milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient ( formally XXXX XXXX ) is a nightmare of a company to work with. When I first signed up with them back in XX/XX/XXXX, i was told that I would be eligible for a payment plan after i was done with school and the grace period had ended. After my Graduation in XX/XX/XXXX, I was then told I was INELIGBLE for any of their payment plans. I was a new college grad, still looking for work, and I was being billed {$700.00} for my first payment. I tried to tell them I was unable to pay that much, and was told there was nothing they could do. I was only able to make {$430.00} dollars out of the {$700.00} after taking up private work commissions to help make the money. My next bill was almost {$900.00}. due to the late fees, interest, and the new bill. 

I called crying, telling them I was an XXXX for hire ( considered unemployed as i did not meet the requirements ), looking to additional work and unable to make such large payments so fresh out of college. I was against told I was ineligible for the payment plans they offered. I was offered some payment plan I never saw advertised that required me to pay {$120.00} for the first XXXX months and then would be {$370.00} thereafter. I took it, but that still proved too difficult, Since they had split my loans between XXXX sides. XXXX having XXXX and Navient with the others. I was told that If I missed even XXXX payment, the plan was then null and voided. I unfortunately fell on financial problems. Despite paying the loan the next day once I received the money, i believe i was taken off the program, and my payments are once again on the rise past what I can manage. 
I was never informed I could ask them to allocate each payment. I was never told that i could relieve my co-signer, they have lied to me about being able to receive and affordable payment plan, and despite my informing them several times about my unemployment, they have chose to ignore it and keep raising my payments. I no longer know what to do as I feel i have exhausted all options.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Consumer Loan (Installment loan) with Oportun Financial Corporation (TX).
Issue: Shopping for a loan or lease

Complaint: Received a Letter from OPORTUN ( XXXX XXXX ), PRE-QUALIFIED LETTER, WITH RESERVATION NO. INFORMED ME I QUALIFY FOR A STARTING {$1600.00} LOAN! HOWEVER, WHEN I WENT TO THE COMPANY FOR A LOAN, THE TOLD ME THE LETTER WAS JUST FOR ADVERIZEMENT PURPOSE AND THAT I WOULD NEED TO ANSWER QUESTONS TO PRE-QUALIFY, ONCE YOU PRE-QUALIFY ON SITE, THEN YOU HAVE TO APPLY FOR A LOAN! THERE LETTER SENT IS MIS-GIVING AND MIS-LEADING! THEY TOLD ME I WAS APPROVED AND THAT I WOULD GET A CALL AND I WOULD PICK UP THE FUNDS! HOWEVER, WHEN THEY CALLED, THEY ASKED FOR A CO-SIGNER! WISH I REFUSED! THESE ARE JUST TRICKS TO GET YOU INTO THEIR AGENCY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have recently started monitoring my credit reports and I have found an item in my negative collections portion, it is for a student loan/and or credit card that I never signed up for. It says date opened is XX/XX/2009 at that time I never used XXXX XXXX XXXX which is where it is from. It says the account was transferred and the balance is like {$1100.00}. This is upsetting and this was absolutely not opened by me and I never got to spend this money. Please 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 explanation
Consumer complaint received 09/24/2015 about Debt collection (Medical) with The Law Offices of Barry J. Gammons, PLLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been making regular payments to the Law office that now owns the debt, after an acceptable payment arrangement was agreed to in court. The last XXXX payments I made to them, I asked for a receipt of payment, along with a written statement of debt, and a remaining balance. After 6 months of attempting to receive that information from them, I sent a certified letter to the company, again asking for the information. The signed and received the letter, but never supplied the information I asked for. Along with the certified letter, I stated that according to my records, the debt should be completed, and I would not be sending any more payments if I did not hear from them with valid proof otherwise. Several months pass, and with no warning what-so-ever, I started getting garnishments from my pay-check at work. I am now STILL attempting to contact them over the phone, and have left numerous voicemail 's with no response. XXXX time, a young lady did answer, but after I said " XXXX '', to myself ( and under my breath ), she said she was terminating the call due to abusive language. I did n't even get an opportunity to discuss anything with her. I should have the right to discuss my " supposed '' debt with the agency that is now forcefully taking my money!

Company response to consumer: Closed
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Citibank, u sing information from when I opened an  XXXX   XXXX  card through Costco, opened  a Citibank  account without my permission ( when  Costco swit ched from using  XXXX  to  Citi ). The y then charged money to this account, without authorization, to continue a  Costco memb ership ( that I did n't wish to keep ). They then continued to charge me late fees for this debt that I never authorized.   I do n't wish to do business wit h Citibank, and t hat 's my choice as a consumer. They have no right to force me to do business with them, much less put debt on me that I did n't authorize.

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 04-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing to amend complaint XXXX, which I originally sent to the White House, which forwarded the complain to your agency, the CFPB. 
I am writing to amend the complaint as follows : 1. I want a modification of the loan from {$3700.00} per month to {$2600.00} per month. I submitted multiple requests for modification over the past 5 years. These modification requests were under HAMP, or the other modification programs. These were denied improperly. I want a modification. This is a a first time modification. 
2. Truth in Lending Act. I want an investigation of the mortgage under the Truth in Lending Act, since inception. I believe that the loan has problems under the Truth in Lending Act. 
3. Americans with XXXX XXXX. You already have my complaint under the Americans with XXXX XXXX. These XXXX issues compounded my problems under the Modification process, and Truth in Lending Act, above. 
Time is of the essence. I will call and write to add information.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my credit data despite the fact that I am not a customer of theirs- I would never use them if I had any say in the matter and now I am having to take special precautions to ensure my identity does not get stolen. And they knew about it for TWO MONTHS before they notified us.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Other debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company keeps harassing me in regards to a debt that I do not owe. I have sent out a letter of validation to the XX/XX/XXXX. I have no contract with this company. The account that they are reporting was charged off in XX/XX/XXXX. I would like the collections account on my credit report from XXXX XXXX XXXX, XXXX to be deleted due to false information. I paid the original creditor " Capital One '' the remaining balance before it was sold to XXXX XXXX XXXX XXXX. 

account number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: I contacted Experian with a dispute towards XXXX XXXX and XXXX XXXX XXXX. They sent me back correspondence saying it was verified two days later but never sent me how it was verified. I 've asked for documentation supporting these companies saying the accounts are verified and they have n't. I 've disputed these items multiple times and I keep getting the same results. <P/>XXXX says my balance is {$670.00} XXXX XXXX XXXX XXXX says I have three accounts for {$500.00}, {$320.00}, and {$350.00}

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 08/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (AK).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio Recovery Service Inc. LLCcontacted my wife who is not the main person that owes the debt and divulged to her that I had an outstanding cell phone bill that needed to be resolved. 
Attempted to collect debts that are well beyond the relevant statute of limitations. 
Refused to provide proof of the debt when requested to do so, and continuing collection efforts

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing statement

Complaint: The monthly statment from my credit card company comes in an extremely plain, nondescript envelope without any marking or indication whom the letter is from. The envelope merely says " your statment enclosed. '' The return address is an ambiguous XXXX XXXX . The back it says to visit the website but does not say which website. This seems like it is a practice intended to cause the statement to be confused with junk mail and thrown away causing consumers to miss their payments. This is wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have a right to have my Federal student loans discharged under school closure for fraud, and other by   XXXX   XXXX  .
I was attending the   XXXX   XXXX   XXXX   XXXX  , working towards a   XXXX   year degree. ( Started in    XX/XX/XXXX ). In the fall of   XX/XX/XXXX , I  was to start my last semester. I decided to continue on with a   XXXX   XXXX   degree program    instead. I was told I would have to switch online location to another   XXXX   XXXX  . So, they enrolled me in another to start   XX/XX/XXXX . 
I then received an email that the school was closed and I could not attend. The MN attorney generals office had won a lawsuit that shut their colleges down. They were no longer able to receive government student grants/ funding, etc. Also endless articles in the media. And to date WI and South Dakota schools were closed as well.
Navient has repeatedly denied they are closed. I have submitted all of the appropriate paperwork multiple times, to different addresses, plus evidence of my own. I also have a letter Navient sent me in    XX/XX/XXXX     stating ... 'due to school closure ... under federal law I have a right to have federal loans discharged ... ' They also stated in their last letter that under the Department of Ed., the school is n't closed. However, their own letterhead, dated   XX/XX/XXXX , also be ars the U.S. Department of Education stamp/seal at the top.
I am going on 6 months of Navient telling me a closed college is open. And refuses to follow through with the next step of discharging the federal student loans due to college closure for fraud, deceptive business practices, and other.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I opened a credit card account with Rooms To Go was approved {$2000.00} for my purchase by  Synchrony financial, I did make purchase of all and paid bill on time without default or misuse of the credit card. There has been inactivity of the card for a while and as result the financial company took stand without informing me and close the account and same time run my credit to make it look like i did reapplication for credit card. My concerns are the following : 1. How can you close my account without permission or involving me 2. The account has not outstanding balance 3. There was not suspicious activity on the account 4. I call them and inquired and was told by supervisor that they have right to closed unused account. I replied on phone conversation that, its my account and you have no right to shut it down when there is an absence of non-payment, outstanding balance and anything.
5. closing a credit account has impacted negatively on my credit score judiciously 6. Do they have right to close my account in absence of above mentioned concerns 7. I want my account be opened as soon as possible

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 01/29/2018 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received an email stating that a debt collector called collection bureau of fwb has been placed on my credit report back in XX/XX/2013 for {$57.00} dollars. I disputed this many times stating I have no knowledge of this account, I never even heard of XXXX XXXX. I'm very upset that this has been placed on my account due to me not even knowing about this medical facility of whatever this maybe. I've tried contacting this place to notify them that I have no knowledge of this account and to remove this off of my credit report.

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 02-02-2018 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/17 a debt validation letter was sent to this company in response to a medical debt collection I was sent and unaware of. XX/XX/17 this company sent a detailed letter and breakdown of services that were rendered by a local hospital in which is a violation of Hippa. I  never sign any authorization for any on my medical information to be disclosed what so ever. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third-party. On XX/XX/17 I responded by writing a letter to the compliance resolution department stating the above and that I would like the invalid information from reporting on my credit report. No resolution was made at all. This is a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX/JC PENNEY A/C #  XXXX was dispute 3 times and I requested for validation 3 times for this account and no attempt of validation was given to the consumer directly. 

XXXX XXXX/JC PENNEY response was a letter requesting for me to validate with XXXX XXXX XXXX A/C # : XXXX which is a different account. 
When I requested for validation of the account with XXXX XXXX XXXX A/C # : XXXX.Their response to me via mail and to the credit bureaus was deletion of the account they were reporting on my credit report. 

The 30 days of validation is past due on this XXXX XXXX/JC PENNEY A/C # XXXX and must be deleted ASAP off my credit reports.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Creditrepair.com Holdings, Inc. (MO).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX, I signed up with creditrepair.com to repair my credit. On XX/XX/XXXX, I cancelled the service, but 2 days later, was charged a further {$99.00} despite my cancellation. 

The reason I cancelled the service was because I was not being made aware of any work actually being done, despite numerous requests. In total I paid {$300.00}. After cancelling I have repeatedly asked creditrepair.com in writing and over the phone, for a list of items they removed from my account but they have refused to provide it. I have requested a copy of my file and they have refused to provide that too. 

What they have offered to provide is a copy of my old report and current report - with the insinuation that the difference is down to them - however that would be inaccurate as I have since hired a different credit repair agency who may have made any said changes. 

I believe Creditrepair.com charged me {$300.00} and did not make any deletions to my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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: I sent a letter to  XXXX  requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Experian has this listed as a Chapter XXXX bankruptcy- IT WAS NOT. Prior complaints stated that Experian verified this with the court system. I want to see this verification or I will pursue legal action. I am attaching a case summary FROM the COURTS system that proves this is NOT a chapter XXXX bankruptcy as you are reporting this. 

This is my final attempt before I pursue further lawsuit action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I was in search of information about BOA 's Privacy Assist ( I have been a customer of this service for quite a few years ) when I saw that in XXXX, there had been a judgment against them by CFPB and that they had n't been providing the monitoring that they were promoting. I never received any notification of this, nor did I receive any settlement. I continue to be billed $ XXXX for " XXXX XXXX XXXX '' thinking this is protecting my credit. My online statements reveal that this dates back to at least XX/XX/XXXX, and probably further, if I can get paper statements. Can you advise if I should have discontinued this service, or should have received some sort of notification/settlement from BOA? I am disturbed to have never been apprised of this, despite keeping up to date on the news, including financial news!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX 2016 I visited a restaurant where l signed a receipt for {$820.00}. A few days later I was charged {$1600.00}. I immediately contacted BOA and filled a dispute. on XXXX XXXX, 2016 I received a letter from Bank of America stating that their investigation for the dispute has been completed and that BOA is unable to pursue the charges. Included in their letter they provided with signed copies of receipts which shows only XXXX of the XXXX signatures are mine. I did sign " commitment letter at the establishment agreeing to a {$500.00} charge which later came out to be {$820.00}. However, I do not recognize the other XXXX signatures on the {$1600.00} receipts. 

Please re-open this investigation as requested by consumer.

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