milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX - XXXX XXXX. 
XXXX charged {$11000.00} for XXXX classes when I enrolled in the XXXX program Within a month, the recruiter was no longer with XXXX and I continue trying to earn good grades. I dropped out when they tried to hitch me to another {$10000.00} loan. I never seen XXXX dime. I was told, they split that loan into XXXX private lenders. Since then, a XXXX loan has turned into XXXX and I 've been SCAMMED over and over with callers from Nevada and California claiming I could settle this XXXX payments of {$330.00}. In XXXX XXXX I sent Alumni Aid Assistance {$330.00} and documents and emails I sent to XXXX regarding their unfair practice. XXXX what happened after I sent them the money, their phones are no longer in service. XXXX - http : //XXXX/. I thought this was a good company. A man named XXXX XXXX gave me his cell phone number and even that has been disconnected. 

What 's more 3 years ago, another company said they could not take cash or check so I went and got a XXXX XXXX and sent them almost {$3000.00} dollars but my loan balance with Navient is getting higher and not lower. All I wanted to do is get a XXXX with XXXX and pay off this debt. Now, I want to file a law suit with XXXX and Navient. A loan this old does not sound like XXXX to me. I need your help CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I previously sent a dispute letter to the credit bureaus regarding the late payments on my account with Great Lakes. They were verified in which I agreed with and they annotated my credit report as being in dispute. I then sent them a letter by fax on XXXX XXXX which after me calling they received, that I was no longer disputing the account and to remove the dispute. The lady over the phone assured me that the dispute comment would be removed from my credit report. I am currently working with a mortgage broker to get approved for a home and this keeps holding me back from getting approved. Is n't this a violation of the Fair Credit Reporting Act if they fail to remove the dispute comment after I specifically told them it was no longer in dispute? 

I also looked at my credit report and noticed that the updated my account as being XXXX past due as of XXXX XXXX when this account was closed on XXXX XXXX. This dropped my credit score about XXXX points because it shows I was recently late which is not true. How can they get away with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of identity theft and there are several fraudulent inquiries on my credit report that needs to be removed XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has repeatedly ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Its been 60+ days and they can not properly verify these accounts according Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I 've disputed. Please resolve this immediately as its proving harmful to my credibility and deteriorating my peace of mind. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have submitted a written request to Equifax, asking them to remove the consumer statement I added seven years back. The company ( XXXX ), which I was disputing, is no longer disputing. This fact makes my old consumer statement irrelevant therefore incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Checked my report and there is a report from Midwest recovery for {$920.00} from XXXX XXXX XXXX. Never took out a payday loan!

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my XXXX time sending each credit reporting agency a notarized Identity Theft Affidavit. The affidavit contains all information required to block the fraudulent accounts, per FCRA 605B. 

*** I have also requested that if they decline to block and/or remove the information that I am provided a copy of all evidence used in their decision. ***

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with Prospect Financial Group, Inc (CA).
Issue: Application, originator, mortgage broker

Complaint: Prospect Financial Group , Inc. in XXXX XXXX, CA is an unprofessional lending group. What should have been a quick and simple refinance it turned into dealing with a company that made false promises and them dragging out the process that never went any where. They did not provide me with my good faith estimate within XXXX business days once I provided my application. On day XXXX, I still did not have my GFE. This company is out of compliance with HUD.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a charge on my account that was disputed. It was found in my favor. The credit card company issued a refund and I closed the account with a credit owed me for over payment. The sent the check to me account closed. A month later they started calling saying I owe the money after they credited my account. I do not owe the money and the call several times a day at all hours of the night. I had told them to cease and desist numerous times to no avail. They are harassing me and threatening me. I am XXXX XXXX XXXX and afraid Thanks.

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 06-09-2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Letter sent to me pertaining to my DEAD husband 's account. My husband died on XXXX XXXX, 1991 ( almost XXXX yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider XXXX yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (FHA mortgage) with United Shore Financial Services, LLC (CA).
Issue: Closing on a mortgage

Complaint: I was promise by United Wholesale Mortg age ( UWM ), a Lender Credit of  {$2300.00} at 4.25 %. The final interest rate remain at 4.25 % but lender did not give the credi  t. Said that Broker did not locked the rate and cost change taking away the credit and charge on top {$1100.00} as Origination Charges.
First Estimate    XXXX   XXXX ,  2017 , shows rate unlocked,  XXXX   XXXX ,  2017   Estimate  shows rate locke  d, but Lender Credit taking away.
Second issued is that I was Double Dip on FHA UFMIP, paid in front and amount also added to/on principal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (LA).
Issue: Taking out the loan or lease

Complaint: It took out the money from my account early. And tried to take more money out on the due date. I took out a XXXX dollar loan and they want me to pay over a XXXX dollars. Then they have the nerve to call everyone that have come in contact with saying threatening message. They are scams!! I had to close my account because they kept trying to get money and I owed the back for overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/2016, inquiries were removed from my Transunion credit file and several days later they were placed back on my credit file. These inquiries were added back to my file and I was not notified in writing by Transunion. Per the Fair Credit Reporting Act ( FRCA ), Section 611 ( 5 ) ( b ) ( 2 ), that is against the law. I have tried for several days to speak with someone at Transunion, however I have not been able to speak to a person, but placed on hold several times for extended periods of time each time I call.

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 07-07-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to XXXX like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do XXXX every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the XXXX time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each XXXX, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the XXXX time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all XXXX bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Medical debt) with Capital Accounts, LLC (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I am a husband and the debtor is my wife. I received and returned calls on XX/XX/XXXX @ XXXX est, XX/XX/XXXX @ XXXX est, & XX/XX/XXXX @ XXXX est. All three times the debt amount and its collection status was disclosed to me as well as demands for payment although I am not on the debt. They continued to call me and collect a debt even after explaining that it was my cell they were calling, that I am not a right party, and that they needed to speak to my wife. When I asked them to stop calling, since they are only allowed 1 call to update info, they told me they would not cease calling until they received it in writing. I am not a right party, they can not disclose nor continue to harass me for a debt that is not mine. They continue to do this after being told their errors. They even lied to me about legalities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Medical) with ALCHRO INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I looked at my credit and I see that there is a debt of XXXX dollars. Called 1st federal collection and they ca n't find me in the system. I never received any mail in regards to this. Need to be fixed asap

Company response to consumer: Untimely response
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding my immazation record of XXXX Indiana of XXXX XXXXXXXX others frauded as business permits and products and flood and semi truck rest stops and gas cards frauding XXXX XXXX XXXX of XXXX Indiana of my documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: Macy 's is charging me interest on a bill that was paid. They keep adding late charges and they are effecting my credit rating.

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 11-10-2015 about Bank account or service (Other bank product/service) with RAYMOND JAMES BANK, NATIONAL ASSOCIATION (MI).
Issue: Problems caused by my funds being low

Complaint: I decided to invest my money with Raymond James in XXXX, 2015, due to the guarantee of protection that I would be getting with my investment. My financial advisor at Raymond James informed me that he could not provide better returns then what I was seeing on my own but what he could do is promise me protection from any major loss if the market was to go into a tailspin. His investment strategy he was proposing was to set Stop Losses in my plan to make sure I got out of the market at 10 % loss if the market was ever to have a major drop in the market. He could not believe that I had no protection built into my current plan that would protect me from a catastrophic loss and what he could offer me was peace of mind and a guarantee that even in the worst of times I would not suffer more than a 10 % loss due to the protection that he would put in place with his investment strategy. I believe the Stop Loss investment strategy was not properly explained because this strategy did the opposite of protection and caused me to have a major loss. NO RISK was even mentioned. I should have never been promised protection if that was not true. The sales pitch I was given was based 100 % on protection. When the market dropped on XXXX XXXX my account was traded at 40 % below the market in some cases. The value of my account dropped by over XXXX. My advisor said that it was not his fault and this has never happened before. I should have never been sold a guarantee of protection if this was not true. My advisor should not have had me invested in XXXX 's that were not liquid and difficult to find a buyer in a down market. I feel Raymond James and my financial advisor are responsible for my loss by their negligence to understand the inherit risk of an investment plan based on Stop Losses, to properly inform me of the risk involved, to have invested my money in XXXX 's that were not very liquid, and to promise protection from a loss of greater than 10 % and yet I suffered losses of 40 % below the market. The response I 'm getting from Raymond James is not acceptable when they are supposed to stand behind their promise of protection and integrity. They empathize with my situation but say the trades were valid trades even though the orders were filled at prices lower than the sop amount limit was set for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I spoke with a rep last Monday at Experians consumer affairs area. The rep initiated the disputes on my behalf. I faxed over a copy of the police report to them. They did n't ask for anything else. I get an email from them on my work email saying that they could n't honor my request because they needed additional information. I am going to submit it through here that way there is a paper trail. Experian is looking at a lawsuit. I am a victim of identity fraud and I have sent over the required information. I also have proof that was sent over to them and that the fax succeeded. I am attaching that snippet in my documentation. I am also sending over another copy of the approved police report that I sent, a copy of my dl, a copy of my electric bill as well. I anticipate this being finished by the end of the week or I will be filing a small claims lawsuit first thing next Monday morning. I am going to submit a complaint with the ftc as well so that my lawsuit is no surprise. I am over this and very tired of it. I expect to see this resolved no later than Friday. Please see documentation.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, 2017 I contacted XXXX and Equifax concerning accounts that should have been removed. Accounts still remain on my credit report with paid or {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I opened a bust buy credit card to earn 10 % cash back, when i received my credit card statement I went online and paid the balance due in full. The payment due date was XX/XX/2017 which was a Saturday, on Sunday XX/XX/XXXX i paid the balance in full typically when a payment is due on a weekend you have until Monday to make the payment. Furthermore when I logged in on Sunday the balance due in full reflected the same amount as my statement. I paid the entire balance a figured that was it. I never received another statement. On XX/XX/XXXX I received a message from the collections account stating I had a balance of {$140.00}. I called and they said I was emailed a statement on XX/XX/XXXX which I did not receive, it was not in my spam either. When I logged in on Sunday XX/XX/XXXX and paid the balance the account said was due in full of {$4400.00} that should have been the final balance. Again I was 1 day late but it fell on a weekend even when that happens with my mortgage they waive the fee if Payment is received by Monday.

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 01-05-2018 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Struggling to pay mortgage

Complaint: my FHA mortgage loan is with XXXX XXXX mortgage .this loan was taken out in XX/XX/XXXX. I called the XXXX to have my PMI taken off my morgage and they said they would send me a form to request having it removed and that it was my responsibility to have it removed that they would not automatically remove it after reaching 80 %. i spoke to someone named XXXX ... since then i have received a letter stating the PMI premium is required for the life of the loan. Never received the form for cancellation. i am interested in paying off my loan ... but is hesitaint to do so until i can get this matter addressed ... the letter dated XX/XX/XXXX, was send to me by a XXXX XXXX ( mortgage insurance specialist. ) ... i  called the number on the letter and they said because the loan was taken out before XX/XX/XXXX it 's required to keep it for the life of the loan. i asked to speak to a compliance agent and was told no ... .i called my bank on XX/XX/XXXX and asked to set up an appointment with the bank manager XXXX ( us bank on XXXX XXXX in XXXX ohio ) number ( XXXX ) and was told she would call me back to make an appointment and she never did. NO ONE will help me, and i keep getting conflicting answers.

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 09/25/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX of XXXX I had XXXX net work installed. I was told XXXX XXXX would install my internet. When XXXX XXXX came to install it, they said I needed to have phone line installed and to call them. He gave his business card so I could call him/ So I did. Then XXXX XXXX was charging me for the installment. Calls to XXXX XXXX and XXXX XXXX billing manager ( 3 way calls ) did not solve the issue. 
Then XXXX XXXX turned the bill over to Convergent, a  collection agency. I answered their letter but it was rejected for not enough information and sent to the credit bureaus. 
The bill started as {$260.00} and now is {$370.00}. 
I have talked to XXXX XXXX billing, a XXXX ID # XXXX. This is the following information XXXX gave to me. Disconnect order # XXXX, XXXX XXXX, XXXX 
my acct # with XXXX XXXX is XXXX. 
I need this item corrected on my credit bureau reports. All 3 credit bureaus.

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