milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Navient continues to say I owe a XX/XX/XXXX payment of {$560.00} that I paid. It was not due until XX/XX/XXXX, but posted on XX/XX/XXXX. The XX/XX/XXXX bill reflected a past due amount of {$550.00} with a total amount due of {$1100.00} I called the company on XX/XX/XXXX or XX/XX/XXXX and explained the payment had been made. The representative insisted I send proof to fax # XXXX. I went to the bank, where the bank manager said the check had been processed electronically, so she gave me bank proof of payment to Navient of {$560.00} which posted on XX/XX/XXXX. Then I became confused when the Navient representative said my bill group # is XXXX???? That has NEVER previously been my group number and if it has changed, why was n't I notified? I wrote the usual Account and/or Group # s as they appear on my bill and I have NEVER previously had a problem. I pay my bill promptly and regularly every month. I received a call from Navient, when I was not home on Sunday, XX/XX/XXXX. I assume that was a collection call. 
I called the company again on Monday XX/XX/XXXX, and my payment had still not been corrected and credited. Later that day, I received a letter from Navient COLLECTIONS department demanding the XX/XX/XXXX payment. I called that department at XXXX. I originally spoke with " XXXX '' but that call disconnected. I called again and spoke to " XXXX '' # XXXX who initially told me she could see where a {$560.00} payment had been made, but it had apparently been miss-applied. She then said I would have to wait until after XX/XX/XXXX to allow for the adjustment to be made. She also said she would roll back collection calls. Why could n't she just stop those calls, since even she could tell the payment had been made? She then supposedly consulted with someone else who said the correction would be made in 2-3 days. Why? I need it corrected now! I mailed the XX/XX/XXXX payment on Saturday, XX/XX/XXXX ... 4 days after the fax proof of XX/XX/XXXX payment had been sent. The correction has yet to be made. I am now afraid the XX/XX/XXXX payment could mistakenly be applied to the XX/XX/XXXX payment and now Navient will say I have not made that payment. That will then propel me into a spiral cycle of nonpayment. I have also received three emails demanding XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is harassment. I have uploaded documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: According to Transunion report number XXXX The following addresses have been PREVIOUSLY reported incorrect and are still showing XXXX ). XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX The following Inquiries were not made by me and have been requested many times to be removed. 

XXXX ). XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX. XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX DC XXXX 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 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pinnacle Credit Services is attempting to collect a debt to which I do not owe. The original creditor is XXXX XXXX and I was recently notified that I was illegally billed by XXXX for services that I did not receive. XXXX was recently sued by the FCC and CFPB concerning their illegal billing practices. The results can be seen here : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian credit reporting agency repeatedly adds my son XXXX XXXX to my credit reports every time they do an inquiry on myself XXXX XXXX. My social security number is XXXX. My son XXXX XXXX 's social security number is XXXX. We have different addresses ; My address is XXXX XXXX XXXX XXXX. XXXX XXXX NY. My son 's address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. With different ssn 's and addresses, I do not know way Experian can not get things right. On my last personal credit report # XXXX sent to me by Experian on XXXX XXXX, 2016 which included XXXX pages, Experian listed 19 ( nineteen ) incorrect credit information listings, on that report, that DO NOT apply to me, at all, but they do apply to my son XXXX XXXX. Pages XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX all have 1 ( one ) incorrect credit information listing that DO NOT apply to me, at all!!! Pages XXXX ; XXXX ; XXXX ; and XXXX all have 2 ( two ) incorrect listings that DO NOT apply to me, at all!! And page XXXX has 4 ( four ) address identification numbers that DO NOT and never have applied to me XXXX XXXX XXXX. There are an additional 6 ( six ) addresses listed that DO NOT and never have applied to me XXXX XXXX XXXX, which makes XXXX definate mistakes made on my credit report by Experian. I would like to make a fervent request that You see to it that Experian Credit Reporting corrects ( deletes ) all the misinformation that they repeated list on my credit report, so that a fair and honest report goes out to all creditors on my behalf. XXXX Bless You and Thank You for looking into this serious matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX or 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 non-monetary relief
Consumer complaint received 04/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2014, I unexpectedly lost my job and my wife was battling serious medical issues. We proactively contacted Citi mortgage and requested assistance with a home refinance or modification. The Citi representative informed us that we were not eligible for any home assistance because we had never missed a loan payment in ten years. The Citi representative told us the only way we could get assistance was to get behind in mortgage payments. In 2014, my credit score was XXXX. It took me ten months to secure out of state employment again and during that time we did fall behind on our home mortgage payments as we informed Citi would happen without assistance. We followed Citi 's advice and have been trying to get approved for a mortgage loan modification for almost two years. 
In XXXX, Citi wrote off the {$69000.00} second mortgage as bad debt because we were {$5000.00} behind in payments. We had been making some payments on the loan but stopped when a Citi representative told us it was n't necessary while the case was under review. We have been given inconsistent direction from Citi representatives throughout the entire process ( very frustrating ). I have been making payments on the first loan as best we could to show good faith, but have been waiting since XXXX for a decision on our loan modification request. 
We feel Citi is intentionally trying to foreclose on our home by preventing us from completing the loan modification process. We have provided them with all requested documentation numerous times only to be told something has n't been received or was n't completed properly. Each time we submit information, it takes several weeks to get a response and then they request us to submit the same information again. The current loan specialist assigned to our case is supposed to call weekly and has not called in the past two weeks. She has hung up on us during previous conversations when we press for explanations and does not respond to email requests for information. Trying to complete this loan modification process is causing XXXX and XXXX on us. We feel we have been unfairly treated by Citi, despite our good faith efforts to provide them with all required documentation. We are no closer to completing the loan modification after two years of effort. We want to keep our home but we need assistance immediately.

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 01-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I need help. Wells Fargo claims I have a delinquent payment, but I have had auto pay on my account for 12 years and never missed a payment. They continue to claim I owe it and call constantly to collect. I have asked them to tell me the payment I missed, and I would pay it. But they can not. My complaint has been open for over 100 days, and sent to XXXX escalation departments. But no one as been able to tell me what date I missed my payment. And now they are not returning my calls at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Credit card) with Kramer & Frank, P.C. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested for Kramer and Frank to send me validation of this debt on a couple of different occasions. I have gotten the run around to talk to the original creditor which is XXXX XXXX. I have let them know that I am not familiar with the debt and to provide me with the proper validation showing my signature for such account and they have yet to send me that information. They also have another account in their office for XXXX XXXX but same with this account I have yet to receive the debt validation. They have not been biding by the FDCPA and I am requesting for those violationsto be addressed as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My aunt is a co signer on one of my loans. We are being harassed every day because we are struggling to make payment. When any one calls, you are greated with such a rude person that only cares about getting the money. They bully you on the phone every single time. We get calls Sunday to Sunday. Some of my payments are in default now and they have listed on my credit score from a time when I was making payments on the loan. Im so sick of this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I 'm sure you 've received this well over 10,000 times but Equifax decided to either not invest in the proper security measures for 143 million Americans private information ( I am one of those ) or they were grossly negligent in protecting that information. 

After Equifax was hacked I found out my information could be in jeopardy from a thrid party news outlet and was NEVER notified by Equifax that my private information was potentially breached. I had to hunt down a link to their website and check manually with Equifax and their poorly engineered website for this crisis. 

After reading into this problem I 've learned the information was stolen well over 30 days ago and now thanks to my own due diligence I am now aware that my information has been potentially stolen. 

Equifax has failed to protect my personal information. Equifax has failed to give me proper notification of potential stolen information within a reasonable time frame. Equifax has failed to give a clear remedy for this entire situation. 

Are the credit bureaus too big too fail?

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: When I applied for the Capital One Quick Silver card, it was being advertised by Capital one as a card with " no annual fee ''. However, I am charged an annual " Membership Fee '' once a year. When this fee was initially charged for the first time in XX/XX/XXXX, I was able to get this {$39.00} membership fee waived without a problem. The representatives I communicated with on that particular occasion was very helpful and apologetic for the inconvenience. Furthermore, on XX/XX/XXXX, I was charged another {$39.00} annual membership fee. I called in on XX/XX/XXXX to dispute this charge once again. However, this time around, the representatives I spoke to were not helpful and informed me that they will not be able to help out this time around by waiving the annual fee. I do not know why I am being charged an annual membership fee in the first place when the Quick Silver card was being advertised as a card with no annual fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient refused to work with me on a repayment plan. I called them XXXX of XXXX? or XXXX, I ca n't remember but after they refused my payments and to work with me, they did a forbearance and said I have to start paying back XXXX XXXX. I have a CHILD! mortgage, power, water, gas, phone, car, car insurance, credit cards etc. I ca n't believe Navient does n't take into consideration all these bills I have ( i 'm sure i 'm not alone in this either ) but why dont they take mortgage into a consideration? I have a child who HAS to go to after school so I can work, do they not take that into consideration either? I ca n't stop all my bills just so they can get theirs. I have to have means of living and it XXXX me off Navient did n't work with me at the time I asked so I had to ask for MORE forbearance before I have to start paying back my student loans. I even offered to pay XXXX or XXXX a month and they refused it. I 'm wanting and offering to pay back as much as I could and it blows my mind, they say, " no ''. Who does that? I would 've NEVER gone to college if I knew it was going to be this much of a pain to pay back loans and even them wanting SO much a month. It 's crazy. I have a life to live and it 's not to put all my money towards student loans. Things change, life changes and they should work with the person to be able to afford within their means. I want Navient to accept my monthly payments as well as get rid of the interest that have piled onto my loan since they did n't want to accept my offer. As a matter of fact, when I had to start paying back my loans ( ca n't remember the year ), they denied it at that time too. So for however long i 've been holding off on my loans, I want all that interest taken off because I tried to pay it back more than once and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dozens of calls from XXXX numbers from Portfolio Recovery. They are looking for someone named " XXXX '' who had this phone number before we did XX/XX/XXXX. I 've told them this in the past yet they continue to call. I was forced to get a call blocker just so I could ignore them. We have never had any kind of debt go into collections at any time. We have never had any debt in arrears at any time ( this is over 40 years time ). We are not who they are looking for but they will not stop calling. 

I 've attached a partial list of some of the numbers and dates that Portfolio Recovery has called. These all came after I had informed them that the person they are looking for no longer has this phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (I do not know) with Pendrick Capital Partners Holding, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX has been contacting me about a debt that has been prove to be invalid and removed from my credit report in 2017. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone threatening to place this item on my credit report. This is a direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Other mortgage) with Live Well Financial, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: House has been vacant for years in violation of reverse mortgage. Association assessments have not been paid for years ( also in violation of reverse mortgage ). 
House has not been maintained. Water is penetrating the exterior shell. As a direct result, the XXXX immediately adjacent townhouses are at risk of water penetration also ( which may have already occurred ). 
We are a small homeowners association, and can not afford the additional burden of a non-paying unit. 
Foreclosure was formally halted more than a year ago without notice or explanation. Foreclosure was reinstated in XXXX 2015 but is presently stalled without notice or explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This agency continues to report a debt that I do not owe. Although they responded to my dispute of this erroneous account, they did not provide proper validation. The correspondence that sent me is from an address that they are not bonded to collect in Texas at. They continue to use this address illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Using a debit or ATM card

Complaint: I used my BB & T issued debit card to get XXXX XXXX from an ATM at XXXX airport in XXXX, XXXX on XX/XX/2017. The ATM machine did not work. After I entered my information and selected the amount of money I wanted to retrieve the ATM screen turned white and after a couple minutes it said that the transaction did not go through and that the machine was out of order. 
When I came back to the US I was surprised that BB & T charged my account {$210.00} for money that I had not received. I complained to my account manager on XX/XX/2017. She initially told me that I needed to contact the XXXX bank who operated the ATM machine and that she was not there to know what exactly happened. After pressing back and pointing out that her customer service approach did not make sense, she placed me on hold to looked further into a resolution. She eventually told me to stop by a BB & T branch to file a complaint. I complied and filed a complaint and the charge was provisionally reversed on the same day. To my surprise and without further communication from BB & T the charge was reversed and my checking account was charges {$200.00} dollars on XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Credit card) with Consumer Asset Management (Texas) (WV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A company claiming to go by the name Consumer Asset Management out of Texas called from the phone number XXXX XXXX XXXX XXXX requesting that I call back by XXXX the next day about a debt on my social. I was requested to call XXXX XXXX XXXX XXXX. They threatened me with orders to put me in front of a judge concerning a debt of {$13000.00} which I do not owe according to my credit reports. They refused to supply anything beyond the name Consumer Asset Management and the phone number already supplied. When asked for the license number and address their response was that it is public domain and was refused this information. When asked for a written validation notice, they refused and said that they will only send out a letter of offer of settlement for {$4000.00}. I again asked for validation notice only and was refused, again only being offered the settlement letter and being told that once that settlement letter was sent I accept the terms of the letter. I refused and said I will not do anything until I receive a validation notice. They stated they are not required to send those out. I said I was reporting them to the FTC and he said " go ahead '' and hung up on me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed