milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I graduated from XXXX XXXX University in XXXX, consolidated my loans in XXXX with a very low interest rate of less than 3 %. Immediately after graduation, I started work at XXXX XXXX XXXX, a non-for -profit organization. In XX/XX/XXXXI got a letter from Navient stating that my loan was frozen for 50 years. I neither asked for forgiveness, nor struggled to pay my loan. Navient mislead me, and as a result, I paid for my children education out of pocket, falsely hoping that my loans are frozen forever. In XX/XX/XXXX I started getting calls demanding payments and threatening to ruin my credit history. From XXXX XXXX I learned that I 'm responsible for {$39000.00} loan, plus my son 's student loan of {$5400.00}, for which I was a co-sighner. I contacted Navient on XXXX, demanding to be transparent and provide me a letter of explanation. Why my loan was frozen in XX/XX/XXXXand what is going on now? No one had a response. They tried to convinced me that I was in school but I worked full time at XXXX XXXX XXXX. I was told by the Navient manager,  that if I agree to start repaying my loan, they will do investigation and provide me a letter of my loan ' history. She squeezed " yes '' out of me and e-mailed me a note " XXXX XXXX, your request for forbearance has been approved. Your payments will resume on XX/XX/XXXX. '' I still did not get an official letter. I contacted Navient on XX/XX/XXXX. Spoke with a representative XXXX, ID XXXX and was told that my request to provide a letter was cancelled, because it was sent to wrong department. " I feel racketeered. I asked for how many years I have to pay my loan and was told -for XXXX because my loan was initially consolidated. I tried to find information online, but under my SS I can only access my son 's information. I demanded transparency and told them on multiple occasions that they have to provide me all information in a written form.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: AES is reporting 120 days late remarks on my credit report for XXXX accounts AES/XXXX and AES/XXXX. I completed a student loan rehabilitation program years ago and paid loans on time monthly as soon as I became employed ( I lost my job and defaulted on loans prior to rehabilitation ) in any event i was told after XXXX mos of on time that loan would be out of default and derogatory lates will not be reported and I made actually more than XXXX months because AES was paid in full as I consolidated with myfedloan servicing because I 'm now a fed employee. The accounts are still reporting derogatory 120 days late yet AES /pheaa is showin current closed and paid AES/XXXX and AES/XXXX accounts need to stop reporting old late payments as promised and they defaulted before statute of limitations and should be removed from repeats

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX Reporting Agency has listed following address as to be a past address : XXXX XXXX XXXX XXXX, Ky. XXXX I have NEVER loved at this address. I need it to be removed from my credit history report.

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 06/28/2017 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: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau XXXX, Equifax, XXXX i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit line increase/decrease

Complaint: I am attempting to increase my credit line on a credit card from Citi. Citi representatives tell me that XXXX is telling them I have a security freeze. In order to get control of this, I actually placed a security freeze so that XXXX would mail me a PIN. I got the PIN, then paid Experian to remove the freeze ( {$5.00} ). Several hours later, I attempted to remove the freeze again, but XXXX told me no freeze was in place. ( See screenshot document, attached. ) On calling Citi again, they again told me there is a freeze in place. This time, however, they said the freeze is in place due to " state legislation ''. I can find no reference to any security freeze that would be in place due to any legislation. I have no outstanding debt or litigation against me. So apparently there is a security freeze on my report, which is NOT requested by me, and which I can not remove, due to some unknown legislation. Can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Chase has stolen my identity and is continually running credit check EVEN THOUGH I HAVE NOT APPLIED TO THEM OR THEIR AFFILIATES FOR CREDIT. THESE INQUIRES ARE ILLEGAL ACCORDING TO THE FCRA ACT AND I WANT THEM REMOVED IMMEDIATELY. They APPEAR to be doing this to hurt my credit and by continually doing it they are trying to force me to put fraud alerts on my credit report when they are the ones committing the fraud. The FIRST TIME, though suspicion of an inside job I filed the credit report and as soon as the 90 days was up the started again and keep doing it. THE RUNS ARE NOT ACCURATE REPORTING BECAUSE I DIDN & # XXXX ; T AUTHORIZED THEM! I want this to stop and I want it to stop IMMEDIATELY as they were just fined for this very violation. As part of your & quot ; investigation & quot ; please also request the ip address of the supposed application. From the application you can see that no application would submit lacking this much information AND they are using my address which would defeat the purpose of someone trying to get a credit card sent to them. I am being violated and my credit run illegally. MAKE THEM STOP PLEASE! I could NOT submit this information through the " upload '' even though the file was small enough and the person assisting me on the phone said that " any company can run your credit report for business purposes '. and I KNOW THAT THIS IS A LIE. The credit report could be run as part of a backgroud check for a job or as was indicated by the denial letters IF I AM TRYING TO OPEN OR APPLY FOR AN ACCOUNT! I DID NONE OF THAT and per the FCRA these inquiries are ILLEGAL and for the XXXX to say otherwise needs to be reported. In addition, I 've found that CHASE has a habit of doing this and just had a class action as a result. It is as if as soon as they closed the class action they started again the illegal pulls using Amazon as a source!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was originally with XXXX XXXX XXXX then transferred without my knowledge to greentree who did not honor my current modification I was under with XXXX so it started off bad me trying to get a new loan mod with them after two years being told I did n't qualify then they almost foreclosed on me until I hired a lawyer then Florida hardests hit paid almost {$12000.00} to my account to cover all past due fees and bring me current again now asked for a new payoff and see that Greentree has added an additional {$38000.00} to my loan amount and have called it corporate advances?? seriously my original mortgage is only XXXX now the total payoff is over {$80000.00} after we just put XXXX towards the account? I cant understand how this is legal to double my mortgage amount without my permission or consent? greentree did not honor XXXX original note or loan modification now it has already cost me over {$15000.00} in lawyers fees to save this home and clear my account and now they had added all this money to it. I need help with this matter this is no fair to me as a consumer and I wanted to transfer this loan from greentree to another lender and found this corporate advance amount added to my mortgage I need this cleared in order to proceed. Can you please help me with this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: When I made the first payment, I paid the regular monthly payment and in the line clearly marked additional principal, I wrote in {$75.00} to be taken off the principal. When I received the next months bill, they had taken that {$75.00} payment intended for the principal off the next payment. When I called them, several times, they said it was taken off the principal which was clearly a lie. They record the conversation on their end, but refuse to talk to me when I told them I am recording the conversation for my protection

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Incorrect information on my credit reports from EXPERIAN, XXXX and XXXX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XXXX  and XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.

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 11/21/2017 about Debt collection (Medical debt) with Independent Recovery Resources, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have sent several letters to this agency asking for discovery. No one at this agency called Independent Recovery has sent me any proif of debt. The debt is under XXXX XXXX. My name is XXXX XXXX. They advised my file was being handled by an attorney whos number was given to me by XXXX the collections dept supervisor. I called this attorney and he has not returned my call. This has been going on for almost a year. Please help me they have violated fcra requirements. 
XXXX number is XXXX XXXX. 
The attorney who refuses to discuss with me or return my calls name is XXXX XXXX his NUMBER is XXXX XXXX. Ive asked for proof several times and by law if they cant provide it they must remove it. Please help me. There are 5 accounts in question. 
XXXXXXXX XXXX, XXXX, XXXX ( 3 duplications of this account ), 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 non-monetary relief
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Seterus Inc refinanced a mortgage without my knowledge or consent. In XX/XX/XXXX they named me as a primary and my ex wife a signer and extended my credit 636 months at {$1200.00}. I had no knowledge of this and signed nothing, I have not owned this property since my divorce in XX/XX/XXXX.  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with Berlin-Wheeler, Inc. (Kansas) (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This bill is not mine i lived renting a house and the owner on XXXX XXXX XXXX. where was my last gas bill but the rental company locked the doors and change locks i could not get in and the landlord use the gas for some months it was not me.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XXXX, TransUnion and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.

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 03-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PENTAGON FEDERAL CREDIT UNION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Penfed XXXX " XXXX '' refused my online payments after many months of successful payments stating my payment was " ineligible at this time '' because I had vehicle loan with Penfed that went into default. 

Penfed refused to take payment for my mortgage because I was late with my vehicle 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 explanation
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX address in XXXX appears in my known addesses- I have never lived or used a XXXX tgere

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: I finally read the responses from nationstar, because I never had logged in before and had n't received any of the responses, by mail or email and had no idea any of this had happened. I have submitted a dispute, but have also found fraud in the note of loan rates and adjustments and pre-payment penalty. I have attached a copy with the highlighted forged signature.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of this year, my wife and I started receiving multiple phone calls from Green Tree Services LLC, our current mortgage holder. The caller was stating that we were several months behind in our mortgage payments and we owed upwards 0f {$4000.00} to them. Checking our online banking statements it showed that all of our mortgage checks had been processed and we were making the monthly payments. The woman calling, XXXX, was extremely rude in the voice mails and in one of my recorded voicemails, she curses into the phone. My wife was finally able to get a hold of another representative from the company who explained to my wife that Green Tree had made a mistake and placed all of the checks they had received from us into our escrow account, which in turn showed the mortgage not being paid. They even went as far as to send notice of eviction to our home. While we were desperately attempting to figure out what was happening to our checks we were sending, the company continued with the harassing and bullying phone calls. They even went as far as to call my place of work to harass me. After they finally realized the mistake was theirs, the calls stopped. I am extremely displeased with the undue stress and harassing calls this company has caused my family all due to a mistake on their part. The quality control of Green Tree Services leaves much to be desired.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kings Credit Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX has reported monies owed to them. We moved early in the month due to an apartment available through Housing Authority of XXXX XXXX XXXX who in fact sent an agent to inspect prior to our acceptance and he said and I quote i dont need to see anymore im familiar with these apartments XXXX and had to accept or lose our place on wait list. XXXX Properties kept our {$500.00} deposit and made no attempt to contact me. I just seen this on my credit report through Credit Karma. Not only does that cover the month but that company made no attempt to repair anything that was needed since we moved in a little over a year. This included faulty oulets which sparked every time they were used in fact two outlets had the top plug working properly in the entire two bedroom apartment, a broken window due to a gun shot that happened prior to moving in ; never fixed, mold and deteriorating wall due to water leak through patio door, cockroach infestation, etc. I feel in no way did we leave them " HANGING '' so to speak. The {$500.00} deposit they kept should have sufficed that slumlord and we left it clean!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Debt collection (Credit card) with Machol & Johannes, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX, I agreed to a settlement to pay XXXX XXXX XXXX in the amount of {$2000.00} through the means of automatic payments from my checking account in the amount of {$120.00} a month. 

They have continued to automatically take $ XXXX/month even after the agreed amount of {$2000.00} has been paid in full. 

As of XXXX/XXXX/XXXX, they have automatically taken a total of {$2500.00}. 
They took {$500.00} more than what was agreed to and have not stopped automatically taking {$120.00} a month from my checking account. 

Last withdrawl took place on XXXX/XXXX/XXXX and first was taken on XXXX/XXXX/XXXX. This is a total of 21 months in which {$120.00} payments were automatically removed from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Had an account with XXXX, closed account with payment in full. I sent back all equipment carefully packaged in their own container at my expense in 2010. One month later, I received a payment due notification of {$25.00}. I called XXXX billing and a supervisor stated that it was for their mailing labels and that I should have waited. I explained that I was not told this and that all equipment was sent expeditiously and that I do n't feel I should pay. After sending in numerous letters of dispute, I never received a response from XXXX and wrote letters to a collection company seeking a new balance. No response. I recently called XXXX with their Bundled services and XXXX is in the package and I was denied service due to the " outstanding '' balance with XXXX. I have attached my notes when I first had this problem of the mailing labels, back in 2010.

Company response to consumer: Closed with explanation