milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit report and I could not believe the items that was there. I had no knowledge of so many accounts! It was amazing to me. I always heard that this type of thing could happen but did not think it could happen to me. I reached out to the creditors to clear my name and they would not move, but instead they asked me for money. These Please help me to resolve these very costly mistakes. They are preventing me from living the life I have worked so hard to obtain. There are several accounts including   XXXX   XXXX   XXXX  . I have no knowledge of any progressive account that I 've ever had and this is not my debt. There is a frontier communication account that I have no knowledge of. Please me to resolve these issues as well. Many inquiries and I am just sickened when I see so many knowing that I never authorized them. Please help!
There are inquiries from   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  , and  XXXX . Please let me know how these companies have the right to place inquiries on my account with no authorization. Please just help me to resolve these errors.

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 10/20/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Since Nationstar became a XXXX sub-servicer of my mortgage loan 3 months ago, the company has failed to post my monthly mortgage installment payments against my account in a timely fashion. Each month, I receive a call from Nationstar inquiring as to where my payment is when, in fact, the company had received my payment well in advance of the due date. I received another such call yesterday ( XXXX/XXXX/2016 ) inquiring about my XXXX XXXX payment. My mortgage installment payment ( due XXXX XXXX ) was electronically sent to Nationstar on XXXX/XXXX/2016. I also received a letter in the mail stating that I would be assessed a late fee if Nationstar did n't receive my XXXX XXXX payment by the end of my grace period. Nationstar has my XXXX XXXX payment! How can this happen month after month? I have reason to believe that the company is failing to post payments in order to access late fees on its customers. This practice is reprehensible!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, XXXX I have mailed all XXXX Credit Bereau ( XXXX, Transunion and XXXX ) concerning the hard inquiry that is showing on my credit report that I pulled for review in XXXX XXXX, XXXX. All XXXX CB 's were notified that I have no business with the said inquiries and considered to be fraudulent activities. The response I received from the CBs were copies of my my credit report and I was told to contact the creditors instead. On XXXX XXXX, XXXX I mailed all request to remove hard inquiry to the following creditors 1. XXXX inquiry date XXXX XXXX XXXX 2. XXXX inquiry date XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX 3. XXXX inquiry date XXXX XXXX, XXXX 4. XXXX XXXX inquiry date XXXX XXXX, XXXX XXXX 5. Total XXXX XXXX XXXX, XXXX 6. XXXX inquiry date XXXX XXXX, XXXX 7. XXXX inquiry date XXXX XXXX, XXXX 8. XXXX Bank Inquiry date XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX inquiry XXXX XXXX, XXXX i have requested from all the creditors thru the letter I mailed via certified mail that I did not authorized any of those inquiries and view my credit report that upon doing so they have violated the FCRA section 1681b ( c ). I also requested all creditors to send me a proof of my authorization to inquire into my credit report. THey replied with no proof of authorization and merely states that it 's valid and factual. 

I am asking your good office to help me resolve this matter. Please let me know if you need any further documentations that can or will help you investigate this issues. 

Respectfully yours, 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 08/22/2015 about Bank account or service (Checking account) with BB&T CORPORATION (KY).
Issue: Problems caused by my funds being low

Complaint: I had a bank account with Bb & t Bank. In XXXX Ky. They overdrafted my account by charging me a monthly service fee. I had the account for multiple months and was never charged it before. So of course I refused to pay it so now they have me blocked in the XXXX and showing up on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ability Recovery Services, LLC (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I asked XXXX to do a complete investigation and to furnish the proof according the FCBA Guidelines instead of their automated system that doesn't thoroughly verify the complete accuracy. As of to date XX/XX/2018 i have not received the requested documents of my disputes and everything has remained the same including a fraudulent account. So in faith of making money from the companies reporting I and others are left with with Inaccurate information. 
It's like the creditors and the credit agencies are working together all in the means of money. XXXX XXXX did tried to get me to pay for an account they no is not mines

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 06-04-2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America 's website did not give me an option to pay my note on the XXXX and XXXX of this month. I have been paying on this bill for around 10 years. I 've never been late.I 've almost always paid my mortgage on the XXXX or XXXX of each month, as this is when I get paid. I make sure not to go over 30 days, however, the month of XXXX had 31 days in it. I went to pay my bill on the XXXX of XXXX, which fell on a Friday and was met with the drop down button not allowing it. I tried on XXXX XXXX, which fell on a Saturday, to make the payment again and was with an error stating that Saturday was not a business day. This forced me to schedule the payment on XXXX XXXX, that Monday. This is online payments and it should n't of mattered if it was a business day or not, as long as the payment was made. I have now been informed that Bank Of America has decided to report on my credit report a late, which will damage me! This is not fair and my records will show that I have paid my bill on the same date of each month. How am I to be penalized because Bank Of America did n't allow me to make an online payment on XXXX of those days, yet the record shows that I scheduled on XXXX XXXX for the XXXX of the month ( the only option )? There was also nobody to speak with over the phone as that department was closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX payment behind on my 2nd mortgage. I signed a payment workout authorization with them in XXXX since then they have got my account all messed up holding payments, calling and threatening to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: Hello, I would like to file a complaint to citibank regarding on a promotion that was offered to me in XXXX XXXX. I opened a citi gold checking account ( account number XXXX ) with a promo code " XXXX '' which would give me XXXX thankyou points after I complete two bill payments in two consecutive months. I was confirmed by several citi representatives in XXXX XXXX and XXXX XXXX that I had successfully completed all the requirements and I would definitely get my points by end of XXXX XXXX. The case had been escalated twice this month when I called and as of today, I have not received the points. I got a letter from citi that I was not targeted for this offer which is definitely not true. The offer page clearly stated the promo terms and conditions while I opened the account and citi confirmed several times that I would get the points and told me all I needed to do is to wait till XXXX XXXX. I am so disappointed with citibank as they were just trying to fool people around. While they told people one thing at the beginning, they are playing games and try not to honor the offer after I have waited for more than 3 months and I was charged for {$30.00} service fee per month. This is not a big bank supposed to do and I am filing this complaint against citibank. I will attach the screenshots and the confirmation I got from citi about the bonus points.

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 02/28/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland MCM collection Agency illegally put me in collections over a XXXX secured credit card that I had taken care of and I them and MIDLAND and XXXX several times over last few years and at MIDLAND and XXXX refused to even show me proof of debt, or acknowledge me. After many many many attempts of contacting XXXX as well to remove both companies, XXXX finally sent a strong letter to MIDLAND and XXXX, and they removed themselves. I am enclosing two letters here from MIDLAND, one in XX/XX/XXXX where they told me they refused to help me, and one in XX/XX/XXXX where they finally conceded. I have contacted both companies through consumerfinance.gov. This is unresolved and until it is resolved to my satisfaction, it remains an illegal crime of FCRA regulations broken as well as causing severe damage to my credit impacting my financial life and livilhood. XXXX sent me a letter recently and in it they proceed to state that I canceled my XXXX card near end of XX/XX/XXXX, when I actually did i XX/XX/XXXX due to a mistake XXXX made in a payment process, I have a witness to this, but also XXXX and MIDLAND should be ashamed of themselves and should be fined by the FTC for I had a XXXX secured card, and I had a {$200.00} deposit. When I canceled the card, I owed nothing, but even if I did, XXXX kept my card open for well over 6 months charging outrageous fees and interest rates and MIDLAND in taking this debt from a creditor who not only put a false claim in general, but hiked up a {$300.00} secured credit card with a {$200.00} deposit, and claimed I owed over {$900.00}. Both companies should be ashamed of themselves. It is my right to get paid for their crimes and I will not rest until it is done, as I went out of my way for a long time to work with them and let them know they were wrong, but they refused to even acknowledge I was alive.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I tried many times to come to a solution for repayment with Navient. No matter how many times I called o would get an entirely different answer. Finally I was told I had ZERO options for repayment and there was nothing they could do. After reading many recent articles such as this one ( XXXX ) I feel better knowing I am not alone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been disputing with GLA Collections for several months to verify the debt they are claiming I owe on past XXXX XXXX. The dates of service are as follows : XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX Since my first dispute, I have yet to receive any contracts or explanations of debt bearing my signature, certifying I owe this debt. I have since filed complaints with the police and FTC in conjunction with their unwillingness to cooperate. I demand that the derogatory items be removed from my credit reports with all XXXX bureaus, due to failure to comply with my ongoing requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 I requested from BOA the closure of my account to stop future overdrafts since I have been having difficluties which have resulted in OD. I asked the bank to close the account to stop paying overdrafts and requested a waiver from OD fees. 
The bank has refused to close the acccount and instead, even after been notified to stop OD, it continues to add OD fees and did not repond to the request other than the bolier plate messages. See copy of messages attached. 
The bank acts in an unfair and deceptive matter since it encourages customers to do as much as possible for account management online, but when this is not convenience for the bank the rules are changed for the bank 's benefit. The account disclosure does not indicate that online request to stop paying OD will not be honored and that the bank will continue to charge fees to the account. In order to settle the matter I will agree to pay immediately the principal amount due prior to the OD plus the additional charges of a low balance fee of {$12.00} this charged was clearly disclosed at the time the account was opened. I would appreciate a waiver of all OD fees since the notification to the bank to close the account. Copies of emails below :

Company public response: Company chooses not to provide a public response
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. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: The Equifax security breach media release provided a website where you could check if your information was breached and have enrollment to a credit protection plan to monitor your record for 1 year.
I went to the website where it confirmed my information was part of the breach and I was eligible to enroll. I selected the enroll button, entered some information, and was presented a message that I needed to follow the line and click 'continue ' to complete the enrollment process. I followed the instructions, but when I did the 'continue ', it returned to the check if data was breached - - it just kept circling in the verify your eligibility screens, One message said because I chose to enroll, that I would not receive further notices from Equifax on any credit breaches. 

I then called the phone number on their website to contact them ( XXXX ). It answered with a greeting, but then disconnected. 

In short : They offer free credit monitoring enrollment, but the website will not allow you to enroll, and by making the enrollment attempt, you relieve them from their obligation to keep you informed. They offer a phone contact for questions/support, but the phone number does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have my student loans through Navient, which is a terrible company and I would never tell anyone to ever borrow money from them. I owe them just a little over {$80000.00}, which I understand that I borrowed the money and I should pay them back. I 'm ok with paying them. I feel that I should pay them, but what they are doing is thievery. I have a total of XXXX loans through them ranging in interest rates from 4.75 % up to 11.62 %. When I called them to see if they could help me to possibly consolidate these loans I was told they are not doing any loan consolidation at this time, which is what I was told every time I called them. They could n't offer me any help to bring my payments down to a more manageable monthly payment. And mentioning monthly payments, I have a lot of them left. I was told my final payment will be in 2035! I will pay off my house before then! By that time I would have paid them over {$200000.00}. I initially only borrowed around {$66000.00}. That 's an absurd profit margin. The only answer I got from them was them telling me to call another lender to try and consolidate some of the current loans. So I am in the process of doing just that, but it would be nice if the company I borrowed from were more helpful. As I stated before, I would never borrow from them nor tell any else to borrow from them. They are a bad company with bad practices. This whole ordeal has made me really wish I did n't even bother going to college, and it makes really think if it 's worth pushing my future children to even bother going. I hope someone can help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been paying on this mortgage for over XXXX years and owe more than the original purchase price. I was told that I refinanced XXXX years ago but I do not remember. 
I would like to fully examine the history of my payments so that I may understand why after XXXX years, and steady payments until I lost my job, this mortgage never goes down. 
I have now been offered by SPS to participate in a 3 month trial period to become eligible for assistance. The trial payment is about XXXX % of my monthly income. How is this helpful? With almost nothing left to live on, this only sets me up to lose my home. 
Further, a balloon mortgage has been offered to me as part of this program. I do not want and will not sign the papers. 
It all seems like a scam to me and a set up for me to lose my home. I will have to move out and rent it to keep it. SPS has not been helpful and has only offered because I complained. I would really like to be helped, and have my mortgage reflect the years I have paid. It 's as if I 've been a renter all these years. 
The way people are treated by mortgagers when they lose jobs or have their income reduces is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: APR or interest rate

Complaint: 1. The credit card is misadvertised at the first beginning when I wassold to apply for this card. I was told it 's a 0 % interest card forthe first 12 months and then 28 % APR. The sales and the customerservices keep using the language the interest is " void '' to mislead itscustomers, and in certain way allure and motivate people to open thecredit card, even I had the full cash to pay for the goods at the timeof purchase. 
2. TD Retail Card Services did n't send me any notification about whenis the deadline of paying the balance in full. I understand yourmonthly statement says the promotion expiration date, which is XXXX, 2015. However, the statement of XXXX XXXX to XXXX XXXX did n't statethe interest deferred to be added on the current balance ; thestatement of XXXX XXXX to XXXX XXXX did n't state the interestdeferred to be added on the current balance either. These statementsdid n't demonstrate that the expiration date is the actual deadline ofpaying off the current balance in order not to incur any surchargeevent. 
3. I paid in full for my previous balance of {$6400.00} on XXXX XXXX, 2015. 
4. 28 % APR is way too high for any standard credit card. The APR isaveraged at 15 % in the United States. What kinda of business wouldoffer such a high APR and 0 % interest rate in the first year at thesame time? I am suspicious about the misconduction of credit businessand I would encourage for further investigation of their customerbase, since I believe I am definitely not the only one who wasmislead, confused by their business.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: at first I got sick and was unable to work, so I ask forgiven of the loan, and I did sign up for the forgiveness program and was accepted, gave this person all my information, even made payments to get the loan forgiven, now I still have the loan, they took my money and I have n't heard from them I paid {$280.00} for three months that was the agreement, and I would get my loan forgiven, they owe me {$860.00} I need them to correct this information and/or refund me my money. I have the records to show you the name of the company, and funds taken out of my bank account. I want to know if this was a fraud/hacker on my computer. please help because all my information is on this computer such as my SSI number, bank information, birthday date etc. please help. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: they sent letter of fraudulent misrepresentation and illegal collection activities

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