milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I paid for a loan with a college to be forgiven by a loan forgiveness company. In XXXX of XXXX I was informed by someone at Navient that the amount that I owe is for a XXXX college as their system shows. They then corrected it to say that it was for the loan that was supposed to be forgiven and that the forgiveness company was in my file. Also that she would look into the situation. I had also written a few letters to Navient stating that my loan had been forgiven, and got basic responses that did n't pertain to that fact. 

There was silence for a while, then the emails started back up asking for a payment. " Person B '' at Navient informed me that I would qualify for an economic hardship deferment, and promised that I would get it the hardship for quite a few months. She stated that the forgiveness company was a scam and not in my file. 

Meeting with issues on filling out the documentations, I called Navient and spoke to " Person C ''. I asked to record the talk due to the fact that I had been told so many lies by Navient and the fact that I needed to get to work and wanted to remember what was said. She ran me around in a circle for 45 minutes before giving me a number to call, which was wrong anyways. 

I called yet again due to harassing phone calls and emails and spoke to " Person D '' just to inform them that I was sending in the documentation soon that was needed and that I apologize for sending it late. That I had been having issues and that " Person C '' gave me wrong information. He informed me that my account was red flagged and only the higher ups at Navient could contact me. He also informed me that the hardship would be for 36 months. He also informed me that the forgiveness company was in my file and that it was reputable company but might take a while to be forgiven. 

After sending in the documentations, the calls stopped perhaps due to the fact that I sent a letter of cease contact, though I got XXXX back stating they were federal and did not need to follow The Fair Debt Collection Practices Act. 

I then got a phone call from " Person E '' in XXXX who called numerous times in XXXX morning using a Private phone number informing me that the hardship only lasted a month and that I did n't qualify for it. The woman was rude and did not care for what I had to say about all of the deceit that I had already gotten. 

I was also Harassed with phone calls almost every day from XXXX/XXXX/XXXX to XXXX XXXX. That then picked back up in the beginning of XXXX of XXXX. This did not help my XXXX or my XXXX. 

And all of this after I had paid {$400.00} for the loan to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with MRS BPO, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX, we paid our XXXX phone billed and cancelled our service with XXXX. We switched to XXXX XXXX, who provided us with new phones upon trade in of our old phones. In XXXX of XXXX, we got a bill via email from XXXX that we owed {$360.00} that we declined to pay because we had cancelled our service with XXXX and paid our last bill. 

In XXXX XXXX, after receiving two missed calls and making two attempts to contact XXXX unsuccessfully, I later received a bill from XXXX in XXXX that we owed {$790.00}. There was no invoice attached or statement of phone usage ( because there was none ), but only a sheet of paper with the words in bold red letters : " ... .here 's your bill for this month. '' I 've written XXXX twice trying to get an explanation of why they insist I now owe them {$790.00}, since I cancelled service last XXXX. Since then, I 've received two collection letters from two different collection companies. The latest one is now stating that we owe {$860.00} And they have also put this on my credit report. 

I have a feeling that we are not the only ones XXXX has done this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Payday loan) with DFC GLOBAL CORP (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a message from a XXXX XXXX XXXX from a " Plaintiff 's office '' regarding a case against me and I would be getting served a summons in the next two days. I received messages from two friends of the same message. I called the number right away and spoke with a XXXX XXXX. He said that he was a law firm preparing a lawsuit against me for a payday loan and due to the statute of limitations the creditor is taking legal action against me now before it runs out. It said it was over {$700.00} I owed plus attorney fees and costs. But if I agreed to pay today, they could work out a payment agreement. He stated he was representing XXXX XXXX XXXX. He provided my last XXXX of my social security number and information regarding the debt such from its original company. I agreed to pay the amount I believed this must be legitimate since he called my two friends and knew the original debt information and I did n't want a summons of a lawsuit against me. After I provided my information I asked for his company 's info. He stated he is with a company called XXXX which is a law office in XXXX, Texas XXXX. I asked for his direct number and he provided XXXX. He said he would be sending me a receipt by the end of business day. After the call, I felt like something seemed wrong because I felt as though they were pushing me into resolving this by threatening legal actions against me. So I called back and explained my concerns. He stated he would send me the receipt right away. I received the receipt in my email and it was very vague with limited information and the company was totally different from the company he told me he was with. I called the number on the receipt and a man answered. I asked what kind of company he was and he said it was for mediation services. Then he asked me directly if it was me calling. I said yes and he transferred me back to XXXX XXXX. I have since checked my credit report and this payday loan with XXXX is not listed on XXXX, XXXX or XXXX. Everything on my credit report is current because I have disputed incorrect charges that appeared recently. This company used scare tactics and possible legal action against me to get me to pay a debt that is past the statute of limitations and possibly may not even be assigned to me. From my research, I have determined under the Fair Debt and Collection Protections that threatening legal action is illegal and a company is not allowed under the law to take these actions. Thank you in advance for all help and guidance with this complaint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: TD Bank is and has been improperly charging services fees to a checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am the personal representative of XXXX XXXX, who passed away in XXXX and had a mortgage loan with Seterus ( loan number XXXX ) that was satisfied by a short sale in 2014. I called Seterus in XX/XX/XXXX to request that they mail me a copy of the XXXX that was issued. When I did not receive it, I called again on XXXX XXXX, and again on XXXX XXXX, and again on XXXX XXXX. During the conversation on the XXXX, Seturus told me that they would fax the form to my accountant, but he never received it. I need the form so that the accountant can file the final 2014 federal tax return. Since Seterus has been unresponsive, I am requesting your assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I opened a PNC bank account online. They verified my identity by asking me specific security questions and I funded my account with an instant transfer through a debit card. I then received my XXXX and account number and started to setup my direct deposit. A few days later, I got my ATM card and tried to activate it and was told to contact the bank. At the bank I was told my account was closed due to risk prevention and an incident I had in 2011 which was fully resolved. My direct deposit was already setup. I never received any communication from PNC that they are closing my account. I still have n't received any communication about the closure, but I have received marketing material and instructional mailings on how to use my new account. My money ( both my funding and my payroll ) is now in the PNC account but it is on hold. I have no access to it unless I take time off to go to the branch and get a check for my money. If they were n't going to open an account for an incident 3 years ago, then they should include that check in the opening process. They had my SSN, they ran a credit check, they could add their own security check into the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My son stopped paying his student loan because of a divorce. By the time I found out he was behind he was almost in default. I am the co-signer of his student loan that was XXXX and is now Navient. I have taken over the payments because he just can not afford to pay them. I have spoke to Navient on several occasions to try and work out more affordable payments but they say I need my son 's information that I can not get. 
the loan is presently {$1700.00} past due. with a 10 % interest rate. I have made several attempts to bring this current but they have not been willing to help me get an affordable monthly rate. they will not decrease the interest rate, put the past due amount attached to the rear of the loan. I have been paying the monthly payment of {$250.00} -- the actual monthly payment is {$240.00}, trying to get the past due amount down since I can not pay the full past due amount. I pay {$250.00} /month and only {$37.00} is going towards the loan the rest is interest upon interest. Now I see the interest rate was changed from 10 % to 10.25 % - so instead of paying {$200.00} in interest it is {$210.00} .... how can I ever catch up or make a dent in the payment. 
original loan amount was {$17000.00} -- - now the repayment balance is {$26000.00}. PLEASE need HELP as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with KEYCORP (NY).
Issue: Other service problem

Complaint: I 'm using this app called  XXXX  to help me get my paycheck sooner and my bank , keybank, is not sending over the required information to allow me to do this. This has gone on for about a m onth.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I was in a debt management service in year XX/XX/XXXX. My income level lowered, so I contacted this company ans asked would they contact my creditor and asked for a ( pay off now amount ). This management company told me that I would have to not make payments ( go into default ). When in default the management company said then they could contact this creditor about accepting a lower payoff amount. After I went into default this management company did nothing and left me out of contract with them, and I was left out of good standing with this credit. This is when my debt was sold to a third party debt collector for XXXX dollar. That third party debt collector is the focus of my issue. My credit reports has had this bad report for sixteen years. This one debt has been sold and resold to XXXX to different debt collecting companies and going past the time limit to pursue debt without a court case. In XX/XX/XXXX XXXX of the credit reporting agencies dropped this debt from my credit files. But XXXX just got around to removing this collection agency ( on! XX/XX/XXXX ). Here is what made me angry, this collection agency company wrote me in same mouth that XXXX said this creditor listing had came to the its legal duration. In this delt collector 's letter in XX/XX/XXXX, they said that the law would not allow them to come after me on an old debt like mind but they would continue to report my debt to the XXXX collection agencies. I then contacted XXXX and they said there was nothing bad on my current credit report files ( debt collector lies ). This debt company is bothering me every other mouth with a {$730.00}. bill I can 40 % off. I 'm retirement age and I surely know retirement income is not subject to law suit. I just want this company to go away and the bills in my male box to stop too. This is a very very old bill that went wrong and should be forgotten.

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 01/23/2018 about Debt collection (I do not know) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: AFNI tried to collect a debt that had been paid. I 've reached out to them and advised them that this account was paid. AFNI removed account from XXXX, but not in XXXX nor XXXX. I have proof that this account was paid even before they reported it to XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A company from the phone number of  XXXX  called my father without disclosing the name of the company, in attempt to collect a debt owed to   XXXX   XXXX  . My father then contacted me because we share the same names and he believes I now owe the debt they are attempting to collect. They stated that the person in question owes an actual amount around {$4000.00}, my father does not remember the actual amount but stated they disclosed this person may owe as such. My father stated the debt is not his, and he was not the correct person to attempt to collect the debt from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Not informed of court date received default judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MN).
Issue: Other transaction issues

Complaint: I purchased a used XXXX on ebay. I 've made hundreds of purchases and sales on ebay and most of them used PayPal. This time was no different. Except when I got my credit card statement, they had processed it as a cash advance. I incurred fees and interest. It was not a cash advance. I called PayPal to tell them of the error. The customer service person told me it was my credit card company 's fault. I called them and they said the code that PayPal used to process the transaction was why it was billed as a cash advance, something my credit card company ( XXXX ) did n't have control over. So I had to call PayPal back. After escalating through a customer service agent and his supervior in the XXXX, I finally got " XXXX '' ( employee ID XXXX ) at PayPal. He claimed PayPal had no responsibility or control over how they encoded the transaction, saying it was up to the the PayPal user to configure what type of account they had. I think this is unfair. It cost me over XXXX hours of my time to get my fees refunded by the credit card company who did it as a customer service, even though they had done nothing wrong. PayPal took no responsibility and offered no compensation to me for an error they could prevent if they controlled their user 's PayPal accounts better. They should n't allow credit cards that are used to purchase goods on Ebay to be billed or coded as cash advances. I used to trust PayPal. Not so much anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 've never been late on my mortgage payment. My XX/XX/XXXX payment I paid {$2600.00} which was an extra {$50.00}, which they applied to principal. In XX/XX/XXXX there was an escrow adjustment and my payment of {$2600.00} was {$25.00} short, so they did not apply any of my payment, reporting me 30 days late. In XX/XX/XXXX I paid {$3000.00}, covering the {$25.00} short, plus their {$89.00} late fee. On my credit report it shows I was 30 days late. However my due date is XXXX and they reported me at the end of the month, which is not 30 days. In addition I asked them to considered I 've always paid on time, usually more than the payment, that it was {$25.00} short. I also asked if they could reapply the extra {$50.00} from XX/XX/XXXX to XX/XX/XXXX to cover escrow and then reapply my XX/XX/XXXX payment. They claim by law they can not do that, will not escalate my calls and frankly this is not a black and white issue. I 've talked to a number of financial institutions and DITECH has options to help me, I gave them an easy method to reapply payments, but they just choose not to do anything to help out a long time customer. They have a very rude customer service. My credit score which was well over 700 dropped by 50 points. I 've worked hard on my credit and I find this very unfair and any reasonable person would agree.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Struggling to pay your loan

Complaint: I called to schedule a payment for XXXX XXXX XXXX as well as to schedule a payment on apast due balance. Lady worker said they where busy and would call back. I never received a call instead I checked my bank account and 4 chargers where placed on my bank account. Previously, company ACH my bank due to a payment I apparently was behind. I had paid off the balance and them as workers did not set the money towards the payments as per the manager. She then stated I should refinance which would eliminate the problem. I didnt know that I had to reborrow and pay more interest just to fix there issues. They stated I would get a refund and till then have never got it. They keep saying the district manager is  working on it but I never here anything.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Official Complaint Against : Equifax & XXXX XXXX XXXX ( XXXX ) ( Reason For This Complaint ) I Was Unable to Obtain Credit Due To The XXXX XXXX XXXX XXXX Score Calculation Methodology Equifax Hack & Breach Of Personal Data For People Everywhere Is A Contributing Factor My XXXX XXXX XXXX XXXX Score ( FICO ) Has Been Messed Up Since This ~ It Keeps Showing as XXXX or ( XXXX ) This Is A Huge Problem This ( FICO Score 8 ) System of Calculating People 's Eligibility For Credit Or Lending Is Not Accurate The Research & Facts : The Federal Trade Commission in XXXX Had Ordered a Cease And Decist Order Against Equifax Due To Some Of Their Practices It Can Be Found as PDF on FTC Site As Federal Register / Vol. 60, No. 35 / Wednesday, XX/XX/XXXX / Notices It Appears That Equifax Ignored Key Points Of This Order : It is ordered that Equifax, in connection with the collection, preparation, assembly, maintenance and furnishing of Consumer Reports and Files, forthwith cease and desist from failing to : 1. Maintain reasonable procedures designed to limit the furnishing of Consumer Reports to Subscribers that have Permissible Purposes to receive them under Section 604 of the FCRA, as required by Section 607 ( a ) of the FCRA The FICO score was first introduced in XX/XX/XXXXby XXXX, then called XXXX, XXXX, XXXX XXXX and is based on consumer credit files of the three national credit bureaus : XXXX, Equifax, and XXXX. 

FICO Scores Are Inaccurate For These Two Reasons : 1 ) Equifax Cease And Decist Order Of XXXX 2 ) Equifax Data Leak ( Breach ) Resulting From The Known XX/XX/XXXX Hack People 's FICO Scores Can No Longer Be Accurately Calculated From The Three Sources When One Of The Sources Has Failed I Am Requesting That This Complaint Be Addressed To The Fullest Extent Capable By Your Agency, As Well As Escalated To Other Agencies To Resolve This Matter Equifax & XXXX XXXX XXXX ( XXXX ) XXXX Are In Violation Of : FCRA ( Fair Credit Reporting Act ) + ECOA ( Equal Credit Opportunity Act ) + Failure To Comply With The XXXX Cease & Decist Order

Company response to consumer: Closed with explanation