milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had repeated trouble with Navient who I did not believe to be my legal and valid loan servicer. I 've been called on several occasions  in  XXXX  and  my questions as to which loans they held and how they received them were never answered as my loans are consolidated and reside with  XXXX  and the department of education. I 've been hung up on when asking to speak to a supervisor about this matter. They have even gone so far as aggressively calling and leaving personal account information with strangers asking for me at a coffeeshop near where I do volunteer work. It is not a place i have ever worked I have no idea how they decided to call said coffee shop, I assume because it shar es a street addre ss with a theatre where I volunteer. I do not have permanent nor part time employment and have not sinc e  XXXX . I co nsolidated all my student loans through  XXXX  and the Department of Education, and have them in deferment and in good standing with a income dependent payment plan in place starting in  XXXX   XXXX . I have documentation provided from Nelnet stating as such. Today I learned my entire joint tax refund filed by my husband and I has been claimed by Department of the Treasury via th e Dept. of Education C/o Navient for  defaulted student loans. When I log into Navient 's system It states " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' ( I have screen shots for documentation ) I have been under the impression that all my loans were successfully consolidated in    XXXX   an d in good standing so it comes as a shock to see  XXXX  loans dating t o  XXXX - XXXX  b eing called into question. I truly believe Navient has fraudulently concealed these loans or falsified their very existence which they claim have been in repayment since  XXXX  defaulting in   XXXX  (  I never received word of Navient 's existence until the late spring of   XXXX   ) from  XXXX  and the Dept of education when I consolidated my loans. The department of Education informed me they themseves did not know how or why Navient allegedly had these loans when I consolidated all loans i n  XXXX . I  believe the account was made default through fraud and misinformation. When I spoke to Navient they informed me repeatedly that I owed them the entirety of my student loan debt to them and that my loans had never been consolidated and were all due to them despite my factual evidence from  XXXX  and the Department of Education clearly stating otherwise. The sudden loss of this tax refund puts us in dire financial hardship as I do not have employment due to   XXXX   illness.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX , MD,  XXXX  LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX , MD,  XXXX  AND MY ADDRESS PRIOR WAS  XXXX   XXXX   XXXX ,  XXXX , SC,  XXXX . I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED   XXXX   XXXX   & EXPERIAN AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO   XXXX   XXXX   XXXX    XXXX   XXXX  ALREADY. I UPLOADED REPORT TO EXPERIAN AT  XXXX . I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.

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 11-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is under the impression I owe them money but I dont. The debt was removed from the original company so I have no dealings with these people!

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Reimbursement check # XXXX ( XXXX XXXX  XXXX/XXXX/XXXX XXXX Member # XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX/XXXX/XXXX - Supervisor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Closing/Cancelling account

Complaint: Capital One closed my account because activity on account was not consistent with personal, family values, and household values.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Non-federal student loan) with EQUIFAX, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have XXXX issues. XXXX XXXX is showing a student loan that was forgiven with a XXXX balance but a 120 day past due still on my credit report. Also XXXX XXXX is showing a student loan for {$2300.00} that was supposed to be forgiven due to XXXX eligibility and is still not taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/2015 I received a collection bill from XXXX, informing me that they were attempting to collect a bill on behalf of Pinnacle Credit Services , LLC. After receiving the bill I agreed to pay the portion that I was responsible for. On XXXX/XXXX/2015 I paid the bill in full and got a confirmation from them, advising me that as soon as the payment posted the account would be satisfied and listed as " paid collections '' and closed on my credit report, I was advised that they would contact Pinnacle Credit Services, and let them know that this was now a " paid collections '' and would be closed. To this day I have contacted Pinnacle Credit Services LLC and XXXX as my account is showing a {$0.00} balance but is still showing as an open account, I have yet to receive any answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (KY).
Issue: Money was not available when promised

Complaint: On XXXX/XXXX/2016 I listed a {$300.00} XXXX gift card for sale at {$250.00}. A person with the account XXXX purchased the item through a Paypal payment. The person emailed me through the ebay messaging and insisted several times in a matter of 10 minutes that I send them the code on the back of the gift card so they could start using it immediately. I checked to make sure the money was there in my Paypal account and received the " Ready to ship '' confirmation on the account. Thinking it was OK to send the code, I did so through the Ebay email to the customer. About 4 hours later, I receive another message from XXXX stating that their account had been hacked and not to send the item. I informed them that I had already released the code to the person on their account. I called ebay when I received this information and was told it would be investigated. I also contacted Paypal to see if I would still receive payment. Ebay told me that there was nothing they could do, that I am not protected from being scammed on their website. I called back on XXXX/XXXX/2016 to see if this matter would be resolved and if I would finally receive payment. I was told by the customer service and Funds Availability Special XXXX that I should receive payment since I did provide the item to the customer and that I would receive a call back within 48 hours. That call has never come. 
I placed my trust in ebay to receive payment for the item I sold. It is not my fault that someone 's account was hacked. I provided an item and have not received payment. This is wrong. I should n't have to be punished and lose all my money on this transaction. Both of the times I called ebay, I was shuffled to XXXX different departments and was forced to stay on the phone for over an hour. Why would anyone ever sale anything on this website if they are n't going to protect their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Someone from the " XXXX, '' a debt collection agency, put a negative entry -- out of the blue -- on my Experian credit report in the amount of {$85.00} for account number # XXXX. XXXX bought this debt from XXXX I know this because the report lists XXXX as the original creditor. At any rate, I disputed this with Experian and they claimed the dispute was valid. This is not impossible as I have never had any credit/loan/debt/services or anything from XXXX. XXXX has no information to prove that this debt is valid ; they only provided Experian with my identifying information. Experian did not investigate, thoroughly. Also, XXXX can not provide me or Experian an original bill with date, times, and amounts where I took out an {$85.00} loan/credit/service with XXXX or XXXX for that matter. The last time I dealt with XXXX was over XXXX years ago when I closed an account owing ABSOLUTELY NOTHING. I would like this egregious negative claim removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: 1. I, XXXX XXXX XXXX, have been the victim of identity theft. Please see FTC Report # XXXX  ( attachment 1 ).

2. This fraudulent transaction contract was not in my name and I received absolutely no personal benefit from it.

3. The facts of this situation are as follows : a. On XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended a XXXX/XXXX XXXX timeshare presentation in which my wife, not me, was considering investing in an upgrade to HER present plan.

b. When it came time to negotiate the agreement I was told by the salesman, XXXX, to leave the room. He stated that XXXX never deals with third-parties to any agreement.

c. The salesman told XXXX that she could go back to the USA and talk to her two sons-in-law about the deal before closing the deal and paying a contract deposit ( {$12000.00} ). He promised her ( in writing according to his notes of the discussion, attachment 2 ) 6 months to pay the deposit to complete the agreement.

d. The {$12000.00} deposit was later obtained fraudulently by a salesman or supervisor : i. Please observe the two XXXX XXXX XXXX ( Proof of Payments, dated XX/XX/XXXX) WRITTEN IN XXXX  with forged signatures of XXXX XXXX XXXX ( XXXX husband, not an owner ). ( see attachment 3 ) ii. XXXX XXXX   does not speak or write XXXX.

iii. XXXX XXXX XXXX swears that these are NOT his signatures. Please see the two Police Reports filed XX/XX/XXXX and XX/XX/XXXXrespectively ( see attachment 4 ).

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 07/14/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: JUST WROTE XXXX CHARACTERS OF TOTAL EVENT, XXXX XXXX NOT RECEIVING FRAUD ALERT IN XXXX 2014, WE HAD XXXX MONITORING, THEY SHOW THEY REPORTED TOO XXXX, XXXX. 
SOME ONE MESSED IN CREDIT BUREAUS REPORTS, WERE WANTING XXXX, XXXX TO DELETE ALLY INFOMATION FROM CREDIT REPORTS UNDER FCRA STATUTE. 
WIL FOLLOW UP MORE, I 'M OUT {$23000.00} IN REPAIRS, CREDIT CARD DEBT, ON SOCIAL SECURITY, XXXX, CHARITY CARE. 
NO FOOD, PAYED XXXX CARS WHEN I DID NOT HAVE MONEY/ PLEASE DO THE RIGHT THING. 
XXXX WILL NOT TAKE YOUR COMPLAINTS, XXXX CAN NOT BE CONTACTEDNEED ALL INFOMATION DELEATED LIKE XXXX. 
THEY HAD {$100000.00}, INSURENCE FOR FALSE REPORTING INFOMATION, THANK-YOUXXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: Bank shut down my account that was linked to my checking account and charged me {$100.00} in fees and would only refund half of my money. XXXX and XXXX at Wells Fargo refused to allow me to speak to a supervisor and said my complaint was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX pulled my credit report without my consent and I did not apply for credit nor do I have an account with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several questionable problems with my reports as in medical, credit card information and the fact that I had to purchase my free credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: FHA loan closed with a monthly mortgage payment of {$2600.00}. Received a letter from loan company XXXX statements calling for a change in insurance/taxes, raising monthly mortgage payment to {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Central Financial Control provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attache

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX. 
Bankruptcy chapter XXXX was filed on XXXX XXXX,2016 and Discharged by Federal Judge on XXXX XXXX,2016.
Credit reporting agencies are reporting my credit scores at XXXX and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
XXXX and Transunion has XXXX unauthorize inquiries that needs to be deleted permanently. 
XXXX has only XXXX authorized inquiries and XXXX has deleted all unauthorize inquiries from my credit report.Why XXXX and Transunion are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and 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 02/28/2018 about Debt collection (Payday loan debt) with National Principal Group, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Today, XX/XX/XXXX I received a call left on my voicemail from a XXXX with the NP Group stating using location services to locate a XXXX XXXX XXXX and will start contacting people on reference file to locate me. I have received numerous calls regarding this from this company. Today, XX/XX/XXXX I called the number left on the recorder back at XXXX and spoke to a female that had information on me, I had not provided stating, I took a loan with XXXX in XXXX and was deposited in a XXXX XXXX XXXX and stated notes state, I had financial hardships on the account. To this day, I am experiencing financial hardships, currently not working and on Food Stamps and State assistance in the State of California. This company even contacted and harrassed my sister calling her on her cell phone numerous times trying to locate me. Note my sister has never been associated with any loan documents ever. Note, my car was broken into and all my records regarding this loan where stolen in the car theft. I have a police report to show proof. I feel National Principal Group is a predatory Bill Collection company that uses scare tactics and intimidation techniques to scare people into settling debt. This company needs to be educated in the Fair Debt Collection practices in the United States and these rogue collectors need to be reeducated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Harvard Collections, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying on my student loan since 2007 and i have had several issues with the current company that has the loan. They will send a monthly statement and will have an amount due which might be XXXX dollars but every month i send the same amount of XXXX dollars that is taken out of my bank account 5 days before due date. Some months they call me and my co signer saying my account is past due or i didnt make a payment and i will have to make another payment or they will not quit harassing me or my cosigner. We are fed up with the harrasing calls and the unorganization of the student loan provider.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WY).
Issue: Other

Complaint: My Company received an unsolicited offer of a Business credit card from Capital One in XX/XX/XXXX. 
The Company, a " XXXX '' XXXX, of which I am XXXX, applied for the credit card which required the signature of an officer. I signed the application and the account was opened. there were no issues until XX/XX/XXXX. Our office mgr was out on maternity leave and the credit card bill was not paid on time. The issue was rectified when she returned to work. At the end of XX/XX/XXXX, I received my personal free annual credit report and was shocked to learn that the late payment was reporting on my personal account. I filed disputes with all XXXX agencies and wrote XXXX letters to Capital One without relief. The account is still reporting on my personal credit. This is ridiculous. The card was clearly marketed as a " business credit account ''. I did not knowingly accept any responsibility for the account management although as a stockholder, I am sure I would have SHARED responsibility in cases of default. The account has never been used for personal purchases by ANYONE. It is, in fact, fraudulent for it to report on my personal report ( good or bad ) because it has no bearing on my ability or willingness to pay my own debts. It seems like a simple matter but so far, Capitol One has been unwilling to discuss the situation ( all I get back is form letters ) and the credit agencies say their hands are tied. We could close the account-it has been unused ever since this situation came to light but that will not remove the negative from my report. please advise me how to proceed in a situation like this. To my fellow consumers, BEWARE.

Company response to consumer: Closed with explanation