milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a collection letter on XXXX XXXX XXXX from Stellar Recovery INC stating that I XXXX to XXXX. I did not receive notice of the right to dispute. I am buying a home and it hit my credit which now has prevented me from buying. I have had the same phone number for three years and when I called and talked to Stellar I spoke with XXXX individuals there. I have the conversation recorded. Both of whom told me that they were not obligated to send out a validation of debt letter. I have not used XXXX XXXX for over 4 years. Had I known that I even owed the debt I would have just paid it but I had no opportunity to even have that option. It hit my credit in XXXX XXXX and then I got the letter stating I owed them money in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Other

Complaint: We had a collection account for a credit card with Bank of America through XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency. XXXX offered us a {$4600.00} settlement of the debt approved by Bank of America of an original balance of {$6200.00}. We accepted the settlement with the agreement that the debt would show paid in full on our credit reports and no further obligation. We received a letter in writing from XXXX stating that the account will be considered settled and we will not be obligated to pay the remaining balance. Our credit reports were updated ; however, the balance now shows {$1600.00} instead of XXXX as agreed upon. My husband contacted XXXX yesterday, XXXX/XXXX/2016 to inquire about this. They advised that we would have to contact Bank of America. My husband then called Bank of America and inquired explaining the agreement that we have in writing. They informed him that the balance will remain unless we pay it for XXXX to 10 years on our credit reports. He explained the letter we have in writing that says it is settled with no further obligation. They continued to state that the balance would remain. My husband called back a 2nd time to speak with someone else and received the same answer. Based on this response it appears that we were misled and lied to by both XXXX & Bank of America per the agreement.

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 03-02-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent Equifax a letter on XXXX XXXX 2016 certified mail proving that they did receive my letter. The purpose for sending the letter is because I see several things on my credit report that do n't belong to me. I sent Equifax supporting documents including a police report of the identity theft incident. Euifax never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Payday loan () with CASHCALL, INC. (OK).
Issue: Charged fees or interest I didn't expect

Complaint: We needed money to pay the rent, car, and food for the two months I was without a job. I am not educated with money and we needed money really bad. I borrowed XXXX dollars from XXXX XXXX / Cash Call. There was instantly a XXXX processing fee, so I basically borrowed XXXX. Since XXXX 2013, I have been paying XXXX dollars per month. Today, I still owe Cash Call 2500 dollars. The interest that I am paying against is evil. I will never be able to pay this off. To date I have already paid approximately XXXX for a 2300 dollar loan. I do not know what to do. I have paid XXXX the principal of the loan. And I still owe them XXXX. I did not know that this loan would be literally putting me in a mountain of revolving debt that I will never be able to pay off. I would like to report them for convincing me to take out this loan. This is a scam. This has caused major hardships for me and my family. We need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX has made many attempts to collect a debt originally granted from GE Money Bank. They are reporting this collection to my XXXX credit bureau reports. After many attempts on heir part I finally agreed to pay {$25.00} a month and they are direct drafting payments from my bank account. However, CFPB ADMINISTRATIVE PROCEEDINGFile No. XXXX has now come to my attention and I believe that I qualify for protection/relief under this action.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: US BANK, As Trustee, Successor in Interest to XXXX Bank, NA, as Trustee For XXXX Mortgage Trust XXXX XXXX XXXX, MN XXXX XX/XX/2016 QUALIFIED WRITTEN REQUEST XXXX : Acct # XXXX / XXXX To Whom It May Concern : This request for information is submitted pursuant to Regulation X XXXX under RESPA. This request is not duplicative of any prior request for information on the above referenced loan account ( XXXX ). 

We have received correspondence indicating that a certain XXXX was consulted and named as a " Foreclosure XXXX '' representing US Bank, As Trustee etc. in a foreclosure matter in New York. Please provide the following information within the time frame pursuant to applicable regulations : 1. Is XXXX an employee of US Bank XXXX XXXX? 
2. If so, How long has she worked there? 
3. What is her official title? 
4. What is her job description? 
5. What training is required for her title designation? 
6. Provide the name of the department or division she works in. 
7. Provide the name of the department or division head. 
8. Is XXXX XXXX authorized US Bank to participate in a foreclosure action? 

Thank you for your cooperation and timely response. 


Yours truly, XXXX Cc : Consumer Financial Protection Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a large amount of private student loans through XXXX now Navient - which i did n't submit for each year that they say i did. Now because i have a very large amount of private loans i ca n't afford to make the payments and have tried working out several payment plans with the loan administrator and have been unsuccessful. I did have an arrangement set up for interest only payments for about 3 years which was affordable but obviously not paying down any of the principal. Today, Navient automatically withdrew {$850.00} from my account with no notification. I tried to negotiate with them for an income based payment but they insist that they have no such program. I simply ca n't afford those payments. I will happily pay what I owe, however, that amount is absolutely not something I can afford. I called them promptly and they said that the only program I 'm eligible for is an EXTENDED payment plan, payments of $ XXXX - a little more workable which puts me not paying off my loans until XXXX at which time, I 'll most likely be DECEASED! I have begged them to put me on some sort of income based repayment program which they refuse to do. There are various reasons why I 'm in financial trouble. XXXX being that I was sick and out of work for 4 years with no insurance and just recently received a social security settlement for back pay for that time. I used all my deferment time during that period. I have since returned to work and ABSOLUTELY ca n't afford the options they 're giving me. If they do n't work with me, I will be forced to file for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my condo in XXXX MA in XXXX 2012 in a short sale. Nationstar Mortgage was the servicer on my 1st mortgage which was paid in full at the time of the sale. 
Three and a half years later Nationstar is showing up as XXXX separate dings on my credit report. XXXX dated XXXX indicated start of foreclosure although I was never notified of any such action and never received any paperwork upon sale of the property. The other item is dated XXXX is fraudulent. 
I want these items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 07/15/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (OH).
Issue: Shopping for a loan or lease

Complaint: I purchased a Honda Accord in 2012 at the Honda of XXXX in Ohio. I was sent an advertisement for a XXXX percent interest rate and thought I 'd take advantage of the opportunity. Once I arrived at the dealership and consulted with XXXX XXXX, she informed me that not only did I not qualify for the XXXX percent interest rate but I also had the option of only XXXX car at a higher interest rate, around five percent. I thought this was odd because my credit score was XXXX at the time but with her pushy tactics, I felt forced into the deal. She told me that I did not qualify for the XXXX percent rate but there was another program I qualified for that included higher rates. Last year, I went to another dealership, Honda of XXXX in Ohio, to trade my car in and I was told about restrictions against a trade-in deal. I found out that the Honda of XXXX dealership overcharged me for the car and I was responsible for excess charges. The salesman at the Honda of XXXX also informed me that Honda of XXXX was known for schemes such as the one I am now entangled in. With the recent lawsuit filed against Honda concerning discrimination, my situation aligns with the trouble I have been and still am experiencing. It was as if Honda drew me in just to take advantage of me. I am a middle aged black man.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was conned into consolidating my loans at a higher interest rate. I was not aware of the significance of this. My payback is much more than desired. Its a rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (FL).
Issue: Problem when making payments

Complaint: This is my second complaint. I was told I would only be contacted and yet my family and friends have continued to receive harassing calls. At this point I will be contacting an attorney in regards to privacy and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  and XX/XX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XXXX XXXX, I signed all the required information and had my affidavit notarized by my local Notary Public in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past six months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit 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 explanation
Consumer complaint received 03/22/2018 about Debt collection (Other debt) with ERC ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 1. Ive never had a phone from this company. Ive reach out trying to see exactly when this bill was acquired, and exactly how much of my personal information was out there. They had me name and my social security number but they wouldnt give me anymore information. 
2. XX/XX/2013 is the date that the bill was acquired. 
3. Collection bill is XXXX {$4.00}. Collection company is XXXX XXXX XXXX. 
5. Original collection company is XXXX 6. Ive tried to explain to them that is not my bill, and I should not have them calling or sending letters trying to get me to pay it. They do not care they only want the money I do not know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted and sent a dispute letters to the companies regarding that I never opened these accounts. However, they refuse to remove them from my credit report. I was incarcerated doing the time these account were open

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: I own a property at XXXX XXXX XXXX XXXX XXXX fl XXXX. In XXXX, I received a letter saying that XXXX, XXXX was taking over that mortgage and my other mortgage at XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. 
The letter stated that nothing about the mortgages at all would change. 
I had the house at XXXX built and was built on an elevated lot in XXXX. From XXXX until my mortgage was transferred in XX/XX/XXXX, no flood requirements were needed as the house is elevated. XXXX assumes the mortgage and says that FEMA remapped in XXXX and now requires flood. I contacted FEMA and they said that wasnt true ... .it was not remapped in XXXX. I told XXXX this and they said FEMA was wrong and that I had approximately 25 days to get flood insurance or they would place a {$2600.00}. flood policy in escrow against my mortgage. I re-contacted FEMA and they advised me to submit a removal request. FEMA said this process usually takes 60-90 days after I get them info from the flood plain manager in XXXX. I called/emailed/contacted XXXX, asking them for an extension and never heard back. I tried more than 20 times to reach XXXX concerning this matter. NO reply from XXXX. 
Since I didnt hear back from XXXX, and felt that the {$2600.00}. was an extreme amount, I purchased my own flood policy for {$360.00}. I emailed them asking if they received it in time and they said yes. Both myself and my insurance agent sent this to XXXX. XXXX still placed an additional 2nd flood policy against my mortgage. They are now trying to do this with my residence at XXXX XXXX XXXX XXXX. When I emailed them to figure out why they are doing this, they replied that they would get me an answer in about 30 days! 
I have had and flood policy for years at that address. SPS are requiring 2 policies per property. They want {$2400.00}. for that policy ... I paid a little over {$310.00}.! 
I can not reach anyone to provide me answers. 
Can someone please assist me with this? I have close to 60 hours involved in this and zero answers. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice from Professional Account Management, LLC ( PAM ) ( acct # XXXX ) stating that I owe {$250.00} and they are collecting that amount on behalf of the XXXX, DC Department of Motor Vehicles. In the letter the company states that the {$250.00} is for an unpaid speeding ticket from X/XX/2012 for a vehicle from Pennsylvania with license plate # XXXX. I was surprised to receive this notice because I have never owned a vehicle in Pennsylvania with that tag. Also, I do not recall ever being stopped by a cop for speeding. Further, the letter says that PAM has made several unsuccessful attempts to contact me, but I never received a call or a letter until the current notice. For the past 14 years I 've been a resident of DC with an active driver 's license and the same phone number, so it should have been easy to reach me. I now have tried to contact PAM several times via phone to dispute this debt and have been put on hold upwards of 15-20 minutes several times, but was never connected to an agent. I look forward to an explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (Store credit card) with Atlanticus Services Corporation (OK).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: My husband and I both applied for a card with Fortiva separately and both got approved for 6 months no interest and a {$1500.00} credit limit. The company did not apply the 6 month no interest to my card and is now refusing to do so saying no I do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX ( XXXX in XX/XX/XXXX-XX/XX/XXXX ). I was asked to leave the school because I challenged the lies they told us about credits transferring, job pay rates after graduation and their methods of teaching and testing. I contacted Navient to being able to stop having to pay for this loan. I submitted paperwork they sent me and I was denied. I was clearly harmed by XXXX and lied to. I was again forced to leave the XXXX, Ohio location by an XXXX, XXXX XXXX. Not only was I denied relief from this loan, but was forced into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with CITIBANK, N.A. (NM).
Issue: Closing/Cancelling account

Complaint: citi became the new credit issuer for best buy and home depot. I was then discovered that my spending limits were slashed for no reason and was never notified. Never late with payments. I then notified citi I was cancelling this acct. They immediately shut down my on line access and since I went paperless, there was no way for me to pay my bill. I called again and they said when accounts are cancelled, so is the on line access. They then said they would send a paper bill but it would take a while. And in the mean time, they reported to the credit reporting people that my acct was 2 months late and my score dropped XXXX points, greatly hindering my abilities to obtain anything. They should have told me about shutting down my on line access when I cancelled my acct but they didnt. I am sick by what they have done to me as its taken me a while to rebuild my credit over time and they just ruined it and me. Some action needs to be taken against these criminals.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've tried several times unsuccessfully to have some inquiries removed from my credit report as they are reporting inaccurately. I finally spoke with an agent who looked over my credit report and stated that these items would be removed due to them being reported inaccurately. I was told that my credit report would be updated in 24 hours with these inquiries removed. On today XXXX/XXXX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Other

Complaint: Target report me to credit agencies for a card my adult son XXXX XXXX obtained and did not pay. This is illegal and Target is refusing to do anything. I am ill and can not have this occurring especially now. XXXX just called and told me.

Company response to consumer: Closed with non-monetary relief