milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with National Arbitration Forum (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A company called the " XXXX '' ( XXXX ) called myself AND my brother and said that I was due in court in two days and that they were coming with a sheriff to serve me papers at either my home or place of employment and that my employer would need to sign as a witness of me being served and arrested! I also had to sign for them and then I was being arrested unless I paid a debt in full. Same company has called me in the past leaving my social security number in a voicemail and telling me that leaving the message was my formal notification and have ID available when I am served and arrested! I have no idea what this debt is and in the few attempts I 've made to discover info about this " debt '' no one can ever give me ANYTHING! Just says what county and state it 's from and that it 's attached to my social security number and current phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (I do not know) with Focus Holding Company (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: called left message even though I answered. Stated it was a debt collection and I must call them back. No one at our number has any unpaid debts!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX XXXX I consolidated XXXX of my federal student loans. The interest rate was fixed, and I had {$20000.00} in outstanding principal. I have always made my payments in full and on time, and have even made some payments ahead of time so I am now paid in advance by 5 months. 
In XXXX XXXX I received a letter in the mail saying the loan servicer updated my payment schedule. My monthly payments went from {$130.00} to {$160.00}. It did n't make sense to me that I would need to pay an extra {$24.00} each month if my interest rate was fixed and I 've never missed a payment. I called the loan servicer to find out why the change, and they indicated that a recent review of my account showed that the amount I was paying each month would n't be enough to pay off my loan by the payoff date. After hearing this I essentially asked them, " you acquired the loan in XXXX, and it is just now being reviewed? '' and they said yes. I feel like I 've been taken advantage of, the loan servicer did not do their due diligence in managing my loan, that they did not act responsibly in handling my loan at the time it was acquired, and my trust in them has been broken.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a account a medical bill on my credit report that services was giving to and they have me as responsible for someone that I dont even know .. This account does not belong to me and I dont know who the other person that the services was giving to but I need this removed from my credit report cause this account does not belong to me and I am not held responsible

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 09/30/2015 about Mortgage (Conventional fixed mortgage) with Fairway Independent Mortgage Corporation (ID).
Issue: Loan servicing, payments, escrow account

Complaint: During my first initial talks with Fairway Mortgage ( XXXX, ID office - XXXX ) I explicitly asked how twice monthly payments would be applied. I was they would be applied once received less a few days for processing. I even went-on to press the point, given that my mother 's mortgage will take her payments whenever, but they wo n't be applied until they are due. Thus, sending twice monthly payments does nothing ; the loan servicer has her money, they continue to charge her interest, and her payments do n't reduce her mortgage until they are due. I cited this exact example and he said no, that is not the case. He even went-on to voice confusion and concern for my mother 's mortgage ; I explained that it 's about 15 years old and maybe that has something to do with it. This was a point for me, as we make twice monthly payments in-order to shorten the life of our loan ; this mortgage is my only debt, I purchased a 15 year mortgage ; I want to be done with it ASAP. 

My loan was then sold to XXXX. 

After many requests by XXXX, I have received a full amortization schedule ( they had been providing me summary information ). Details of my payments show that my payments, just like my mother 's, have been received and cashed as received ( twice monthly ) but once again have not been applied to my loan until due ( or until both payments have been received ). I voiced my concern that this was not what was sold to me, this will add hundreds in interest, and many months to our loan. At this point, they directed me back to Fairway. 

After contacting Fairway ( XXXX is no longer employed there so I spoke with his manager, XXXX ) I was told that it is up to XXXX how to apply the payments and they do n't have any control over that. I pressed the point that I signed a form, along with the numerous other mortgage forms, OK'ing Fairway to sell my mortgage ( which they did to XXXX ) only if the terms and the loan does n't change. Although my interest APR did n't change, the way in-which it was applied did. Which equates to a change. Fairway disagrees. When asked who to contact, Fairway directed me to their corporate office and made no mention of CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In filing my most recent employment certification form for qualification towards the Public Service Loan forgiveness program, I had my form denied due to the fact that I did not have an employment end date ( I am still employed, and that box was checked ) ; and it was stated that my employer did not date the form. However, upon review of the form, both sections were filled out appropriately. I called Fed Loans to discuss, and the agent informed me that it appeared the form had been altered for the DATE SIGNED. The agent said the " 8 '' look like it was changed from a " 6 ''. I have filled this form out for almost 7 years and have never had an issue. In speaking with a representative higher up, he told me they never should have denied my form. I ended up having to submit another form, however, am awaiting approval. 

This is just one of many complaints I have had with XXXX, including extensive wait times and forced forbearance on loans during re-certification periods or change in payment amount verification ( as occurred in XX/XX/2014 ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hi, I received a letter in the mail with a check from Wells Fargo, that relates to the ADMINISTRATIVE PROCEEDING File No. XXXX. I am not satisfied with this settlement as Wells Fargo damaged my credit score, charged me Incorrect late fees, and incorrectly calculated my loan payments. All of this created suffering for me and my family. Why is this money not being charged on interest that they stole from me? Why am I not getting payments for damages caused to my credit report that could have affected me getting another line of credit or lower interest rates? Please let me know who I can contact about filing a lawsuit for this. Why was Wells Fargo let off so easy?

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 08-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My loan start year was XX/XX/XXXX-XX/XX/XXXX I attended at that time a school/ college call " XXXX '' college and was enrolled under a Programe called " XXXX '' which is a XXXX XXXX XXXX XXXX. After completing the course and going out into the field more than 99 % of the places I apply to had no idea what a XXXX XXXX XXXX was I would not fire me. The school has also changed names over four times and has ruined and degraded the legitimacy of the certification. NAVIENT will not excuse the loan even though I have not been able to get a job once since then. Also the school had been completely misleading and manipulative about how likely a student who graduates would be able to get a job every percentage and every guarantee they gave they did not follow through on. I would like my private loan and federal loan to be dismissed because I was taken advantage of by what is now called XXXX college and XXXX XXXX which is now called Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am a current subscriber with XXXX and have been for close to three years. In XXXX a collections account appeared on my report that was originated by XXXX XXXX ( XXXX ). I used the information from the to reach out to the creditor with the phone number listed in my file. After series of call attempts and transfers I was connected to the location that handles my account. After validation of debt I began to payoff the account. As of XX/XX/2016, this collection account was paid in full with a credit balance of {$1.00}. 
After payment was satisfied I had to dispute the account status to have it updated to show satisfied and closed with XXXX and XXXX as account was listed closed on Equifax. XXXX investigated and listed the account satisfied and closed. XXXX investigated and listed the account satisfied and closed. Then from my most recent XXXX report Equifax has the account listed as open with XXXX balance. I tried to submit a dispute along with getting a letter of satisfaction from the collections agency and when I called I was told that the account was being disputed and routed to another area that uses a voicemail to leave your response or inquiry. I tried to initiate a dispute with Equifax online only to receive an error that they were unable to verify me online and to contact by submitting a fax our mailing the office. This has become quite the Catch22 and does not support FCRA in many dimensions. 
I have worked diligently on my part as a consumer to be accountable for my past actions and information is not being updated as required by law from both the Collection Agency ( XXXX/XXXX XXXX ) as well as Equifax.

Company response to consumer: Closed
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I contacted XXXX with XXXX XXXX XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/XXXX I contacted the XXXX in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX XXXX XXXXXXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my XXXX report and also listed on my Husbands XXXX, XXXX, Experian report, which he has made several attempts to solve this issue with them also. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/XXXX I contacted the National Legal Aid for assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been contacted repeatedly by Portfolio Recovery Associates in regards to account XXXX, this account is over 7 years old, and should no longer be on my credit report. They have illegally re-aged this account to make it appear newer. When I wrote to them asking for validation, I did not receive a response. They call me from different numbers numerous times a day, and will not stop. I am attempting to get my finances organized, and their attempts to collect a debt past the statute of limitations, and their illegal re-aging of the account are preventing this from happening, and I do not feel this is fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is another bogus attempt by Convergent Outsourcing to collect a bogus XXXX debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Medical debt) with ALCHRO INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/XXXX- Called the XXXX Doctors office in XXXX to request information of debt and they could not locate the amount owe. Promised to call back with information but never did. 
XX/XX/XXXX - Called XXXX again and this time the operator asked me to leave a voicemail to the financial department since she could not locate the amount I owe. I attempted to make the payment online too from the bill I had received in XX/XX/XXXX but could not process the payment. 

XX/XX/XXXX - Again called XXXX and was informed that charge must have been resolved with the insurance company XX/XX/XXXX - Charge of {$75.00} dollars delinquency appears in Credit Report ( Score was XXXX and now its XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX, 2016, I was informed by a loan officer from XXXX XXXX XXXX XXXX XXXX Bank that my mortgage application would be denied because she had talked with Blatt, Hasenmiller, Leibsker and Moore, LLC about a debt judgement between myself and XXXX debt collection companies that the firm is representing. This is a direct violation of the Fair Debt Collections Act. Because of the communication between the firm and the bank, I lost a morgage that could have reduced my interest rate and equity that would have paid off all current credit debt, freeing our finances up to pay off the judgement amounts in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: A check was deposited by myself and the joint owner navy federal placed a hold on the check the hold was then took off and i have other payment providers through my online buisness navy federal then restricted my account due to activies that my online automated account modification programs automatically adjust payments posted from sales comission etc.since navy federal does not seem to understand the nature of my buisness a restriction was placed on my account and adjustments can not be made causing major financial losses of over {$1.00} a week. Furthermore a check deposited to my account appeared to be potentially to have negative status to my account navy federal reviewed this check placed a hold on the check even though myself or the joint owner hasnt attempted to access funds from that check until the institution clears or deems the check no good than its the banks responsibility to remove adjust or disregard a non valued payment instrument not the account holder this check was payment for a vessel that the bank has to my knowledge didnt honor or to my knowledge already adjusted this bank has violated also discriminated the nature of my buisness i am a XXXX also i XXXX XXXX XXXX XXXX XXXX XXXX the banks lack of knowledge of these ventures i believe the bank made an assumption of my character based soley on appearance made judgement and acted on a unprofessional way that caused my income to deteroirate also i still have account restrictions that i cant access certain things

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Struggling to pay mortgage

Complaint: To be brief, around XXXX of XXXX, I informed Ditech that I was unemployed at the time and that I was worried about my mortgage, since by that date I was perhaps two months if not more, behind. I was assured not to worry and that things could be worked out. I was told that if I could make payments on XXXX and XXXX of XXXX and XXXX of XXXX, then they would give me a loan modification. If memory serves, either late XX/XX/XXXX or first part of XX/XX/XXXX, I informed Ditech that I was still unemployed, despite applying everywhere and still looking daily for work. I was informed that as long as I make a payment, things could be worked out. Next thing, I receive a letter informing me that my home has been scheduled for foreclosure on XX/XX/XXXX. I was denied unemployment benefits, so even making a partial payment was out of the picture. All that XXXX wasted XXXX time talking to Ditech and being given, what I would now call false hope, just to lose my home anyway. In essence, it appears and feels as if I was just strung along until there was only one thing for Ditech to do and was to foreclose. We have no where to go.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery placed a lien on XXXX home. XXXX is deceased. The lien is related to a debt Portfolio Recovery purchased from XXXX XXXX XXXX. These credit card accounts do not appear as a trade line on XXXX credit report nor did they appear on any of her loan application for XXXX loans acquired AFTER these accounts were opened. XXXX XXXX is unable to provide ANY evidence that this debt belonged to XXXX XXXX i.e signed credit card application and credit card statements. XXXX was in her late XXXX at the time and had been XXXX. These lines of credit are totally inconsistent with her life long credit history. She NEVER was into credit cards. She was a miser and did not spend money frivolously or frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My husband and I have been XXXX customers for years, Citibank handles credit card services for XXXX. On our XX/XX/XXXX statement, Citibank closed my card XXXX due to fraudulent charges. They claimed that my card had fraud charges on it when I took a trip to XXXX to see my son. The charges were numerous ranging from {$89.00} to {$95.00}, although they credited our account we were left feeling skeptical. The fraud charges on our statement reflect that they happened during my trip to XXXX. 
So, to avoid further confusion on our account I started paying for my gas with cash. 
Shortly after, I started examining our statements closer and noticed duplicate charges on my husbands card XXXX. I immediately asked my husband if he thought they were correct since this was his card and he had not traveled to XXXX with me, he also added that the charges on his card must not be correct since he did n't frequent the store that often. As an example, some of the charges on his card XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, everyone of these charges were for {$39.00}. 
I immediately called Citibank to dispute these charges, they told me they would send dispute sheets but all we received were sheets for XX/XX/XXXX. 
I have been calling to request the forms since early XX/XX/XXXX, the latest forms they sent were statements of our account instead of dispute forms. And, every time I call they keep transferring me between the Dispute Department to the Security Department and keeping me on hold for a long period of time, plus dropping my calls.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I sent letters to XXXX, XXXX, and Transunion requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.

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