milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2018 about Debt collection (Private student loan debt) with Clarfield, Okon, Salomone and Pincus, P.L. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have been sued for two private student loans in XXXX XXXX XXXX Florida. These loans are past the statute of limitations in Florida as they are more than six years past the first payment due date in the notes. 

I am a 100 % XXXX XXXX adjudicated since XX/XX/2013. I have had legal representation on all debt since 2013 and XXXX XXXX XXXX was notified of my XXXX and legal representation. It is a violation of the FCRA for these actions to have happened at all without response to or contacting my legal representation. 

Additionally the companies have tried to present this as credit card debt and not promissory notes, fraudulently misleading the court. 

These actions also violate the consent order by the CFPB and XXXX XXXX XXXX XXXX case Case XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

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

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 did not disclose a hack in which my personal information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (FL).
Issue: Can't contact lender or servicer

Complaint: I received my loan from  Title Max   XXXX   XXXX   XXXX   office. I have moved to  XXXX  for work. I now have a   XXXX   drivers license and my trailer is registered in  XXXX . I need to register my truck in   XXXX   To do that I have  XXXX  option s : Title Max se nd my   XXXX   title to the   XXXX   XXXX   and then   XXXX   send s title Max  the new    XXXX    title  ( thi s is common ). Or  Title Max  sends   XXXX    XXXX  a letter refusing to send the title . Title Max  refuses to do either. I have talked with the office  manager a nd she says she ca n't do either. On  XXXX   XXXX  I reached out  Title Max corp orate and they gave me number to dis trict manager . I have left numerous messages and not call or solution. I contacte d Title Max  corporate again on  XXXX   XXXX  letting them know I have gotten no where. I reached out to corporate again on  XXXX   XXXX .   Now my temporary   XXXX   plates are expired, I c a n't drive my truck to work, I ca n't work, ca n't get paid,  ca n't pay loan. All of this is because of  Title Max.  I am also a  XXXX  veteran and c a n't drive t o appointments.     The original address on the loan was  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Consumer Loan (Vehicle loan) with KEYCORP (NY).
Issue: Managing the loan or lease

Complaint: First Niagara Bank was bought out by Key Bank. 
During the transition some accounts disappeared and such. 
For Me I was locked out of my account for over 40 days and could do nothing about it. 
I visited a branch and was told they would fix it, but did nothing. 
I have been in communication with the executive office and keep getting the run around and now several months later, issue is still yet to be resolved. 
I continue to have my credit damaged because of their failure to correct this error. 
They have waived late fees, but not any interest or doing anything to compensate for the issues arising out of the situation. 
The executive office refers me to the auto loan collections department who on 3 separate occasions have refused to update information that was advised by the executive office.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (FL).
Issue: Account opening, closing, or management

Complaint: My issue is with Syncronybank, issuer of CareCredit. I have set up all my payments account via online. Not realizing I gave my credit card number, which expires instead of giving my checking account number. In XX/XX/2016 my banking card number was changed. As a result no payments were sent, thus rendering my account 'late ' with late fees. In the meantime I was having a hard time getting thru to CARECREDIT.com to make my payments. I found myself going into a loop with referring me to Syncronybank. The time of day I would attempt to get on site to handle my business appeared to be after hours. With long wait periods or speaking with someone where I encountered communications barriers. The Syncrony Bank XXXX. XXXX Representative and Number goes directly to XXXX and not a XXXX call center unless XXXX request XXXX call center. Or long waits and no one on the other end so that I can correct and set up my payments. I attributed this to after hours so I would attempt to come back and handle my business at another time. In the meantime, I have no access to my account on line to make any correction/updates. Once I 've gottan thru to Syncrony Bank their only order of business is to get their payments and will not assist in my obtaining access to my account so that I may set up my payments. In the meantime I also received a new CareCredit number and I was not able to set up my new account. 
I received a statement in the mail, where I 've set up all my accounts to be paperless and receive my current statement and notification when payment is due and received. They were not able to assit me in setting up my new account until payment was made. They will not wave the XXXX or XXXX late fees but did adjust the XXXX late fee of {$37.00}. My balance without the late fees is {$71.00} and I was willing to make the payment in full once they would adjust the XXXX and XXXX. The supervisor refused to dismiss the XXXX & XXXX late fees. The fact that I have not been unable to get into my account and make the update was of no concern and would not take this into 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 monetary relief
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, XXXX my son, XXXX XXXX XXXX used my JP Morgan Chase debit card to put his share of the rent, utilities, cable, telephone, and insurance for XXXX into my account through the ATM. We do things this way because I am XXXX XXXX XXXX and it is very hard on me to get dressed, go to XXXX to get his monies, then go to Chase and make a deposit into my account. This rule against others putting money into your account is very hard for those of us who are older, in bad health, and have XXXX issues! Anyway he got distracted by this woman ( My son is on Social Security XXXX due to XXXX problems, XXXX jobs since he was XXXX XXXX XXXX. ) and did n't come home as he usually does. This woman, XXXX XXXX XXXX got my Chase debit card from him and used it to take {$420.00} out of my checking account. Chase at first put the money back, then took it out again because their policy is that any chiped card transaction is the fault of the card holder and they will not do any investigations period. 
I never met this woman and I certainly never gave her permission to access my monies. Nethier did my son. This bank is treating me like I am a criminal, not a victim. 

JP Morgan Chase Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Routing Number : XXXX Account Number : XXXX If you can help me get my money back I would be very grateful. This is causing me much emotional distress. I do n't have much of anything anymore and I am in costant pain. 

Thank you. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient continues to report false information about my student loans. I have repeatedly asked Navient to stop reporting fraudulent and incorrect information to the Credit Bureau 's about my student loans which they refuse to stop reporting. I have now reported this to the Dept of Ed and also filed a Fraudulent Claim also with the Dept. of Ed. I have also contacted the Consumer Protection agency regarding this Fraudulent reporting. I have also now found further evidence about their fraudulent activities regarding the handling of student loans which I am sure I also qualify for : In itslawsuitandpress release, the CFPB alleges that, among other allegations, Navient " systematically and illegally [ failed ] borrowers at every stage of repayment, '' including : created obstacles to repayment by providing bad information ; processed payments incorrectly ; failed to act when borrowers complained ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and harmed the credit of XXXX borrowers, including severely injured veterans The CFPB also alleges that Navient improperly directed borrowers into forbearance when these borrowers otherwise might have qualified for income-driven repayment plans, and did not adequately keep borrowers in income-driven plans informed of deadlines to maintain their eligibility under such plans. " For years, Navient failed consumers who counted on the company to help give them a fair chance to pay back their student loans, '' said CFPB Director XXXX in a statement. " Atevery stage of repayment, Navient chose to shortcut and deceive consumers to save on operating costs. Too many borrowers paid more for their loans because Navient illegally cheated them and today 's action seeks to hold them accountable. '' In astatement, Navient denied all allegations and said the lawsuit was politically motivated. 
I have since sent Navient another updated and notorized Dept. of Ed/Navient Fraud document mailed today. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Medical debt) with Walwick, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Merchants credit association continues to report a collection account that is not complaint with the CRA reporting requirements XXXX XXXX 2017.

Company response to consumer: Untimely response
Consumer complaint received 06/15/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (IA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, we experienced a house fire. The insurance company cut a check for {$84000.00} on XXXX XXXX, XXXX for home repairs. Due to the amount of the check, Wells Fargo sent the check to their Property Loss Claims Department in XXXX SC. Wells Fargo lost the first check. We had to go through the process with the insurance company to cancel and reissue a second check. Since then, our family has paid XXXX out of our pocket and borrowed from family members to get work started and to continue work. And if we do n't have our first draw by Friday, we will have another {$3000.00} to pay out of pocket. We have resubmitted paperwork we thought was completed, without any follow up communication it was n't completed until we called back last week to check on the money. Thats when we found out we still had more to complete before they could issue the draw. We have talked to at least half a dozen different reps at the loss department, each XXXX telling us we had more to do to get the process moving up until last week. On Thursday XXXX XXXX, I asked to speak to a supervisor after I was not getting the assistance I needed. I spoke with XXXX XXXX on Thursday and Friday. She gave me her priority fax and direct line, and said the check would be cut on Monday, sent out Tuesday, XXXX XXXX, via Fed XXXX, to arrive on Wednesday. As of today, Wednesday, it had not been sent yet. I have now left XXXX voicemails for XXXX XXXX since yesterday to check on the first draw and get the XXXX tracking number to follow the check to us. She has not returned any of those calls. I can not understand how it takes 3 months to process a first draw of a check due to us after going through a house fire and maintaining XXXX houses, paying for repairs out of our own pocket. This is unacceptable.

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 03/27/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (AZ).
Issue: Problems when you are unable to pay

Complaint: Had a vehicle loan with Prestige auto, after years of paying and being harassed by the company we voluntarily gave back the vehicle we then filed bankruptcy in 2006 and Prestige was an account on the bankruptcy, I have requested this to be deleted off my credit report and no one is doing this also there i a address in XXXX on my credit I have only lived in XXXX My entire life never anywhere else. This has caused me no to get jobs, places to live and loans

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: All of the following transpired at XXXX XXXX XX/XX/2017 This morning I received and email alert from my account that payment was returned. I immediately contacted them. Was told it was returned as unable to locate my account. I looked and they deleted the payment account information in which I used to pay so the first agent said asked me to verify my last 4 of my payment account and said it was missing a number I asked why I can see this online and he could not answer my question to verify if this was in fact my fault or not. I asked fee to be waived was told no, asked to be transferred to a supervisor and was disconnected in the transfer. I called back but while I was calling them received a call from them to collect payment. The agent DID NOT VERIFY me by date of birth, Social and said I had over balance of XXXX and a late fee with a return fee which I do not. THIS IS A DIRECET violation of FDCPA and will be reporting them to FDCPA also spoke to a supervisor and asked fee be waived she also said she could not verify what account was used for payment ... .so who is lying the agent or the supervisor. I told them all my calls are recorded and I have in fact proven they DO NOT know what they are doing and would pay my entire balance off EXCEPT the {$25.00} returned payment fee and I have done that and now closing account and told them if they report negatively on my credit report will sue and file complaint with FDCPA. Supervisor said in state of Texas they do n't have to identify as attempt to collect a debt, or who is on the phone which FDCPA supercedes state law.

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 10-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am currently in the process of refinancing a loan through XXXX XXXX, my current provider is PNC. As part of the underwriting process XXXX requires that i show 12 months of statements from my PNC account, when i contacted PNC 4 weeks ago they stated they can not provide that information and I need to login to their site to get my statements, they proceeded to tell me i needed a pin to create an account they said it could take 5 business days. When 5 business days went by i called them back they stated i must have missed it?? so they supposedly sent another one again after 5 more days no pin so i called back to speak to a manager which to my surprise was not present at the cll center so again i requested a pin, another 5 days went by and no pin. My next step was to go to the local branch according to the local branch they were on a different system and could not provide statement regarding mortgages. It has now been over 4 weeks since my first request andI still can not access my statements no one has followed up and i feel as though i am being held hostage given i can not provide the necessary required info to refinance this is unbelievable that this kind of thing can happen. Given the review i have read this seems to be common practice for this organization and should be addressed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Summit Consumer Group (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I got repeated calls saying, " A complaint is being filed against you that requires your immediate attention ... '' They left this number to call : XXXX. 

When I called they informed me that XXXX was suing me for an unpaid bill of {$1000.00}. No such bill exists. However I did have a bill with XXXX that totaled {$160.00}, a different debt collector had it and it was paid off. 

There were XXXX people that I spoke to within this offic. I informed them that I believed it to be a scam and tried to request more information and XXXX of them transferred me and XXXX of them hung up on me. I finally got someone who gave me more information and he informed me that they could have received this bill by mistake but that I should still prove that it had been paid. The offer was to prove payment, handle it outside of court by paying them 60 % upfront or all of it through payments or being taken to court where I could fight it. 

Their website does not look completely real and they use a false address, that when searched on XXXX maps give a ups location.

Company response to consumer: Untimely response
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DEEP SOUTH FINANCIAL SERVICES INC. (LA).
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 sent the company a certified letter dated XXXX XXXX,2017 stating '' This letter is regarding Act. # XXXX, which is listed Discharged in Bankruptcy. This is a formal notice that your claim is disputed. '' I never received any response back from the company about my dispute nor was it ever listed that I was disputing this account on any of my credit reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed account XXXX from XXXX XXXX XXXX reporting inaccurately on my credit file. I was [ n ] ever late with respect to this account. Experian has conducted an improper cursory investigation into this account. A Consumer Reporting Agencies reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. See : XXXX v. Experian Information Solutions , Inc., XXXX XXXX XXXX ( 2010 ) .Please provide me with the method of verification as required under 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech informed us in a mandatory One Time Private Mortgage Disclosure that as of XXXX 2016 that our LTV ratio based on the original value of our property was 77.5 %. We called in XXXX to enquire why the PMI was still being charged to our monthly payments, when we have the legal right to Automatic Termination when the LTV reached 78 %. Customer Services could not give any information, refused to connect us to a supervisor or to a representative from the Escrow Dept, simply stating that all PMI termination requests had to be made by mail to the Escrow Dept. We therefore wrote to the Escrow Dept, requesting Automatic Termination effective as of XXXX 2016 and a refund of the PMI charges made since XXXX. The Escrow Dept responded by mail in XXXX that this request was denied because we had not authorized an appraisal, which would be at our cost. We again called Customer Service to explain that our PMI should have terminated automatically ( as our LTV of 77.5 % was less than 78 % ) and that we were not requesting cancelation of PMI, which we understand may require an appraisal or BPO ( and which would only apply when LTV is between 80 % and 78 % ). The Customer Service agent was again unable to provide any help at all, could not understand the issue and proposed that we write again to the Escrow Dept, who would respond within a month. 
Ditech is clearly not complying with the Federal Law regarding the process for cancellation or termination of PMI, and through either incompetence or dishonesty are illegally continuing to charge PMI when they should have automatically terminated these charges. Given the high number of similar complaints already made to the CFPB about Ditech, this would appear to be a systematic issue rather than a one off, and therefore we consider merits a Federal audit or investigation to protect the rights of all Ditech customers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation