milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello : Here is a concise summary of what has occurred. From XX/XX/XXXX to XXXX XXXX I took out three student loans ( Stafford, XXXX and Perkins ) in the amount of {$25000.00}. In XX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XX/XX/XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents  with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a XXXX XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just XXXX XXXX XXXX. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, Stafford Loan, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, Perkins Loan, {$2500.00} disbursed at various times. On XXXX XXXX, XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. They are all reporting under the same collection company called " XXXX XXXX '' with different account numbers. The first account is for {$2900.00} with account number # XXXX. The second account is for {$1000.00} with account number # XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Medical) with Remex, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The bill being collected was settled through XXXX XXXX - New Jersey XXXX XXXX Payment Assistance Program.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX

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 11/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account was managed by an un-authorized party. I have already submitted a notarized copy of the FTC Identity Theft Affidavit and I have also already let the creditor know about this account. I have already disputed this account multiple times without any luck. Please help me resolve this issue.

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 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have the same bill on their XXXX and I have student on there that still say open that 's been on there since XX/XX/XXXX and XX/XX/XXXX alot of my school loans are over my 7 year thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is now part XXXX to my initial dispute with Equifax. Not only did they unblock XXXX items on my credit report, not only are they not blocking XXXX total accounts that are a result of ID theft, not only are they showing my valid XXXX XXXX in perfect standing as Collection and Skip status but today to make matters worse on my latest report, they show XXXX XXXX listed XXXX with the same account number but XXXX is a {$30000.00} car loan. This case against them is to now remove the XXXX XXXX XXXX showing up as my car loan and then also resolve the initial XXXX XXXX that is showing as Collection and Skip as it is a valid account. I am uploading the original complaint showing that XXXX XXXX is a valid account and now part XXXX showing how they added XXXX XXXX again, same account number as an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Payday loan () with WLCC (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan the Leander was taking hundreds of dollars out of my account per month but the debt was not being paid off after several weeks of paying I was told there is an {$8.00} a day interest rate I do not think that is fair and I know the loan should be paid but now lender is threating wage garnishment

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (KY).
Issue: Account opening, closing, or management

Complaint: I bank with US Bank in XXXX, KY. Sometime around late XX/XX/2016 I went through the teller line in the drive through as I had my XXXX small children with me. I made a withdrawal and the teller at the window asked me if I 'd heard about their new credit card. I stated I had not and she proceeded to give me some information and a XXXX page piece of information on the card. She asked me if she could send me some information about the credit card and I said sure. She confirmed my mailing address, which I advised was correct and I went about my way. Approximately XXXX weeks later I received a letter in the mail from USBank stating my credit application for the card had been denied. I was confused as to why I was getting this communication and then it clicked that the teller in the drive through line must have submitted an application in my name WITHOUT my consent. I called the number listed on the paperwork USBank had sent me regarding the denial of credit and they indicated the only thing they would be able to do is remove my application for credit, they could not take it off of my credit report as an inquiry. I never had any intentions of applying for this card as I know my credit is not great. I just wanted to get my cash and go and instead credit was applied for in my name without my written or verbal consent. I was told the XXXX inside the branch may or may not be able to do anything about the inquiry but that I should I try to contact them. This is a huge inconvenince and extremely unfair considering I never applied for this in the first place. I would have to take time off of my job to speak to this XXXX who may or may not be able to even assist me. To date this issue has still not been resolved.

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 06/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed the items listed below a couple of times. What I have asked Equifax to do is to verify the Date of First Delinquency ( DFD ) for each of these creditors. Equifax has not done this. I have recieved nothing to affirm that this information has been verified. How can I verify that they have actually investigated this information rather than rubber stamping. I stopped paying my creditors around XX/XX/XXXX. How is it that these creditors are all reporting the Date of First Delinquency differently If I stopped paying these bills at the SAME TIME? 
-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX -The original creditor, XXXX XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX XXXX The original creditor, XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX Line of Credit *reporting XX/XX/XXXX-XXXX *XX/XX/XXXX ... ..Date opened XX/XX/XXXX ... I never paid on this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient had me on a payment program and I was paying a somewhat reasonable amount monthly. However when it ended decided that I had been on too many programs since the opening of my account. I tried multiple times to work with them on a reasonable payment plan but they could not lower it unless I sent them XXXX bank statements and XXXX paystubs. The manager would go through my bank statements to make sure I was not spending my money on frivolous items like XXXX, etc. Initially, I refused based on principal. I have nothing to hide and do not spend extravagantly but felt this was an invasion of privacy. I paid what I could each pay period but continued to accrue fees and they called me up to 15 times per day and on the weekends via automated calls even though they were closed. When they could not reach me they would contact my references that I had to list when I applied for the loan. They harassed my family and friends. They hung up on my mom 3 times when she asked to speak with a supervisor. Afraid of garnishment and worse, I finally sent my bank statements and pay stubs. This is still not a guarantee they will lower my payments. It is humiliating. I am awaiting review of my account for them to determine if my payments will drop from {$570.00} per month to {$240.00} per month. I borrowed {$20000.00} and now owe {$79000.00} after 5 years. I want nothing more than to repay what I owe, but I have so many other bills that I can not repay the monthly amount without an income based repayment plan. Taking out a private loan was the worst mistake I ever made and has made me wish I had not returned to school for my degree. XXXX ( now Navient ) are more like mafia than student loan lenders. They never stop. I have tried to consolidate my private loan debt with XXXX and my credit union but because my credit is affected by these student loans, I have been declined. I feel like I am at a loss. I borrowed money to better my life by getting my degree and a great career. Sadly, I regret this decision daily because of these loans. I hope that filing this complaint will help other making a decision about private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: In response to the collection placed against my credit profile. The information documented on behalf of this collection is incorrect and insufficient. I would like the opportunity to clear this debt from my credit report. I am making a request for Collection Company to  provide a deletion from my credit report. I value my credit and I continually make timely payments on all of my accounts. All bills from all medical manners were paid in full directly with ALL service providers and any remaining balances from 2012-present were included in the insurer 's Chapter XXXX bankruptcy under case number XXXX. Aargon Collection agency placed a {$39.00} collection on my account and this information was discovered when I recently saw it on my credit report. They did not send any type of bill, notice or information prior to placing this debt on my report. All medical bills are paid in full with the providers directly. Any balances are under the responsible party which is XXXX XXXX, the insurer and responsible party. I understand that collection companies are generally not excited about deleting a collection account. However, I have been informed that according to FCRA ( Federal Credit Reporting Act ) no creditor is required ever to report a debt, nor are they required to continue to report it for any set amount of time, reporting to the bureaus is purely elective on the creditors part. I would simply like for Collection Company to have this one account removed from my credit to ensure my credit profile does not show such a negative account.

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 Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have worked for a 501 ( c ) ( 3 ) XXXX as an XXXX since XX/XX/XXXX. However, Fed Loan Servicing ( FLS ) told me my student loan payments before XX/XX/XXXX do n't count for PSLF, because they were n't consolidated correctly. ( I first contacted Fed Loan and transferred my loans in XX/XX/XXXX. They were reconsolidated to REPAYE ). But I am certain I was in an IBR or ICR repayment plan prior to starting an account with Fed
Loan. However, FLS 's website says : " Payments you make under a 10-year Standard Repayment Plan or under any other Direct Loan Program repaymen
t plan with payments that are at least equal to what you would have been required to pay under the 10-year Standard Repayment plan also count toward PSLF. However, you must switch to an Income-Driven Repayment ( IDR ) plan, such as PAYE, REPAYE, IBR, or ICR, to benefit from PSLF. Otherwise, you would have no remaining loan balance to be forgiven after making 120 payments. '' FLS is refusing to apply federal student loan payments I made between XX/XX/XXXX and XX/XX/XXXX, even though I worked full time for a qualifying employer and my loans were in an IBR or ICR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with CITIBANK, N.A. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I received a letter from Citibank stating that I needed to go to www.citi.com/refundinquiry as I may have been overcharged for monitoring services during my 10 year tenor with the bank. When I went o the website there was no page. 
The letter stated the claim would need to be filed before XX/XX/XXXX 2017. I was provided a reference number to get started and that did not work.

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 04/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: I have a credit score of XXXX and in my file I have a former bankruptcy. I have carried and used ( as an additional user on wife 's card ) American Express XXXX. I have had the card for XXXX years and always paid my balance in full. they refuse to issue me a card in MY name. I also carry an American Express through another company, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Consumer Loan (Installment loan) with DISCOVER BANK (MA).
Issue: Problems when you are unable to pay

Complaint: Discover personal loans sent collection letters to my partners residence, which is incredibly invasive as i have never resided there, used them as a credit reference, or have any credit affiliation with my partner.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Student loan (Private student loan) with AES/PHEAA (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Took out a studen loan for my XXXX when he attended XXXX XXXX XXXX and finished in XXXX. As co-signer I have been paying off this loan and am now approx XXXX years in advance of payment date. Just last month I noticed that American Education Services XXXX AES ) raised my interest rate nearly XXXX percentage point without any notification. I find this to be illegal as XXXX and they are trying to maintain some form of percentage in the positive for the remainder of the loan. My account number at AES is XXXX and after numerous attempts XXXX emails, phone calls, etc. ) I have been unable to get them to explain why the rise in interest rates that started out at XXXX XXXX and is now at XXXX XXXX or so. I am also going to file a complaint with the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my XXXX and XXXX credit report but the incorrect information still remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: A lawyer and I have been work with Ocwen for about wo years trying to get thing done that they asked us to do and still have not gotten any where with them. This lawyer can not handle this he asked that I will get with you all to see what can be done. I have information to e-mail to you from his office and material to mail to you from him that you need to see. Please get with me as soon as possible so I can get this to you I can e-mail this to day or tomorrow in his note he said he will give you all information that is needed. Thanks XXXX XXXX, Yes got behind but did everything they asked us to do to sell this house. we have the process and steps I had done to get this house sold and also they ask me to give it back to them tried that. you have to look at what the Lawyer did.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Credit card) with Velocity Portfolio Group (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I would like to file complaint against XXXX and XXXX XXXX. This is a third party debit collector. I have a very old debit from 2009. I have proof and documents that I had a payoff and settle agreement with another collector. XXXX and XXXX decided to garnish my wages on the same account. When I recieved notice of the garnishment I submitted proof from the other collector the settlement prior to the court date. XXXX and XXXX advised that they will not except the documents I sent and that if I paid over {$13000.00} to them they will close the account. I told them I dont have {$13000.00} and they told me they were going to go ahead and garnish and there was nothing I could do. Of course I do not know my legal rights and thought that because this stamped paper I had no defense. I then proceed to get multiple calls from other collectors for the same account. One collector advised that they would garnish my wages and I had to send proof. This got me thinking how and why. I called the origional collector and they advised on two seperate occasions that my information can be put back into the system. I called XXXX and XXXX and I guess they have held on to this account for a long time letting it build interest. When I asked why they didnt contact me they said they sent a letter over a year prior which I never recieved. When I asked why they didnt except my proof they acted like they had no idea what I was talking about. When I asked who is collecting the interested they could not give me a answer, when I mentioned I was going to record our call they hung up on me. When I asked for verification they sent me a court paper with some other collector on it, nothing said XXXX and XXXX only the envelope it came in. I found out I can contact court documents and get the same thing, I can also print off a wage garnishment form online as well. I contacted the origional collector Velocity Investments. I was able tosubmit the proof to them. I got a call the day after I submitted the proof and they advised that this account should be closed. I had a hard time but was able to get to the collector I had the settlement with for a payoff. I submitted this to Velocity and they still havent closed the account. I have now been garnished over {$8000.00} on a settlement of {$2800.00} I also had to pay over {$200.00} in fees. This is extorshion.

Company response to consumer: Closed with explanation