milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Debt collection (Medical) with Capitol Credit Services, Inc (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like to pay debt owed. I ca n't find contact information to send payment. I would like to pay all collections owed. How do I pay, contact me @ XXXX

Company response to consumer: Untimely response
Consumer complaint received 12-04-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was having trouble making payments on my student loans and was contacted in XX/XX/XXXX by nelnet who informed me I could have a economic hardship deferment because I was working at a non profit. After discussing this with them on the phone I was made to believe I had received this and moved on thinking I had time to get my finances in order before paying back my student loans. 
Later in XX/XX/XXXX I was looking through an older email account of mine when I saw an email from them asking if I was interested in forbearance which i was confused by because my account was supposed to be already deferred. It said to reply yes to this email if you want forbearance so I did but was confused why I would need to. I received the same email again in XX/XX/XXXX. and replied yes again and was growing more confused but figured my account was already deferred so it was n't a big deal. 
When I recently checked my credit score I saw that it had dropped by a large amount and when I looked to see why it showed my student loans had been late for many months after I said yes to the deferment. 
I contacted Nelnet XX/XX/XXXX and told them about the call where I was told I had received a hardship deferment and the email replies. Regarding the first email I sent I was told that there must have been a problem with their technology because they just received my final email on forbearance. When I asked about the call I had with them where I was told I had a deferment they said they sent me a form in regards to the hardship which was never mentioned on the call where i said yes to taking the deferment. 
When I asked what could be done to address this situation they said I am on forbearance now so nothing is currently due however this does nothing to help with the damage done to my credit. When I asked what could be done to address the damage caused to my credit by the fact I was allowed to believe I had a deferment and my loans had gone unpaid they blew me off and said they would submit a complaint but it would n't lead to anything. I find this particularly frustrating because they pushed me to take the deferment and forbearance and admitted to at least with the email it being their technologies fault but say they ca n't remove the damage done by their mistakes from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I spoke with XXXX XXXX XXXX corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that XXXX XXXX XXXX  would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from XXXX credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about XXXX XXXX XXXX and XXXX. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however XXXX  just keeps updating it and not deleting it off my report along with experian it is still reporting.

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 10-02-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX modification granted. Error made where late payments added to payments. Customer Account manager told my wife and I NOT to make a payment until they corrected it. Spent every month updating modification documents. Foreclosure proceedings began. The sell date was for XX/XX/XXXX. XX/XX/XXXX the XXXX modification package was sent to Bank of America. Was told that the sale was stopped. The last notice of the sale was in the state paper on XX/XX/XXXX. XXXX requests for validation of debt has been ignored. Told on XX/XX/XXXX house sold on XX/XX/XXXX. On XX/XX/XXXX found house on site listed as REO to be sold on XXXX starting bid at {$25000.00} on XX/XX/XXXX-XX/XX/XXXX. XXXX customer service managers assigned since XX/XX/XXXX. XXXX faxes sent giving the permission for Bank of America to discuss loan with my wife. XXXX appointments scheduled for customer account manager to call to discuss account. No calls received. Sat on hold for XXXX hours for one call XXXX times. Wrong phone number given on the loan modification status web site. An extension number was never given, without extension number call would hang up on my wife. Bank of America is guilty of breaking several laws : refusal to validate debt, dual tracking of a foreclosure ( packet in more than 37 days before the sale ), not posting notice in local paper, when posted it was in a state paper not widely circulated in our area more than 10 days before the sale. We were not properly notified of the foreclosure. The attorney 's letter was received almost 1 month after XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... XXXX ... Transunion ... nor XXXX   have done such. The inquiry is STILL on my credit!

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 10-11-2017 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: Account information incorrect

Complaint: XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down equifax over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: YET AGAIN EXPERIAN HAVE FAIL TO PROVIDE ME WITH A COPY OF ANY EVIDENCE SUBMITTED BY XXXX.BE ADVISE THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION WAS HEREBY REQUESTED, TO BE PROVIDED.AN EMPLOYEE LOOKING AT THEIR COMPUTER SCREEN, SEEING MY NAME LISTED IN THEIR DATABASE IS NOT VERIFICATION OR VALIDATION OF ANY ALLEGED ACCOUNT. THE SAME ACCOUNT IS ON MY REPORT XXXX TIMES. ENCLOSE IS PROOF OF IT SAME ACCOUNT NUMBERS AND EVER THING HOW CAN THEY DO THAT AND GET AWAY WITH IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold checking account with was supposed to give me XXXX XXXX XXXX points when the terms of the account opening were completed. I completed those terms, and now Citi is saying they will not honor my completion. I have contacted them multiple times regarding this promotion and they are refusing to honor it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by RMG creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

RMG, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Billing disputes

Complaint: My problem began around XXXX when I was looking to purchase a XXXX XXXX XXXX online. I saw one on XXXX. I saw the option of using Bill Me Later to pay. I have used it before always paying on time. I did n't owe them any money. With Bill Me Later I would have the option of delaying payment for up to XXXX months. Around XXXX to early XXXX I decided that I would just pay it off. When I went to the Bill Me Later site it said that it was now PayPal Credit. When I tried to log in I saw my daughters name. 
I thought that somehow they merged our accounts together. I asked my daughter to get in touch with them so that I could pay the bill. Under Bill Me Later I would have untilXXXX to pay. When my daughter finally called PayPal Credit they said that my Social Security number was on her account so I would have to call. 
I called and they said that I owed for the XXXX XXXX plus approx. {$150.00} in late fees. I never received any notice until now. I am still totally confused and not sure what happened. 
I tried to work it out with them but they are not hearing it. My daughters account comes up when I try to log in to pay. 

Fact 1. I tried to pay it off early but Bill Me Later changed to PayPal Credit. When I tried to log in my daughters name came up. 
Fact 2. When my daughter called they said that her account has my SSN so I would have to call. 
Fact 3. PayPal Credit refuses to work with me and just wants {$120.00} in late fees. 
Fact 4. I have a perfect record with Bill Me Later. I did n't owe anything when I purchased the XXXX XXXX XXXX. 

Please help resolve this matter. 
Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: the law offices of XXXX sued me and got a judgement against me on time barred debt and now my check is being garnished

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The home equity account has been paid on time for years. There have been no missed payments, and the account is in good standing, as listed on their own statements. XXXX XXXX Home Equity has repeatedly reported that this account is delinquent. These reports are false and have been reported several times. XXXX continues to submit misleading reports to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Credit Karma, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Credit Karma Inc. / CreditKarma.com Complaint I reside at an RV park in Texas. The General Manager of this park contacted me and informed me that he had received information from CreditKarma.com, doing business as Credit Karma Inc., that I had registered a vehicle to the park address which is against their policy. I have not registered a vehicle to the park address. I informed the GM of this. I contacted Credit Karma Inc. via XXXX  which is the only way to contact this company, as they have no phone number or mailing address publicly listed, and requested that they disclose any information in their database related to my identity. I understand that the Fair Credit Reporting Act provides me the right to have access to my personal information in a companies database if that information is to be used for the purpose of credit reporting or screening my identity. Credit Karma Inc. refused to disclose my information and attempted to elicit further information from me by claiming that they required names and email addresses that I have used in the past in order to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Payoff process

Complaint: JP Morgan Chase Credit Card record should have been deleted effective the end of XXXX, 2016 according to NYS law, statue of limitations, requires removal of record completely.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Basically it appears to be a Transunion Scam. When you try to get the second Credit report a page appears from Transunion asking you to purchase for {$17.00}, a Credit Monitoring/report/score service an the Computer screen will not allow you to bypass this request. So we " could not '' get the reports for XXXX or XXXX, because of the issu with the Transunion advertising blurb constantly coming up in between the Annual reports. 
Why have it available if it does n't work! XXXX ... XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient bought my federal loans from XXXX XXXX XX/XX/XXXX. Immediately i began having issues with them. My loan came out of a forbearence in XX/XX/XXXX and i filed the necessary forms to get an IBR ( income based repayment ) since i am unemployed. I mailed the IBR forms via usps with return receipt to indicate that they in fact received my forms. Two months later i received a notice that i needed to pay monthly on my loans. Nothing about getting an IBR. I called Navient right away and asked about my IBR. They stated they never received paperwork. I mailed it AGAIN. They stated they never received it. I talked to a supervisor and got a fax number and faxed the SAME paperwork via fax to the number the supervisor gave me. I followed it up with a phone call. They stated they never received it. I faxed the papers 6 more times and finally they received my forms. However, a week later, i call to check the status and they tell me the forms i used were too old. I told them they were the forms i printed out from Navient website so how can they be too old? The rep stated that now id need to cross out the date on the paperwork and date the forms within the last 6 months. So i fax it ALL AGAIN and they tell me they 've received it and my IBR will take 20 days to to process. The very next day i began receiving calls from a XXXX number which is Navient. They call my phone 6-8 times a day. I finally spoke to the rep and she tells me they want to help me with my student loans since they are out of deferment and my payments are now behind. I told the rep that i had just sent all forms and that i was told that my IBR was processing. The customer service rep says she has NO RECORD of any phone calls, any forms being received, nothing from me about the IBR. I asked the rep if they take notes and put the information in my account so that everyone at Navient is on the same page. She stated that they dont do that. So basically, ive wasted the last 6 months sending forms, calling, yelling, fighting with this company for nothing. They keep no record of anything and even if you speak to a supervisor, they still dont know whats going on with your account. 
They are not following the law, they are suppose to help borrowers who need help with repayments and offer them IBR/Forebearence where applicable. This is why Navient is being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage for approximately 15 years. Originally, the loan was with XXXX XXXX who sold it to XXXX who sold it to Chase. I have never missed a payment and have never been late with a payment. The problem started with the purchase by Chase. Suddenly, I was receiving a double bill each month with differing due dates. I became so confused by Chase 's billing procedures that I actually made an extra payment one month ( which was never acknowledged, or refunded ). It is my contention-and accusation-that Chase is deliberately spreading a smoke screen with its computer-generated billing system. They will gladly XXXX an extra payment or two our of the consumer, but no mention is ever made about the consumer having overpaid his mortgage. I charge that Chase is deliberately using their computer-generated payment notices to fleece their customers by enticing/extorting them to pay premiums in advance without acknowledging either the early payment or the extra payment the consumer is encouraged to make. You-the Florida Office of Financial Regulation-should be ashamed to allow and be a complicent partner to this fleecing of the consumer by Chase Bank. I eagerly await your reply and solution to the corporate malfeasance by Chase Bank. 
Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mismanaged my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website ( www.equifaxsecurity2017.com ). They have put myself and millions of others at risk for a lifetime of identity theft/fraud due to negligent security protocols in handling consumer information.
Furthermore, they have been attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XX/XX/XXXX   REFI home   XXXX   XXXX   XXXX   XXXX  interest only and  XXXX   Harris bank HELOC 10yr w/balloon. Market crash  of  XX/XX/XXXX ,  XX/XX/XXXX  went under,  XXXX  now has first , Harris became BMO Harris. Tried to REFI could n't, too far under, nearly every 2 yrs same answer different banks. Balloon payment due on HELOC, jumped through several hoops for BMO. Now they are done trying and want to  short sale. House appraisal still about  XXXX  under loan values. Called  XXXX  to inform them about Short Sale and see if they would consid er REFI 1st, s aid they could n't, just a collection agency. So I have a gripe with both BMO and  XXXX . I just checked  XXXX   XXXX  and my credit scores were  XXXX  and  XXXX , I 'm also a veteran but that did n't matter to anyone.

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