milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2015 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/2014, I paid the student loans, for the amount of {$9000.00}. Citizens bank, told me that they will communicate withXXXX to clear my credit report, my {$9000.00}. cashiers check wascashed by the citizens bank, but they did not informed XXXX, Ihope that, they should be investigated, because they are damageiging my credit report to the XXXX agency 's.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX I mailed CMRE a demand for validation for an account they had reported on my credit report. The company has failed to provide me validation of the account and perplexingly replied and asked that I was responsible for providing you with more information and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with FCI Lender Services Inc. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX my spouse, XXXX XXXX and I, XXXX XXXX filed bankruptcy which was paid off and released in XX/XX/XXXX. XX/XX/XXXX we were informed that the loan was sold from Homecommings to FCI. Discussion with FCI I was informed that they purchased the loan seriously delinquent. I informed them that the information was incorrect. I continued to pay FCI awaiting a discovery of documents until XX/XX/XXXX. FCI has refused to work with me insisting that the was purchased approx. XXXX. I requested documentation from the bankruptcy trustee which shows that the loan had a balance of approx. XXXX at the time of the bankruptcy being filed. It appears that all payments to the loan were placed in a suspended acct and were not paid towards the loan at the time of the release from the bankruptcy courts. I continued to pay FCI for a year longer than the loan was to exist and have no copperation from them. XXXX XXXX and I were divorced in XX/XX/XXXX. My lawyer, XXXX XXXX of XXXX, S.C. Has made several attempts to communicate with FCI with no results. I stopped paying FCI IN XX/XX/XXXX when I was out of work. According to my documents I owe no more payments and I am due the deed to my property. FCI has not taken any legal action nor is the loan been reported to any credit agency since the FCI purchase. I can not afford to retain another lawyer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Attempted debt validation as of XX/XX/XXXX, company has failed to validate debt and later added to my credit report harming my person. Without debt validation they have refused to remove said debt from my report, it is still showing up and being detrimental to my overall score as of XXXX 2017. Has sent numerous letters attempting to collect debt since XX/XX/XXXX, refuses to remove from my report, and was unable to validate said debt. I have never had a contract with Midland Funding, LLC and therefore do not owe this company a dime!

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Federal student loan) with United Student Aid (USA) Funds (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid in full since XXXX 2012. There is a XXXX balance for this paid collection. Please remove it from my credit report.

Company response to consumer: Closed
Consumer complaint received 12-09-2016 about Credit card () with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Other fee

Complaint: I had a fraudulent charge on my account and First Tennessee cancelled my card and reissued me a new card. When they did this, they cleared all of my electronic account statements so that I no longer could see my old charges. When I asked about obtaining the statements ( that I never received in paper I do n't think, as they were only provided to me via the site ) that told me I needed to pay {$7.00} per statement. I explained that I still have a credit card account with them and explained why that card had been closed. They advised it made no difference and that I needed to pay the $ XXXX. This does not seem fair, to close an account because of fraudulent charges and then tell me I no longer can access my old statements without paying {$7.00} for each month I need to see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX/XXXX/XXXX I received the second half of my student loan disbursement {$9900.00} for that school year. Not needing the entire amount of the loan for that I contacted my financial aid office who instructed me to go to the Direct Loans website and pay the amount in return. On XXXX/XXXX/XXXX I did just that and made a return loan payment of {$9000.00}. In XXXX of XXXX when I graduated I decided to work on loan consolidation since I had several loans spanning from XXXX and XXXX  school. I realized that No Where could I find the {$9000.00} payment I made and it was not applied to the loan I had received for the XXXX school year. I called direct loans and asked. Which they replied that because I made an online payment, the payment was sent to pay interest first and split up over several loans that currently held interest. I told them that this was a Loan Return Repayment and was supposed to be allocated to that certain loan. The lady told me it did n't make a difference where it went. I thought this was odd so later that week I contacted my financial aid office again. She said that it was a big deal and I was going to continue to be charged interest for the principle of this loan. Call them back and tell them to allocate that repayment. The next thing I know my loans were transferred that month directly to Navient. I called Navient and they said they had NO record of this loan repayment. That was four years ago! I have been fighting with them for four years. Finally this year they finally have admitted that they do see the payment and that it was split up instead of paid to that loan and " there is nothing we can do for you. '' We can not change the way the loan was sent to us. I have provided extensive bank records to them, requests, I have letters they have sent me saying that no such XXXX payment even existed. They have shuffled me for years. Saying they were going to fix this error. Please give us this info/ that info. etc.They are legitimately defrauding me. Pocketed the money I returned. And continuing to compile interest on the full principle of that loan. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXXEquifaxXXXXXXXX, GA XXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It 's been almost 7 years that I paid off the amount of {$1400.00} and I 'm tired of contacting TransUnion about this error in my credit to be remove. I just want XXXX to remove this negative item in my credit because it 's hurting me to get a credit card or loan.

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 09/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Other

Complaint: On XXXX XXXX, 2016 I received an e-mail from XXXX XXXX with a promotion : Earn a {$100.00} Cash Back Bonus with the Upromise XXXX. 
I clicked on the link to that offer and I applied for this offer with Barclaycard on line. For some unknown reason I did not received an immediate approval. Instead I received a letter via XXXX Mail asking me to contact their customer service via telephone in order to verify my information. 
On XXXX XXXX, 2016 I did placed a call to the number listed on the letter : XXXX, and I spoke with XXXX, her operator no. is XXXX. I am a naturalized XXXX citizen of XXXX descent. I do speak with a clear accent. After I answered a number of questions about my identity correctly, XXXX told me that I will have to mail to XXXX a copy front and back of my Social security Card and my Driver License. 
I told XXXX that this is the first time that any back has requested for such information from me and asked her if this is customary for Barclaycard to request from all individuals who apply for a credit card. She told me that this information is requested of me, otherwise I will receive no credit card from Barclaycard. I asked XXXX once again if she requested this exact information to be provided via XXXX Mail from all the individuals who apply for any of their credit cards. She refused to answer that question. I then asked her if my foreigner accent had anything to do with her request to provide Barclaycard with copies of my social security card and driver license. She refused to answer. I then informed her that I feel discriminated against because of my national origin, and that I want to speak with her supervisor. She told me that her supervisor will tell me the same exact thing and I could just chose not to send the information to them and no credit card will be issued to me. I once again insisted that she transfers me over to her supervisor which she finally did. 
The supervisor came on the line after many minutes of waiting. His name was XXXX XXXX and his operator number is XXXX. I told XXXX that I want to lodge a discrimination complaint against his company and the operator I just spoke to due to the fact that I have been singled out to provide additional proof of identity because I speak with a foreigner accent. XXXX denied of that taking place. I asked him also if it is customary for all the individuals who apply on line with Barclaycard to later on send by XXXX Mail copies of the social security card and driver license. he told me " no ''. 
This proves that I have been discriminated against based upon my national origin by the creditcard company. I have excellent credit history, my last credit score was XXXX and I have never been treated so badly by any other bank or credit card company before.

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 05-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (MI).
Issue: Charged fees or interest you didn't expect

Complaint: A {$500.00} loan. They debit weekly {$84.00} starting on the  XXXX  ( a week after receiving ),  XXXX  payment bounced so I paid {$200.00} today. So I 've paid {$360.00} and still owe {$380.00}. The fees are illegal in michigan. They are accruing weekly what should be monthly.     They debit weekly and charge fees weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX I received a letter from American Medical Collection Agency ( AMCA ) regarding a debt with XXXX XXXX. We sent them notice disputing the debt, stating " I 'm writing in dispute of this account PIN XXXX, please validate this account and send proof of validation, including proof that your client has billed the proper insurance company that it was provided at the time of service and not an insurance company for which it was not provided information for. " On XXXX XXXX we received a letter stating they had received our notice, and still continued to pursue the debt without ever having verified it. 

They have since sent XXXX letters demanding payment for a debt we do not owe and have refused to verify the debt, because if they did they would see the debt has a {$0.00} balance with the XXXX XXXX. 

On XXXX XXXX, XXXX XXXX representative XXXX XXXX said she had contacted AMCA to inform them that they had failed to properly bill the Insurance Company and that due to a glitch in their systems they had failed to bill and would alert AMCA. 

Their latest letter on XXXX XXXX states that we have neither paid the invoice or disputed the validity of the debt, which we did on XXXX XXXX, 2015 and they acknowledged this in their letter sent XX/XX/XXXX. 

We look forward to you helping us resolve this debt collector continuing to violate the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (FL).
Issue: Trouble during payment process

Complaint: When I try to calculate my payment amount, the " formula '' Chase gives me that they use never comes out to the same amount due for my monthly payment. They say the difference is in the rounding and I do n't think that is the complete truth since the difference is usually higher than an amount that a mere hundredth rounding would leave. <P/>I would like to know : 1. Are they allowed to add the late fees amount into the balance that they use to calculate my monthly payment and if so where is that stated? <P/>2. Are they allowed to report to the credit bureau that my account balance due includes their monthly interest payment and their late fees ( accrued after my husband died while I was trying to get financially back on track from loss of income ) instead of the actual principal balance I owe?

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated from Tennessee XXXX University ( XXXX, TN ) with by XXXX degree in XXXX. I later graduated from the University of Louisiana at XXXX ( XXXX, LA ) in XXXX with my XXXX XXXX degree. XXXX these degrees were funded by student loans. I was able to consolidate a large portion on my federal student loans with no issues through XXXX. However, I have experienced extreme difficulties with repayment of my private student loans and bringing them current. These private student loans are serviced through Navient. These loans have doubled over the years as the interest rates range from 15.25 % to 9.25 %. These loans went into repayment status in XXXX of XXXX. At that time, I explained to Navient that I was unable to afford the {$1200.00} monthly payments that they were requesting and I paid what amounts I could each month. In XXXX of XXXX, Navient began reporting my private student loan account delinquent to my credit. I called numerous times in order to request a more affordable payment plan. Each time I was asked several questions about my finances, savings accounts, and retirement pension. These calls often ended with me being yelled at and even threatened with legal action. Finally, in XXXX of XXXX Navient sent a letter to a relative 's home stating their intention to seek legal action against me in order to collect money. On XXXX XXXX, XXXX, Navient finally agreed by phone to lower all of my private loans with them to a temporary 1 % interest rate and a monthly payment of {$420.00}. That amount was still out of reach of my budget however I agreed after being told that my accounts would be forwarded to an attorney for legal action the following day. I requested to receive the terms of this agreement and was told that I would not receive anything in writing until after 3 monthly payments have been satisfied. I called again to inquire about obtaining something in writing and was told similar information. A few weeks later, I received correspondence from Navient that contained a schedule of my automatic payments. I agreed to allow Navient to automatically deduct {$420.00} from my debit card on the XXXX of each month starting on XXXX XXXX, XXXX. However, Navient has continued to report my account delinquent to the credit bureaus. Furthermore, my payments have been applied to interest and fees only, making it impossible to lower the amount of the loan. I also continue to receive statements from Navient that show that I still owe {$1200.00} even after our payment arrangements have been made. In essence, I am paying the agreed upon $ XXXX monthly with a past due of {$1200.00}, essentially increasing the total loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Installment loan) with Argon Credit (CA).
Issue: Problems when you are unable to pay

Complaint: I obtained a loan through Argon. The payments were being made by direct debit out of my checking account. I contacted Argon XX/XX/2016 and informed them that I no longer wanted payments direct debited from my checking account. According to their disclosure statement I was within my rights to do so. They stopped debiting the payments. However on XX/XX/2016, Argon proceeded to debit my checking account without my permission after I have instructed them not to. They clearly violated my rights under the Federal Trade Act and obtained the money illegally without my permission.

Company response to consumer: Untimely response
Consumer complaint received 06/28/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Billing statement

Complaint: To buy a mattress, I opened an account with Synchrony Bank with an initial purchase of {$940.00} with the promise that it was a 0 % interest with 12 equal payments. That would be $ XXXX/mo. However, when I received the statement, it showed the minimum monthly payment as {$34.00}. If you read the fine print on the back, it appears that if I pay only $ XXXX/mo that I will be charged 29.99 % interest. Nowhere is shown the {$79.00} payment which would be required to avoid the exorbitant interest. This is very misleading and is, I believe, an unfair trade practice.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This information is incorrectly reporting on my credit reports. These items were previously deleted as I am no longer responsible for them and they reappeared on my credit reports, which is negatively affecting me UNDER A DIFFERENT COLLECTION AGENCY. THESE ARE MEDICAL BILLS AND THEY ARE IN VIOLATION OF HIPPA. THESE ACCOUNTS PREVIOUSLY WERE REPORTED UNDER GREATER XXXX EMERGENCY. 

XXXX XXXX {$270.00} XXXX XXXX  {$350.00} XXXX XXXX {$420.00}

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 explanation
Consumer complaint received 04-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: my loan was referred to them to have lower payments and the payments were very expense and not fair because the school that i am repaying the loan for was closed down due fraud. I was looking for assistance with payments that was within my budget and the payments they calculated were very expensive. and they always suggested forbearance now i am behind because i could not afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Credit card) with Convergent Resources, Inc. (DC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX XXXX, 2016, at XXXX XXXX ET, I contacted Convergent Outsourcing, Inc. at XXXX to request a settlement for a debt. I spoke to XXXX XXXX ( ext XXXX ). He asked if I was authorizing to contact me on my cellphone in the future and I told him no. I contacted Convergent Outsourcing, Inc. again on XXXX XXXX, 2016 at XXXX XXXX ET and dialed XXXX 's direct extension to confirm a settlement letter would be sent to me. Again, I decline to give them permission to contact me on my cellphone. 

On XXXX XXXX, 2016 at XXXX ET, I received a phone call from XXXX. I do not answer toll free numbers and let it go to voicemail. No voice mail was left. I did however research the number on the internet and found that this number belongs to Convergent Outsourcing also reported as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I HAVE BEEN TRYING TO CORRECT PAYMENT HISTORY REPORTING TO CREDIT BUREAUS SINCE XXXX HAVE CONTACTED THE CREDITOR SEVERAL TIMES, EACH TIME I AM TOLD THE PROBLEM IS BEING FIXED.WHEN I ASK TO SPEAK TO SOME ONE IN CORP. OFFICE I AM DENIED, THIS COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX ACCOUNT IS NOT BEING REPORTED AT ALL ON MY CREDIT REPORT THEREFORE CAUSING MY SCORE TO DROP.I HAVE HAD THIS ACCOUNT SINCE XXXX AND STILL PAYING EACH MONTH ON TIME.TO ME THIS IS AN INJUSTICE AND SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY!

Company response to consumer: Closed with explanation