milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I consistently made payments on time. Beginning in XXXX 2015 my payments started not to be posted to my account. In XX/XX/XXXX I started getting calls from myloancare saying my XXXX payment was not made. The phone calls were automated, without opportunity to discuss. I sent an E-Mail to customersupport@myloancare.com with evidence of the payments. I received a ticket number and automated response, but to date have not had acknowledgement of the payments made in XXXX and XXXX. There are now five payments sent with confirmation from my bank, but myloancare does not respond to my inquiries, and continues to make automated calls to me. I called on XXXX of occasions, and only once was I able to get through to a customer support representative. I provided the ticket number sent to me, and all related detail with no results. The customer support representative refused to allow me to speak with anyone that could actually help resolve the issue, and essentially said that the phone calls would continue until the issue was resolved. I asked to work with someone that could resolve, but was refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Federal student loan servicing) with National Budget Planners of South Florida, Inc (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: About a year and a half ago I contacted an outside company regarding my student loan. I was trying to get my amount lowered due to financial difficulties. They explained to me that they would take care of all necessary paperwork every year and it would only cost me {$39.00} a month which would be added to my monthly payment. I 've had to contact them regarding the paperwork because they have not stayed on top of it. I was also informed that they should not be charging me a fee to do what is basically free. This is not something that I was aware of until recently. Unfortunately there has been no paperwork for me. Nothing that states what I am paying and what the amounts are going towards. The only paperwork has been my pay stubs that I have submitted to them for income verification. I am, however, attaching a copy of my bank withdrawals.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While checking my personal credit report, which I acquired from Equifax, I noticed XXXX inquiry made by your company on three consecutive days ( XX/XX/XXXX-XX/XX/2016 ). I do not recall applying for credit or employment with XXXX XXXX XXXX . 
I did not authorize anyone employed by overstock to make an inquiry and view my credit report. they have violated the Fair Credit Reporting Act Section 1681b ( c ). they are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 
I requested that overstock either mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. they simply sent a response that this is correct. Again, it is not, and i have sent a certified letter that was signed for on XX/XX/2016. A company simply looking at a screen is not validation of the inquiry and especially not XXXX in3 days

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was opened an XXXX XXXX XXXX XXXX XXXX. 

Card was sponsored by Synchrony Bank : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XXXX XXXX, XXXX. The Only 1st and last Purchase I have ever done on that card. 

I made full payment on the exact amount on XXXX/XXXX/XXXX with XXXX because they said, they have't received the check i mailed to them. XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties. 

XXXX XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from Synchrony Banck. 

At the end of XXXX XXXX, I have contacted XXXX Card Department, but they told me the account was sold to XXXX. 

I only Made one transaction on that account and it was {$36.00} which I paid in full. 

They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history. 

on XXXX XXXX, XXXX, I wrote a letter to _ XXXX XXXX Synchrony Bank and XXXX XXXX, On XXXX XXXX, I received letter from Synchrony Bank Stating this account / matter relating was sold to XXXX XXXX XXXX, on XXXX/XXXX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}

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 09/28/2015 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Afni Collections Agency reported false information to XXXX and destroyed my credit score. They never bothered to contact me about any of this. I only realized the issue after my credit rating dropped XXXX points. After calling them, they explained that the account was not even in my name. It turns out that Afni reported someone else 's delinquent account against my credit history. This is a clear case of defamation of character and Afni should be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Based on Experian Report Number XXXX ; dated issued XX/XX/2017 the following information is completely incorrect or erroneous : On the top right side of each page where it says " Prepared for : XXXX XXXX '' is incorrect. I have been trying for months to have this corrected since my real name does not have a first letter " XXXX ''. The correct first letter is " XXXX ''. I repeatedly state that my official name is XXXX XXXX but Experian refuses to correct this. All Experian has to do is look at my home mortgages and these documents will plainly show my correct name as XXXX XXXX. This harms me every time a potential employer, creditor or bank looks at my credit report. Experian is forcing me to be someone that does not even exist ( I checked XXXX ) hurting my credibility and reputation. I would like CFPB to intercede in this case because this name that is not mine and appears on every single page of my 22-page 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 non-monetary relief
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Okay so I had my bank account closed from spring bank last year, due to fraud I told the kn estimator that it was not done by me, and he accused me of putting the fake checks in my bank and told me to pay, I refused to pay and it seems like they have fclowed down my account and have send my information to XXXX XXXX XXXX, now that I have trying to open a bank account through XXXX and XXXX they are saying that I have a red flag, I need this red flag removed by XXXX XXXX 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 11/26/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: My car was repossessed in XXXX 2016. When I called Ally to find out how much it would cost to have the car returned to me, I was told that it would cost {$1500.00}, and specifically told that this included the XXXX payment, and applied as follows : XXXX thru XXXX payment - $ XXXX XXXX payment 377.81+ Late fee XXXX {$1500.00}. Ally now says that I 'm late on my XXXX payment because they applied {$400.00} to the Redemption Center. I 'm complaining because it was never disclosed to me about the Redemption Center fee, and because I did not follow the instructions to have the money wired to them, but rather mailed a cashier 's check instead to the usual payment location, instead of to the Redemption Center.

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 monetary relief
Consumer complaint received 09/15/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I tried to make my mortgage payment online but it would n't allow me to access any of the links. I tried calling to make my payment and it kept redirecting me to customer service which was closed. I have made all of my mortgage payments online until the above happened XXXX XXXX, XXXX. This is the second time in two years that my mortgage company has fraudulently tried to take my house from me. The first time was in XX/XX/XXXX. They always try to tell me I am behind on my mortgage 4 months but I am not. They come up with {$2500.00} in fees that never show up on my monthly statements. Last time they broke into my house and changed all the locks while I was out of town looking for work. The only replaced the locks and refused to repair the door. I was wondering if this is retaliation for a class action suit for forced insurance. I just want OCWEN to stop trying to steal my home under false pretense. I want to continue to make my payments online without interference from them. I missed XXXX mortgage payment so far XX/XX/XXXX so how can I be 4 months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: For the past 8 years I have always paid my XXXX XXXX mortgage on time and on the same date via their phone system. Recently I found that when I went to pay that my previous month 's payment was coming up late. I knew this could not be the case because I had a confirmation number and I also saw a {$15.00} phone transaction fee deducted from my account from XXXX XXXX the same day. Feeling confident that it must have been a bank error I called them and immediately paid both months. While on the phone I was also informed that they had reported me as late to the credit bureau! I could not believe it. Still I assumed that they would just fix it. Afterall, I was given a completed transaction confirmation number from them and they charged me the phone transaction fee on the due date so it was clear that I used their system so obviously I thought I had paid. In addition, I need to note that neither my co mortgagee nor myself ever received an email or voicemail alerting us that we were late on our payment. The bank claims that their telemarketers did leave a message. Absolutely they did not. If they had of course we would have responded asap as it was in our best interest to do so! I also have proof of funds for that week from my bank as I wanted to show them that I had the money in the account so they could see I could pay at that time. Ultimately after XXXX rounds of disputing this including contacting the President 's office to try to get XXXX XXXX to do the right thing they will not. Their final stance is that I apparently entered a XXXX when it should have been a XXXX when entering my bank account number in their phone system and because of this it is my fault and they will not do anything to help me. I have not seen their proof and believe that this could just as easily had been an error on their part. Even if it was a human error on the part of the customer, they have my 8 year payment history always on time, on the same day every month. They have proof that I did the same that month on that date as their system gave me a confirmation number! If I have a confirmation number and no one notifies me that there is a problem, how can I fix it? When I did go into my account later in the month and saw the late notification I called and paid on the spot. The end result for me and my co mortagee is that it has dropped my credit rating XXXX points from good to fair. This has enormous negative ramifications for me/us as we need to refinance the house this year and now do not know if we can and if so it will cost us more and the interest rates will be higher. None of this makes logical sense. Why should a loyal customer who has paid on time for 8 years and has paid out hundreds of thousands of dollars to XXXX XXXX XXXX Mortgage be left flapping in the wind like this for possibly, accidently entering a XXXX instead of a XXXX in the phone system while trying to pay my mortgage on time?! It is just insane. Can someone please help us?!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I signed up for 7 day free trial upon logging in to cancel I could n't find anywhere to do so, I left a message on XXXX XXXX ( handles fraud claims ) on XX/XX/XXXX approx time XXXX XXXX On XX/XX/XXXX I received message from a XXXX tele # XXXX stating she was calling to make sure the 7 day free trial was canceled off my bank card could I please give a call back. XXXX. Upon calling back she verified who I was my SS # and e-mail and stated she could n't find anything under either SS # or e-mail I signed up for, only thing I signed up for was a FREE CREDIT REPORT every month ; so do n't worry nothing would be charged to my card. I later checked my credit report only to find Experian had put a Medical bill back on my account which violates HIPPA ACT and my score has dropped 50 points. I have voicemail presently and she was very misleading. Along with ; has my bank card or is it going to be charged? I Stated on the XX/XX/XXXX on XXXX vm I  wanted my service cancelled Do Not Charge My Card!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian Report Confirmation number : XXXX Uploaded Letter dispute, sent notarized certified dispute letter to Experian on XX/XX/2017, Tracking # XXXX via USPS. Asking company to validate not verify inaccurate items on my credit report. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. If a credit bureaus, collection agencies or creditors can not prove the account or inquiry is my account in a timely manner ( 30-45 business days ) the account must be removed from my credit report. That means provide me with physical documents with your signature. 1.  Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Amount showing is incorrect. There is a fee listed for a carpet replacement that didnt take place, no records or receipts were show when i asked for physical proof, verification, not just validation.

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 07-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXX, one of Navient 's agent had me complete and file the wrong documents to apply for unemployment deferment. Instead she had me submit a forbearance and did not inform me of what can incurre on my loan during forbearance. I was just told that I will not be charged any interest while in deferment and that I will restart my payments in XXXX XXXX. My application was accepted XX/XX/XXXX and I was on what I thought to be a deferment. From XXXX XXXX to present ( XXXX XXXX ) I have been charged {$83.00} on each individual loan that I have consolidated under Navient Corporation and it has racked up to XXXX and my repayment date has changed to XXXX XXXX, XXXX but I am still receiving documents stating that I do n't have to pay until XXXX XXXX, XXXX. The agent and the supervisor I spoken to another agent and a supervisor over the phone and they could not explain to me why this was affecting my credit score, why I am being charged interest on a Federal subsidize loan and when I am actually supposed to start repayment. I was told that there was nothing they can do for the mistake that their agent has made and that I was advise to pay the Interes now so that it will stop incurring on my loans. I was also told that if I do n't pay the interest it will be capitalized on my current loan and will continue to incurre on my individual loans on top of the federal interest rate. I tried to look up all the documents that I have submitted online to Navient and was also advised that the documents can always be viewed there. But I found nothing of my submissions to be viewable, only letters sent by Navient Corporation was viewable so I ca n't fight the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Crosstown Law, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A law firm sent to me a letter stating that they were of counsel for XXXX XXXX XXXX , XXXX, and that they were stating that I made an identity theft claim on a debt with XXXX XXXX. This in itsels is a complete fabrication. I have attached both correspondences from XXXX and Crosstown Law, LLC. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated. 

The Federal Trade Commission made the following determination on the proper debt collection process through a lawsuit they filed in XX/XX/XXXX, resolved in XX/XX/XXXX known as FTC v. XXXX XXXX XXXX XXXX. There must be three criteria on the valid collection of a debt. 

# 1 The debt must be proved owed to the initial entity. 

# 2 There must be a valid assignment or sale of debt to a third party, backed up by true copy originality. This is without exception, thus stating that all debt pool findings of debt by licensed collection agencies as immediately invalid. Also, the licensing of every collection agency must be on all letterhead, a fact missed by XXXX XXXX XXXX , XXXX. 

# 3 The debt collection process can not exist if outside the legal collection parameters of the domiciled jurisdiction of the debtor. If XXXX states that they purchased the XXXX debt XX/XX/XXXX, where is the signed proof. Simply stated, there is no proof as the debtor 's information was received through a highly questional if not unethical debt pooling system that will most likely be shut down by the Federal Trade Commission in fiscal year XX/XX/XXXX. The FTC is now holding national meetings on how to fix the deplorable debt collection business. 

The Crosstown Law letter s a joke, whereas the legal entity of XXXX XXXX XXXX XXXX are very subtly stating that in essence they have no existence of legal transfer of a XXXX debt. In addition, if they did the debt would have exceeded the legal collection timeline in the New Jersey jurisdiction in any event. I demand that I receive a noticve that the collection process has been cancelled, and that my file is being purged, in addition to the collection being removed on all pertinent credit reporting agencies. 

The debt collection system is broken, a press release by the Federal Trade Commission in XXXX. XXXX XXXX XXXX XXXX is at the bottom of the pool in the method they use with American consumers. It 's time we expose their legal entities that carry on with the same collection practices.

Company response to consumer: Closed with non-monetary relief