milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was 90 days late on a student loan payment in XXXX of 2014. I pay all classes of loans in one monthly payment. On the credit report attached " dept of education '' shows up XXXX separate times for this late payment, and I think it should only be reflected once. I could be wrong, but it seems that maybe I should refinance all loans into XXXX .... in the case that this happens and it would all be just XXXX entry. it seems that it it disproportionately impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am inquiring about XXXX and XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PARSON BISHOP SERVICES, INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My fraternity dues ' debt was sent to Parson Bishop for collection, though the amount they are stating is incorrect. They are saying I owe {$650.00} when I have an e-mail from the original creditor stating I only owe {$290.00} for the XX/XX/XXXX semester. They are charging me an additional semester ( XX/XX/XXXX ) for which I was already terminated and did not take any part of. My debt was recently reported on my credit and dropped my score over XXXX points. I was unable to pay before because of my low income, but have recently deferred my student loans while I get my XXXX, and plan to use those funds to pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NC).
Issue: Shopping for a loan or lease

Complaint: XXXX XXXX BANK MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NEVER TRYED TO GET A LOAN FOR A CAR

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I made a payment through the companies website and they purposely mis-allocated. For example, I have 3 private loans and 1 federal loan with Navient. I made a single payment to cover my 3 private loans based on the amount they said was due and they used that money and applied it solely to the federal loan leaving the private loans unpaid causing my account to be late. In support, my private loans total approx $ 1k per month and my federal loan {$50.00} so they took the $ XXXX and applied all to federal in the form of a prepayment instead of covering loans due. Further more, this is not the first time this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have settled a claim from XXXX XXXX XXXX that I owe a debt to them. I filed XXXX claim after I had spoken to many different managers at XXXX XXXX that claimed that my balance was at {$0.00}. No debt was owed as a result of poor service and I have communication from them attached, showing that the debt is no longer owed to them. Over the past 16 months, I have gotten MULTIPLE debt collection companies attempting to collect a debt that is not owed. These various companies appear to be selling this debt to other companies when they realize that there is no debt to collect. Every couple of months I get a new letter from a different company stating I owe them money. How do I get this to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Apparently i resolved this item with a previous collection agency and now this company Convergent is collecting on it. The other collection agency aknowledged that they could not collect, but now this company is starting to collect on this XXXX item. They sent me some blank pages with my personal data on it making it look like if these were my billing statements from XXXX. I want a letter from XXXX on XXXX letterhead and with XXXX contact information letting me know that they have authorized this company convergent to attempt to contact me and to attempt to collect. Also a letter from convergent which says they are licensed to collect here in the state of florida. also please send me all of my XXXX light bill statements which are on XXXX logo and letterhead with their address and phone number on it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had a XXXX ( XXXX ) starting XX/XX/XXXX. XX/XX/XXXX one of my Doctors ( XXXX XXXX XXXX ) stated that I was likely XX/XX/XXXX. XX/XX/XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX County XXXX ( XXXX XXXX, XXXX. ) contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease XX/XX/XXXX as these directly impact credit scoring. 
DEPT OF ED / NELNET XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. I sent a letter and asked for validation, all I have received from them is just another bill and 2 addition letters saying they wo n't provide additional validation. I have asked them 4 times for validation but to no avail. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with U.S. BANCORP (IL).
Issue: Advertising and marketing

Complaint: I am very upset and disappointed in the rewards change of my XXXX credit card. The free night benefit removal has been a disappointment. In addition, I just the annual fee charged to my account. {$75.00}. 

I believe it is very bad practice to suddenly change the terms of card ; In addition the old terms were advertised in marketing materials and in statements, website. 

To add insult to injury, I just found out that US Bank and XXXX XXXX have been selectively issuing free night certificates to select customers. 

I would like to also received the free night certificate. 

Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been XXXX for 21 years. I began my student loans with {$25000.00} and currently owe {$38000.00}. In my federal student aid report it does not show my repayment plan type or PSLF. Any time that I have called Navient, or XXXX XXXX before my loan got switched to Navient, for assistance or options I have been immediately granted a forbearance, but have always been told that I did not qualify for any types of forgiveness either because of the type of loan that I had or my income. I spent my first ten years in XXXX in XXXX that were XXXX XXXX XXXX. The following nine years were XXXX XXXX targeted XXXX. I had colleagues with other loan service providers that were able to get some loan forgiveness with their loans, but I have never been able to receive anything other than forbearance from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification ( HAMP ) Program on XX/XX/2016 with my servicer Wells Fargo Home Mortgage ( WFHM ). I hired an attorney to help me with my application and they confirmed my financial application was received by WFHM on XX/XX/2016. My attorney states I qualify for the HAMP program. WFHM underwriter refused to review my loan for a HAMP loan modification even though the HAMP program allows them to review me because my application was in fact received before the deadline for HAMP expiring ( XX/XX/2016 ). Wells Fargo Home Mortgage underwriter stated they were missing two pages of the application, Dodd Frank and the 4506T, neither of which contain any financial information. I believe WFHM is doing this solely because they do n't want to help me save my home. I qualify for HAMP and deserve to be reviewed for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To date, I have lodged fifty-five bona fide CFPB complaints involving Bank of America and the loss mitigation processes including, but not limited to, the foreclosure process. Bank of America has consistently refused to take these opportunities to deal with me in good faith and actually conduct though reviews of the records for the purposes of resolving the matters presented. 
Before a trustee 's deed has been recorded I may obtain injunctive relief for material violations of the California Homeowners Bill of Right 's ( CalHBOR ) pre-NOD outreach, dual tracking, SPOC, post-NOD outreach, application acknowledgement, late fees, servicing transfers, or document reliability provisions per California Civil Code XXXX ( XXXX ). 
After a trustee 's deed has been recorded I may obtain actual economic damages for material violations of the above provisions, if the violation was not remedied before the deed was recorded. Borrowers may obtain the greater of treble actual damages or $ XXXX in statutory damages, plus exemplary and punitive damages, for intentional, reckless, or willful violations per California Civil Code XXXX ( XXXX ) A rescission of an NOD or cancel a pending sale in accordance with California Civil Code XXXX ( XXXX ) is appropriate in this instance as the NOD has been recorded in error.

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 04-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other

Complaint: I have a XXXX checking account. I do not have a capital one credit card. Capital one has been debiting my checking account without my authorization. I have been advised previously by XXXX to just close my account. This would be a burden on me. I have filed an unauthorized debit complaint with XXXX and emailed capital one to cease and desist in debiting and withdrawing from my XXXX checking account. XXXX has not accepted my statement to date. I am a XXXX XXXX citizen and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem adding money

Complaint: I do n't know why it keep saying they ca n't connect to my bank when it 's showing my bank balance on the app. Not sure what the problem is but last week I had no trouble connecting to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MO).
Issue: Application, originator, mortgage broker

Complaint: The Ditech company keeps sending me a collection notice on property that I have never owned or had loans on this property. They say I have a loan from this company when i do n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Contacted the credit bureau the beginning o f  XX/XX/2016 . I h ave disputed this account every month until now. They stated that it was varied account was mine but I have submitted in proof that I owe no such company. I also attempted to reach out to the original creditor and they still have sent valid proof of owing account. The information they sent me was a document stating a different company names. On my credit report it is listed as the original creditor being  XXXX . The document they sent with no signature states the original creditor being   XXXX   XXXX   XXXX  . My name is also spelled incorrect on the document.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, Equifax Inc. announced " a cybersecurity incident potentially impacting approximately 143 million U.S. consumers '' and that " intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' On XX/XX/XXXX, I went to the Equifax website to check if I had been impacted. I entered my last name and last 6-digits of my SSN. I recieved the message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I was offered to enroll in XXXX XXXX XXXX, however I am concerned that doing so may weaken or limit my future legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  and Experian are not responding to my requests to investigate and rem ove one  account from my credit report that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX/XXXX/2016 Experian reported a duplicate XXXX credit card on my report which increased my XXXX score by XXXX points. On XXXX/XXXX/2016 this error was corrected and the duplicate account was removed but caused my XXXX score to drop by XXXX points. This inaccurate reporting and mistakes made by Experian has made it impossible for me to qualify for FHA home financing which requires XXXX or more XXXX score. my scores dropped from XXXX to XXXX due to errors made by Experian.

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 01/17/2018 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received notification via a credit monitoring app that a company called Commonwealth Financial added a collection account to my XXXX credit file on XX/XX/XXXX. I checked with my state of Florida Office of Financial Regulation and this company 's license to conduct collection activity in Florida as been revoked/voided since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I leased a XXXX XXXX XXXX back in XXXX XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XXXX XXXX, XXXX. I appeared in court on XXXX XXXX, XXXX for the Order on the Reaffirmation Agreement. The amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XXXX XXXX, XXXX. The courts approved the Reaffirmation Agreement on XXXX XXXX, XXXX. The XXXX XXXX was then turned in at the XXXX XXXX Dealership in XXXX XXXX, Nevada on XXXX XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. XXXX, Equifax, and XXXX are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XXXX XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Customer service / Customer relations

Complaint: My husband has a CitiAadvantage Master Card and Visa and we have a XXXX XXXX. 
Everytime we try to use the XXXX card, unless we are in the XXXX in XXXX, it is rejected. I have been embarrassed so many times, including just trying to use it in a convenience store to buy a grandchild a coke and candy bar. The total was {$4.00} and was rejected. Last month we were in the XXXX in XXXX Florida. We had just purchased a second home there and were buying TVs for the new home. We used the XXXX card and very loudly the check out person said " This card has been refused. What do I do? '' Needless to say we were humiliated. We paid with a debit card. In the meantime, Citi Bank called my husband 's place of employment and told his assistant that he was suspected of fraud in purchasing TVs. More humiliation. I called CitiCard customer service. After being hung up on once, and on hold forXXXX+ minutes I was told that our account was blocked because of either bad credit, late payments or overlimit spending. First, I have an XXXX XXXX score, we have never had a late payment and I know it 's not overlimit because we ca n't use it. I was told by a supervisor that they would look into it. I 've not heard back. Now he is unable to use his other XXXX Citi cards. He was in the XXXX store on Monday to buy my Birthday present. He was totally embarrassed when the Card was rejected. When he contacted Citi they said it was a suspected fraud and he 'd have to contact fraud department. He e-mailed them his complaint and received back a reply stating Thank you for contacting the fraud department. We are happy we could resolve your problem. They did n't resolve anything. He 's e-mailed twice more and gotten nothing but form replies. We have been humiliated time and time again by Citi Bank.

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 11-04-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I need proof from XXXX that I owe XXXX I need validation

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation