milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My son was readily provided with numerous school loans from XXXX in XXXX. I cosigned a loan for him six years ago. When he was unable to afford all of the monthly balances, I stepped in to help several years ago. I made a large payment believing the loan was almost satisfied. It has taken me two years to get answers, loan paperwork and exact balances. In the past two years, after countless phone calls and letters from my end, interest capitalized. I requested an ombudsman this XXXX but was actually connected to a Navient employee. My concerns are lack of explanation to my son when borrowing all of this money, lack of communication to me as the cosigner over the past several years, and incorrect statements by Navient. One example of this was a recent conversation with a " top '' loan administrator who insisted that I should have known about increasing interest penalties due to monthly statements. I have never received statements and was told on several phone conversations that as the cosigner I had no right to specific information. As it turns out, they did not have my address correct. Statements were never received by me. I corrected my address with Navient in XXXX of this year, and have yet to receive any statements on this account. In order to reduce the extremely high interest rate, I borrowed as much money as I could three months ago to pay down the loan. I have a small balance left to Navient, and still can not get statements. I have also tried several times unsuccessfully to pay online these past two months. The insistence that I should have known all along what was incurring is incorrect as statements were not received by me. The address they had on file this summer was not even an address I recognized. I was also told repeatedly over the past four years by phone that I was not allowed to get specific information, which I believe as a cosigner is also incorrect. Interestingly, I recently heard an interview on XXXX by a young woman stating that she was offered and given numerous loans from The XXXX XXXX XXXX XXXX XXXX, XXXX, without a clear understanding of how much debt she was actually incurring. These young people are getting themselves turned upside down financially unknowingly before they even have the opportunity to make an income. My frustration is the way Navient mishandled communication and has cost me thousands of extra dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been monitoring my credit report ever since I was informed by my credit card company XXXX XXXX XXXX on XXXX XXXX, XXXX that I have been a victim of Identity Theft. Someone stole my personal information such as my name, date of birth and social security number to open several or numerous credit card accounts without my consent. The suspect has been committing the crime of theft under my name since XXXX XXXX. The suspect used a fake address of XXXX XXXX XXXX, XXXX California to obtain these credit cards. I had to dispute most or all of the fraudulent charges against me due to Identity Theft. I already filed a XXXX XXXX Police report on XXXX/XXXX/XXXX and placed a Fraud Alert and Security Freeze using XXXX Credit Bureaus such as XXXX, Experian and XXXX. On XXXX/XXXX/XXXX I sent Experian a XXXX XXXX Police report, my current California driver license, my social security card, my DMV bill and property tax bill in order to verify my real true identity. I do NOT know if Experian received these personal documents or the fact Experian loses items from customers. I already told Experian that I do NOT live in XXXX XXXX XXXX, XXXX, CA on several occasions. I told Experian that I have been living in XXXX XXXX, CA since XXXX. Experian insisted that I send them another copy of my driver license and other personal documents again. Experian still refused to assist me and failed to answer my phone calls by putting me on hold for over 30-45 minutes every time I called. I already sent Experian all my personal documents on XXXX/XXXX/XXXX. I just do n't know why or how Experian lost my documents. My identity has already been stolen and Experian lost my personal documents into the wrong hands of criminals. Experian refused to conduct a thorough investigation based on my requests. Experian refused to assist 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 non-monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Cherrington Firm PLLC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Provided written documentation to debt collector and spoke with them on the phone regarding the accounting issues with the business they represent. The written documentation shows a clear history of payments being sent and received by the business from me. Debt collector is attempting to further pursue the collection effort without acknowledging the provided documentation and they are attempting to add {$250.00} to the amount being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: yes i have more information about sears credit card fraud investigation name people has card is XXXX XXXX and her husband put it under my name got account open under my name fraud need to be stop now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is in regards to  Hunter Warfield .  Best Property Management Inc,  and   XXXX   XXXX   is attempting to collect on a debt that is not owed.   XXXX   XXXX   XXXX   is a property management company. The owner of the property and I have a dispute.   XXXX   XXXX   sent this matter to a collection company called  Hunter Warfield. Hunter Warfield pulled my credit report without my permission. Before they had mail me a letter, the pull the credit report from  XXXX . This is wrong.    The matter is in question was filed with the  California Fair Housing and Employment  agency. A lawsuit is pending on the matter. Best Property Management is a defendant in the matter.  XXXX   XXXX   XXXX  does not represent the owner. She has an attorney. This collect attempt is unlawful.      Hunter Warfield do es not represent the owner of the property. He does not have permission to try and collect on a disputed debt. Surely, I have 30 days from the receipt of the notice to protect the amount demanded. I wish to have the matter dropped and for the owner 's attorney to continue pursuing this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XXXX XXXX, XXXX, I sent a letter of dispute to Equifax that involved a public record showing on my credit report as it is showing inaccurate information. On XXXX XXXX XXXX, I recieved a notice from Equifax displaying the results of the dispute. Equifax stated that the information was verified through a consumer reporting agency called XXXX. In XXXX of XXXX, I placed a security freeze on my account with XXXX, as a result, on XXXX XXXX, I contacted XXXX in regards of my information being released to Equifax because I originally initiated a security freeze on my account.I spoke with a represenitive by the name of XXXX XXXX XXXX ) and he explained to me that once a security freeze is placed on the account, no information is released without my authorization. It is my belief that Equifax is engaging in dishonest and deceptive practices by stating that they obtained information when they have not. I dont feel as if a thorough investigation has been done as it only took them about a week to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Medical debt) with ARC Management Group, LLC (LA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On   XXXX   XXXX  , 2017 I went to the emergency room and before I left I told them I had  XXXX . I did n't receive anything in the mail I just seen it as a derogatory on credit report. Arc Management Group shows {$1200.00} only on my   XXXX   report. Arc Management Group does n't even answer the phone number when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: Santander Bank declined a debit card transaction even though my account had sufficent funds to cover the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03-04-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Synchrony Financial for 5 years charged me almost a combine {$9000.00} in credit card insurance fees. After I figure the issue out they I approached the bank and they returned the money without interest. However, Synchrony Financial removed money from my payments over a 5 year period. Money that should have gone to paying off the principle of my debt. By doing this SF profited off of the misappropriation of my payments somewhere in the amount of {$6000.00}. So while SF was holding money that belonged to me they were simultaneously charged me interest. When I approached Synchrony Financial regarding this issue they paid off the remaining balance of the credit card of XXXX. Then after all that they sent me a XXXX Cancellation of Debt. Never, not once was there any mention of discharge of my debt rather that SF would return a small portion of the money they essentially stole from me by paying the remaining balance of my card. 

I have all the calculation when you are ready to see them..

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 06-06-2015 about Debt collection (Credit card) with National Check Resolution Inc. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX called XXXX times and said he was going to come to my place of work or home to serve me court papers if I did n't call XXXX. I called the number got no answer the next day a block number called me saying he was XXXX XXXX from NCR. I called the number back a lady answered but only said hello no company name or anything, she seemed nervous. XXXX XXXX got on the phone and said he was trying to collect XXXX for XXXX XXXX. He asked why I stopped paying and I said I was on-the-go hospital. He said he would talk to his lawyers to stop any legal action if I paid the bill. I told him I did n't have the money I was behind on things told me to give him a credit card, debit card or prepaid card, no checks to pay the XXXX then set up payment of XXXX every 2 weeks. I asked him for documention and why I never received anything. I have him my email on Thursday XXXX XXXX, he told me his Secretary would send me something and as of XXXX XXXX on XXXX XXXX I still have not received anything. He is supposed to call back on Monday XXXX XXXX to get payment or serve me with court papers. I feel this is a scam and do n't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have had my federal student loans in a forebearance status due to financial difficulties. I have explained this to Navient on multiple occasions and asked that my private student loans be offered a forbearance or similar waiver to coincide with my federal loans. I was not offered any assistance or alternatives, but instead told I had to repay my loans despite the hardships I was experiencing. Due to me not being able to pay, my private student loan went into collections, which has made it difficult for me to obtain credit. I am currently in good standing with my federal loans with an approved forbearance status.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Medical debt) with Merchants and Professional Bureau, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President XXXX The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, Presidentfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative  derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President failed to send me my initial communication before placing this alleged derogatorystatus on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XX/XX/XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XX/XX/XXXX XXXX XXXX XXXX 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 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A collection agency XXXX XXXX XXXX got my father 's name, social security number, birthdate, and incorrect address from their client. With the incorrect address they never received the bill. The collection agency then reported it on my credit report. Not my birth date and how did the agency get my social security number? How can Experian not catch the wrong birth date that they put on my report. I am very upset with so many failures between all XXXX company 's.

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 03-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I enrolled in Fifth Third auto bill pay for my mortgage in XX/XX/XXXX or XX/XX/XXXX of this year. I received a letter stating it was active in XX/XX/XXXX. However, that letter did not state whether my next mortgage payment due on XX/XX/XXXX would be made automatically. 

Seeing that it had not been made, I manually paid the mortgage the morning of XX/XX/XXXX. On XX/XX/XXXX, I learned 5/3 accepted my manual payment as well as initializing the auto bill pay later that day - effectively paying my mortgage twice. After several waits on hold and attempts to find the right department, I spoke to a customer service rep on Monday, XX/XX/XXXX, who told me she could reverse the auto-bill payment and the funds would be returned in 2-3 days. On XX/XX/XXXX seeing that the funds have not been returned, and my 5/3 online account shows no evidence of anything happening, I called 5/3 customer service again. 

On XX/XX/XXXX, I was told that it takes 2-3 days for an internal approval, and then 5 business days for the funds to be returned. My online account shows no evidence that this process has begun and no one I 've spoken to at 5/3 can offer any assurance that it will actually be 5 business days. 

Additionally, nothing on the 5/3 online banking site ever showed that auto bill pay was active or what day the payment would be automatically made. I 've asked both customer reps I spoke to about this, and neither could offer any insight. Clearly they were completely unaware what the customer banking portal looks like.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Maury Cobb, Attorney at Law, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Re : Maury Cobb Attorney At Law LLC Maury Cobb represents XXXX. They are trying to collect an amount that is not owed and they have not substantiated the charge. 
This firm continues to call and try to collect the amount without describing what the charge is for. They call using multiple numbers. They have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
When the representative calls, they demand personal information before they say who is calling and they do so in an aggressive and demanding tone. They immediately demand payment and refuse to accept that I am vigorously disputing the charge. Today, the representative very rudely demanded payment and threatened to notify all XXXX credit reporting agencies and they may have already done so. Today after I had tried to ask what the charges were for, the representative very abruptly said that he was not negotiating and hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On or about XXXX XXXX, 2016, I received a collection letter from Commonwealth Financial Systems for {$120.00} ( offering to settle for {$95.00} ). The original creditor was listed as XXXX XXXX XXXX XXXX. This is not a debt that I recognize nor do I have records of any collection attempts by XXXX XXXX. 

My credit history reflects a pattern of timely debt payments ( credit score being XXXX ). 

This collection letter concerned me and I immediately responded via phone call to Commonwealth and followed up with a letter to Commonwealth requesting documentation of verification of the debt. This response from me to Commonwealth was well within the 30 day timeframe required to dispute the debt. 

To date ( XXXX XXXX, 2016 ), Commonwealth has not responded to me with any additional information or documentation. However, they have reported the collection to credit reporting agencies. This reporting by Commonwealth has resulted in a significant drop in my credit score ( from XXXX to XXXX ). 

Commonwealth has not provided any verification of the debt despite my request for verification. I want this issue resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan payment with Nationstar Mortgage ( XXXX ) is scheduled to increase on XXXX XXXX, 2015 over 100 % from {$3800.00} to {$8400.00}. Nationstar misled me approximatley 2 years ago, by telling me the payment would increase approximately {$1000.00} monthly. That increase is {$4.00}, XXXX monthly. I can not afford that. I would have never signed documentation to that affect had I known the payment would increase so much. Additionally, I am still approximately {$300000.00} upside down in my home. This is former XXXX XXXX XXXX loan # XXXX.

Company response to consumer: Closed with explanation