milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX, account with XXXX XXXX was placed in collections and transferred to National Credit Adjusters ( NCA ), per credit report, and open date reported XXXX XXXX, inaccurate. 

From XXXX XXXX, NCA contacted me and family received phone calls and my personal information was disclosed to family members. I received at least ten phone calls per day. I was threatened with communication tactics including numerous phone calls. I received phone calls and voice messages stating that a sheriff would serve me papers at home or work if debt was not paid, and I had one or two days to contact them before I was served. After the phone calls and threats, I contacted NCA. 

On XXXX XXXX, XXXX, I called NCA to get info about account. Was told account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX, and that they did not have my file anymore. 

XXXX XXXX, XXXX, I contacted XXXX and they stated that I owed a balance of {$640.00} balance, and if I paid {$320.00}, would receive a paid in full letter via mail, I paid the {$320.00} to XXXX. 

On XXXX XXXX, XXXX, sent an email to XXXX requesting a paid in full letter ( pifl ) and they provided me with a {$0.00}, in which they emailed me a letter ( see pifl letter ). 

XXXX XXXX, XXXX, I contacted NCA and representative stated I could send them the pif letter XXXX sent to me, and they provided me with an e-mail address. I emailed the pifl to NCA and received a response stating they could not accept letter, but need the correspondence directly from XXXX. 

After many calls to NCA, and them stating that they do n't have my file anymore but to contact XXXX, but NCA are reporting account. It is frustrating. For example, XXXX call to NCA, I spoke with a representative she stated I should 've paid debt in XXXX and the balance will not be changed overnight and I should 've paid debt a long time ago and they will continue to report {$640.00} on the XXXX and the XXXX of each month until they receive correspondence from XXXX. 

On XXXX XXXX, XXXX, I requested that XXXX send pif letter to NCA to update my {$0.00} balance. 

On XXXX XXXX, XXXX ; I was notified from credit bureaus that my balance with said account was {$320.00}. 

On XXXX XXXX, XXXX, I e-mailed NCA again to update accurate information with {$0.00}. 

NCA are still reporting that owe {$320.00}, last reported XXXX XXXX XXXX, XXXX ) and payment status is reported as a collection/charge-off, account status derogatory, no payments reported. They are still reporting the XXXX and XXXX of each month with inaccurate information. 

I have not had a pay day loan with XXXX XXXX since XXXX, never received verification of debt, but was scared of the threatening calls and being served papers by the sheriff office.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit on a free website called   XXXX   XXXX   and i noticed a some negative collection agencies i know nothing about ... Tried contacting agency but so far i havent been able to reach anyone to fix this the issue ...     I have been trying to apply for a bank account and start my credit but since the negative account are on there i have being denied credit ....

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a mortgage modification with my lenders XX/XX/XXXX, XX/XX/XXXX and was denied because they said in XX/XX/XXXX I did n't get all documents in which is incorrect then XX/XX/XXXX they said they denied me for Tier 1 and tier 2 because of my income I thought when modifying your loan it brings the interest rate down to 31 % of your income. Well now they said I was denied because my investor has decided to drop my taxes and insurance because of the value of my property and its not in their best interest to modify and they will not add escrow. Well when I purchase this home I had taxes and insurance on my mortgage is it legal for them to just take taxes and insurance off my mortgage if they want to? I am now {$28000.00} in arrearages with my mortgage my house is only appraising at {$35000.00} and I owe then {$61000.00}. What are my options to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a corrected validation of debt notice from Selene Finance. This debt collector started contacting me by phone on XXXX XXXX. I have several calls contacting me during the day and during the night. When I asked them for additional information in regards to the debt that they were collecting, they were unable to give me an answer. After making a research in the XXXX XXXX records, I found that the property that served as a collateral of a loan that was included in my bankruptcy discharged was still under my name, despite the efforts of trying to giving the lender a deed in lieu. Notice that the lender at the time was not the current debt collector. Then i requested a debt validation to Selene Finance and the failed to submit XXXX. After many calls, i finally received a letter dated XXXX/XXXX/XXXX stating that they mailed a validation of debt on XXXX/XXXX/XXXX but they omitted some infromation and now they are sending a corrected validation of debt notice. After I review all this information, this debt collector is threting to sue me for the amount of the debt that they submitted on this notice. The reference debt is past due since XXXX/XXXX/XXXX per Selene Finance records and this debt was inclueded in a Bankruptcy discharged in XXXX. I have checked XXXX and confirmed that the status of limitation on this type of debt has expired and I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. This is a violation of the rules and regulations of the CFPB that strictly prohibit creditors and /or collector from attempting to sue a consumer over the time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They call every day. They ask for XXXX XXXX. They say it 's an attempt to collect a debt. They say if you are not XXXX XXXX, hang up and call this number. I called the number a year ago asking them to stop calling me. They agreed to stop, but I am still getting calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade and their affiliates can not be trusted. XXXX states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, XXXX will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than XXXX complaints against XXXX trying to get a copy of the arbitration agreement and each time XXXX responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

I would like to file arbitration against XXXX. XXXX has refused to provide me with a copy of the arbitration agreement. Can you please provide a copy of the arbitration contract.

Company response to consumer: Closed
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My current mortgage company ... .Ditech..formerly Green Tree Servicing charges a {$12.00} convenience fee for electronic check payments through their own website. I find this fee to be egregious and hypocritical given that hey are encouraging everyone to move away from paper bills only to then " ding '' people {$12.00} for paying online. This is not new technology and certainly does n't cost them {$12.00} to process. Your assistance is greatly appreciated. 
Thanks, Consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with MOHELA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Mohela was my loan servicer for several years until XX/XX/XXXX/XX/XX/XXXX when I transferred to XXXX in anticipation of XXXX day filing for the XXXX XXXX ( PSLFP ). Upon reviewing my payment history with XXXX, I learned that Mohela had failed to put me on a standard ( " level '' ) PSLFP eligible XXXX repayment program in the summer of XXXX. This was despite the fact that I specified clearly in telephone calls with them that this was what I wanted and despite the fact that I had been only on other PSLFP eligible payment plans prior. Instead, Mohela, without my knowledge and understanding, apparently put me on a standard XXXX plan, which I did not realize until recently. ( This also begs the question - why would I want a XXXX month plan? ) As a result, XXXX informed me that none of the payments I had made since XX/XX/XXXX would likely count as qualifying payments for purposes of the PSLFP, since only XXXX term standard level payments plans qualify, in addition to XXXX, XXXX, and Pay As You Earn plans. 

In addition, at the same time ( summer XXXX ), Mohela failed to inform me that I was eligible for a payment plan with lower monthly payments ( either the Income Contingent Repayment plan or the amended Pay as You Earn plan ). This was despite the fact that I clearly specified in telephone calls with them that I wanted the PSLFP-eligible payment plan with the lowest monthly payments. Again, I only learned that a payment plan costing less per month should have been available to me once I was switched to XXXX. I estimate that this error on Mohela 's part cost me over {$3500.00} over the course of XXXX months.

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 Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (UT).
Issue: Taking out the loan or lease

Complaint: I applied for a installment loan through spring leaf financial website. I received XXXX phone calls after I completed the application which I was unable to answer as I was at work. I called the next morning, and after an hour on the phone I had to get off and go to work and nothing was resolved it took that long to find my application which had me concerned. I called back on my lunch break and spoke to a representative that stated she would assist me in finishing my application. I went through all the questions, income, finances, assets etc, she then transferred me to XXXX to complete the application. He completed the application and said that he would be emailing me documents and I need to send in my check stub and my XXXX to verify my stated income which I though was odd as I am only applying for XXXX and I already had a previous loan with them on XXXX which I paid off. I explained this to XXXX to which he stated they still need the information and will have an answer once I submit these documents as to if my loan is approved or not. I though this was odd because when I submitted the application at the end on their website it said I was approved for a {$2000.00}. XXXX assured me he was emailing me the documents and to send them in asap. I still have not received the email and I am unable to reach spring leaf

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian, i submitted a complaint, in XXXX due to experian social account ws hacked, in XXXX, social securiy account # ws hacked, i filed a complaint earler with the cfsb, this year again due to many discrepancies, with experian, crooked credit agency, they sent me a credit pooor XXXX, mine shoule be XXXX, i am still protesting and want my credit score increased immediately, this has cased ma a, late retirement and also high interest rates on a leased vehicle i purchased in XXXX..Please review again and Issue restaints.Thank you XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, ma. 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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a loan with XXXX XXXX, that was paid off by XXXX -- a Company that helps with student loan debt. Persels closed their operation. A year later, I received a letter from Navient Credit Solutions stating that I owed a balance and interest had accrued for the past 18 months. 

I attempted weekly to obtain verification of the debt and have never received it. I even offered to pay the minimum balance to bring the account out of default while I disputed the debt. 

My Credit Report is clean, yet they still maintain I have and owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: Wells Fargo is reporting a mortgage on my credit report that was awarded to my ex wife XXXX and should not be on my credit report. I have attached documents to support my claim.

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 07/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been working with Navient for a few years ever since they went from   XXXX   XXXX   to Navient. Initially, they kept having me put my loans in deferment/forbearance and then stated that I had no other options for re-payment and just needed to pay what they were asking. After going back and forth with them they stated that they had a " income based re-payment plan '' that they could put me on. The payments were almost just as high and I still could n't make those payments. I 'm currently still on the payment plan but I am still having trouble making the payments and they say there is nothing more they can do for me. Sorry I do n't have dates.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Transaction issue

Complaint: I returned merchandise to the XXXX XXXX for a refund over 30 days ago. I still have not received a full refund and when you check the credit card statements, you can see where the credit was applied to the account and then taken back on the same day. There are about XXXX cherges that have not received a matching refund from XX/XX/XXXX to the present. I have reported this to Merchant Disputes but I still can not get any solid answers as to what is going on. I am trying to determine if the credits on my account are : 1 ) correctly reported from XXXX and 2 ) if the credits that were taken away from me were taken away by XXXX or my credit card comany as a re-billing for fraudulent reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Purchased a new vehicle and upon going through the process of getting financed my information was submitted to  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX , CT  XXXX  and in return I received a declined letter from a SageStream , LLC who states  my credit score is substantially lower than what it actually is.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I previously submitted a complaint regarding a IRS Withdrawl for XXXX which should have been deleted from my Credit File relating to Lien XXXX. 
Equifax claimed in there last response below that is was deleted from my file. However the XXXX is still appearing on my credit report and is drastically affecting my credit score which is causing a major hinderance in obtaining new credit. 
XXXX is part of XXXX and was reporting as a duplicate on my credit report from the beginning and needs to be deleted. This has already been Withdrawn by IRS. 
IRS Serial Number for Release & Withdrawl of this included amount of XXXX is Serial Number : XXXX. 
Also, they retaliated with my prior complaint and reinserted XXXX prior State Tax Public Records which were previously deleted. This is blatant Credit Discrimination in itself and I am requesting the XXXX Public Records be removed from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Experian numerous requests to investigate, verify and remove accounts from my credit report and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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/XXXX that 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 further exacerbated this risk by waiting over 1 month after discovering the breach before notifying the public. 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 02/13/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan modification,collection,foreclosure

Complaint: dual tracking ... .. bank of America is attempting to foreclose on the home without a court date i have submitted all of the paperwork to the bank and they are trying to keep the sales date and prolong the process without contacting me ... .. fraudulent deeds were submitted .... payment history that only dates back to XX/XX/XXXX ... .. bank of America is illegally attempting to extort extra money for this home .... a sales date of XX/XX/XXXX is set without going to court

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 02-10-2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Credit card protection / Debt protection

Complaint: Synchrony bank- for Walmart- I reported on XXXX XXXX to their fraud dept that I did Not apply for a Walmart credit card. They gave me a claims number and recommended that I review their website for reporting identity theft. On XXXX XXXX I am getting another synchrony bank email asking about my application. Obviously their fraud dept Is inept, has been hacked or a fraud itself.

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 10-05-2017 about Student loan (Federal student loan servicing) with ACS Education Services (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have a XXXX XXXX loan with ACS Education. I have made all my payments online and on time, always on the 1st of the month, for almost 8 years now. This month, when attempting to pay my monthly bill, I have not been able to access my account. Each time I sign-in with what I have verified multiple times as the correct login information, I 'm told the service is temporarily unavailable. I have sent multiple emails to customer service both through the website and directly from my personal email account detailing the problem and attaching screenshots showing the issue. I have also attempted to contact customer service via phone, but the system will not let you talk to anyone until it recognizes your SSN and DOB. Despite repeatedly entering these accurately, the system claimed it did not recognize either so I 'm unable to reach anyone to resolve the issue. Further complicating this is that I do not have an account number to include on a check to mail to ensure my payment is processed correctly because ACS uses my SSN as an account number - and I think it is really dangerous to include this on a check.

I have received no response or from ACS, only acknowledgments that my email has been received and that I will receive a response in 48 hours. This has not happened, and I have been having the same problem for four days now, putting me in danger of submitting a late payment! This is clearly a way for ACS to force late fees or other issuers on its borrowers, with little or no borrower ability to contest! Please contact someone at ACS to make sure they know this is happening and ensure that borrowers are not being unfairly penalized for the servicer 's incompetence. A quick XXXX  search on the web will show you that ACS has in the past caused similar problems for other borrowers and this is really hurtful - particularly for those of us who do everything we can to make our payments responsibly. I thank you for your time and please feel free to contact me directly if you would like further details.

Company response to consumer: Closed with explanation