milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OR).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: XXXX This is the complaints against American Express XXXX XXXX XXXX XXXX credit card. I closed my account and canceled the credit card on XXXX. I cleared all the debts and they agreed to close my account. 
Then I got payment reminder from XXXX in XXXX for some unpaid balance. I called them to inquire about it and they fixed the issue and confirmed they will close the account. It happened again in XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. I had to call XXXX all these months and spent lot of time talking to Representatives. In XXXX XXXX it happened again, then I called and clearly told XXXX reps that I will file complaints and shall my lawyers include in this matter. They fixed the issue in XXXX over the phone and confirmed it will not happen again. I still receive an Emails and Mails regarding unsettled balance again from XXXX, XXXX, XXXX, XXXX and XXXX. Now I am receiving an Mail from XXXX XXXX XXXX to pay the debts which I do not own at all. Now my credit score is getting affected. who is responsible for this? 
It is very disturbing for me. how many times I should settle this issue with them? it is total harassment and mental stress to keep calling XXXX for same issue again and again. I do not have time for all of this every month and I already wasted enough time this year for same issue. It is very frustrating that they do not take critical steps for this kind of situation Attached one PDF regarding XXXX payment reminder recently.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with Student Advisor Center LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by a company called Student Advisors in summer of XX/XX/2017. They claimed they were working with the Federal government to help people out of student debt by consolidating multiple loans into one with a lower interest rate. In order for these services, they told me they charge a fee ( around {$1300.00} ) which I could pay in installments. I signed up for this, and signed an agreement that outlined the services they stated they were going to provide. One month later when I realized my student loans were not consolidated, I tried calling Student Advisors, and did not get an answer. I tried multiple phone numbers, left multiple messages, and never heard anything backfor months. Eventually I just gave up and chocked it up to a missed opportunity/near miss. That was until several months later when I checked my credit report and saw a credit account opened under my name from a company called XXXX XXXX. I looked into this and realized that this was the fee I was paying for the loan consolidation which I enlisted for. I called XXXX XXXX to cancel this account, stating to them that I never received the services I signed up for. They told me that they are just a third party, who bought my contract from student advisors. They said they could not close my account, and I still owe them all this money, and that they can not do anything about it because I signed a contract. No matter how much you try to reason with these people, they argue because they know they are wrong. This is criminal, and they should be persecuted by the law. They keep telling me to take it up with Student Advisors. How can I take something up with a company that doesnt exist, or if they do, wont return my calls. Even when I explain to the people at XXXX XXXX that in my contract there is a clear clause that states all payments shall be returned to consumer if the product isnt delivered, they still argue. You cant argue with this, and we need to get the Federal government involved here. This is no different than financing a house, but then not getting the house yet still being responsible for paying for said house.

Company response to consumer: Untimely response
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: We were trying to access Experian Free annual credit report online ( last accessed XXXX ). Error message states : " We are very sorry, we seem to have run into a technical problem with our system and are unable to complete your request at this time. Please try again in a few minutes. If the problem persists, contact customer support. Error Information XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX '' 2nd attempt about half an hour later resulted in " We were unable to honor your request ... '' and directed that we could provide this request with copy of driver 's license and utility bill at www.experian.com/upload. 
3rd attempt via upload link resulted in " We were unable to upload the below document ( s ) successfully. You may submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX using this form. '' So now, to get a " free ' credit report, I have to mail this, paying for certified service in order to get receipt information. 
Copies of documents attached. 
Thank you for your time & consideration.

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 02-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I reached a settlement amount with my lender for 70 % of the balance on XXXX of my private loans. After mailing a cashier 's check for this amount in the requested time frame, my lender incorrectly applied the check to the wrong account. I spoke with the manager several times regarding this, and the amount was finally applied to the correct account. However, now my account ( which should be paid-in-full due to the settlement ) states I have a balance remaining for the rest of the loan. I have contacted the manager again to discuss this issue and request that my account be updated to reflect the settlement. Prior to receiving my payment I was being contacted daily, though now the manager has not returned my call to discuss and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Student loan (Non-federal student loan) with Forster & Garbus LLP (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX 2014, I filed a complaint against XXXX when the account was referred to XXXX XXXX on XXXX XXXX, 2014. The account number is # XXXX. In their response XXXX XXXX said, " We have notified our client of your concerns and have ceased all collection efforts. " In the last paragraph they stated : '' XXXX has currently discontinued all collection efforts of this account and we have notified our client of your concerns and your desired resolution regarding this account. '' Shortly, after that I received an undated letter in which a copy of two pages from my private student loan application was enclosed. I 've provided this information as attachments below. I 've never received another thing from XXXX XXXX or XXXX XXXX until recently. 

I 'm not sure when the account was referred to Forster & Garbus LLP but as of last week, I have been aware that there is a summons against my mother and me in regards to the XXXX Student Loan. I am named in the suit along with my mother but the digital summons was mailed to my mother 's address. I was never sent anything to my home address in New Jersey yet, I am pretty sure XXXX has my home address on file especially based on the information I provided in my last complaint. 

Of course, since I filed this complaint I 'm pretty sure Forster & Garbus LLP will try to twist everything around to make everything look as it is our fault. I guess because they are lawyers, they think they can coerce anyone and bend the laws in their favor because the average person does not really understand the laws. Believe, I 've been down this road several times so I know the deal! You are not going to tell me it 's okay, to send a summons at another address, out of my jurisdiction, so they can try and place a judgement against me! I do n't think so and I do want to be compensated for this!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Payday loan () with CHECK INTO CASH INC. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: This debt is XXXX and has been paid. It is illegal to sell debts in this manner and try to collect beyond a statute. 
I want this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Due to circumstances and being unemployed I was unable to make my mortgage payments. I am now working and would like for Ocwen to reinstate my loan ... but I can not get any help..I am constantly transferred to XXXX, an XXXX hitting deadend at every step ..Ocwen have not been helpful .Please help me do not let XXXX take my home without negotiating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: Wells Fargo continues to be non-responsive to repeated errors with simple mortgage loan recast. Received invoice for statement date XX/XX/2018 and payment date due of XX/XX/2018 with incorrect principal amount and incorrect total amount due. Amount due reflects previous mortgage amount and not recast amount and principal balance is wrong, failing to account for large balloon payment made on XX/XX/2018. It is truly astonishing how inept this organization is. I have never encountered such a lack of coordination and a lack of accountability. You should run from this organization.

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 01-05-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Re : Department of Education, XXXX I 've tried to resolve this matter over 25 times in the last 5-6 years, and I do not get a response, am transferred to the " right '' person and then I get disconnected, etc. It 's like they do this by design. 

Reason why this MUST BE DISPUTED : A bill/notification was not sent to my mailing address to inform payment was due. I tired fixing address, speaking to a supervisor, emailing them, etc. Upon receipt of bill sent in XXXX 2013, a payment was made and this loan was paid off without any further issues. 

Request : Rectify and delete late payments on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making automatic re-payments to XXXX loan held by Navient ( XXXX XXXX ) since early XX/XX/2014 on an agreed day between myself and a representative from the company, all of which have been reported as late payments to the credit bureau. I would also like to report that XXXX/Navient has not been sending the requested monthly paper records, documenting my continued payments as per our agreement. I have tried to reach out to them but as usual their over the phone personal have maintained a hostile manner.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Vehicle loan or lease (Lease) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I have insurance on my auto loan with Navy Federal Credit union, in the event I become unemployed/early furloughed from my employment, the insurance was supposed to be applied to my vehicle loan and other accounts with this financial institution, instead they have added this account to collections making it impossible for me to gain employment or housing due to the collection account, I have tried to resolve this issue with them to no avail and am now experiencing financial hardship due to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Consumer Loan (Installment loan) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Problems when you are unable to pay

Complaint: I became ill in a few years ago and had to take off work. Eventually, I had to file for bankruptcy by XXXX XXXX. PRA Receivables Management , LLC aka " Portfolio Recovery Associates , LLC was XXXX of my creditors to file a claim for payment. This payment was for an automobile, XXXX Chrysler Pacifica. The scheduled amount of the vehicle was {$15000.00}. The collateral value was {$9000.00}. This amount was satisfied through the bankruptcy by XXXX XXXX, XXXX including the interest amount of {$530.00}. The total sum of {$9.00}, XXXX. Additionally, this company filed for an unsecured payment of {$7.00}. In which, I have paid {$2700.00} of the unsecured amount. 

Last week, I decided to voluntarily dismiss my bankruptcy case and was advised to call the collection agency ( Portfolio Recovery Associates , LLC ) to request my vehicle title because the amount of collateral value for the vehicle had been satisfied. I spoke with XXXX young men. The XXXX person I spoke with was named XXXX and the XXXX person 's name was XXXX. 

I asked if i could obtain my vehicle title ...? He stated that " if I decided to dismiss my bankruptcy case I would still have to pay the unsecured debt or they would come and repossess my vehicle without any warning. '' Furthermore, I explained to XXXX that the vehicle had been involved in an accident from some guys robbing a jewelry store and fleeing from the police. They had been caught, but had no means to repair my vehicle. I was not willing to charge the damage to my insurance company because it would cause my monthly insurance payments to increase. I also told him that the vehicle had been inoperable most of the time over the last four years. He stated that the value of the vehicle was not much due to the condition and other circumstances that involved the body of the automobile. Nevertheless, he was adamant about me paying more money although the vehicle was not worth what the company was asking me to continue paying. I explained that I was not satisfied with his explanation and wanted to escalate my call to his superior. 

A man named XXXX came on the line and basically stated the same thing, but worded his remarks a little differently. Again, I expressed my lack of satisfaction in dealing this company trying to retrieve my vehicle title. I explained to XXXX that I did not think I would get any resolve by trying to directly communicate with management of this business and I was going to seek outside intervention to assist me in resolving my dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct

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 09/28/2015 about Debt collection (Medical) with Valarity, LLC (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called twice already this morning, using a robo-dialer to call my cell phone. When I answer, an electronic voice tells me to please hold for a very important call and then puts me on hold with music playing. This is unacceptable, both the multiple calls and the robo-dialing then putting me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt is not mine I never had a contract service with XXXX, I had a prepaid service with them that is all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have disputed this item before and they took it off, now they have placed the item back on my credit profile, I have know knowledge of the said account. I was a victim of ID thief and the company has been made aware of it several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Hi Yesterday ( XXXX XXXX 2015 ) I went to XXXX XXXX in XXXX, XXXX to enquire about leasing car. I informed them in advance that my credit score is around XXXX-XXXX but do not have long history so i dont want u to tun the credit check. The manager ( Name XXXX ) confidently told me that this will be only soft check so no impact on my score. Now I see that they did hard check which is absolutely wrong. I asked them multiple to make sure that I dont want this but they said no problem, no need to worry. Same thing happened with when I came to XXXX first time & XXXX XXXX manager gave me wrong information, tried to sell his credit card .... this is really not acceptable. I do pay all bills, rent in time, no defaults and still suffering with this. I hope u will sove my problem. 

Creditor -- XXXX Creditor Contact Details XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a Homeowner association company that has set me up with the automatic withdraw for the association fees. When Equifax was breached on the data, I decided to check on my credit since I have credit monitor account with Equifax. That was when I noticed that the score has droped. I was at XXXX and it dropped down to XXXX. The reason was the association has reported negative information. First, I was never notified about having a past due on the account. The account is set up as automatic withdraw so I would not think there is past due.
Company information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX is the company information.
I contacted Equifax first because I did not know who reported the negative information first. Then I found out that it was my association company so I contacted them and I was being reasonable. Even though I was upset, I decided to pay the account since now I was informed that I had past due amount. I did let them know that I was never informed through mail or phone call.
Move forward, I paid the account in full and Equifax disputed and the account information was corrected and the account became no past balance.
One month later, now. I have a notification from Equifax that my score has dropped again. I have check the reason and now the same company has made another negative information on my credit file with different company name.
Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca-XXXX XXXX
Same address and same phone number with same past due amount.
I did let go the first issue since it can happen even though I felt it was not fair since they did not attempt to notify me with past due. But, this time I can not let it go since it has affected my score again with same information. I have contact the association company XXXX XXXX  but no response. I am filling the BBB complain also and I would like to see what I can do to make this correction and make sure I have fair credit score without abuse from this management company.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For the past year, Navient, who purchased my XXXX XXXX XXXX from XXXX XXXX, has been applying my entire loan payment, or very high percentages of my payments to interest only. For the past year, I have either paid my loan early, or on time. Most recently, there was an over payment on the account. Navient told me I owed {$120.00} for the month. I instead paid {$290.00} and Navient applied {$43.00} to my principal and {$240.00} to interest. There have been no late payments on the account, so there is no reason why they are taking this much toward the interest payment. I have called several times, and each time, I get a different story. Please help me. I do n't know where else to turn.

Company response to consumer: Closed with explanation