milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my XXXX account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments

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 02-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I opened it XX/XX/XXXX. It was reported to Credit reporting agency XX/XX/XXXX. It started with about {$5000.00} and now XX/XX/XXXX it 's at {$28000.00}, 26 years later. They, all XXXX CRA 'S, are still reporting, they, all XXXX CRA 'S deleted Dept of Education, XXXX, XXXX, now NAVIENT. Maximum years reporting has passed 7 and even 10 years. All CRA 'S deleted the Dept of education account, now the put it back on this is unfair, I would like this account deleted. They have the date opening for this account as XX/XX/XXXX, first reported, XX/XX/XXXX. 
This account was opened in XX/XX/XXXX as mentioned above.all conflicting dates. I disputed date of original opening and they all deleted this account. Now they have put I back on all XXXX CRA 'S. I am almost XXXX years young, lol, trying to rebuild my credit and they are purposely trying to mess me up

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing on a mortgage

Complaint: In my opinion, Bank of America may have sold my loan to XXXX XXXX XXXX XXXX for pennies on the dollar. 

If so, in my opinion XXXX XXXX XXXX XXXX paid about {$110000.00} for my loan or less. 

Bank of America at that time claimed I owed {$200000.00} and therefore XXXX XXXX  XXXX XXXX could and would collect that amount from me. 

Or, did Bank of America only transfer my loan to XXXX XXXX XXXX XXXX without the exchange of monies and claim that they sold it to them. 

Its unfortunate, but every time I made a request for documents from Bank of America the legal team/personnel each and every time responded with unsound unrealistic insincere rhetoric diplomatically stating that they dont have to respond to my request or requests. 

I would like for the Bank of America legal team/personnel produce the below documents without diplomatically stating that they dont have to.

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 09-05-2017 about Debt collection (Private student loan debt) with Account Control Technology, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was not enrolled in XXXX University. I was unable to receive financial aid because I was not enrolled. My account was placed into collections. I have paid half of the debt. My account was moved to another collection agency. I no longer intend to pay a school I was not enrolled in. I was not able to get financial aid or a student loan because I was not enrolled. The date was XXXX  2012. I also plan to put in a complaint with the Dept. of Education

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 non-monetary relief
Consumer complaint received 09-07-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The first letter received was dated XXXX XXXX 2017. It was from a XXXX XXXX XXXX XXXX on Texas. They are representing XXXX XXXX which supposedly bought my XXXX XXXX account.They claim my debt is XXXX but they will settle for XXXX at XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I joined XXXX XXXX XXXX on XXXX 2014. before i did it I asked particularly if there any contract, they said " no ''. I signed permission to collect monthly payment and paper for health condition. of course I never saw any contract, since there where no contract as they were saying. on XXXX I wanted to stop visiting GYm. They told me to write a a letter to themand send it with confirmation. There where snow storm alert and post offece was not working. So they received it later certain day. Monthly payment is {$20.00}. Where this amount come from I have no idea. 
I spoke to collection department they said this is anually payment. they do n't anything this is the amount their client want. i spoke to them 2 times, and refuse to pay this amount without any explanation. XXXX send me contract with no signature or any place where the signatury supposed to be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello im filing a complaint because i pulled up my credit report on equifax i see a account that is open with XXXX XXXX XXXX account number ending XXXX and this account was closed XX/XX/XXXX of last year and its paid in full on XX/XX/XXXX and its still shows that i owe them XXXX dollars and its hasnt been updated by equifax. And my credit score was dropped to XXXX due to 14 inquires that wasnt mine and one address that didnt belong to me in cypress texas XXXX XXXX XXXX  Balance XXXX this account is closed not open and its paid in full im asking equifax to send me a updated credit report and score

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I filed an insurance claim. My insurance company promptly issued me a check and included my mortgage company. I got estimates, had the work completed, got an inspection that it was done. My mortgage company. Pennymac, is not releasing the funds to pay off the contractor. My mortgage company keeps sending me random forms that I already completed to be notarized and each time I call they give me a different excuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2016 about Debt collection (I do not know) with R&R Professional Recovery, Inc. (DE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Unknown debt on my credit report I do not know where the debt came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my information, which puts me and 143 million other people at risk. I am potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (AR).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: This company has not gone through the proper steps after repossessing my car. Which is causing credit issues on my credit report. This company repossessed my car in XXXX of XXXX and they have violated my laws as a consumer. As the consigner of the vehicle I had every right just as the primary holders. I have never received notice of right of redemption/right of reinstatement. I never received a time/place of where the auction would take place. I never received a notice of sale or post sales notices. However, they have posted a balance to my credit report that I have no idea where it has come from. I need help please.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE FARM BANK, FSB (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Please delete Accounts information with missed payments on XX/XX/2014.  Data in the system are not valid, then I had Tax id number only, now I have SS number My social seciurity number XXXX. 

old information destroys my credit score, please delete this information

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Was denied an fha mortgage for a dismissed chapter  XXXX  bankruptcy from    XXXX    2009    and met all other requirements. Our loan processor   XXXX   XXXX   from  pacific union fina ncial llc was absolutely horrible no communication left important information out when sending to underwriting and ultimately probably cost us our home purchase that will end up keeping my wife 's elderly father in a  XXXX    XXXX   instead of living with us.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 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: The Collection agencies did not give me a paid in full paper work ; they were acting in good faith on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ; They did not keep calling or writing but the debt was not removed from my credit record ; They single handedly use this one negative report for too many points for to long of time. They claimed no revolving credit or too few revolving account paid on time foe years now. They did not think of Pay Day loan companies was building credit ; they kept listing a Bankruptcy that was Dismissed in 2009 was still used unto this day? They sighted 1 late mortgage account in more than 2 two years was a good reason to deny credit? The Checking account for XXXX was closed and reopened after XXXX did not respond in time with documents used as a attempt to pay -- XXXX XXXX. They added a new never heard of before Collection agency for {$240.00}. XXXX XXXX XXXX 1 call and 1 letter? Contacted XXXX XXXX XXXX of XXXX XXXX Department and fell on deft ears after last payments made. They upheld the XXXX demand for " debt will ; not be released until they could wipe down the inner loins for the innermost place of the port for purging waste was paid ''?

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 02-12-2017 about Debt collection (I do not know) with Monterey Financial Services LLC (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by XXXX several dozen times and I repeatedly told them that that they had the wrong person and I did not provide any thing from them. They said a laptop was purchased by mme and that is not true. I have never bought a laptop nor was a laptop delivered to me. I believe that someone may have stolen my personal information to make this purchase. I explained this to the representatives on the phone and they threatened me and called from XXXX-XXXX somedays. I begged them to stop calling me and they continued to call and said they were going to file a lien on my home and my vehicle. I had to change my phone to to stop the harassment calls. They would not work with me and called me a liar when I said I did not make a purchase from their company. I eve. Made payments for something I did not buy so they would stop calling and not place liens on my possessions. They are cruel people and I believe they were scamming me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Agency calls all throughout the day and night. And will call back to back as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Left school in 1998, owing approx {$42000.00}, was injured and un-employed for over 8 yrs, contacted XXXX XXXX, asking about insurance on the loan. I was told that I would have to exhaust all other postponements and extensions before filing on XXXX insurance on the loans, consolidated my loans and use all of the deferments and exhaust all other programs to postpone payment before they would file on XXXX, did as they asked. XXXX XXXX never filed on any insurance and I now owe over {$100000.00} in student loans, due to fees and interest applied. If XXXX XXXX would have done as they said, I would be student loan debt free, but I am not and under constant threat of legal action. They have been exempt from federal lending and collection laws, so finding an attorney to help has been impossible!! I am now trying to work and re-build my life and credit. I am not able to purchase a home, due to debt to income ratio and credit scoore with an {$100000.00} student loan debt looming. I just want to pay what I should actually owe, approx {$25000.00} and move on with my life. No one will help me stand up to XXXX XXXX Navient now. I would n't have to have paid this kind of fees and interest on a 30-year mortgage, heck, the XXXX does n't even charge these kinds of rates. Please help or advise.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery is stating I owe a debt of {$650.00}. I repeatedly disputed this claim several times via mail over the past year because this is not my debt and fraudulent activity with this account. I have never signed a contract or even received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account in-branch back in the spring and had a promotion where I would receive XXXX XXXX miles after completing certain spending criteria within 3 months. 

I met those criteria in time, secure messaged with citi customer service and was notified that I had satisfied the criteria for my promotion and would be receiving the miles within 90 days from then. 

The miles never arrived, and when I followed up with citi support via secure message, they said I was n't eligible for the offer. When the citi XXXX previously confirmed via SM that I would receive the miles, they did NOT mention anything about not being targeted for the promotion. The in-branch representative with whom I applied also assured me and was excited for me to receive the bonus. 

After numerous follow up secure messages and phone calls, after which Citi conducted " investigations '', they still concluded that they would not be giving me the bonus due to my not being targeted. A friend of mine signed up under the same promotion about the same time I did and received their bonus, despite not being " targeted '' either. So it appears Citi is inconsistently honoring their promise. 

I 've enjoyed using this account, but it 's frustrating that Citi wo n't take care of their customers. I feel tricked. I 've been paying $ XXXX for this account, the least they can do is honor the promotion I signed up for.

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 06-03-2015 about Debt collection (Medical) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have just emerged from Chapter XXXX bankruptcy and have been fully discharged and the bankruptcy case terminated ( I am attaching documents to prove this ). I received a payoff statement from my mortgage carrier, Seterus, and found I was being billed for property inspections and BPO costs for a total of {$690.00} added to my mortgage payoff amount. ( I am attaching the payoff statement with the charges in question circled on page XXXX ) These are charges that are usually associated with foreclosure proceedings. But since I have just completed a 5-year Chapter XXXX plan successfully, foreclosure proceedings are forbidden by bankruptcy law. Since my discharge from Chapter XXXX on XXXX XXXX, 2015, I have been on time with all scheduled monthly payments to Seterus. I called Seterus to find out why these property inspection and BPO charges have been applied to my account, but I was told they were not allowed to discuss anything regarding my account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In the month of XXXX, Enhanced Recovery suddenly reported a so called debt on my credit report and never sent me anything prior to reporting giving me the right to dispute the account before reporting it. As soon as the account showed up, I immediately sent a letter requesting validation of this supposed debt and I sent the letter certified. The letter was mailed in XXXX and still to this date, I 've yet to receive a response but the account remains on my credit profile.

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 10/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Have made several additional payments to the subsidized loan amount and submitted funds according to American Education Services requirements along with a letter stating specifically the amount to be applied to the subsidized loan. Twice now, they have split the amount between the subsidized and subsidized amount and it has taken 2 months to dixe the problem. Now they have done it again, even though I sent them a form letter from their website stating where I wanted the extra funds to be applied. I feel this is predatory practice and I am unable to find any solution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: PNC has gotten in the practice of not posting transactions until late at night in order to charge you overdraft fees after their cutoff for transfers. My account did not appear negative until they charged their over draft fees ( 1 of which they're claiming for a {$1.00} transfer to a savings account XXXX Zero transparency in their online banking. spent 30 minutes on the phone being talked down to about keeping a check log book. I spent more money on their overdraft fees than on anything else and I'm done with them.

Company response to consumer: Closed with monetary relief