milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : XXXX   and XXXX Report Date : XX/XX/XXXXCollector : Navient Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
( XXXX ) XXXX Creditor : XXXX XXXX, Dept. of Education Account Nos. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, Navient Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations Navient is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the U.S. Department of Education, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this Navient Solutions continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with Navient their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as Paid as Agreed with no negative comments. The XXXX XXXX account numbers are Identical to the Navient Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as Navient is reporting. I have done a bit of research on Navient Solutions and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XX/XX/XXXX reports from XXXX and XXXX and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the Dept. of Educations receipt of the application including the date submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX Bank sent me a XXXX C debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to XXXX, XXXX, and Experian as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.

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 07/20/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Someone stole my identity and ordered products from XXXX XXXX. When I found out about this checking my credit report, I immediately contacted them and spoke with a supervisors and they said they will handle this. A couple months later they sold the debt to another company which is illegal because I informed them that it was n't me. The name of the new debt collector is Jefferson Capital System opened XXXX XXXX 2015. This has really affected my credit score and I requested them to send me the information they have on file for me and delete the fraudulent charges. The balance is {$2600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Mortgage (VA mortgage) with LoanCare, LLC (GA).
Issue: Credit decision / Underwriting

Complaint: I have a Mortgage with XXXX XXXX which was serviced by LOANCARE. The mortgage was recently refinanced and paid off. I inadvertently sent in a loan from my bank 's web bill pay after the loan was paid off and that account number was closed. I have been trying for close to a month to get the money refund. Three phone calls just today alone and I was shuffled from one customer rep to another repeating the same information over and over. I have called LOANCARE 6 prior times and fax them the info they asked for which they said they did not received. I even verified the fax number was correct with a customer representative. 
In one phone call the customer service rep placed me on hold and after 10 minutes on hold a different customer service rep picked up the phone and so I had to repeat everything all over again. She then placed me on hold and next thing I know I had a dial tone. 
There is no doubt in my mind that they do not intend to give me my money back and is stalling hoping I will go away. But i am talking about almost a thousand dollars. Now they want me to email the same information they did not received via fax even though I verified I sent it to their correct fax number.

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 02-03-2018 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Please refer to # XXXX and # XXXX submitted on XX/XX/XXXX and XX/XX/XXXX respectively regarding the issues with XXXX or XXXX. 
Previous complaint ============================= At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XX/XX/XXXX. I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT ally ). I reached out to Ally and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this. 
============================= Now Spoke to XXXX at XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX CST. Have the entire recorded conversation and could share with you. Previous complaint. Till now this issue is going on. My payments ( made to my cell # ) some times goes to Ally Bank and sometimes to XXXX XXXX. I have to maintain two accounts and it's a lot of hassles. Nobody ( Ally, XXXX XXXX and XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ... Wasting time with Ally, XXXX XXXX and XXXX customer service for no fault of mine.

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 04/29/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I received an email yesterday from my homeowners insurance company ( XXXX XXXX XXXX XXXX ) ; stating that there had been changes made on my policy. I then emailed my agent requesting whom had made changes and that I had not given anyone authorization/permission to change anything on my existing policy. My agent emailed me back and stated that PNC Mortgage, had requested that all bills be submitted to they for payment. HOW DARE PNC MORTGAGE MAKE THIS REQUEST WITHOUT. MY AUTHORIZATION. This is my homeowners policy that I opened and was paying on. XXXX can verify that I was paying my payments timely. Last year PNC Mortgage was charging me for their insurance coverage when I had XXXX and I was never refunded. PNC Mortage has taken my mortgage payments and applied them to my insurance ; then I would receive letters stating that my escrow account had a shortage ; then interest and fees were applied when I have receipts showing that my mortgage payments were timely. Then PNC would report my payments as late and send a report to the credit bureaus. I have lived in my home for 21 years and NEVER have my previous mortgage holders ( XXXX XXXX ), have ever tried to control my homeowners policy. XXXX XXXX would only request a copy of my declaration page to show that I had coverage. I an tired of PNC Mortgage doing whatever they want to my mortgage account and I want them to STOP!! PNC Mortgage treats me as if I have 'NO RIGHTS! ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (I do not know) with Express Recovery Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Express Recovery Services is reporting and attempting to collect on a debt that is n't mine. They sent something that showed my signature forged. I 've never done business with this company and I need them to remove it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: On XXXX/XXXX/15 I was on XXXX XXXX XXXX XXXX ) booking XXXX airplane tickets. At the end of the process, during check out, CitiCard offered a AA branded credit card with numerous incentives XXXX miles, status, extra points, etc. ) if I applied and used it to pay for my tickets ( ~ {$9000.00}. ) Weighing the benefits vs. carrying another credit card - and another inquiry into my account while I 'm in the midst of moving and having to buy a new house - I went thru the process. 

I got approved and the person on the phone told me I was to get a {$17000.00} credit line. 

I used that to buy my tickets. This morning XXXX/XXXX/15 I checked my email and XXXX for receipts. Nothing. So I call XXXX and find out CitiBank is declining my card. I call CitiBank and they say it should n't decline. We try again. I call back Citibank they now say that I only get temporary {$3500.00} amount. I tell them no one has told me this until my now XXXX call and that I would never have applied nor hit my credit score if this was the truth as I can no longer get any of the incentives. So, I ask them to cancel the application - because if as they say it is just a temp account - then lets not move forward. They refuse. They tell me I have to let the application go thru and then wait to physically get the cards and then cancel. 

I ask to speak to a supervisor XXXX XXXX XXXX - she also refuses to either let the charge go thru or to cancel the account. I ask if there is someone more senior - she refuses. I ask if they can give me the name of their customer service head - she refuses. Any information I ask for she refuses. 

Ultimately this is a very deceptive practice that will impact my credit score/record. Not to mention CitiBank 's total lack of desire to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (I do not know) with Brock & Scott, PLLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Please be advised, Brock & Scott , PLLC has violated the Fair Debt Collection Practice Act, and as a result I have suffered tremendously. In the process of refinancing my home, an account from Brock & Scott , PLLC was presented to me as the reason for my refinancing loan being denied. Prior to XXXX 2017 I have never received correspondence from Brock & Scott , PLLC. Brock & Scott , PLLC claims that I owe {$11000.00}, in addition Brock & Scot, PLLC claims that there was a lien placed on my home due to a financial relationship I held with their client XXXX Bank. 
The first violation Brock & Scott , PLLC committed was failing to contact me providing initial correspondence of this debt. Brock & Scott , PLLC failed to notify me of this debt. Brock & Scott , PLLC did not offer me an opportunity to dispute, validate, or litigate in this matter. 

In addition this debt and account violated the statue of limitation, and all records associated with this debt which can impact financial matters should be dissolved. 

In addition Brock & Scott , PLLC is attempting to collect on a debt and fluctuating the amount of the debt by adding interest to the amount they claim I owe. 

Furthermore, any financial relationship I held with XXXX Bank, was discharged in bankruptcy prior to Brock & Scott , PLLC litigation in this matter. Brock & Scott , PLLC has caused me to suffer deeply for their negligence. I am currently in the process of trying to improve my home and other aspect of my life, yet Brock & Scott , PLLC has not only violated federal law, but they have cause pain, suffering, and financial difficulty due to their egregious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My mother passed away, and I was n't aware I was responsible for this payment, and when it became known no one else was going to pay it, I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This number out of XXXX Wisconsin keeps calling me : XXXX saying they are a debt collection agency ... for debt they do not identify. It is a recorded message with a woman with an XXXX accent named XXXX XXXX. The toll free number they say to call them back at is : XXXX. Recorded message says they are Transworld Systems ... when in fact they are XXXX XXXX XXXX.They keep calling from different XXXX numbers out of the XXXX area ... I have XXXX numbers blocked from them now. I do n't owe anyone any money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I wanted to pay off my mtg. No information provided on statement. Had to call XXXX, Cust. Serv. Teleprompt - provide loan #. I did. Additionally, I had to provide last 4 digits of S.S #. I did. " XXXX '' identified herself. I asked for loan pay off quote, as written on my statement. She did not understand the ques.. I ask if she is located in the United States. Her response, no. I ask for representative in USA. I was supposily provided one, XXXX, and I have no way to verify that she was in the USA. In this era of identify theft why is my identifying information allowed to be collected from outside of this country? Should n't I have received a warning first? Company is Nationstar Mortgage. Please stop this from being allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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: XXXX XXXXXXXX XXXX SENT A LETTER TO ME AND EQUIFAX DEMANDIN G THEY REMOVE ALL XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX TRADELINES FROM MY CREDIT REPORT. 

XXXX XXXXXXXX XXXX XXXX NO.XXXX XXXX NO.XXXX & XXXX NO.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Late fee

Complaint: I recently applied for a credit card through Amazon.com which cards are affiliated with CHASE Bank. I have only had the card 3 months and have been making timely payments sometimes twice a month. I recently paid my account on XX/XX/XXXX for XX/XX/XXXX. I was sent a email stating they didnt receive payment this month and it is late and they attached a XXXX fee. I made previous payment in XX/XX/XXXX for XX/XX/XXXX with no problem. This time I was told, I paid it too early I have to wait. My bill is due on thXXXX of each month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2017 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received calls and letters from this collection agency threatening to take action against me if the debt in question is not paid by me. I have explained that this debt is not mine, that it is a result of identity theft and I have furnished the collection agency affidavits and other documentation in hopes that their collection efforts will cease. The last documentation I sent was sent to them via certified mail. This agency continues to harass me in attempts to collect a debt that is not owed. The credit reporting agencies have flagged my file with the appropriate documentation to reflect the identity theft fraud and so should the agency.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: RE : Previous Complaint No. XXXX Equifax 's response to this complaint ( RE : my XXXX XXXX XXXX  account ) WAS A LIE. They said that they had removed the language concerning " customer disputes information. '' I received a copy of my report on XX/XX/XXXXdated XX/XX/XXXXAND THE LANGUAGE IS STILL THERE! 

EQUIFAX IS TOTALLY INCOMPETENT! LITTLE WONDER THAT OUR INFORMATION WAS HACKED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: In the process of refinancing my home mortgage. My refinancing company called and faxed Green Tree Mortgage to get payoff. Green Tree never responded with payoff in writing for my refinancing company to complete my new loan. When I contacted Green Tree by phone to request payoff, I was told my account was flagged and they could not talk to me about any details. When asked to know reasons for this situation, I was told to have my lawyer talk to their lawyer. This is my own account, why do I have to hire a lawyer to talk to their lawyer. My account is in good standing ; no late payments until now as I was advised not to pay XXXX that it would be rolled into the new loan. I sent XXXX payment to Green Tree today XXXX XXXX by on line banking as Green Tree refused to take payment by phone or allow me to do on line within their Green Tree system. I was told by Green Tree that if I did not pay by 30 days that it would go on my credit rating for seven years. My refinancing of my new loan is at a standstill without any explanation from Green Tree. I also faxed Green Tree to state what was going on my my account. No response. I sent message to Customer service within their Green Tree system. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In XX/XX/XXXX We took a loan for XXXX from XXXX XXXX XXXX, which later was bought by XXXX XXXX XXXX XXXX XXXX  for a property located in XXXX County, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online

Company response to consumer: Closed with explanation