milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: In 2013 I had to file for Chapter XXXX Bankruptcy. Originally my loan was managed by XXXX XXXX, but they have since sold my student loan to Navient. I continue to get harassed 7 days a week even though the representatives know that I am under bankruptcy protection. They continue to call me every day about my student loan. I refuse to answer the calls as it is harassing for them to continue to call me knowing that I am under bankruptcy protection when I speak to a representative. I ca n't access my account online or do anything as the representative that I spoke to confirmed that my account is locked from internet access as I am showing my account under bankruptcy. Now, they 've submitted a very low report onto my credit despite my previous conversations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OK).
Issue: Using a debit or ATM card

Complaint: My debit card is part of a fraud investigation so the bank has locked my card. I live in Oklahoma and there are no Huntington banks near me. I asked XXXX to expedite my card because I have no ability to get to my funds, and he proceeded to tell me he would charge me {$25.00} for the card. I asked him to waive the fee due to the circumstances and he refused to waive the entire fee. I told him I was not ok with the fee being charged to my account but if that is the only way to get my card then I guess he would have to do it but I was not ok with it. I told him I would speak to his supervisor on Monday in regards to the situation and I feel like it is extremely poor customer service to have your customer get the money stolen by the bad guys and then for the bank to steal my money as well is just not very customer oriented. This is not the first run in I have had with this bank. They have refused to give me my money once before and that seems to be their motto.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2015 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Credit line increase/decrease

Complaint: I have had a credit card account with TD bank since XXXX XXXX and and have always paid on time. I went through a nasty divorce and had to put a restraining order on my husband in XXXX XXXX. He refused to pay the bills unless I let him back in. He was the only source of income. Therefore I had medical bills go in collections, a judgment placed against me, a credit card that went into a charged off account yet I always managed to pay TD Bank. I was late only XXXX time with them. I was able to pay off the credit card a few months back after my divorce and had to use it again in XXXX. I had a {$10000.00} credit line with them and they all of a sudden dropped it down to {$6500.00}. Stating I had bad credit, a judgment, etc ... .when I had that for 2 years prior going through my divorce. My late payment as well being in XXXX. Ive been paying the card in a timely matter, sometimes making XXXX payments a month on it. I had a checking account with a large sum of of money with them that I had to withdrawal just prior to them knocking my credit down. I had to make a wire transfer to my lawyers for the house I was purchasing. Which left the account almost empty. I find it very coincidental that they lowered my credit right after I did that. My late payment with them was in XXXX. Its XXXX and I have n't paid late once after that. I even pay more then my required payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX To Whom it May Concern : XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Medical) with JP RECOVERY SERVICES, INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received calls from JP Recovery Services Inc, XXXX XXXX Ohio at my home, work and cell phone for months in attempt to collect on a debt I do not owe. I have asked multiple times over the phone and twice in writing to send me an invoice as according to my insurance company I do not owe any balance. 
JP Recovery Services has ignored my instructions and has called me at home multiple times a day, on my cell and at work leaving a message on general voice mail for everyone else to hear regarding my personal credit and collection issue. 
I have submitted XXXX letter on XXXX/XXXX/16 and another on XXXX/XXXX/16 requesting supporting document/invoice which I have not received to date. 
This impacts my credit report, my interest rate and ability to borrow by lowering my credit score and I am requesting assistance with this ongoing negligence of consumer protection rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX Tue XXXX I was telephoned by PORTFOLIORECOV XXXX. 

The caller refused to identify the purported creditor, the account, or the amount. I therefore have no way of knowing whether this matter concerns me. It could well be a scam. 

The caller hung up after I refused to continue the conversation in the absence of validating information. 

This was my first contact with this party ; by the FDCPA they must contact my in writing with a Validation Letter within five ( 5 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CT).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: XXXX University, American Education Services. Graduating in the great recession was difficult, dealing with AES is impossible. I just started XXXX businesses and I wanted to postpone payments to get back on my feet. I 'd done this once before to catch up. In XXXX, I 'd filled out the paperwork suggested by AES, faxed it in ( which is difficult, no one has a fax these days ). They said " that 's it you 're all set '' 3 months later I 'm getting collection calls at all hours of the day and night while my grandma was on XXXX none the less. Thanks! Finally I just paid the money so they 'd stop calling. The same thing keeps happening. I go through the trouble of filling out all this paperwork, sending my tax return and wasting time with customer service. Each AES representative has something different to say. This has happened several times. They assure me everything is all set, or that they 're sending forms via email and regular mail. Now I 'm not even getting forms. I 've had nearly everything I own robbed from me in XXXX. That was an awful feeling, the feeling AES is giving me is even worse. I 'm just trying to get my business off the ground and AES is there to ruin any chance of me succeeding, probably buying a house in the future. The only thing they 're good at is ruining my credit. I 'm confident that this is XXXX of the worst run businesses in the world. Oh and want to know about my other student loans, NO PROBLEM. XXXX of them is paid off in full. AES on the other hand is raping my financial stability. I studied XXXX and that was a walk in the park compared to dealing with AES. If you call their customer service, an automated voice takes 10 minutes to check if you were in the armed forces. I ca n't believe I owe this company money and I will certainly be looking for any alternative. A high interest credit card would be a better option in my opinion. I 'm absolutely broken by this company, words really ca n't describe how I feel. It 's not like this has happened once or twice. It 's happened so many times that robbing a bank seems like a sensible option to get rid of this loan. I bet if I had the money in my hand to pay off in full, it would be a huge hassle. I hope that something can be done about this. It 's completely unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have worked hard to have a decent credit. I am young and the only negative thing in my report is two late payments. I recently got denied a car loan. Received a letter explaining why, apparently a credit rating company that I 've never heard of called XXXX XXXX gives me a rating of XXXX. Their reason " too many delinquencies ''. I 've seen many complaints for this mystery company online but I want to make sure I put my complaint in too, so this company gets taken care of ASAP.

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 09-03-2015 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a bankruptcy trial in XXXX 2015 which was mostly regarding private student loans. I won the case and had all of my private student loans discharged in the bankruptcy. After several months of monitoring my credit, I saw that XXXX XXXX XXXX XXXX account continued to say " open '' despite having a note that it was charged off as bad debt on my Equifax report. The same account on my XXXX report stated that the account was closed, which is correct. I disputed with Equifax and got a simple repsonse back that they checked with XXXX XXXX XXXX and XXXX XXXX XXXX said the information was correct. This student loan that was legally discharged by a federal bankruptcy judge is over {$24000.00} and is still showing up as of today on my Equifax report as open. It does n't make any sense and Equifax did n't seem to do anything other than take XXXX XXXX XXXX word for it rather than doing independent research ... especially when looking up the court order would be free and easy. 

I am naturally trying to get my credit back on track so I can have a normal life and it is a SLOW process I am learning, but this misinformation is only making it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has refused to remove fradulent information from my credit report after supplying them with more proof then the creditors are willing to supply reguarding the accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These banks have never sent me a contract to back up their claims and have reported false information as well as information from debts they can not legally collect on in my state, I will be attaching the law for debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Management Services, LP (WA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The collection agency was advised in writing that the debt had been discharged in bankruptcy and that it was not to contact the debtor again since its calls violate federal law. They continue to call and now are sending letters to the attorney who advised not to call the debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Vehicle loan) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I have requested both XXXX XXXX XXXX XXXX and Calvary Portfolio to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax set the username and password to their server in XXXX XXXX as " admin '' and " admin '', got hacked, and now all of my personal information ( name, date, SS # ) has been released.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom  It May  Concern   XXXX    XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX     XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC  #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) lis ted below are as follow : Have enclosed a copy of my Id and  XXXX  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance w ith 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I req uest that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I  request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past  six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in q uestion, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required b y 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the  above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax security breached. My information is at risk

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Medical) with Allied Interstate LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt should have been pain by my vision insurance company, XXXX XXXX, and therefore is not mine. After saying numerous time to please speak to them regarding this matter, they continue to call me and harrass me, my parents on their landline phone, and send mail to my parents residency often.

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 05/16/2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My dad had me added to his bank account for emergencies so i could access his money to take care of his dog or pay his bills if he was in hospital. The bank used my social security and drivers licence information from this account instead of his to give him a credit card. He did not know they used my information to open this credit card because this whole time they have been sending the bill to his address as it should be. The bank has failed to correct this mistake. I found out about this credit card after I had my credit checked. I went to the bank manager and asked him the process for opening a credit card account and he said all it requires is verbally telling a banker the last XXXX of your social. I find this hard to believe. They didnt ask for a copy of his social or a copy of his drivers licence to make sure they had the right person? They will not produce a copy of this form that was signed for me to look at either. I feel stuck and this is my only credit blemish. How can they use all my info but send him the bill? I feel they used my credit just so they could get a commission on the whole deal because maybe they couldnt make the deal with his credit. I feel the bank owes me an apology as I have only been in this bank one time and that was to get on his debit card account. How are they allowed to look at his account, take my info off of it as his comes up first on screen, as the manager told me addmittedly, and give him a credit card without any verification, under my name. Our birthdates are nearly 40 years apart. They couldnt tell from looking at our birthdates and looking at him alone that the wasnt me. I find it ridiculous I have to deal with this situation. This banks system is garbage, if what the manager said is true, for allowing credit cards and I think they need to be reported for the way they do business. Any help with my situation would be greatly appreciated as I have a wife and XXXX kids to take care of and I am trying to refinance XXXX vehicles and my mortgage asap! Time is money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Debt collection (Federal student loan debt) with National Recoveries, Inc. (MA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I recv 'd a letter dated XX/XX/18 from the US Dept. of Tres.  stating they were going to with hold 15 % of my social security XXXX to collect a past due fed student loan. I have req 'd deferments over the past few years until I was told I could not do so anymore, I was not given a reason except that I had exceeded my limit. When I recv 'd this notice it said to contact the US Dept of Educ. to stop the matter and when I called a recorded message advised me to contact National Recoveries Inc. This was the first time I have heard of this company, I have not had any correspondence with them. I have attempted to contact them several times and each time I am unable to reach a representative. I am currently living under the poverty line and this would certainly put enormous pressure on my financial situation. If I was given the opportunity, and was not, to make other arrangements I would have done so. I would greatly appreciate your assistance in this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (PA).
Issue: Deposits and withdrawals

Complaint: I was receiving unemployment benefits via US Bank XXXX. On XXXX XXXX, I noticed a fraudulent charge of {$280.00} from a place I 'd never used. I reported it that day and was told that I would receive a form to fill out. 10 days later, I called because I had n't received the form. They sent another, which I received and sent back to them right away. On XXXX XXXX, I called to check the status of my funds being returned and XXXX at XXXX said they had n't received my form. I asked her how can I mail it so that I have a receipt next time and she said I could not. I spoke to her supervisor, XXXX XXXX, who told me the same thing. So, in effect, they can keep telling me that they never received my form and keep my money. Obviously I need my money as I am unemployed. I 'd like some help getting my funds reinstated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Payoff process

Complaint: Macy 's did not ever notify me that Citi Bank was taking over management of their credit card. Had I known Citi Bank was managing the card I would have stopped using it and made arrangements to close it.

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