milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Steered me toward higher payment loans I ca n't repay my loans due to the high payments and increasing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted this file for a short sale had completed all of the process except we were missing XXXX judgment for less than {$2500.00} from a third party hospital. It took a while to track down because we needed to locate the collection agency on the matter. After months of processing, the file was closed on the XXXX for the XXXX missing document and on the XXXX the document was sent to the lender with an updated HUD reflecting that the {$2500.00} would be paid at closing. No one looked at the file for 1 month and they have scheduled the home for sale

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 02/16/2016 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage note was sold by B of A, who I was working on a modification with coming out of bankruptcy, to Rushmore Loan Management. My mortgage servicer is dual tracking me I have sent in at least XXXX modification applications and numerous support documents. While under the guise of assisting me secure a modification of my loan they proceeded the entire time to push the foreclosure through as evidenced by filing dates on various documents. I need assistance because I want to keep my house. I fell behind because I am unable to work. I have secured a steady income stream and can afford modified payments now for at least two or more years. It has been more than thirty days since I was notified of my complete modification application and required documents being received and I still do not know the status of my request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Credit card () with Army and Air Force Exchange Service (TX).
Issue: Billing disputes

Complaint: We purchased an item from the company, we found the item local and inquired with the company via chat on their website how to return the item. They advised us just to reject the item delivery. That is exactly what we did and the company states they never received the item and will no longer return our contact attempts to help resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to the recent XXXX data breach I want to freeze my credit. I was able to do this easily with XXXX and XXXX, but Experian has made it impossible to freeze my credit in a timely manner to protect myself. Ive tried their online system multiple times as well as their customer service lines and each time I face multiple crashes and a final message that they are unable to process the freeze so I should mail in a large number of sensitive documents. No option to communicate or alternative process was offered. They also charged me {$10.00} on each attempt even though they did not provide any useful service.

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 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XXXX 2017, I have signed up for a American Express XXXX cards with the promotion to award XXXX XXXX XXXX reward points after I reach the spending limit of {$3000.00} which I did. I have confirmed multiple times with American Express customer representatives regarding this welcome reward point during and after my application. All those American Express customer representatives have promised and confirmed with me on the recorded line that I should be awarded with those XXXX points after I reached the spending limits which I did. With such promise and conditions, I was convinced and applied for this card with {$95.00} annual fee. Unfortunately, most recently they told me that there was a fine print terms in the application contract that those reward points will not be given to me since I had the similar card before. First, I do n't remember I had similar card before. Second, I did not remember I saw such fine print terms in my application form. Therefore, I believe this is a very unethical and wrong business practice conducted by American Express. I am urging American Express honor that they have promised to customers and correct their wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (I do not know) with Armed Forces Loans of Nevada Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Armed Forces Loans has contacted my XXXX ( XXXX XXXX XXXX ) & gave information on an alleged debt. They also contacted me at work on 3 different occasion via phone stating the company name & other information on the alleged debt after I informed them the 1st time I was n't aware of a debt. The person who attempted to collect was a XXXX 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 06-12-2017 about Debt collection (Auto debt) with AMERICAN HONDA FINANCE CORP (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I requested verification of a debt owed to  American Honda Finance  via the  XXXX   XXXX   XXXX  and received papers that have been fraudulently signed by someone other than myself and  one  of the signatures does n't even have the correct spelling of my name. The only accurate signature shows the account has been fully paid. All others are fraudulently signed. Someone has also added fake references to this application. I have no knowledge or connection with any of the references listed. Additionally account history as of  XXXX  shows a total due of {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Debt collection (Credit card) with OLIPHANT FINANCIAL, LLC (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: This company keeps trying to collect on a debt that originated from another creditor that has settled the account and charged off and shows paid on my credit report with all XXXX credit bureaus. This company has nothing to do with the original creditor. They are saying because the original creditor charged off an amount that I still owe that even though it was settled with original creditor They have called multiple times a day. some days early late and in the middle of the day. they have also called just after XXXX on a Saturday morning which I am including with this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX 2015 I received a letter from Bayview loan servicing saying that my escrow was short XXXX. I called in XXXX to ask about making the payment and the representative told me that I could make the payment over the phone and she would make sure that it was applied to my escrow account. On XXXX XXXX I received a statement saying that my new payment would be XXXX starting XXXX XXXX. I immediately called to ask what the increase was for and at that time the representative told me that I had a shortage in my escrow. I then explained to her that I paid it in XXXX and she researched and found that I did pay the shortage over the phone and that she would request for the funds to be transferred to the escrow account and I should call back in two business days. When I called back nothing had been done. The new payment amount was still reflecting and I had to explain again what happened and the representative assured me that this would be taking care of. I called back a week later to find that still nothing had been done. I was told they were running a new escrow anlyst but still nothing has been done about this shortage that I had paid already. I called on XXXX/XXXX/2015 and I was told that someone requested for the money to get put back in my escrow account but the request was stopped and she did n't know why. I called back yesterday to be told by the supervisor name XXXX that I never paid the shortage. She told me that the company gave me a corporate advance because I had not made the payment and I explained to her that I made the payment in XXXX. I asked her to please review all the notes on my account as I have been calling all month about this issue. She told me that the last notes she saw was about me complaining about the escrow. This company has yet to fix this issue even though I have been calling about this all month. The have charged me for return check fee 's and there was no check returned. I checked my credit report and they have already reported the new payment of XXXX without even fixing my issue. This seems to be a XXXX violation. There seems to be an unwillingness to fix this on Bayview 's end and now this will impact my credit but I did make the payment. Please help me fix this all if my efforts have been ignored by this company. The other bad issue is if I would not have quested the new payment amount I would have been paying for something that I already paid for. 

My mortgage is under my maiden name of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Can't stop charges to bank account

Complaint: I told them I do n't get paid till Friday but they wo n't wait they want to take it out on Wednesday they purposely are going to bounce my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Payday loan debt) with Accord Business Funding, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I took out a small business loan with XXXX XXXX XXXX in New York but I practice XXXX in XXXX Texas. We got hit by major hurricane and lost my XXXX for a month. I was unable to pay XXXX so they sold by debt to XXXX XXXX. XXXX XXXX garnished all the insurance checks owed to me for my services starting XX/XX/XXXX and continue to have them garnished. I have never be served papers or had a legal judgement against me. The have received more money than what was owed to XXXX, but state they have not received anything even though XXXX has told me they have mailed them the checks.

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 06/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My complaint is regarding XXXX XXXX now Navients allocation of my Student Loan Payments. In 2011, I entered into an agreement with my employer ( XXXX XXXX XXXX ) for Student Loan repayment. In total my agency agreed to pay {$30000.00} over 3 years. Each pay period my pay office automatically paid {$380.00} to my student loans for a total of {$760.00} per month. When the payment was set up, I requested that after the monthly required payment was satisfied, the balance of my payment would go to the principal balance of the loan. Navient did not allocate my payment this way, instead telling me the payments were being applied the nexts months payment. When I discovered this I called and asked Navient to correct the issues and was told they could only correct the previous two payments. This continued over the course of my student loan repayment agreement. I called multiple times and the payments were still not properly allocated. I started with a balance of $ XXXX and after 3 years of making {$760.00} a month payments, my loan balance only went down $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have repeatedly been denied access to my free annual credit report by Trans Union. Several calls to multiple Trans Union customer service help lines have not fixed this issue. Trans Union claims that they do not have a record of me when I attempt to obtain my free credit report, both through XXXX and Trans Union 's own website. However, Trans Union is willing to provide me with a credit report and credit score if I submit a payment of {$12.00}. Neither my name nor social security number have ever changed, and my address has remained the same for more than three years, minimum. I received my free annual credit reports from both XXXX and XXXX without incident. My XXXX XXXX credit card account is able to access some aspects of my Trans Union credit report, which indicates that Trans Union has erroneous information about my credit history that is having a detrimental effect on my credit score and status, resulting in financial damages incurred by myself. I need to correct this erroneous information, but I can not do so without a full record of my credit report. I have tried repeatedly to fix this issue with Trans Union over the phone. I have taken all actions requested and correctly answered all questions asked of me. However, Trans Union has refused, either through maliciousness or though incompetence, to provide me with my free annual credit report as required by federal law. I ask that the Bureau of Consumer Financial Protection intervene to both correct this issue on my behalf and to also secure the payment of compensatory and punitive funds from Trans Union as allowed by law.

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 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid FIRST POINT resources XXXX debt was paid on XXXX/XXXX/15 they left it on my credit file..im XXXX if I paid the debit they should be kind enough topay the debit with my little bit of money they should be nice enough to TAKE IT OFF my file I call them they flat refused..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had several inquires reported on my credit report on XXXX/XXXX/16 from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX dealers and XXXX. I have contacted all of these companies via telephone and by letter. They all have informed me that they do not have any information to provide me regarding the inquiry. I have asked Equifax to provide me with information they have collected from these companies. Which I have not recieved. I have asked for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 1. 30/60 days past due, negative credit report, I never received phone calls with a live representative or automated message, Last name was spelled XXXX ( incorrect spelling ), Barclays Bank Delaware 2. 30/60 days past due, negative credit report, my children misplaced the mail/ I never received any follow-up from the company to collect payment, XXXX XXXX credit card 3. 30/60/90 days past due, negative credit report, Not my account/ name is incorrect XXXX XXXX XXXX is not me/ I never received any follow-up calls, XXXX XXXX 4. 30/60/90/120 days past due, negative credit report, I requested the company to close this account and assistance to create a payment plan, but received no follow-up, I eventually paid it in full due to no response, XXXX XXXX XXXX 5 . 30 days past due, negative credit report, my wife is in charge of this account, not me/ I asked the company to change the contact info, but they never did, XXXX XXXX 6 . 30 days past due, negative credit report, This is my wife 's vehicle in which she wrote a check and sent it in prior to the major holidays. After receiving the notice of this late payment, we called XXXX and explained what we did. The representative stated they received the check, but did not deposit it till after the holidays and said they would not report this as a late payment-it still reflects it on my credit report, XXXX XXXX XXXX 7. 30/ 60 days past due, negative credit report, My wife was responsible for this account, the vehicle was a gift. My wife became delinquent due to XXXX XXXX around that time frame. This was brought to the attention of the creditor, but we never received a follow-up solution, XXXX XXXX XXXX 8. 30 days past due, negative credit report, I have never been late on this account/ support. I made the mentioned payment on a Friday late afternoon in which that following Monday was a holiday. I called the representative and explained this matter. She agreed that it was a mistake and provided advise on payment delivery. The representative stated this would not affect my credit, but it reflects on my report, XXXX XXXX County D.A. 

9. 30 days past due, negative credit report, Old account that I disputed with the company years ago. The representative stated they would remove this from my credit report, but it is still there. XXXX XXXX XXXX 10. 30 days past due, negative credit report, Not my account, I am not familiar with this company. XXXX XXXX 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 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with DCN Holdings Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company by the name of Accounts Receivable, in XXXX, FL contacted me first via phone regarding a past due invoice to XXXX Downtown. Membership to this gym was month to month at the time I had a membership and I am under no contractual obligation at this time. I have not had a membership to XXXX Downtown since XX/XX/2014. 

When asked to provide proper documentation as to why I owe said past due balance, no representative at Accounts XXXX could provide valid documentation. I received a generic looking " statement '' in the mail, however it did not indicate a time period from which the past due balance had accumulated, nor did it indicate why the balance was outstanding. 

Representatives from Accounts XXXX continue to call, XXXX times per day. Representatives have even left messages for other individuals, on my voicemail. Representatives continue to threaten further legal action if the balance is not paid.

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
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have filed dispute to Transunion but they do n't give me proper notice of the investigation

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 08-03-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Good afternoon XXXX XXXX, My name is XXXX XXXX and my complaint # XXXX. I am emailing you in regards to my complaint that I have submitted to you. It shows that the company sent me settlement letters XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I have never received any type of collection settlements or documentation from the reporting consumer as stated. Therefore, the report should be deleted from my credit reports for not being received. I am in the process of trying to buy a home from my family and this collection is really holding me back from doing so for my family. I desperately need help with getting this removed from my report. Please help me to get this resolved. I desperately need help Thank You

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Medical) with Grant & Weber (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt collector, Grant & Weber, refuses to prove that the debt is still valid and enforceable by failing to provide a copy of the signed contract. The difference between the debt being valid and expired depends on the existence of a signed written contract. Regardless, consumer has attempted to resolve the unpaid medical bill but collector is charging interest in violation of the FDCPA as they have failed to provide any evidence that they can collect interest. Further, debt collector states that medical provider will not negotiate a settlement which is a bold faced lie. They refuse to engage in negotiations and refuse to waive interest charges, yet the continue to report this account on the consumers credit report every month as an unpaid debt. The debt is nearly 6 years old. Their conduct is unfair, deceptive, and the practice of charging interest without a contract or law suit is a systemic and intentional violation of the FDCPA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation