milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up with XXXX with the agreement that my monthly bill would be approximately $ XXXX/month. I informed XXXX shortly thereafter that when I was at home the signal was so poor that the phone was unusable. In response their " customer retention '' staff sent me what they called a " signal booster, '' which solved the problem. One day the signal booster was not working so I called their tech support line. Rather than troubleshoot the problem they immediately decided to just send out a new booster which arrived several days later. However, about an hour after speaking with XXXX tech support the equipment suddenly started working again, so I called XXXX tech support again and they told me they would now send me shipping materials to return the old equipment. I did n't need the new equipment, and the shipping materials they sent were in no way suited to fit the box containing the shipped item. Rather than waste time and money shipping the unopened package I simply delivered the unopened shipment to my local XXXX store and they said no problem. Due to the inconsistency of their billing, i.e. my beginning monthly bill was about {$55.00}, but over several months it crept up to over {$80.00} per month. Seeing a massive charge on my following bill for the signal booster was the final act of financial misconduct I was willing to tolerate from XXXX. I cancelled my account and paid my cell phone usage balance, but not the charge for the equipment that I saw on my bill. 
Now I 'm seeing these derogatory remarks on my XXXX and XXXX credit reports with a ridiculous charge of {$700.00} by a collections agency called Convergent. I am quite frustrated and confounded and I think the charge and the negative remark should be removed from my credit report. If there was a balance on my cell phone usage for the account I would gladly pay it and have the matter resolved, but to be erroneously charged for an untouched, unopened, and returned piece of equipment is downright unfair. 
I have a decent job and have paid every debt ( besides this one ) in full ... .i.e. not a reduced amount or a settlement, but paid in full so as to encourage positive reports to the credit bureaus. This charge from XXXX or Convergent is inaccurate and out of line. This is my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The note on our home located in XXXX California allows us to pay our mortgage to LoanCare right up to the XX/XX/XXXX of the month, I pay it through my bank with online banking so I 'm never late. however despite paying LoanCare on the fifteenth of the month they always send me a late payment notice demanding and extra {$50.00} as a late fee multiple times with a letter, however, we are not late. If I thought there was a problem with my bank then I would file a complaint with the Controller of the Currency, but my bank pays everything on time as reflected in my credit report scores. I have already notified LaonCare to stop this practice and they have replied with a letter, however I don not expect any change. now they are notifying me our home owners insurance has expired 19 days after the date they allege our hazards insurance has expired forcing us to comply with the choice of their insurance company resulting in higher fees. These are deceitful and misleading practices and need to be stopped.

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 11/16/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have received XXXX emails regarding my XXXX payday loan. Each XXXX claims they have received a XXXX of XXXX on my wages XXXX untrue ). They also claim to be a XXXX. XXXX from the XXXX. 

1 ) They misspelled XXXX. 
2 ) They have not tried to contact me by phone or at work. 
3 ) They are claiming I have a warrant and will be arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: frequently offline and unable to pull my score from equifax even though i pay a monthly fee for this privilege. this has created numerous issues.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 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: I graduated XXXX XXXX XXXX ( XXXX XXXX XXXX, TX ) back in 2006. They are supposed to help you find a job but later they just forget about you. I submitted my resumes to a lot of companies back then with NO LUCK / NO RESPONSE. I have n't been working on my field because I have not been able to ... I found out right after I XXXX tried to sue our campues because all of them went on job interviews and COULD NOT get a job - their reason was " XXXX software was too outdated and old '' and what they had been learning was not up to date in the " real world '' - I wish I would have known this while I was still attending because I would have dropped out .... They don ; t really help you get a job like they claim, they do not transfer credits so you ca n't really go anywhere else.. I am a single mom with no child support - I am stuck with a XXXX privete loan that I have not been able to pay because I was trying to make ends meet. I got evicted from my apt . a few years ago. I have been paying something every month towards my private loan but I can barely make that payment to NAVIENT ( well, directly to XXXX collection agency ) - There 's has been a lot of lawsuits against XXXX XXXX on different states and more and more students are joining. I feel like I should not be paying for this since no employer back then was interested at all and XXXX XXXX did nothing.That school is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Around XX/XX/17 XXXX investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA.
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly Thank you

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 01-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Settlement process and costs

Complaint: I 've been a happy customer with my ARM home loan I received with ING XXXX Bank in 2008. They have since been purchased by Capital One/ XXXX. I recently took the bank up on an offer that after I accepted and they implemented it I found it deceitful. They showed me for XXXX mortgage payment cost I could lock in my loan at a slightly lower then my current rate for 5 years. They hid the fact that the offer would shorten the amortization period of my loan by 8 years. I though I was locking in my mortgage rate for 5 years for a slightly lower overall payment. What I got was the the lock in, but the shortened term increase my payment by almost XXXX dollars a month. 

In the proposal they compared my current PI+Escrow payment to my new PI ( only ) payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Regarding previous complaint XXXX. A settlement letter was attached to the complaint yet once again I try to contact Santander Consumer USA and they had no knowledge of the settlement so I had to fax them over a copy of the settlement. The settlement letter was for a one-time payment {$6000.00} by the XX/XX/XXXXI had called an email Santander Consumer USA supervisor regarding this and have fax over a letter requesting more time from the legal department of Santana Consumer USA, i have yet received a response back yet I need more time due to the bank will hold a check that 's being deposited the end of this month into my account also being that the damage had came up due to the latest hurricane IRMA. I am unable to uphold the {$6000.00} one time payment settlement at this time. Due to damages and me not having a car due to the car being a total loss I would still like to try to settle this amount but in the monthly payment. And being that I have been paying monthly on the vehicle that I no longer own I am requesting the settlement amount can be lowered from XXXX being that I have been making monthly payments and my total amount that 's due on the loan as of now has decreased. I would like to be contacted from the legal department directly so this matter can be resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I do not understand and I have asked the company to talk to my aunt on my behalf and they refuse and the payments that they are setting are to high. I am not working at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TransUnion is reporting incorrect facts regarding a Bankruptcy on my credit report. TransUnion maintains that they " verified that the Bankruptcy is accurate. '' I requested to see TransUnion 's method of verifying the Bankruptcy per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) to include : a ) The name of the Courthouse, ( b ) the person 's name they verified the dispute with ( c ) the address ( d ) the telephone number and ( e ) the documentation used to verify the dispute. 
Per FCRA, credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information, not third party sources such as XXXX of XXXX XXXX. 
The Bankruptcy listing must be reported accurately FCRA, Section 609 a ( 2 ).

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 08/30/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Trouble during payment process

Complaint: My mortgage servicer, Ditech has failed to send my mortgage statements to me for over a year. Ditech has been sending my statements and all other correspondence to my attorney despite several requests by bot me and my attorney. On or about XXXX XXXX, 2017, I sent Ditech a Notice of Error concerning this issue, but they have not corrected it. My attorney never told Ditech to send the statements to her and the previous foreclosure action, which was settled by way of a loan modification, has been discontinued, so there is absolutely no reason for Ditech to continue to send my correspondence to the attorney and not to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: On XX/XX/XXXX 2012, there was a fraudulent activity on my account on card ending with XXXX for {$210.00}, This is a XXXX XXXX XXXX card. I did contact with the customer service and they are not solving the problem, the agent did not transfer the phone call to the manager. 

Please look into the matter and get me a complete credit.

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 03/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan is managed through Navient. I had been making payments towards my loan even though my due date was not until 2018. I thought that the payments I had been making were being applied towards my principal but over the last couple of months I noticed that my principal was increasing instead of going down. When I called Navient they told me that my payments were being applied to the interest that I would accrue until 2018 and until I paid this off then the rest would be applied towards the principal. I told them that why would I pay to defer my payments when I know I am accumulating interest? This option makes no sense and I do not recall signing up for this. They automatically put me on this plan which I would have never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been working to pay off my student loans over the last two months and twice I submitted payments that were applied incorrectly and on XXXX of the payments they tried to short me {$1000.00}. They were unreceptive to my complaints regarding the incorrect payments both times and even though I followed the website 's instructions to the letter, they still applied the payments incorrectly. I read in the XXXX about the lawsuit regarding Navient and I wanted to ensure my complaint was lodged.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Medical Data Systems has a debt on my credit report and it 's showing paid, but this debt is not mine. I have tired to call them and explain the issue, but they stated their is nothing that can be done because it 's paid. I tired to validate the debt twice, to get proof that the debt is not mine. I want to send the paperwork to the credit reporting agencies, to see if they can help me. Medical Data Systems refuses to send any paperwork regarding the validation of the debt. Please help!!! even though this debt is showing paid, it is lower my credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have been denied 2 loans last week because TransUnion does not have a credit file on me. I called TU last week and they sent me a report in which I found they have wrong information about my name, only one creditor reporting ( when i have plenty of Credit Cards, Auto Loans and 2 mortgages ).

After reviewing my report I called TU again and XXXX ( the person that took my call ) told me that I have to call every single of my creditors and ask them to report to TU!. Well that would certainly will take weeks of my time. The funny thing is that XXXX and XXXX  have the correct information on my file ... and it is hard to believe that all my creditors are conspiring against TU and they don't send the info to them ....

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 08/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Equifax, XXXX, and XXXX. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Premium Credit Bureau (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX unauthorized credit inquires on the report. 
My information was compromised from XXXX  data hack my information was compromised and used my identity. 

Company was notified by mail but refuses to remove them from XXXX  credit report. 
XXXX  refuses to remove them also

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I contacted Nelnet on XX/XX/XXXX to start setting up a repayment plan. The loan advisor set me up with a pay as you earn payment plan and helped me set up my automatic payments of $ XXXX month. In XXXX my payment never went through. I contacted the company which then told me that none of that had actually occurred and their record only shows a note stating that I had asked for a " Forbearance. '' It was discovered that the loan advisor that I spoke with stole my information and used my identity to set up payments that were taken out of my account and given to a fraudulent company. I no longer feel like I can trust their company since they did n't even know that one of their employees was committing fraud. I also want the {$690.00} that was stolen from me given back. I have pulled my phone records and bank statements. My bank, XXXX XXXX, is also not helping me in any way. I have contacted the bank several times and I have contacted Nelnet a couple times including todayXX/XX/XXXX. My money was being sent to " XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I was approved for approved for either an Income based payment plan or a forbearance in  XX/XX/XXXX  on  XX/XX/XXXX I received an e-mail from Navient stating that I owed {$0.00} for the month and this amount would be the same until XX/XX/XXXX  Three days later on the  XX/XX/XXXX  I received an e-mail from Navient that states I owe   XXXX   this e-mail contradicted the e-mail sent three days earlier

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: My home with a Mortgage through Seterus Inc. went through foreclosure in 2011. It was sold at auction in XX/XX/2011. My account with them shows a balance of over {$160000.00}. on my credit report. After contacting them 4 times in a span of over 2 years and requesting that they update my account standing with the credit bureaus they have done nothing! They tell me over the phone that my balance is {$0.00} and I am no longer liable for the property, but they have not reported it to the credit bureaus and I can not get any documentation from them saying I am not liable. They are terrible to deal with on the phone and will not do anything to correct this misinformation which is holding me back from improving my credit situation and quality of life.

Company response to consumer: Closed with explanation