milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Thank you for covering up all this information and this lawsuit saying it dos n't matter

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am currently trying to refinance my home. After talking to a lender I found out that I have a judgement against me that I did not know about. After trying to find out more information about the debt, i.e. going to the courthouse to find the claim, calling the creditor themselves ... We could not obtain any information on this debt. We contacted XXXX and they stated that they did not have any information on this judgement and they directed us to a lawyer office which turned out to be a dead end because it is just a recording with no number to reach anyone. We have tried to contact them several times. I have not received any letters about this judgement or any other forms of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with PlusFour, Inc (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: PlusFour, Inc.   XXXX   XXXX   XXXX   XXXX  , #  XXXX ,  XXXX , NV   XXXX   sent me a notice on   XXXX   XXXX   XXXX   stating that I can dispute their charge of {$72.00} within 30 days of receiving their notice. I disputed this charge in my letter of   XXXX   XXXX   XXXX  . See my attached letter of   XXXX   XXXX   XXXX  . I had not heard from them but found that they reported non payment of this account to the   XXXX   credit agencies ( e.g.  XXXX  ), thereby affecting my credit rating. So I sent them a letter on   XXXX   XXXX   XXXX   ( attached ) asking that they reverse the nonpayment to the credit agencies and that I would remedy this charge. I never heard from them and it is now   XXXX   XXXX   XXXX   and their notice to the credit agencies still persist. Account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2015, I was admitted to an emergency department. I had insurance and most of the visit was fully covered. I am currently ( still ) being charged by the physician group at the hospital, saying I owe them money. I followed up with my insurance company, who said I was covered and the reason the physician group was not reimbursed was because they missed the 90 day period to file the claim. They strongly recommended I not pay the bill, as I was covered through my insurance. 

I followed up with the collection company ( XXXX ) several times ( both calls and written statements ) and even had my insurance company call them while I was on the phone to explain the situation, but they still are sending me bills. Recently, I have been getting phone calls and written statements from another company, Transworld Systems Inc, who say they are looking into my account, but only are using the bills as a reference for the account, not the several written statements between myself, my insurance company, and the original debt collector. 

I am at my wits end with this. I have been dealing with these charges for over a year now, taking time away from work to call the collectors, my insurance provider, and attempting to get in touch with the physician group ( XXXX XXXX XXXX, which has n't been possible ). I feel completely taken advantage of. I feel like these debt collectors are ignoring the communications from my insurance provider saying the fault and charges do not lie with me, they lie with my provider 's negligence when reporting the charges. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON  XXXX  ASSIGNED  XXXX CREDITIOR CLASS MEDICAL/HEALTHCARE CLIENT   XXXX   XXXX   XXXX   {$940.00} STATUES OF  XXXX UNPAID DELINQUENCY  XXXX  ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON  XXXX  ASSIGNED  XXXX  CREDITIOR CLASS  MEDICAL/HEATH CARE  CLIENT   XXXX   XXXX    XXXX  {$1200.00} STATUES OF  XXXX UNPAID DELINQUENCY  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 02/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Credit decision / Underwriting

Complaint: Hello, I applied for a mortgage loan with Navy Federal Credit Union - and I pulled my Experian Credit report which gave me a score of XXXX - based on this I applied for the Mortgage and Navy Federal is saying my score is XXXX, which is not correct and they increased my interest rate by 2.625 % from their initially quoted website rate of 4.0 %, which increased my qualifying ratios and now I am not able to afford the house anymore. 

I feel truly depending on the numbers which may not be correct and not even matching with XXXX 's report is not fair and which made it unable for us to be able to buy the home we wanted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: By phone and in writing I requested a copy of my signed original mortgage information because I do not believe the rate or terms are correct. Both times they replied with information generated from their system, not the information that I asked them for.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I unfortunately did not find a good paying job after graduation. As I anticipated having to repay back my loans, XXXXNavient wanted me to repay back a ridiculous monthly payment that I simply could not afford. I would offer a lower payment that I could afford and they would refuse and tell me I could just go on a forbearance and/or deferment. If I had know then that I could do an income based repayment plan rather than accepting the forbearance and/or deferment each time I would not have accrued as much interest over time. I kept telling them I can pay something and they would not accept it. 
They said I could pay whatever I wanted, but I would still be on the deferment and/or forbearance. If only I had more options 10 years ago. 
I went back to school again to try to get a better job and after years of school and accrued interest I wo n't even begin to make a dent in my payment. I luckily am now on an income-based repayment plan just wish I had n't been pushed into forbearance and/or deferment as the only option for help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have had several problems with this company originally I took out the loan with XXXX XXXX and it changed to Navient, when I filed bankruptcy, then immediately took action against my mother who was the co-signer, I tried to settle the debt and they wouldnt accept, Ok all this is fine and legal. However ... they never send statements, then when the XXXX per month payment is late they charge XXXX late fee, although they have n't sent a statement. When I ask for an auditing of my account they refuse, when I ask for a statement they refuse. They are hard to work with and anytime you ask for any sort of statement, or any sort of paperwork they refuse, if you ask for a supervisor, they refuse. You can not get any of the rights you are afforded under the law with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Problems when you are unable to pay

Complaint: I live in XXXX, Missouri. Tower Loans ( out of Mississippi ) moved to our area about five years ago. I knew that my credit worthiness was low, and I had very few options for a loan except through a sub-prime institution. I received XXXX loans from Tower Loans. I owe Tower Loans over {$5000.00} dollars. XXXX loan is secured by a non-running vehicle. The other is secured by furniture. I got behind on payments because of illness and continued underemployment ( part-time work ) during the last four years. I am not disputing that I owe the money. I want Tower Loans to stop calling my department head 's office to locate me. I have a direct work line with the capacity for private messages. 

I have asked Tower Loans to not call my department head 's office and asked to be transferred to me at my desk. I have a direct line. The loan personnel at Tower Loans said that they could call any office they wanted because they originated the loan, and were not a " debt collection agency. '' I insisted that the law refers to " debt '' in a global manner. I need to know my rights, and if I am misunderstanding the law. I am fine with the calls to my desk phone, but I can not abide by the calls to my department head 's office. Even though my work is part-time, I still need my job. Moreover, I am concerned with this harassing activity. 

Sincerely yours, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax reports that my personal information was likely leaked in the hacking of their databanks in XX/XX/XXXX through XX/XX/XXXX. This could include my social security number, date of birth, drivers license number, etc.. I never consented for Equifax, or any other credit bureau, to collect this information and the loss of it is squarely their responsibility. I am unable to get a new SSN or drivers license number, these have been compromised and will never be safe again. It has been reported that certain leadership of Equifax sold some stock in the company before the reporting of identity theft was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX 2015, my annual Income Based Repayment ( IBR ) recertification application was submitted/received by Fedloan Servicing, with a due date of XXXX 2015. Despite submitting my application, 2 weeks prior to the due date I began receiving emails stating that my application had not been received. After receiving each email, I called Fedloan ( on XXXX occasions ), to inquire about the status of my application and about the purpose of the email notifications. Each call, I was advised that my application was in fact " complete '' but just had n't been updated in the system. However, the day after the deadline, I was notified that my application was missing my husband 's signature and therefore was considered incomplete. I faxed my husband 's signature page that same day but, since at that point it was a day passed the due date, my interest was capitalized and {$11000.00} was consequently tagged onto my student loan balance. 

I submitted a written appeal, accepting my oversight, but also explaining that, prior to the due date, I was advised by XXXX representatives that my application was complete. Therefore, I had been misinformed at a point when there was still ample time for me to correct the error. I also explained that my husband had recently been XXXX and, around the time of submitting my application, we were informed that his XXXX was not working and therefore his life expectancy was less XXXX. I had forgotten to do many things during that time ( including obtaining my husband 's signature on my IBR application ), distracted by the possibility of losing my husband and the father of my XXXX small children. With my appeal, I submitted copies of my husband 's medical records, to verify his XXXX, and to justify my oversight. Apparently, that was not enough - it was not even enough to warrant a written response from Fedloan ; I ended following up several weeks later and was advised by a manager/representative over the phone that, " I 'm sorry about your husband but we are unable to reverse any of the {$11000.00} interest since your husband 's signature was not submitted before the due date. '' The manager attempted to console me by saying " it does n't matter, because you qualify for loan forgiveness, so you will not end up paying the entire balance anyway. '' For the record, I have XXXX more years XXXX before my loans can be forgiven. 

Sadly, I do n't think it was a coincidence that, despite the number of times I called to check my application status, I was not advised until XXXX day after the due that my application was missing my husband 's signature and therefore considered past due. And, considering the circumstances ( i.e. my XXXX ), this seems complete careless and insensitive on the part of Fedloan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: My son-in-law missed his truck payment om XXXX XXXX, due to cutbacks in the XXXX, it is a leased vechile, i signed for him, now they continue to call me every day, XXXX a day now XXXX XXXX is calling me the other is ally financial the main company ... .He sent them a payment, but they continue call my number..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER BANK, NATIONAL ASSOCIATION (CA).
Issue: Problems when you are unable to pay

Complaint: I had a auto loan issued by Sovereign Bank and they sold it to Santander. Now Santander is reporting the account illegally reporting 90+ day lates month after month since the charge off date and have it listed as a 240 month loan. This was a car loan and car loans are n't 240 months just further confirming that they do n't even have the correct information to report this. I have tried multiple times disputing through the bureaus to no avail and have been ignored in demanding that these companies provide all the documentation showing they have it and are reporting correctly. Please help I tried to go through the proper channels and have been brushed aside.

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 10-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I have n't been able to see my bank account details on Citi Online for the last few months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Classification of multiple names is ridiculous. I was married. I have since divorced and no longer use his name. He is also deceased as of last year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AL).
Issue: Settlement process and costs

Complaint: I requested my payoff on my mortgage with Seterus inc . They will not give me the payoff on my loan. I told them I had sold my house and needed it. They said it would 48 hrs then next time I called them they said it would take 7-10 days. Then I called them again told them it was urgent and needed my payoff and that I was closing in 2 days. They told me this time it would take 3-5 days. I am having a very hard time just getting my payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my transunion credit it shows I work at XXXX which I don't.

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 03/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Account XXXX/XXXX Account # XXXX was closed on XX/XX/XXXX because of non payment from prior marriage. The company claims last payment to be XX/XX/XXXX which I believe is date sold to collection company not my last payment date. My last paid date was prior to XX/XX/XXXX and should not be on credit report because statute of limitations. I have disputed this with all XXXX bureaus and Transunion is the last to not remove this derogatory. I would like the proof from XXXX/XXXX as to there claim of a XX/XX/XXXX payment which I assure is incorrect and not a generic response from Transunion. This derogatory is hurting my ability to acquire home loan. The statute of limitations has run out and should be deleted. please investigate the issue. 

thanks 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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017, I did not authorize said company to run my credit for a car, please send me verifiable documents if the company insists I did.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I been having problems with NAVIENT XXXX saying I still owe them after being approved and threaten to garnish my XXXX and XXXX Income and them giving me different names associated with NAVIENT attached is a release from and discharging my payments furthermore it has impacted my XXXX reporting agencies while working on repairing my credit I have gave them my permanent and total XXXX discharge and they have not honored it and NAVIENT still raising interest last year in XXXX they threatening to mess up my credit if I did n't pay and somehow got my number and address without my knowledge requesting new information on XXXX of XXXX, I send the approved XXXX letter I received and they are still not cooperating. The XXXX school I attended also mislead me and their no longer in business with no job

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Asked to have inquires removed stated as fraud. Investigation performed stated I would need to call each company & deal with them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Medical) with Diversified Consultants, Inc. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I called into the company and gave nothing but my name told them I had called in recently and was attempting to find out how many accounts the company had for me. The representative who answered did not ask a single question to verify I was who I said I was, but she released my full name, who the account was with, and how much it was. This was a clear violation of my personal information. I then requested a supervisor to ask what the company 's verification process for protecting clients he as well released my full name, who the account is with and how much it is without any sort of verification either. The way this account has been handled has been absolutely horrible and makes me wonder if the fraud issues I 've had have stemmed from this company. If it was n't actually me calling in I have no doubt that someone would have my full name and the information associated to the account in collections. Upon attempting to reach the company prior to filling this complaint they have hung up on me three times when asking for a manager to settle this issue.

Company response to consumer: Closed with explanation