. The documentation attached clearly states that the loan type is a fixed rate and it also states that the payment amount is principal AND interest, not interest only. 
My modification was not thru HAMP but was one of GMAC 's in house modification products. The loan has since been acquired by Ocwen and I have tried to modify several times, as I want a fixed rate loan that is not going to amoratize. Ocwen has turned me down because I either make too much ( not taking into consideration my amount of debt ) or that I make too little due to my debt to income.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been a XXXX resident since 2006. As a result of a mortgage interest statement, the state of XXXX determined that I must have earned XXXX. revenue. My accountant and I responded and the state determined that no other action was required. However, a lien was already placed on me and I can not get it removed. Included is all of my documentation. I have divorce documents showing ex wife 's ownership of home in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with MJ Altman Companies, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, I sent a letter to MJ Altman Companies to validate a debt they claim I owe. I have never had an account with them, so I asked for the original business transaction per section 609 ( e ) in the  Fair Credit Reporting Act. 

They decided to send me a statement that I could have written up myself on XXXX XXXX, showing what is supposed to be some type of statement. 

They did not provide me with any document which shows proof that the debt belongs to me, which is theirs to prove. 

Not only that, they are attempting to collect a debt that is outside of my statute of limitation, per Chapter 95, Section 11 ( b ) of the Florida Statute of Limitations which specifically states that there is a 5 year limitation of any legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23. 

this company has violated their legal obligation under the Fair Credit Reporting act, as well as the Florida Statute of Limitation and they should be held accountable for this violation. 

I am well within my rights to pursue legal action against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Payday loan () with BlueChip Financial (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed the money my financial situation had changed. I made payments, than missed payments now the intetest charges are outrageous. I would like to pay back the loan minus all the interest charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Simon’s Agency, Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A few weeks ago I got a credit report alert stating that a negative item was reported on my credit report. After I log in to check it out I found out that a collection agency name XXXX agency on behalf of XXXX and XXXX was reporting information to the XXXX credit bureau without validation of the alleged debt. I called the agency and spoke to the first rep and I informed him that why was negative item being reported to the credit bureau and this allege debt is not validated and I requested that the debt be validated. He refuse to hear what I have to say and I requested to speak to a supervisor and one came on the phone with the same attitude stating that they requested a bill from the original creditor and as soon as they get it they will forward it to me. I told them that this is not satisfactory because the alleged debt should have been verified before they put a negative mark on my credit report. Up to this date I have never received any correspondence from XXXX agency or XXXX and XXXX who they are supposed to be represented. I have never received any validation on this allege debt. Reporting negative information to the credit bureau without validation is a violation of both federal and state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX I suspended my XXXX XXXX account due to an XXXX XXXX in XXXX XXXX ( Military ). Which I have XXXX XXXX XXXX XXXX.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by 1 digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a settlement offer for a debt XX/XX/XXXX and replied with a written validity request/dispute on XX/XX/XXXX. As of XX/XX/XXXX I learned the debt was sold following my dispute, failing to provide me information within the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: APR or interest rate

Complaint: I was making month to month payments with care credit, my last payment was about to be made for close to {$400.00} then i realized that all the deferred interested had carried over, now making my balance close to {$1000.00}. Had I know this information, I would have not signed up for them. I assumed that if the balance was n't paid in full that I would owe the interest on just the balance and not the entire amount. This is very defective and complete theft! XX/XX/2016 INTEREST CHARGE ON PURCHASES Date Posted:XX/XX/2016 {$690.00}

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 07/24/2017 about Debt collection (Private student loan debt) with Williams & Fudge, Inc (NJ).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Was offered a settlement by debt collector of {$1900.00} in    XXXX   of 2017. W as unable to settle said debt at the time. Contacted the debt collector personally offering a settlement of {$1000.00} 4 months after their offer. Came to this number after making {$920.00} in payments over 4 months ( {$230.00} in auto debit s ). Debt co llector proceeded to tell me they had to get approval from accou nt holder (   XXXX  University  ) since they o wned account. Debt collector responded that the offered was turned down by account hold er (   XXXX  Universit y ).  I then contacted the school personally and spoke to  XXXX   XXXX . She then instructed me the school would be willing to work out some settlement but the debt  collector   ( Williams and Fudge ) st ated they would not take a settlement due to the comission rate. Then contacte d Williams and Fudge directly ag ain and they said that this was false and that they would not say that.  XXXX   XXXX   ( representative from Williams and Fudge ) s tated that I would not be able to renegotiate my monthly payment amount of {$230.00} per month to {$50.00} per month due to economic hardship since it is not an adequate amount for my debt.     Direct line for me is  XXXX   XXXX   XXXX  ( cell  ) direct office lin e during business hours is  XXXX   XXXX   XXXX  ( offic e line ) Contact in fo for  XXXX   XXXX  is  XXXX  (  XXXX   XXXX   XXXX   Contact info f or  XXXX   XXXX  is  XXXX   XXXX   XXXX  ext  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit report shows that co-guarantor on a loan from XXXX. This shows up on my credit report as a student loan. I reported this as an error through XXXX XXXX and the response back from XXXX was " It looks like this item is actually correct and that it 's going to stay on your credit report ''. I have not co-signed or guaranteed any student loan from XXXX and have requested a copy of the fully executed loan agreement with XXXX that bears my signature. This documentation has not been provided back to me because it does not exist. I demand that this be removed from my credit report! Please help.

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 10/17/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: They are continuously reporting me delinquent and pass due to credit reporting agencies saying that I am 30 days delinquent when I have made a payment every month since XXXX XXXX, 2015. XXXX 2015 I starting a Loan Modification trial. I completed 3 successful payments for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX On XX/XX/XXXX, my loan was modified and I made my first payment XX/XX/XXXX for XX/XX/XXXX payment. I paid XX/XX/XXXX payment of XX/XX/XXXX and have made every payment since then. With an IDPROTECT representative on the line with me ; XXXX XXXX XXXX, at XXXX, said my XXXX XXXX and XXXX XXXX Payments got " wrapped up in the loan modification '' and were not applied to XX/XX/XXXX or XX/XX/XXXX even though I signed the loan modification papers in XX/XX/XXXX and the Loan modification was official XX/XX/XXXX. This is why they are showing me past due in error. We are in need of a new car and this error is seriously affecting my credit score and my ability to obtain credit and other financial services. We have been battling this inaccuracy since XX/XX/XXXX when we started receiving collection calls that we were past due and I kept telling them we are not and provided proof. All the representatives that I have spoken with, Including XXXX XXXX today, have agreed I have paid all my payments on time and that there is an error in their system. Yet, it still does n't get fixed and I am being punished and damaged with bad credit reporting. I feel I am left with no choice but to seek legal action and sue for damages to recover my losses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been disputing several accounts with Equifax for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Equifax is violating my rights under this law. I sent out two separate letters to Equifax and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Collection account : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (TX).
Issue: Taking out the loan or lease

Complaint: Fraudulent account. Part of attached identity theft official report. Account removed from XXXX but put back on. Amount owed regularly changes from XXXX to XXXX, from open to closed and the account number continues to change. They 've done this on all XXXX reports. This was a fraudulent account and per the FACT aclt, itl clantl be put back on my credit reports once it is removed. Furthermore, they continue to report information while investigations are in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a senior citizen from XXXX. I got a student loan at the XXXX University XXXX in XXXX XXXXXXXX My only income is Social Security. I had been asking for forgiveness for the loan. For the last years, I had XXXX XXXX a wife with XXXX and no jobs available in XXXX. The U.S Department of Education prequalified me for forgiveness. And told me some papers were in the mail to be sent to them. But Navient the loan server asked me to start paying $ XXXX month. Then they placed me on the credit bureau, but I challenged them and it was deleted. 
The loan was for {$38000.00} approx. Navient says now that is {$58000.00} principal. And they had added about {$70000.00} in interest only. With my Social Security there is no way I could pay this amount until my death. My wife and I are married under a legal prenuptial agreement. We have separate accounts. I do not own any assets such as real-estate. 
Recently I lost a home which was given to me by my parent 's will. The bank made a foreclosure. Our home belongs to my wife, she got it before our marriage. It is my understanding that the feds. could not garnish Social Security deposits. 
Please help to find and honorable forgiveness, I got a XXXX XXXX and a XXXX was placed in my XXXX. I worked years ago with the XXXX but did not accrue retirement benefits. 
Please have mercy on my situation. XXXX Bless You? 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Non-federal student loan) with Texas Guaranteed (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: While I was paying on a credit recovery plan on my Texas Guaranteed loans through XXXX I was under the impression that once I finish that plan that I was going to continue making payments to XXXX to finish paying off my loans. However once I finished with the plan they transferred it back to TG without my knowledge. I had to actually call TG to find out what had happened to my loans with them. Had I been informed that would have happened in the first place then I would n't have had issues paying TG right away. This switch also happened right when we moved from one state to another so it took some time to get it straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We are behind on our mortgage payments and are working with a lawyer. SLS ( Specialized Loan Servicing ) keeps calling my XXXX year old mother and is upsetting her. They ask her for my phone number and keep calling her

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 02-10-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am having an issue with challenging incorrect information on my credit reports. There is Public Record Information tat is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law so as my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Payday loan debt) with Coastal Financial Solutions, LLC (TN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This is dictation from my phone. This man immediately called and asked for my supervisor, and after I denied him he became abusive in language. I asked the man to prove to me that I owe this debt with a letter in the mail. He said ok then started threatening me with legal action. ... ... .Hi  XXXX   XXXX  this is  XXXX  . _______ gav e him up with you here maybe a few minutes ago in regards to case number  XXXX  again  XXXX   I contacted yo u on behalf  of CFS in  regards to this matter um before you decided to disconne ct _ call um I was tryi ng to make you aware of it to let you know that it does require your immediate attention I 'm at this time ________ you have _ within  48  hours to contact __ office or you can ha ve a 10 _____ the attorney that you stated that you have you can have him contact ____ office on your behalf before we ___ forced to make a final decision which may result in a civil suit bein g filed under your name and Social Security number  ____ ___ ______   __   XXXX  I 'm at this time you have within 24 hours to comply I can be reached at  XXXX   one _______  reference  XXXX  so we will be sending you over ___ correspondence that you need __ to your payroll  ___ resources  department ___ it 's going to come from my administrative assistant

Company response to consumer: Closed with explanation