milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Student loan (Federal student loan servicing) with Fedloan Help (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I did not send any paperwork to FedLoan Servicing company or personally request   XXXX   to send them documents for me. I would never ask   XXXX   to do such a thing as they recently stated in their response. A representative of  XXXX  in   XXXX   2017 stated to me that " someone had emailed them paperwork with my name attached on the document. "   XXXX   is taking upon themselves to falsify documents and I hope that such a company will be held accountable for their ill actions. For   XXXX   XXXX   constant wrong doing against innocent people such as my myself I would like them to face charges due to their overall negligence in the matter. I,   XXXX   XXXX  , sent certified documents to  XXXX  in  XXXX  2017 with my authentic signature on my own will and accord in which I did not email them any forms to them ever like they have stated several times now. In   XXXX   2017 I did not reach out to any companies requesting they send   XXXX   or FedLoan Servicing documents on my behalf.   XXXX   is being allowed to run a scale operation and scam with fraudulent activities while affecting the many lives of so many others such as myself. This type of malicious harm against innocent people has to stop and I hope you 're bureau will help in bringing justice!

Company response to consumer: Untimely response
Consumer complaint received 02/15/2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Application processing delay

Complaint: I applied for an AMEX XXXX loan after receiving a preauthorization notification in the amount of {$5300.00}. 

I electronically signed the documents within the specified time frame, called their call center to confirm. I was told It would disburse within 72 hours. Now it 's showing cancelled, that I did n't sign the documents and that I need to apply again ( causing another inquiry on my credit report. ) Unacceptable and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 09/23/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a two-fold complaint regarding a house my father owned and has now been transferred to me in a trust. 
1. When my father was alive, we attempted to refinance the home under Obamas HARP program and were told that my father was not eligible for the HARP or any other program. My father is now deceased. 

2. When JPMorgan Chase found out that my father died, they have misappropriated escrow monies ; have a conflict of interest by putting lender forced insurance on the house through JP Morgan Chase ; have held mortgage payments in suspense creating late fees ; and not applying escrow funds that were sent in the form of a cashier 's check, certified mail with return receipt. I believe this bank is attempting to force a foreclosure on this property which is now my property. They are refusing to speak to my husband who is a POA in addition to myself despite my writing a letter to them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am currently a XXXX and have been since XXXX 2014. However, in XX/XX/XXXX my Stafford loans from my XXXX were taken off of in-school deferment status by my servicer ( Great Lakes ) and I was asked to resume repayment and interest started accruing on my subsidized loans, which should be interest free while I am in school. 

I have twice submitted the form documenting my XXXX status ( signed by the registrar at my current university ), spoken with Great Lakes on the phone at least 8 times, and sent multiple emails trying to resolve the situation but they still have not resolved the issue. I have been given the run around rather than people actually trying to help me. For example, I was told they could not help me because their " system was temporarily down '' on multiple occasions separated by several weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with American Credit Bureau, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I obtained veterinary services from XXXX on XX/XX/XXXX at time of service I gave my credit card as payment. Was given a receipt showing the bill paid. I received a notice from XXXX stating that I owed them money for services received that day. 
I figured it was a mistake and ignored notice. I then received notice from a debt collection agency called American Credit for XXXX threading to put negative information on my credit report. I called XXXX  and they do not know why the payment was not processed, but according to them it was not ever processed. I looked through my records but did not see payment going through but have since changed banks and do not know if it was processed. I offered to make payment as I do not want my credit ruined. XXXX would not accept my payment as they stated it had gone to collections on XX/XX/XXXX and I could only make payment to American Credit at XXXX what added a fee to the bill. At this point I am not sure what to do and I feel like I am being scammed. How can a company give you a receipt at time of payment and then say Oh sorry did not process it correctly and you owe us the amount.

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 10/28/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We were working on a short sale and the lender XXXX service release the loan to BSI. What the investors at BSI is wanting is illegal, and is trying to force the homeowner into a deed in lieu. This is why XXXX XXXX XXXX now has a class action suit against them. Per regulations when a loan is service released with a VALID approval the new servicer is to honor the terms. The short sale was approved on XXXX XXXX, 2016 with a closing date of XXXX XXXX. On XXXX XXXX, the approval was extended good through XXXX XXXX. The loan was transferred to BSI on XXXX XXXX ( per attached letter ). With that said, the approval was indeed valid at the time of the transfer and we would have closed by XXXX XXXX if BSI had promptly honored the terms as they are supposed to. 

BSI has been jerking me around for the past month and a half. I was originally working with an XXXX XXXX and he confirmed that BSI would honor the previous terms of approval and that we could expect an approval letter within in a day or so. Everything seemed fine until one day you were suddenly assigned to a XXXX XXXX and then started stating the investor will not allow a short sale and wants to do a deed in lieu. I will also be contacting BSI upper management/ombudsman to seek resolution on this matter in addition to filing a complaint with the XXXX. 

Thank you Kindly, XXXX XXXX Senior Negotiator Loss Mitigation Group P : XXXX F : 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 10-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i had a bill in the amount of {$500.00}. to XXXX in XXXX XXXX went to collections with XXXX XXXX XX/XX/XXXX for XXXX.then to XXXX for {$1800.00} XXXX XXXX XXXX then to XXXX. for {$1800.00} XXXX XXXX XXXX then to afni. for {$2000.00} on XXXX XXXX last reported XXXX XXXX XXXX by afni for {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit card () with SYNCHRONY FINANCIAL (VT).
Issue: Other

Complaint: SYNCHRONY BANK offered to upgrade my Paypal Smart connect to a Paypal Extras Mastercard. According to all paperwork given, the new account would have all my account history transferred over. My old Paypal SC account has been closed on my credit report and a new account for the Mastercard open with a new account date of XXXX XXXX instead of XXXX XXXX. This has caused my credit score to drop as it looks like i have sought and received new credit when infact it is the same credit line as before but under a different product type. As such, this violated the Fair Credit Reporting Act, which requires the bank to report only accurate information. Stating that i have opened a new account, when in fact i have not. I could understand if i initiated the upgrade, however the bank did and not me.

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 07/25/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NM).
Issue: Trouble during payment process

Complaint: they froze my line of credit

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 09/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: To whom this may concern, This is a follow-up to my previous letter sent to Equifax on XX/XX/2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to Civil Code Section 1785.20-1785.22, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate. 

Sincerely Yours,

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates , LLC, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies. 
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by Portfolio Recovery Associates , LLC. In XX/XX/XXXX I mailed Portfolio Recovery Associates LLC a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for. 
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. 

They received it around the end of XX/XX/XXXX. In early XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above. 
I allowed XXXX months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed Portfolio Recovery Associates , LLC that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's Cass- XXXX Opinion Letter. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired. 
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a student loan from Navient ( at the time XXXX XXXX XXXX when I was in college at XXXX XXXX. My senior year, I needed an additional loan, so I went back to XXXX XXXX, and because I did n't know anything about borrowing money or taking out loans, they offered me a loan " just like my first one ''. It turned out that that loan had nearly twice the interest rate. After college, the job market was terrible and I did n't make much money and was just paying interest. As years passed and I got a good job and made more money and XXXX XXXX became Navient, I made MORE than the minimum payments for years to Navient - but little was changing with the impact in my student loan debt. I did research and reached out multiple times, and what they were doing was, taking my {$200.00} per mo payment, putting as much as they could towards the interest on the high interest 2nd loan, and the rest towards the interest and principal ( the little that was left ) towards my lower interest first loan. I was treading water essentially for years ( I also have had another loan with XXXX XXXX, and I still have one with XXXX XXXX XXXX that has changed hands multiple times ). When I reached out, I told them I wanted to adjust the percentage of how my payment was being used. They told me I could n't. They lied about a few other things and then eventually they told me that " they have no control over how the money I pay is allotted to my loan sequences. '' So I saved my money, and when I had enough to pay it off in full, I called back and said that I want to pay it off. They said it would be hard, they may not be able to do it, excuses, excuses. It took months, but I had to write an actual letter and mail it, asking for my loan sequences, asking for payment amount. It took them forever to respond. I then had to write an actual check to pay it off. In the meantime after I uncovered this awful practice, I paid months of interest during this process ( on top off all the shady business practices they had that made my payments go towards little of my principal ) and I finally paid it off. If i did n't have the money to pay the lump some a few years ago ( around XXXX or XXXX ), I never would have been able to do anything. I was given a predatory loan when I was in college and they used predatory practices to keep me in debt. I still have that first loan remaining with them and 10 years after graduating, I can say that this company has done a lot of negatively impact my life and I 'd like to join any lawsuit or class action lawsuit against this company. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Reference : DISPUTE PER CREDIT CARD CLOSED AND THAT STILL APPEAR IN THE INQUIRIES SECTION FROM XXXX. Reviewing my credit history of XXXX XXXX XXXX, I found that in the INQUIRIES section from XXXX  still appears a credit card from JCPenney and closed in XXXX XXXX XXXX, please see attached evidence in pdf format. Previously, between XXXX and XXXX of XXXX, I contacted several times to customer services of JCPenney in relation to this issue, but they never take action to resolve this matter. . For the reasons stated above, I kindly request to remove from the section INQUIRIES any information reported by JCPenney to the Credit Report Agencies, this is an abuse because hard inquiries will impact my credit score.

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 03/20/2018 about Debt collection (I do not know) with Professional Credit Management, Inc (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I WAS AFFECTED BY THE XXXX SECURITY BREACH AND ALSO A VICTIM OF IDENTITY THEFT. THE COLLECTION AGENCY IS PROFESSIONAL CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX  ... .COLLECTING FOR XXXX XXXX XXXX THIS IS WHAT I AM SEEING ON MY CREDIT REPORT. I REACHED OUT TO XXXX  ON THIS ISSUE AND THEY REMOVED IT AND BLOCKED THE COMPANY. I GET A LETTER XX/XX/18 FROM XXXX STATING THEY VERIFIED THE COLLECTION AND PUT IT BACK ON MY REPORT. QUIT NATURALLY THE COMPANY WILL SAY ITS MINE BECAUSE MY INFORMATION MUST HAVE BEEN USED BY FRAUD..XXXX GOT SOME NERVE AFTER ALL THEY HAVE PUT US CONSUMERS THRU LETTING MILLIONS INFORMATION GET STOLEN. THE AMOUNT OWED IS {$260.00}. I HAVE WRITTEN TO THE AGENCY AND ADVISED THE ACCOUNT S FRAUD, I HAVE NOT GOTTEN A RESPONSE THAT HAS BEEN MONTHS, AND ALSO CALLED THE AGENCY AND THE COMPANY THEY ARE COLLECTING FOR NO RESOLUTION BECAUSE THE REPS WERE SO RUDE, SO I ENDED THE CALL..XXXX  IS RESPONSIBLE AND NOW THEY WONT FIX IT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX XXXX, 2015, I obtained a credit report for myself from Experian. The report shows XXXX potentially negative items & XXXXaccounts in good standing. 

On the same day, using Experian website, I started a dispute to remove a comment on my XXXX accounts with XXXX XXXX XXXX. Those were closed mortgage accounts but with a " consumer dispute .... '' noted on the accounts. They were all good standing accounts but with JUST one late payment reported and of which I did not agree. 

On XXXX XXXX, 2015, Experian sent me an updated report # 1. On the report, XXXX of the XXXX XXXX XXXX account, is NOW showing 15 months of 30 days past due and 1 month of 60 month past due. I called Experian and talked to XXXX who told me he would look into the matter. 

On XXXX XXXX, 2015, I got updated report # 2 from Experian. The negative items with XXXX XXXX from report # 1 were gone. But a new 3 months of 30 days past due and an unknown item now reported with another XXXX XXXX XXXX account. 

On XXXX XXXX, 2015, I called Experian and talked to XXXX who did not seem to understand my concern of the matter. I requested to talk to her supervisor and was told that the supervisor was not available and would call me back within 72 hours of business day. 

With no further response from Experian, on XXXX XXXX, 2015 I sent the company a certified mail requesting correction on the mistakes. And on XXXX XXXX, 2015 Experian sent me an another report ( # XXXX ). But the report is not updated and still showing the same mistake. 

I believe that Experian is responsible for the mistake as everything was okay until I requested the company to remove a 'consumer dispute ' comment from the closed XXXX XXXX XXXX accounts. Then incorrect information on the XXXX XXXX accounts are starting to appear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX I return the jewelry to XXXX XXXX within the time under the return policy. I call Citi Bank at the time they told me they was working on the issue. I was later put off time after time. No return call some one always going to get back to me. Wrote Citi Bank disputing the issue and had all rights to cancel the agreement. Citibank let the time run out and then call me after the fact. I had talk to them several times. 

Citi Bank does not do what they say its just the run around.

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 03/14/2018 about Debt collection (Medical debt) with Experian Information Solutions Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was not mine. However I paid it and was promised it would be deleted from my report. I was provided a delete letter. It is showing on my Experian report. I request it is deleted immediately. The debt is from XXXX XXXX for {$260.00}

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