milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My son has both private and Federal Student loans. He did get behind and I ( XXXX XXXX Father ) have been catching him up. Actually I have always made the payments. He was going to take them over and lost his job, so I took them over and will be caught up next month or by first of XXXX 2016. The private loan was cosigned by his Grandmother. She recently passed away. The Grandfather got XXXX and died in XXXX home on Medicaid several months earlier. The feds of course took his pension and Medicare to cover medical bills. They left her with just enough just to live on. Navient is handling the student loans. The private loan is current. Navient has sent a letter to the cosigners son demanding a cosigner or they would request the loan be paid off immediately as if there was a huge estate left. The loan is current and not in default. This is harassing the family and Navient who I just spoke to said they wanted someone else on the loan to ensure loan is paid. The way the payments are distributed the private must get their portion first. Regardless the private loan is current and they are harassing the family and need to be stopped for everyones sake that has a private loan being handled by Navient. Navient stated they sending loan to a " XXXX XXXX XXXX " who ever they are for collection. The loan is current as the documents show! Stop them from harassing the family.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: Equifax Security Breach : I called Consumer Financial Protection Bureau ( CFPB ) regarding this fiasco. According to the representative, the CFPB is responsible for the credit bureaus and will be addressing this issue in respect to policy, etc. I explained to the rep ( although she has no power ), that this is the perfect opportunity to change the game on how these types of agencies conduct business and impact individual lives. Per the rep, individuals can go to the CFPB website and submit comments, complaints, suggestions, ect., to CFPB for consideration. I would like to recommend that TYT  address this issue on your show and provide the link for the CFPB to be bombarded with consumer requests to address our concerns with the credit bureaus in general and not just this specific breach.
ISSUES : 1 ) I did not agree to my information being shared with these credit bureaus.
2 ) I do not agree that these bureaus should be able to make money off of my personal information.
3 ) I believe that XXXX was negligent in their responsibility to protect my information 4 ) Credit bureaus have too much influence in my life on all levels.
5 ) Credit breaches should be corrected and individuals made whole by the agency where the breach occurred and not be the responsibility of the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: 2 Certified lettershave been sent to XXXX  # XXXX and XXXX   # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XX/XX/2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: BOA offered me a balance transfer promo rate on my BOA credit card. I had a {$10000.00} credit limit and had a balance of {$5000.00}. The promo rate was posted on my online banking. The offer was there yesterday ( XXXX/XXXX/XXXX ). I went to enter my information to transfer my balance today ( XXXX/XXXX/XXXX ), but the offer was gone. It provided a number for me to call. I called and spoke with a CSR and asked why the promo offer went away. He transferred the call to XXXX XXXX. I asked XXXX XXXX the same question about the promo rate going away. She proceeds to tell me that she was going to lower my credit line because I asked for a balance transfer. I never asked for a balance transfer. I told her to check the recording of the phone call. BOA and XXXX XXXX mislead me with unfair business practices. BOA lowered my credit limit instantly when I called to asked a question. I asked which regulatory agency I should contact, and she told me that there was no regulatory agency and that the bank can do what they want. I then spoke with a manager, XXXX XXXX, about this. She also told me that because I called they did a credit review and lowered my rate instantaneously. I have never missed a payment was using less than 50 % of my credit utilization on this credit card. Bank of America and its workers mislead me with there promo offer. This is the definition of unfair business practices. BOA hurt my credit because I called them. By doing this, BOA is making it difficult for customers to inquire of any issue. If you call BOA, they will punish you. For a company to penalize you for asking a simple question it misleading, unfair and creates a freezing effect. I have never missed a credit card payment so the lowering of my credit limit was completely punitive in nature.

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 10-05-2017 about Debt collection (I do not know) with U.S. BANCORP (NV).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: It is my understanding that money orders are to be regarded as cash not as checks that have to return from any 'originating bank ' for funds availability. Consequently, it remains my business intention to have said money orders returned to the United States Post Office so that they may give protection from the intent to accuse of depositing check ( s ) instead of money orders that were somehow found 'counterfeit ' after 'depositing '. Peace

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 12/29/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX ( case # XXXX ) and XXXX XXXX, XXXX ( case # XXXX ), I filed to disputes the {$250.00} collection on my credit report by XXXX which located at XXXX, PA. ON XXXX XXXX, XXXX, which I checked my credit report for status, I noticed now, there are XXXX collections and they are duplicated reports for the same amount and the same dates on my credit reported for collections ( now, for XXXX x {$250.00} ). I called the Equifax to inform them for duplicated report error, They told me nothing they can do for me, I have a choice to open another dispute case which I did. The new dispute number is XXXX. Not only they did not put effort to resolve my disputes, they made my credit report worth than it was originally. The XXXX removed the report on my credit report on XXXX XXXX entirely.. It is very clear, it is their mistake. I need to remove the collection report entirely and the report by XXXX is not valid. Which I explained on my separate dispute regarding collection agency. 
The Equifax representative were extremely pushy and anxious to sell their service to me, which I refuse to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Managing the loan or lease

Complaint: I paid off my Chrysler Capital lease so I could keep the vehicle when lease expired. After almost 2 solid months, this corrupt outfit has refused to provide any final accounting of my account, or refund a substantial overpayment due me, send me title to the vehicle, or in any way acknowledge payoff of this lease! This is THE most corrupt and incompetent firms providing finance for any of the major auto brands, with a huge number of consumer complaints, and NEEDS TO BE INVESTIGATED AND FINED! The company is not even a Chrysler subsidiary, it is instead owned by Santander bank group and simply licenses the Chrysler name, further defrauding customers who think they 're dealing with Chrysler when they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: For the past few years, I have been making payments on my student loans through the IBR system. I applied for REPAYE, which would reduce my monthly payments from about {$410.00} to {$270.00}. Before starting my REPAYE payment scheme, however, they charged me a single month on a 10-year repayment plan. This was {$1600.00}. They never told me that this would happen. It completely negates the monthly cash flow advantage of switching to the REPAYE program.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: reported : XXXX XXXX damaged credit

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (I do not know) with Innovative Credit Solutions (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After reviewing my credit report, an adverse account was reported to XXXX credit reporting agencies by Innovative Credit Solutions, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ). I have had no association, contact or any communication whatsoever with Innovative Credit Solutions. I have written to them requesting information and have not received a response. I have disputed this with XXXX credit reporting agencies. XXXX has removed this adverse account and I am continuing to dispute this adverse account with XXXX.

Company response to consumer: Closed
Consumer complaint received 01/18/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I have an active complaint, XXXX XXXX. The mortgage company sold my property after erroneously stating that it was in litigation. This is in violation of the law. I need assistance to go after PHH Mortgage Company for conducting mortgage fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: American Express who I had direct deposit from XXXX XXXX has breached SEC rules and regulation. They have stolen money from my account and transferred it to an employee or another account. It was not there money to do so and the XXXX found out that employee assisted with this unauthorized transaction .I am desire all of my money back not just the XXXX back but all XXXX which was deposited because of the harassment and lack of integrity in which this corporation has none. I have had to wait which has caused other payments to be delayed since I am no longer working for a company that takes insurance policies and breaches security when it comes to paying your salary in this form. Please resolve this right away so I can legally pay my bills and hire representation to sue both this organization and employee.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After several phone calls with XXXX, I got the appropriate amount of debt stated ( {$450.00} ) and was informed that I could make payments until it was paid of. I began making {$50.00} a month payments, after the third month I received a phone call from the debt collector about making the remainder {$300.00} in order to prevent further debt collection action. After calling XXXX, they informed me that I had only three months to pay off the full {$450.00}. I was not aware of this and in none of the multiple phone calls did anyone state that this was the case. Otherwise I would have paid the entire amount prior to the three month mark to avoid a mark on my credit. I have paid off the full amount now ( less that three months after it went into collects ) but now there remains a mark on my credit for a collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Paragon Subrogation Services, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX , Inc. has sent harassing letters to me indicating I owe monies for alleged damages that I have caused. I have requested specific information about the nature of the alleged damage and proof that I am responsible. I have not received a response and recently received a letter threatening that they will be pursuing legal action against me for a debt that I do not owe.

Company response to consumer: Untimely response
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX I contacted this IQ Data to resolved this balance. At the time I informed the representative I only owed 1 month rent XXXX. He informed me there were damage to the apartment and when I advised him I have pictures ( which I do ) when I left the apartment with no damage as well as my security deposit was not returned me. He informed me if I agree to settling the account at XXXX he will remove the debt from my credit report. 

I disputed the amount in XXXX please see attached. I have also reached out to the apartment in which this debt is owed and I was also informed the total on this account should for 1 {$450.00} IQ Data has continued to increase this debt. They reported in XXXX I owed {$3800.00} as of XXXX XXXX they are reporting I owe {$4300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: XX/XX/2017 is my last correspondence with your company. I wrote to you to inform you about several incorrect and outdated information being reported on my credit file. You did nothing. The incorrect pieces of information are still in my file. There even accounts that Had been removed by other bureaus ( XXXX XXXX and XXXX XXXX ) and you refused to remove. This I think is a violation of the FCRA. Furthermore, I have requested investigation but for some reasons, the incorrect account opened to date, balance 's, inaccurate payment history has not been fixed. I am writing another letter to letter to you. I will be giving you 30 days to fix this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient encouraged me to defer my loans. They are reporting late payments and will not remove them from my credit report, although I have never made ANY payments to my account. My loans are still deferred, 6 years later, due to unemployment. I have a XXXX credit score because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I wrote to Ocwen Loan Servicing , LLC about the discrepancies with my mortgage billing statements. I De-Estrowed my property taxes from my mortgage XX/XX/XXXX so I 've been paying my property taxes myself and my taxes are paid current but, from XX/XX/XXXX through XX/XX/XXXX the problem is what I do n't understand why I have been billed for Escrow in the of $ XXXX cents and past due fees/other charges for {$5.00} dollars per month also, negative Escrow amounts $ XXXX dollars for XX/XX/XXXX, and XX/XX/XXXX a negative $ XXXX dollars, and {$35.00} dollars for XXXX months. I just reviewed my statement for XX/XX/XXXX there is that {$35.00} Escrow charge to my account. I 've sent them copies of my paid property tax statements. According to the letter they forwarded me dated XX/XX/XXXX they said that the information I provided does not indicate that I have a refund due. I think they owe me a refund. I ca n't seem to get these Representative at Ocwen do n't seem to understand what I 'm telling them it 's very frustrating I need someone to help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have many, many times tried to get these Hard Inquires off my report. I have now obtained the letters to get them off as requested many times, by the CRA to get them from the inquiries. So I scanned and attached the letters to get the hard inquires of my consumer credit report. The only thing to do is get the letters then send them to the CRA as they would n't do the work themselves.

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 02/27/2017 about Debt collection (I do not know) with The Best Service Co.,Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that The Best Service Company provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NV).
Issue: Unauthorized transactions/trans. issues

Complaint: XXXX/XXXX/15 airline ticket for {$190.00} was purchased rushcard declined the purchase, i cancelled the XXXX airlines faxed a merchant authorization released letter twice to them .. i have called over XXXX times since friday XXXX to get the funds reversed and they are still holding the money also while taking funds from my account in the amount of {$170.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: APR or interest rate

Complaint: I have a citibank credit card. On my XX/XX/XXXX billing statement, I made a payment of {$1600.00} on XX/XX/XXXX for a balance of {$2600.00}. The remaining balance was {$1000.00}. The payment due date for this statement was XX/XX/XXXX. I realized that the remaining balance was still not paid and paid the remaining balance on XX/XX/XXXX. My billing statement for the next month reflected both payments and an interest charge of {$20.00}, and no carried balance. The balance was paid in full by the time the billing statement arrived. I paid the full balance of new purchases this billing statement, and the {$20.00} interest fee and carried no balance. On the next month 's billing statement, I received an additional {$14.00}. The bank claims this was residual interest, but I did not carry a balance, and the only balance I did carry was {$1000.00} from XX/XX/XXXX and the date I made a payment on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: A payoff request for a first mortgage loan was submitted to Ditech on XXXX XXXX, 2016. In the past 4 1/2 weeks they have acknowledged several times receipt of the request yet have been unable to provide a written payoff request. They have stated that the attorney faxed it, the attorney was still working on the figures, money was applied to the account incorrectly. Every day they tell me that we will receive it tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation