milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: School : XXXX XXXX University - XXXX GANavient is refusing to reverse late fees they charged on my account when they erroneously reported me as delinquent despite me faxing/emailing my school enrollment confirmation. However, they reversed the delinquent charges but refuse to reverse late payments fees. I have always been in graduate school and have never withdrawn or taken a break and Navient have the documentation to support this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2017 about Credit reporting () with NELNET, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a dispute with Nelnet regarding the reporting of the defaulted credit lines from back in XX/XX/XXXX. Nelnet responded back citing the FCRA, essentially calling my dispute frivolous and saying they are not required to investigate. THIS IS INCORRECT- my dispute is not frivolous ; in fact I provided additional facts to support my claims than in previous disputes, provided a different argument, and their claim that the trade lines will report for seven-years after the loan was paid in full is legally incorrect since these loans are Stafford loans, not Perkin loans. 

I requested the negative information posted on my credit report from my XX/XX/XXXX default to be removed since the company has breached our rehabilitation agreement. When I spoke with the credit collector regarding these defaulted loans in XX/XX/XXXX, I was informed that if I complete the full rehabilitation program, that they would remove the negative marks from my credit report. I relied on this agreement, so much so that I even stalled paying off the loans in full until the program was complete since they told me that if I pay it off in full before the program is complete that they would not remove the negative marks from my report. So, I waited to pay it off, and once the program was complete, I paid off XXXX out of XXXX of the student loans in full right away. This can be verified from my payment history. Despite the fact that I upheld my end of the agreement, Nelnet did not uphold their end and continues to report the negative marks on my report and refuses to investigate my claims by hiding under the " frivolous '' claim. I ask for Nelnet to uphold their end of the agreement and remove my negative marks from my credit report for loan numbers # XXXX-XXXX and XXXX-XXXX for loan groups XXXX and XXXX. 

Further, their assertion that the negative reports must be reported for seven years after the loans were paid in full is legally incorrect. That claim would only be legally correct if my loans were Perkin loans, per 15 U.S.C.A. 1681c. That same statute, however, does specify a statute of limitation for reporting the negative information to seven years + 180 days after the date of delinquency. The date of delinquency for these accounts was XX/XX/XXXX ; 90 days past due was XX/XX/XXXX ; and the statute of limitations is thus XX/XX/XXXX. In the alternative of fulfilling their agreement to delete the negative notations from my account, I want a firm commitment to remove the negative marks by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I Filed bankruptcy in XXXX of XXXX it was discharged in XXXX XXXX. The account that was not opened by me in the first place in XXXX ( I was stationed in XXXX XXXX GA the account was opened in XXXX, OH ) was placed in this bankruptcy and discharged. As i was checking my credit report in XXXX of XXXX I was checking my credit report for inaccuracies and found that this account has been placed on my account again. I have on XX/XX/XXXX disputed this account with all three credit bureaus. It has been 30 days after the dispute and it has yet to be removed and resolved. The company in question has never once sent me any form of written communication STELLAR RECOVERY INC Account # XXXX ( this is all that was available on my credit report ) Company : XXXX XXXX Date opened : XX/XX/XXXX Amt Owed : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 12/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: SPS servicing is the most unscrupulous mortgage component I 've ever dealt with. The second time my mortgage was due to their company ( because my mortgage was sold to them after 10 years with XXXX XXXX XXXX who were great ) they charged me twice for an online mortgage payment transaction. I attempted to pay my mortgage online and their system kicked me off and told me to try again. So the next day I did, because I 'm responsible and pay my bills on time. Well turns out that my first attempt to pay was apparently processed but I did n't get confirmation of that! So when I paid again they charged me twice! Then when I call them to cancel one, they say they ca n't help me! So they fraudulently charged me twice! When the online payment is processed it clearly states that you will receive confirmation through an email that your payment was processed! Never got any confirmation for any payment whatsoever! So that 's why I paid out again the next day, because like I said I 'm a responsible person, and I like to play my bills timely! This company is the worst and commits fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm seeking your assistance on my mortgage with Bank of America. I 'm simply asking for help. My wife and I have been faced with both health and financial hardships over the last few years. We are finally in a state where we can sustain the monthly mortgage payment but Bank of America is running me in circles. I ask you to please-please truly review my situation as there has to be a human with a heart sitting somewhere willing to help me, willing to make an exception or simply sit back and realize this is the right thing to do. I am attaching a letter which thoroughly explains what has occurred.

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 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While checking my most recent credit report I noticed a credit inquiry that I did not authorize made by  Chase  on   XXXX    . I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  Section 1681b  ( c ) and a serous breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PORTFOLIO RECOVERY AGRESSIVELY AND IN A THREATENING MANNER HAS COLLECTED FROM ME FOR THE XXXX ACCOUNTS THAT HAVE BEEN SETTLED IN FULL WITH THE ORIGINAL CREDITOR ... EVEN AFTER PAYING THEM AGAIN TO MAKE THIS GO AWAY THEY ARE STILL CALLING ME AND THREATENING TO ARREST AND TO GARNISH WAGES AND THEY ARE DENYING THE RECEIPT OF ANY PYMENTS.. WHERE DID MY MONEY GO? ..ISNT THIS ILLEGAL PLEASE MAKE THEM TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax reported that my name was at risk during their recent security breach. I was told that I need a police report to get a long term security freeze on my records. My local police department requests a letter from Equifax stating breach affected me. I have contacted equifax multiple times and have been told to sign up for a free year identity monitoring. They said that they can not help me with anything else and sent me to a website for any more information. My 90 day freeze that I had to pay {$10.00} to three credit bureaus is over. I do n't want to have to keep paying because when once the report is filed I would get 7 yrs for free.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a request from XXXX XXXX XXXX for debt validation and the company was unable to furnish evidence that the balance or the account itself was a valid entry.

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 04/25/2016 about Debt collection (Credit card) with CITIBANK, N.A. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a XXXX illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland credit management has fail to provided me with documentation that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I dispute this debt because I do not owe this money. I terminated my contract for Internet service with XXXX in XXXX 2014. I received an email from XXXX stating that if I return their equipment before the closing bill, I would not be charged. At that time, I returned their modem using the packaging and shipping label they provided. My closing bill did not include any charges for equipment. I did not receive any bills or notices from them since ending the contract. 

In XXXX 2014, I received a letter from a company called XXXX claiming I owed XXXX {$100.00}. I called XXXX and their representative said they had no outstanding dues on my account and that they were unfamiliar with XXXX. The call was escalated several times and took almost XXXX hour to complete as they checked various databases. After that call, I contacted XXXX to gather more information about this claim. They told me it was for an unreturned modem. I put this claim in dispute. In XXXX, 2014, I received a letter from them confirming that the account was in a " disputed status. " I received a letter from another collection agency called XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2014. There was no verification of the debt or any tracking information about the shipping label that was provided by XXXX. I received your collection notice today. 

I do not appreciate having to dispute this debt this many times as XXXX continues to sell consumer information to different collection agencies. Upon searching discussion forums, I understand that there are many consumers who have been troubled greatly by a similar error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2017 about Debt collection (Other debt) with Kross, Lieberman & Stone, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX 2011 I was the XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX NC. The cash drawers came up short and there was claim of purse missing. I was accused of theft and fired.They asked me to sign a form admitting this and committing to paying them back. I refused to sign it as I was innocent. They have turned this over to a debt collector, XXXX XXXX XXXX XXXX, who produced an unsigned form dated XXXX 2011 as their proof of the debt.

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 03/23/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates is trying to collect a debt they bought from XXXX XXXX and they are not licensed to operate in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Closing/Cancelling account

Complaint: I had a Chase Sapphire rewards credit card that I closed last XXXX, and this month I received a refund on a travel purchase from a tour provider. I assumed Chase would automatically send me a check for the refund since I had already closed my account, and when I called Chase, they said that they would only send me a check if I called. If I had n't called, they simply would 've kept the money. That is downright dishonest. Credit card companies should be required to automatically send you a physical check for any credit at the time of account closure or for any credits received after the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Application, originator, mortgage broker

Complaint: I am again responding to JP Morgan Chase recent response to my request to have a question answered through the CFPB. I have already worked with over 24 of your representatives who knew nothing, had no idea of anything, nothing in the file, etc. Your recent assignments of more than 8 members of your legal team ( I assuming they are legal ) as they have managed to manufacture a response than 24 of their people had no answer to. No surprise there, I expected them to manufacture and provide 'answers'/'response ' to questions I did not ask. Oh, and I see I have another 'new one ' that will regurgitate the same fraudulent response as the others. Let me state my question again, since I guess I was not clear enough. 
*Did JP Morgan Chase while giving out verbal mortgages provide compensation in the form of commission to members of their mortgage dept. staff in the number of homes they could foreclose on? 
*Was this authorized by a department head, the CEO, or was this just 'rogue ' employees receiving and paying themselves commission for each home foreclosed on? 
*How many people lost their homes because of this action? 
*You see, giving out a verbal mortgage, and creating staff incentives for each foreclosure makes for a XXXX of an incentive to 'lose files ' not to be able to receive all documents on a timely basis, and so on. 
JP MorganChase, all I want from you to is to verify that this was common practice in your department, not the garbage response that you keep sending to me. 'XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have asked numerous times for this company to show proof that this is my debt and still have yet to receive it.     I have never been to the location listed. Until they can show the originally paperwork with my signature or ID or anything they need to remove it from my credit as it is causing me issues and it is not mine. I am so tired of asking and disputing for them to prove this before just throwing it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home in XXXX XXXX, XXXX. And until XXXX XXXX, I was unable to continue paying the mortgage. I was also divorced in XXXX from my wife of more than 25 years. Then after a layoff for six months, I struggled to meet all my obligations even after I have XXXX sons who just began college. I am a XXXX veteran. 
Over the year or so, I tried to sell my home. The mortgage and other fees is currently held by XXXX XXXX XXXX for approximately {$190000.00} ( Loan # XXXX ). The current servicer -- Carrington Mortgage Services ( Account # XXXX ) -- sent me a letter in XXXX threatening foreclosure if I do n't send {$23000.00} to cure the default. I have been in communications with XXXX XXXX XXXX. Since early fall, I had been by the side of my sister who was hospitalized and took a turn for the worse, right when I was considering returning to my home to do a home modification loan to reinstate. There was no guarantee that XXXX would reinstate, but I had to stay in Connecticut anyway because as it turns, my sister passed away last month. I do not have the money to relocate and I am severely stressed at receipt of the letter to foreclose from a servicer who was just assigned to me. Right now I feel like I am in limbo, having just lost a member of my family, having no home to return ( it feels like ), and limited income. 
So I am hoping Consumer Financial Protection Bureau can help me. I was in the middle of negotiating with XXXX, and they switched points of contact by assigning the mortgage to Carrington -- who starts out with a threat. 
Can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2015 about Consumer Loan (Installment loan) with Byrider Franchising, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: Received a loan from XXXX XXXX and the harrasments and calling of references on a constant due to late payment is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are so many issues with Experian and they are all recent and I do n't know why they are appearing on my credit report. I am in the process of applying for a mortgage and have been watching my credit reporting, paying off accounts and making sure my credit reporting is accurate. Most of these issues occurred in the past week and has greatly low my score. 
There is an issue of XXXX of my accounts being paid late in the past two months. All of my accounts have been being paid consistently for the past 6 months or more and have not been late. I have no knowledge to which this is referring to. 
XXXX XXXX XXXX concerning my account is not in dispute and has been paid off and I am in compliance with their terms. I have paperwork to prove it. 
My XXXX charge account ofXXXX has been paid in full and has no deliquency on it at all. It is being reported as a question mark. Needs to be reported paid in full! 
My score has seriously been lowered it the past week and I have no explanation as to why. 

I am applying for a mortgage right now and need to have good scores as I do with XXXX and XXXX. I have no clue why my score keeps going down with Experain. There are no explanations for this. Thank you for your help.

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 03-01-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from 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