milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient will not provide to me their criteria for Cosigner Release . I am looking for specifics on which credit criteria they use and what ranges are acceptable ( e.g., debt-to-income ratio  40-50 % ).    I 'm specifically interested in what, if any, ranges  Navient uses to approve Cosigner Release in the following   categories : Debt-to-income, utilization, payment history, derogatory marks, age of credit history, total accounts and credit inquiries.     I want to be able to make an educated decision and avoid an unnecessary hard inquiry on my credit, which is why I am requesting this information be released to me. This way, if I 'm not going to meet the credit criteria, I can apply in the future when I am eligible rather than wasting everyone 's time.     I submitted an email through their correspondence system on Wednesday,  XXXX   XXXX  requesting this information. On Thursday,  XXXX   XXXX ,  XXXX  from their Office of Customer Advocate reached me by phone. First, she claimed such criteria did not exist. Then she acknowledged it did exist but that there was no way she could give it to me. Seeing no further cooperation from her office, I told her I 'd be seeking regulatory relief through CPFB and my Attorney General.   That call was recorded - if necessary or helpful, I authorize the release of that phone call on my behalf for use in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company failed to send me documents validating that i owe this debt. They informed me that they will be placing this on my credit report and damage my credit history. The company didnt give me proper notification to handle the debt. I get constant calls in which the phone hangs up when i pick up and say hello. I have sinced blocked the call because i was disciplined at my XXXX unit because they called during formation. I also checked my local secretary of state to see if this Company has a business license authorizating them to conduct business in the state of California and they dont. This company was hired by a slum management company to complete their dirty work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Case # XXXX - XXXX XXXX. 
This has been paid and fully satisfied. Attached is the confirming of the satisfaction of judgement with XXXX XXXX. The letter is dated XXXX XXXX, 2014 and recorder at City of XXXX on XXXX XXXX, 2014.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, 2017 I noticed yet another item currently reporting on my Experian credit report due to fraudulent activity. What that means is that this account, along with the many others that I have previously filed disputes against via this venue ( CFPB ), Experian, XXXX and XXXX are due to someone stealing my identity in some capacity and in turn using it without my knowledge. 

The following item needs to be disputed as a fraudulent account in it 's entirety. 

( COLLECTION ACCOUNT ) 1 - XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX This account is also associated with an address of the following that too needs to be removed upon results of investigation : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks, XXXX 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 non-monetary relief
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Yes I was charged XXXX for a purchase with rv parts and I filed a dispute with my bank on my own secured credit card and they still have not issued my credit I prepared the case for them and gave them 7 emails so that they could win under the fair credit billing act

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint relates to my loan servicer, Seterus , Inc . Since Seterus began servicing my loan, I have been extremely dissatisfied with their lack of customer service and inaccurate/incomplete reporting on the payment of my mortgage status to the credit reporting agencies. At this time, I am attempting to secure a refinance of my loan with another lender. However, the process has now dragged on for 6 months and the primary road block in the process has been the incomplete and inaccurate reporting on the payment status of my mortgage by the servicer, Seterus. Although it is now late in the month of XX/XX/XXXX, Seterus has not reported any information on the payment status of my loan since XX/XX/XXXX which happens to coincide with the first notice they were given that I intended to refinance the loan elsewhere by requesting a payoff quote. Additionally, the interest rate on my loan is set to increase 1 % on XX/XX/XXXX and Seterus has financial gain at stake by causing delays in information reporting on my loan to the credit reporting agencies. 

The lender that I am attempting to secure a refinanced loan with has received written transaction records of my mortgage payments for the past 12 months noting that they have been made on time ( within grace period ) and they are now pursuing a rapid rescore related to my payment history with the credit reporting agencies. However, this situation is ridiculous, unfair, and causing me to have to pay into a mortgage that is not aligned with my best financial interests as a consumer. 

In addition to what has been stated above, Seterus, Inc. negatively impacted my efforts to refinance by sending an inaccurate " Verification of Mortgage '' document on XX/XX/XXXX showing that my loan has been late 5 times in the past 12 months but they do not specify which months they are recording as late and they note my loan as " current ''! Furthermore, Seterus has not reported any late payments to the credit reporting agencies related to my loan since they began servicing it because it would be false reporting since I have been making my payments within the grace period of the due date for my loan while they have been servicing it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a citigold checking account with Citibank. The promo code was supposed to be applied to my account 90 days from the opening of the account.we are now over 90 days and they advised the are now investigating promo code. Opening of account was done through their website and promo code was applied automatically. I was advised they will need 30 to 60 days to complete investigation. This Citibank has mislead me and now I am forced to keep my funds with them as I will need to keep my bank active.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Statebridge Company (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX  transferred my mortgage in XX/XX/XXXX. XXXX # XXXX I recently checked my credit report after my score dropped significantly for no apparent reason. 
My credit report shows that XXXX XXXX  reported a Late Payment to XXXX  for a XX/XX/XXXX payment. 
I disputed this late payment on a closed account ( closed/transferred in XX/XX/XXXX ),  via XXXX and Statebridge did not correct it. 
My lower credit score as a result of this incorrect late reporting on an account that has been closed for 5 years, is preventing me from qualifying for a new home. 

I am attempting this CFPB approach as a final attempt to get this corrected before I retain the services of an attorney to sue XXXX XXXX and to be made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Jefferson Capital is showing up on my credit report. I contacted them and they told me another company ( diversified ) who they outsource has my account and they can not help me. I called the company they stated and reached a settlement of XXXX and something dollars. I paid half and was suppose to call back in 2 weeks and pay the remainder. So I did. Once I spoke to them they told, me they didnt have my account anymore and that it went to a different company which Jefferson capital also outsources and now this new company wants to charge me the full amount which im not even to sure its mine! I paid diversified and I dont even think my money was put towards the money indicated i owed. Why did i pay? Because I was trying to fix my credit and just wanted it to be over

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Mortgage (VA mortgage) with MORTGAGE SOLUTIONS OF COLORADO (WA).
Issue: Struggling to pay mortgage

Complaint: Mortgage Solutions financial has sent us a letter notice of Acceleration. we are behind three plus late charges on are mortgage. They have sent more then 12 letters stating we could refinance, modify or payment forbearance on are loan. we have asked for all of these and every time they say NO. Why even offer things if all you do is say NO. We have over $ 50,000.oo equity in the house but no one can loan us any money because of behind on mortgage. There us taking are house to get more money then is right.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.

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 07-11-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (TN).
Issue: Trouble during payment process

Complaint: XXXX transferred my loan to Specialized Loan Servicing ( SLS ) in XX/XX/XXXX. A mistake was made in regard to my account by XXXX at that time. The issue is that prior to XXXX passing my loan to SLS in XX/XX/XXXX, XXXX paid {$1400.00} in county taxes out of my escrow account thus sending my loan to SLS with a negative escrow of - {$990.00}. However, my county taxes were not paid, XXXX paid the wrong amount to the wrong account. My county taxes are {$560.00} and were paid by SLS in XX/XX/XXXX ( along with a {$25.00} late penalty ) after I alerted them to the fact that my county taxes were not paid. In the meantime, I have received a notice from SLS saying I owe {$1700.00} in escrow shortage and my mortgage is being raised by {$150.00} a month. The problem is that I do not owe this money. The escrow shortage was caused by a mistake on XXXX part and by a complete lack of due diligence and follow-up from both XXXX and of SLS. <P/>I have sent two letters to SLS, one letter to to XXXX and two certified letters to both LoanCare and SLS. The letters detailed what happened and I proved CLEAR documentation of the issue. I have also made numerous phone calls to both companies. SLS keeps saying there is nothing they can do and " it 's my problem '' and they sent me a letter to that effect. XXXX keeps saying they " are looking into in. '' Additionally, XXXX has advised me on several calls that they will be calling me tomorrow but they do n't call. It is now XX/XX/XXXX and this has been going on since XX/XX/XXXX. SLS has been absolutely no help at all. Had SLS even bothered to check the numbers on my account at the time of transfer, they would have realized that XXXX had made a mistake. And even with proof that a mistake has occured, SLS says they can and will do nothing.

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 10/25/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I have a pending transaction in my account and transferred funds to cover it the same day, TD bank processed the debit before credit then charged me {$35.00} overdraft fees. On the XXXX i did another deposit/transfer of {$200.00} for some XXXX bills i wanted to pay and they did the same thing, processed the debits before the credits and charged me another {$35.00} hence effectively ensuring transactions are not processed the way they come in. I THOUGHT IF I WANTED TO SPEND {$20.00} ON MY CARD, STOPPED AT A BANK AND DEPOSITED THE {$20.00} I SHOULD N'T BE charged when i used that card??? Not TD Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Date   XXXX     Amount  XXXX  Company :  Phoenix Financial Service , for  XXXX   XXXX   XXXX   XXXX  Received call from company representative on approximately  X/XX/17.  Was told it was attempt to collect debt. Company representative told me who the debt was for. I expressed some confusion over debt given the billing timeline and not receiving bill for services and being confused about the name being collected for vs. the hospital the representative later said it was for. Company representative gave me an email he said I could email but told me not to use info on the company site because it would send " another validation of debt '' letter. At the time, I thought it was a little odd that he said that because I had never received any mail from the company or a letter for a validation of debt. He went on to ask if I wanted to pay anything and I said, no because I needed to know more about the debt. He reiterated that I should contact the email he gave me. After the call, I looked up my credit report the next day and noticed that the report from the collection company was placed for collection well after I had visited the hospital the representative claimed this debt was for. Believing this was not my debt and an error, I filed a report with the credit burea u (  XXXX  )  who said more information was needed. I later after more investigation to get ready to write a debt validation letter, found out that it was agains the Fair Debt Collection Practices Act for the debt collector to advise me against seeking Validation of Debt, especially when I was talking to the representative about trying to understand about what the debt was for. The company and company representative knowingly and purposefully advised me against this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AR Resources, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I had to visit the emergency room at XXXX XXXX Hospital. I am a veteran with health coverage under the Department of Veterans Affairs. XXXX XXXX XXXX XXXX failed to submit a proper claim pursuant to XXXX to the Department of Veterans Affairs within the 90 day time limit.They filed a claim with the wrong party XXXX and got a denial of cliam.They then directed their agent XXXX XXXX XXXX. to pursue collections activities against me in the amount of {$1000.00}. I have attempted to resolve this matter with both entities with no results. Inaccurate and negative information has been placed on my credit report affecting my credit score, which has affected my insurance rates etc.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of this debt. Please send information regarding this debt. While it is in dispute status, please remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXXXXXX XXXX XXXX XXXX XXXX. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX does not recognize IRS FORM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Problems caused by my funds being low

Complaint: My husband and I are on XXXX. I have been trying my best to keep up with our bank acct at Regions Bank. I have gotten all my statements together and in 2016 so far they have taken out overdraft charges in the amount of XXXX and returned item fees in the amount of XXXX. I went to the bank and my account was getting hit by debits that i did not authorize. The bank said that when my acct was in the XXXX i could come back and open another acct. We are on a fixed income and can not afford these charges. Please tell me what i can do. Our checks are direct deposited so they just keep hitting me with charges and my house payment and utility bill has been returned unpaid so many times that i can not write a check anymore. As you can see i would have more than enough money to pay my bills if i was not PAYING the bank!!! PLEASE HELP ME

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 monetary relief