milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My original student loans were through Nevient and since I am XXXX and on XXXX I am unable to work, therefore pay back what I owe. In 2016 i was called by XXXX XXXX XXXX XXXX as a loan forgiveness program. Since i am XXXX and receiving no help thru my loan company I signed on to this program. Since signing on I am charged {$19.00} a month and my loan balance keeps increasing every month on my credit score. I have tried calling with no success of getting a hold of anyone from the original loan program to the student relief program. I feel like I have been scamed all around ... and just need this nightmare to end.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with I.C. System, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had this same issue in the past with the original creditor XXXX and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with XXXX, copy of letter and response is attached, and once again now this new collection agency, I.C. Systems Inc.,  is claiming I owe them without even mailing me anything through the U.S. Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if I.C. System Inc. can not verify this alleged account according to the Fair Debt Collections Act.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the three credit XXXX  transunion, XXXX. I talk to them around XXXX 2017-XXXXXX2017 ..

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 01-11-2018 about Debt collection (I do not know) with ERC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Enhanced Recovery has reported a collection account on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've been disputing a derogatory account on my credit file and I wrote to the company after they validated the debt and asked for proof of the debt being mine ( signed agreement with this company ) on XX/XX/2017. On XX/XX/2017 I received my XXXX credit report stating that the account ( s ) had been updated ; however I did n't see where any major information had changed. I called XXXX and the representative told me that they just updated the origination date. However, the company never provided any documentation validating this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.

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 07/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have an inquiry on my credit report from all three agencies for a company called XXXX customer service. I have no knowledge of this creditor nor did I authorize any credit inquiry from this lender.

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 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have 6 student loans with Navient, 3 stafford subsidized and 3 unsubsidized, through several years of unemployment and generally not making enough money to pay it back I kept being pushed into doing forbearances of my loans. I 'm learning now that I could have had repayment plans that were based on my lack of income to make the repayment. I 've tried talking to them to gain insight into options, but was always made to believe that the best option was forbearance and others were not. I was also led in a confusing way about the other options available to me. Now years later my balance is much higher than it was initially and I 've made little or no steps towards repaying my loans. I believe they 've acted in their best interest to get the most amount of money out of me possible, rather than collecting principal plus reasonable interest. 
There were times that the amount they said I had to pay was much higher than I could afford. I tried saying that I could pay a lower amount and they said no. That the only way to get back on good terms, and the best option, was to just place my account on forbearance. I could have been paying $ XXXX a month during large swaths of times, but they either would n't accept that as the repayment amount, or just said it was not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has been calling my residence every day around noon to inform me of a bogus civil filing against me. They want me to call their number to pay. I told them to stop calling me with this nonsense. That if in fact there is a civil filing and law suit to send me the civil filing and I will have my attorney address the matter. I have not received anything in the mail other than harassing calls and unethical letters saying there is a debt but no proof of where this is from. I do not owe anyone or any company money. My credit cards are to date with their payments along with all my bills. I have also filled a complaint with the Federal Trade Commission and Consumer Protection Services and the XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I opened a Sears card 10 years ago ( XXXX ) and lost control of the debt due to hardships. I eventually moved from XXXX to XXXX to start my life over. When my career started to take a positive turn I contacted the credit report agencies to find creditors listed so I can start clearing debt but there was only new cards and student loan debt present. In XXXX of this year my employer informed me that they received a notice from a marshal ( XXXX XXXX ) to garnish my wages and I immediately assumed it was from student loans. Upon contacting DOE, XXXX, and XXXX XXXX, I was informed that the garnishment did not come from them and I was up to date. When I found out who the marshal was he told me that the judgement was from Sears and I had no idea. I called for an official balance and was given misleading information as to the amount. After months of suffering in wages I called again only to find out that after paying over {$2000.00} since XX/XX/XXXX that they intended to take over {$1800.00} more from me without a statement of payments or balance. This is has been hurting my family because I am a single mother of a XXXX XXXX old and we are truly suffering at the hands of a 10 yr old charged off debt that I feel could have been resolved in a fair way. There must be a statue of limitation on these things.

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 (I do not know) with Law Office of Joe Pezzuto, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive annoying/disturbing/harassing phone calls at my place of business from the Law Offices of Joe Pezzuto ( the number identified in my caller ID is XXXX ). When I answer the phone, they either hang up on me ( this happens repeatedly ) or they continue to ask for someone that I do not know. When I tell them that I have no idea who this person is and that they MUST discontinue calling me at work, they typically just hang up ( and call again ). This is my place of business, and I DO NOT know who this person is that they continue to ask for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/24/2017 about Debt collection (I do not know) with The Law Offices of Kenosian & Miele, LLP (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Kenosian & Miele LLP has been harassing me and my mother for months now. They 're trying to collect on a fraudulent debt that I did n't create. I 've sent letters to this company explaining the situation and sent the necessary proof. They 're still calling me at work and my mother even after she told them to stop calling her. They said I would go to jail if I did n't pay this debt. I refuse to pay a debt that I did n't apply for, sign for, or create. This company should be fined {$1000.00} for each time they harassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Attention dispute department XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$100.00} REV {$210.00} MIN {$43.00} {$130.00} XXXX XXXX XXXX XXXX DELINQ 90 XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$810.00} OPEN {$810.00} XXXX {$810.00} {$810.00} XXXX XXXX XXXX XXXX COLLECTION XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$360.00} OPEN {$360.00} XXXX {$360.00} {$360.00} XXXX XXXX XXXX XXXX COLLECTION XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX XXXX XXXX XXXX COLLECTION XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$1000.00} XXXX - {$1000.00} XXXX XXXX XXXX XXXX COLLECTION XP/EF The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Previously disputed item from XXXX XXXX XXXX which has been deleted from XXXX, experion and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.

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 02-12-2018 about Checking or savings account (Other banking product or service) with EARLY WARNING SERVICES, LLC (OK).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: I have a profile with XXXX app through XXXX ( XXXX ). Not sure what's the password. I contacted XXXX CS todayXX/XX/XXXXand they requested me the last 3 digits on back the card. I provided it to them but they sad it's invalid, of course, because XXXX has been replaced my card. The representative said I have to contact XXXX to provide me the last 3 digits of the old card. I don't need to say XXXX CS said it's insane nobody stored old information due to security. It's ok so I enrolled in XXXX using XXXX but I never get a password for, I requested reset password on the app and said the account has been locked. I contacted the XXXX CS again and they said my personal information 3 digits back of card and zip code doesn't match with XXXX information. Which is not true I have all my profile open on my side.Very complicate XXXX CS.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: The amount of XXXX was made on X/XX/2017 by me to the XXXX  accounnt of XXXXXXXXXXXX for a XXXX purse that she claimed she was selling. This account is her husband 's XXXX account. She told me to send money under friend and family because she did n't want to pay the fees. The order got canceled, I did not received what I paid for nor refunded even though I had asked for signature for confirmation. I have tons of proofs that this person was a scammer. I contacted XXXX, there was nothing they can do. I contacted Bank of America, they said there was nothing they could do because the way the payment was processed through my routing number and my checking number. I think it is not right how I got scammed for my money and theres literally nothing anyone can help me. BOA said if i used my debit card, it would have been a different story but how do I put my debit card info in XXXX. My card is linked with my account and thats how I believed it should be the same thing was used in XXXX. 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 10/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: The bank has charged me over {$900.00} in overdraft fees in the last XXXX days and most of them are not legitimate. They are just taking advantage of poor Americans who are struggling to make ends meet.

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 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Hi, Thank you in advance for your help. I get my pay check first of the month, the due date on my credit card is the XXXX of the month. I have capital one XXXX XXXX. I wrote them a letter requesting that they change the due date from the XXXX of the month to the XXXX so I can make the payments, that way I wo n't charged late fee of XXXX  which I was charged last month. If you could please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I was behind on my mortgage for my condo, The total in back payments was a little over XXXX. The payment has been {$790.00} for the past years, which is confirmed on my credit report,, I paid the {$62000.00} to have the account current. The bank told me my payment will remain the same as long as I continue to make payments on time. 
After my payment of {$62000.00} was received, the bank started to send me bills of {$2500.00}, {$1400.00} not the agreed amount of {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Payoff process

Complaint: I had a credit card with XXXX bank. XXXX filed an judgment against me and then Capital One took over the account. Capital One said that they needed {$4400.00} to settle the judgment. I paid that amount with a Cashier 's Check on XXXX/XXXX/15. It was cashed on XXXX/XXXX/15. The judgment was supposed to be settled but as of XXXX/XXXX/2015 that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: We are reaching out to you for your help in protecting us ( consumers ) against wrongful accusations from bank ( mortgage loan ) establishments. Attached are documents and letters that will help support our case of wrongful and fraudulent activity committed against us. We originally obtained a mortgage loan from Countrywide Home Loans with a 1st and 2nd loan in 2006. Later on we found out this mortgage was a fraudulent loan to begin with. They used inaccurate income, asset and liability. They also incorrectly reported our principal balance over $ 40XXXXXXXX than the original loan.

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 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I contacted the company, ExxonMobile, to report the fraud with their application number but the operator,  XXXX  ( operator number  XXXX  ), told me that she was not authorized to do anything unless I provided more identifying information to her or to a website or another phone number that she designated .. which I obviously could not do.

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 08-05-2015 about Payday loan () with DFC GLOBAL CORP (CA).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX is my original complaint number I 've done my homework and believe that money mart should have only charged me XXXX dollar to cash my check not over XXXX $ the reason is because with settlement checks the state wants us to get full benefit from compensation that 's one reason why they do n't tax us, no I want reimbursement in full today

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Signed up for a new credit card from bank of america and setup automatic payments as soon as I got the card. The payment did not work for the first payment ( which was due several weeks later ) though no such thing is mentioned during the payment setup. ( See attached file. ) When I noticed the late fee I called the bank and was told that if I make a manual payment and give the confirmation number they will cancel it. I did this and the late fee was cancelled. 
Several days later an interrest charge appeared. I called again and was told that they have already considered that I am a long standing customer and have made a partial refund of {$0.00} ( out of {$37.00} ). 
I have since paid the subsequent balances and cancelled the automatic payments with the goal of cancelling the card soon.

Company response to consumer: Closed with monetary relief