milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I type a full " box '' describing my complaint and had just started the first few lines in the box requesting the desired outcome. Then suddenly your complaint form disappeared. So, I will try to pick up where I left off XXXX XXXX XXXX. I wish to continue making student loan payments as I have for over ten years to a reputable loan servicer which may or may not be Nelnet in XXXX XXXX. To date, I file a complaint with the Arkansas Attorney General XXXX XXXX XXXX and included the information in the first box ; now disappeared a few minutes ago. We believe the Arkansas XXXX XXXX XXXX ( XXXX XXXX AR ) may have provided our " private information '' including Soc Security nos. for both me and my wife, birthdates, checking account nos., etc. We worked with AR XXXX last summer XXXX and we were shocked to learn our student loan was placed in forbearance for one year which we did not authorize. In the alternative, Nelnet may have provided our " private '' information to loan companies like XXXX in California. 

You say not to provide " your ( our ) name, account no., address, Social Security numbers, etc. So hope someone at CFPB sees this. Very odd.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The following is copied from the email I sent to Navient : I recently received notice from my consumer reporting agency that my credit score dropped thirty points. When I logged in to see what happened it shows that the decrease was due to reporting from Navient. I need Navient to correct this mistake. I have my payments automatically deducted from my checking account so I'm not sure what Navient is reporting. I recently called and the woman I spoke with said my payment was late. I asked her how my payment could be late when my payments were automatically deducted and I have not missed a payment. She said she would change my due date to which I expressed my concern. I told her that every time Navient messed with my account something would get screwed up and here we are. I want this error corrected immediately. I am sending a copy of this correspondence to the XXXX XXXX XXXX to file yet another complaint against Navient! I want this resolved immediately and as well as a prompt reply letting me know this error is being corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: Dear Sir, MadamThursdays are one of my days off. It is also the days I get paid, late in the day to the wee hours of Friday from one of my jobs. Both of my paychecks have always deposited with JP Morgan. Last Thursday being almost virtually with no money but compelled to do my grocery shopping considering the fact that I will be back at my 14 hours a day schedule for the next three days ( Fridays, Saturdays and Sundays ), with no time to do those chores, I waited well into the afternoon and ran these errands. When I do this, JP Morgan Chase will substract the amount of my groceries shopping from the pay checks that were being deposited by my employers. Or this bank could decide to charge me. There is no clear rule as to why it has this option because JP Morgan Chase is the only party that is in the position to say when my checks were deposited and decide to charge penalties or not to charge penalties. And it did charge penalties, three times, last Thursday going into Friday. And it charged me penalties many times due to this fact that the bank is the only one to say whether or not deposits were made before the cut off time : penalties for overdraft on annuities, penalties on tax returns until the IRS issued specific recommendations. So, I believe the latest penalties JP Morgan charged me again are abusive and would like it to refund me those. I am not in a position to check the time it said my pay check was deposited into my account and I suspect many times JP Morgan delayed the time a deposit should be credited to my account in order to charge penalties. I have no way of proving it but it is a strong impression I have. 

Thank you for your time. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2017 about Debt collection (I do not know) with Central States Recovery, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is collections reported to my credit reports but I do n't have any knowledge of the alleged debts. I have n't received any calls or anything in the mail regarding amounts due.

Company response to consumer: Closed
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with CAC Financial Corp (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Company response to consumer: Closed
Consumer complaint received 03/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Other

Complaint: I have a Bank of America Credit Card. I got a statement for XXXX XXXX - XXXX XXXX with a New Balance Total of {$730.00} with a Due Date of XXXX/XXXX/2016. On XXXX XXXX when I received an e-mail for this statement, I paid the account off in full. On XXXX/XXXX/2016, I received an e-mail for the XX/XX/XXXX-XX/XX/XXXX period saying that I owe a Minimum Interest Fee of {$1.00} even though I had paid the full balance off and I have not added any additional payments. 

On the back of the statement it says, " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' This is not fair to the customer as they get charged interest even though the balance is paid off in full and also that they do not get an e-mail saying they have a statement until the day after the closing date.

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 03-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: LVNV Funding is in violation of the FCRA ( fair credit reporting act ), due to their failure to accurately report correct dates regarding time barred debts. This includes them re-aging accounts based on the date they purchased the account and not reflecting the last date of last activity. This has caused undo harm, as it makes these accounts appear more recent than they truly are. Due to their lack of abiding by FCRA, they in turn are causing negative reporting on my credit report. These should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Loan servicing, payments, escrow account

Complaint: ESCROW COMPLAINT This escrow was forced on me against my will and without my consent. I had an outstanding balance on my taxes of XXXX. I did n't know about it and as soon as the county informed me by mail, I paid it. However, I was too late. Roundpoint paid it and forced an escrow. They claim that they called my house many times. I have the phone records. THERE WERE NO CALLS. No letter was sent Once in XX/XX/XXXX there was a XXXX ( XXXX XXXX ) shortage on my taxes. They want to also claim that this " deliquency '' was another reason for the escow. They actually wasted a stamp to let me know this. I sent them a nickel in the mail since they were so concerned. 
In addition, I paid my property taxes seven months in advance ( pre-payment program ) from XX/XX/XXXX XX/XX/XXXX Roundpoint failed to acknowledge this and kept demanding escrow. They said they " the tax funds will just be rolled into the next tax installment. '' NOW THERE IS AN EXCESS IN THE ACCOUNT. They said they did an analysis, but they did NOT take the pre-payment into consideration. By law, they can not have more than XXXX USD in excess ( commonly called cushion funds ). There is an excess on the account and they will not acknowledge it. 
I have called them many times. The custumer service is very difficult to understand. I do n't think they are very informed. Please assist me with this situation. They should not be collecting tax money for taxes that were paid in advance. They had no right to force an escrow. I paid that XXXX. It was not a fatal amount. They have their little agenda to force everyone on an escrow. I was not informed correctly

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 02-07-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Central Financial Control AKA Syndicated Office Systems has been attempting to collect a debt that was paid or should have been paid by insurance ( XXXX ) had XXXX ( ORIGINAL CREDITOR ) billed insurance accurately. I had 100 PER CENT coverage for XXXX at XXXX. 
Instead I am harmed credit wise by the collector for designation and publication of this debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX of my credit cards are getting different information from this company. Each credit card company has given me a different XXXX score.

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 07-02-2016 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Customer service / Customer relations

Complaint: I have been using PayPal Credit for years to make purchases online from various retailers, and have been enjoying their payment terms immensely, but I am very distressed by the fact that, notwithstanding my impeccable payment history and nearly {$4000.00} of unused available credit, this account is not reporting my credit behavior to the credit reporting agencies. PayPal Credit functions essentially identically to a credit card, and it runs a hard inquiry on your credit report when you apply for it, so I do not understand why it is permitted to withhold valuable consumer information about its users from the reporting agencies. There should either be a requirement that any creditor who runs a hard inquiry as part of their evaluation about credit issuing decision has to make regular reports to the agency they use about the credit behavior of their borrowers. Alternatively, borrowers should have a way to report their own credit behavior to the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: I deposited XXXX into my suntrust checking account on Thursday XXXX. I never received any communication on when the funds would be available. Moreover, SUNTRUST violated Reg CC policy where I should have received atleast {$200.00} next business day and upto {$5000.00} by 2nd business day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Medical) with AmeriCollect (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original creditor can not find the accounts. XXXX of nevada can not find same accounts as americollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All cards under XXXX XXXX after XXXX 2003 are not mine. I got my own cards after my divorce. The cards belong to XXXX XXXX XXXX. I believe these reports should not be on my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been given the run around  and I conti nue to dispute and report this debt as not being mine, but I 'm still having the same issue. After 5 years this debt has still not been removed, and I need this removed and resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I called Navient on XXXX/XXXX/2016 to put my private student signature loans on forbearance because of unemployment and was told to call on XXXX/XXXX/2016 - five days after the due date for the student XXXX loans. I called today ( XXXX/XXXX/2016 ) and the woman who first helped me put me on hold and the call was dropped after 5 minutes. I call back and got a man who said my loans were up-to-date and I did n't need to request a forbearance until the XXXX. I told him that I wanted to do it because it 's pass the due date and I see payments were coming due. Then all of a sudden, the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Mortgage debt) with Fay Servicing, LLC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Fay Servicing llc tr ying to collect a debt they took over the property the attorneys  XXXX    XXXX    XXXX  ordered to foreclosure the property on  XXXX   XXXX   XXXX    XXXX   at  XXXX   XXXX  knowing tnere is an active a bankruptcy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with XXXX XXXX XXXX TransUnion regarding items on my credit reports. XXXX claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately XXXX/XXXX/XXXX. After concluding their investigation XXXX/XXXX/XXXX XXXX agreed with me and deleted the item ( see enclosed letter ). 

On XXXX/XXXX/XXXX XXXX claim to have investigated and VERIFIED this item by means of XXXX! 

XXXX XXXX XXXX TRANSUNION show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...

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 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have knowledge of debt that is trying to be collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In regards to case number XXXX filed with the cfpb and the response from equifax, they have completed their investigation but have not provided any evidence from their investigation received from the furnisher of information regarding my dispute and when asked how was this investigation conducted, they stated electronically and the furnisher provided my name, address, phone number, and social but equifax did not receive any physical copies as required under FCRA section 609 therefore they refuse to remove this account and stated it is verified but the process they are using is not the correct process as stated under FCRA or considered as a valid, proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We took out a XXXX mortgage with XXXX, we missed a few payments so they sent our loan to a collection service. Which has been transferred many times. We are now with Green Tree Servicing LLC. When I log on to their website there is no account set up for us, so I am unable to even look at our account, I was able to pay by phone for the XXXX XXXX payments then they told me that the state of Colorado does not allow them to collect by phone, then they wanted me to set up a way to pay through our bank so that the bank could just send the payment when I requested. I could not even set that up my bank did not recognize Green Tree 's system. Now I have been told to send my payments via XXXX or XXXX XXXX, I was only able to get that to work XXXX. I now make my payments via money order. When checking my credit report it shows in the remarks charged off account. After going thru all the difficulties just to pay this debit off I am wondering if Green Tree Servicing LLC is a Legitimate company. I received a letter dated XXXX/XXXX/2015 in reference to Federal and state law prohibit certain methods of debt collection and require that we treat you fairly. If I have a complaint I can contact the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the bill in hopes to get it back but they said I 'd have to pay a different installation fee and to send the equipment back so I wo n't be charged for it but they never removed the charges!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am very past due on my mortgage so I applied for mortgage assistance. Well it has been a very long process where the underwriter keeps requesting more documents that have nothing to do with me or my loan. In short this loan is in my name only and given to me without any co-borrower, not even my husband. Well now that I am applying for assistance, the underwriter keeps requesting income and expense proof for my husband 's business and expenses. I have repeatedly written letters to explain that these things only belong to my husband who by the way does not contribute what so ever to the mortgage because it is only in my name. Last thing they requested was a XXXX for me for XXXX from XXXX which is my husband 's business. I wrote them a letter to explain that I was not a XXXX employee in XXXX, I only became XXXX in XXXX of XXXX. They now have denied me saying that I did not provide documents. I have provided everything they asked for in regards to my income and expenses. How can I provide a XXXX when I was n't XXXX at the time? Please help me, they are only interested in taking my home from me and not helping me. Also, they are trying to force me to give them documents that belong to my husband. He is not on the loan and is not willing to give those documents or help me with anything. Please help me keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation