milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid an apartment complex directly on XXXX/XXXX/2011 and was given my receipt and a signed letter by the property manager stating that they received payment and my balance was XXXX. The company was changed management several times and lost paperwork and so forth and yet IT HAS NOT BEEN REMOVED FROM MY XXXX CREDIT CREDIT, WITH ABSOLUTE PROOF I PAID prior to it going to collections. THEY ARE DELIBERATELY NOT DOING THEIR JOB AND BREAKING THE LAWS THAT ARE IN PLACE FOR THE CONSUMER. I have disputed over and over again and they still have not did their job with irrefutable proof. I would not have a receipt or letter from the collection agency since the apartment complex was paid 5 years ago and was called XXXX XXXX. So therefor my receipt was given to me from the property manager of the complex I previously resided. I made a complaint to my XXXX XXXX as well as FTC.

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 06-01-2015 about Debt collection (Payday loan) with Nationwide Debt Management Solutions, LLC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: the caller stated that he has made several attempts to contact me and that I need to call him back asap or legal actions will take place against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received an offer from LoanDepot ( my mortgagor ) that I could save interest on my loan if I signed up for their budget billing program where they take my XXXX/XXXX my payment twice a month and then twice a year they take an extra payment. This was very misleading because they do n't apply the payment until the XXXX payment is made. They are taking my money and using it for XXXX the month without any benefit to the consumer. I can make a thirteenth payment at will. I am a XXXX and understand what is going on. To the typical borrower that if very misleading and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX 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 explanation
Consumer complaint received 09-05-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: It is with great frustration, pain and desperation that I request a work out plan that will be affordable. I am desperate for I have received notice that my home has a foreclosure sale day of XX/XX/XXXX. 
I must begin to tell you that my home was purchased in XX/XX/XXXX. Never any issues until about XX/XX/XXXX-XX/XX/XXXX when my partner XXXX XXXX XXXX began with health issues. We applied for a loan modification then and were approved for a trial period. Shortly after XXXX passed on. I was devastated. I requested payment arrangement to no success. 
In XX/XX/XXXX BSI servicing company took over my loan. The payments were unaffordable. 
Please understand this is my primary residence, I want to keep my home. This situation was very stressful and distorted at the time. I could not believe what happened to XXXX. I lost him for ever. 
I have now have organized matters and I am able to pay for my home. There are lots of memories here in my home. I have submitted all my financial documents including death certificate for XXXX. This is a hard fall please extent a hand and help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Using a debit or ATM card

Complaint: I have about {$5000.00} in fraudulent charges from a XXXX. These charges are unauthorized. I have contacted Key Bank via postal mail but have n't received a response. I am XXXX so I can not call their fraud number that they 've given me and they wo n't allow you to initiate a dispute via email. So I mailed them a dispute letter about these fraudulent transactions. There are also about {$150.00} in foreign transaction fees. 

After doing some research, you should be aware that XXXX is n't even allowed to do business in the United States or with any U.S. citizens for that matter. They are an unregistered, unregulated brokerage firm of some sort and do not comply with U.S. laws. In other words, they are illegal and should never have been able to charge my debit card in the first place. I am attaching a document from XXXX that the SEC published that backs up the fact that XXXX is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have not been receiving notices. I have sent in paperwork fromthe doctors because im XXXX XXXX. Im on XXXX. When i was getting voice mails I was in contact with any agency that contacted me and each time without fail It was we have no record of getting a doctors note concerning you. After a bit of searching with a few respresentatives that took the time to look deep into wherever they looked one was found. my account was put in deferment. I kept getting calls and I kept calling and explaining. The next set of calls I have been receiving are for student loan forgiveness. then I call them back and I got we cant help you. I get the message I qualify but still cant get the help I need. Im confused and frustarted

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Payday loan debt) with Sunset Management, Inc (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Contacting me about other people I know accounts. Threatening to call the police and pull up at my residence. Employee used her job title to have XXXX XXXX with someone I know who has an account as well

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 04-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am not sure how this all works at all!!!!! This is the XXXX that I have ever checked my credit report at all. I have noticed that there is a lot wrong with it. and that is someone using my name and social security number. and as far I can tell it has started in 2008. Now I noticed that they have duplicated addresses on the reports, which it makes look like I move around a lot. also on XXXX report it has like XXXX phone numbers which some of them I 've never heard of myself. My concern is, is that there is someone using my personal information cause of some addresses on here that I have never live at in my life. and at the of them being on my report ( stating on report ) I was living in a whole different state at the time. I need to find someone to help me fix this & all this right on my credit report so I can find an apartment where I do live, which is Massachusetts. I would also like to get the person who is using my identity into trouble, cause this is not fair to fair to me at all for what they are doing, they are ruining my life, making it very difficult to get an apartment where I live or even open a credit card. I also would like to dispute the XXXX account that is on transunion report & then XXXX report has XXXX XXXX XXXX which I 've never heard of neither. so I need help disputing them please. there are on there also that I ca n't make out cause I did not get my full complete credit report that I was promised thru annual credit. com. so I guess I 've got to try to contact them & see they will give it to me. I also thought there was XXXX credit reports that was suppose to get from. but I only I received from XXXX, so what do I and where do I go from here???? please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting medical collections that are not mine and I and the collection company agreed upon terms to have these accounts removed from my credit XXXX & XXXX XXXX XXXX Recentbalance XXXX XXXX/XXXX/XXXX Dateopened XXXX Status XXXX XXXX XXXX. 
XXXX XXXX, TNXXXX XXXX XXXX XXXX, TNXXXX XXXX Addressidentificationnumber XXXX Originalcreditor XXXX Type XXXX Terms XXXX Onrecorduntil XXXX Creditlimitor originalamount {$590.00}

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 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: It 's now been more than six months since we asked XXXX to close the account and refund the annual fee plus the credit amount due on the account. We have filed a complaint with CFPB about the annual fee, specifically how hard they made it to close the account. Not only did they not refund the annual fee, they have been kiting the credit amount due. every month we get a statement showing a credit balance, but never a check to pay it back. 

We are considering small claims court for recovering the annual fee, maybe we will include the credit balance in the same suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Keynote Consulting, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: they sent me collection paper work with my social security number on it .it did come in the US mail ( regular mail ) and I am concerned about this getting in the hands of the wrong people

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: spoke with Equifax on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on Equifiax and Transunion XXXX Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I applied for PSLF and selected my preferred plan ( and only plan that I wanted to be placed in ) as PAYE. This was in XXXX 2017. I submitted all of the required documentation. I had not heard anything for over a month. Then I submitted a consolidation application. After that, I had a payment that became due ( after my grace period ) for XXXX on the standard repayment plan ( for over {$2000.00} ). I chatted with a rep at XXXX, who said that my consolidation application is what put me in the standard repayment plan, and that I should delete my consolidation application to be put in PAYE in time for my  payment due date. So I did that. 

Then I still remained in the same standard repyament plan, owing over {$2000.00}. I then received an email that I was not in a good repayment plan for PSLF as I would have nothing forgiven ( if I continued to pay in the standard repayment plan ). So I called XXXX to discuss in person, and this time they told me that when I deleted my consolidation application ( as I was instructed to do, because I was told it placed me in the standard repayment plan ), that my PAYE request was deleted ( even though I had applied for PAYE separately and months prior to my consolidation application ). 

So they told me that they now have to re-process my application for PAYE. I still have a payment posted for over {$2000.00} on XXXX ( in one week ). But they told me to just ignore that and not pay it, as once my application is complete it will un-do the previous payment that was required, and that they do n't report people for deliquency until 90 days, and that my app will be complete by then so I will not have to worry.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Billing disputes

Complaint: I 'm sending this complaint to Consumer Financial Protection Bureau because on XXXX XXXX and XXXX XXXX, 2016, though I had never charged {$1900.00} on my new CITI credit card, some Unknown CITI Investigator - or process - had entered that unauthorized {$1900.00} charge - and now, since I 'm refusing to pay, CITI will : 1. After Friday, XXXX XXXX, expect their " Fraudulent {$1900.00} Ransom Charge '' ; 2. After Friday, XXXX XXXX, expect interest on their Fraudulent Charge ; XXXX. On XXXX XXXX, charge an outlandish interest rate - 29.99 % as a penalty ; XXXX. On XXXX XXXX, charge late fees as a penalty. 

Since COSTCO 's XXXX XXXX, 2016 transition from an XXXX card to a CITI XXXX card, I - an XXXX year old -- have been dealing with financial torture - and COSTCO is at the center of it all. 
XXXX claims that it sent a {$1900.00} FRAUD case on my account to CITI - but CITI refuses to accept it as fraud. If we had stayed with XXXX, they had promised that by XXXX XXXX to totally remove that value from my account. 
But on XXXX XXXX, 2016, CITI in 2 separate letters on that same day blamed XXXX - and my wife while without remorse posted a {$1900.00} FRAUDULANT VALUE on my new XXXX account - and that value is greater than my monthly Social Security check. 
When CITI accepted the hand off of charges from XXXX, XXXX had already flagged that {$1900.00} as unauthorized and removed it from my balance - but on XXXX XXXX CITI improperly posted that value as authorized - and so, CITI ca n't seem to honestly address their accounting issues, which has put us in an uncomfortable financial tight spot. 
As far as I 'm concern, CITI has twice committed an act of Fraud - and COSTCO has been a behind-the-scenes compliant party to this financial fiasco - and what I consider unethical acts. 
If COSTCO had asked us whether we wanted to move from an XXXX card to a CITI VISA card, we would have stayed with XXXX because we have another XXXX card, which causes me some confusion. But COSTCO never gave us that opportunity of choice. COSTCO decided to move their consumers from XXXX to CITI 's XXXX card without any consideration of us. 
Now, after COSTCO behind closed doors collaborated and made some unknown agreements with XXXX, CITI, and XXXX, on XXXX XXXX, 2016, COSTCO just dump the untested consequences of their efforts on their members, which has caused me to waste too much time and energy in dealing with the mayhem of XXXX credit cards not working ; of twice needing to have credit cards reissued ; of being unable to reach CITI for many days - and of being unable to close XXXX FRAUD CASES because we never knew what COSTCO had agreed to with its cohorts.

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
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I been trying to waive XXXX of my loans due to school closure in 2014. All the people at Navient just keep giving me the run around. They tell me I need this and that and once I provide the information. They all of a sudden say I need something else. I provide that information again and once again am told that I need something else. Are you kidding me? They put you through a loop so you can just give up. I am tried of their games. Why ca n't they do their jobs and get this taken care of. Waive this loans were something so simple and yet turned out to be something that is taking longer than 3 years to do.. I am now still waiting on them to submit me a letter so I may take it to another school to confirm that my credits do n't transfer. This is so unprofessional how they are handling my loans. The dean over at XXXX of the schools never heard of the lender requesting a letter stating that my credit do n't transfer. I this this is XXXX. it is just another loop to keep me hanging and not processing my request to waive XXXX loans due to closure of the school.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On   XXXX   and again on   XXXX   Chase Bank via  Amazon.com infor med me my credit was ran and applied for credit. I did not authorize this nor did I apply.   I contacted  Chase  at  XXXX  on  three occasions whom informed me the application was clearly fraudulent and they would remove th e inquiry from my credit. My most recent conversation was in   XXXX   and was told it would be removed in a couple days. They remain on my credit and Chase bank has failed to remove the fraudulent inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is the worst mortgage company on the planet! Our loan was sold to them by Homeward some years ago! We had no control over that. How a mortgage company can manipulate account balances with extra charges and random fees is beyond criminal. Every statement must be examined. We have been dealing with Ocwen lying about making an insurance payment to our insurance company for 2 months now! They claim they made the payment in a batch of other checks. Check was not found. After repeatedly calling Ocwen back they claimed they would overnight the payment so that our insurance would not be cancelled. The overnighted payment was not received by our insurance company! This happened again and again. We had to make the insurance payment to avoid being cancelled. The payment addresses for our insurance company has not been changed. Ocwen claims this matter is in research and they will call us with a resolution.They put you on hold and say they are making notes and you will get a call. These people are XXXX based speaking bad English and they have no answers for you the customer. Why are they allowed to remain in business?

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 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: CRA VIOLATION ON THE ACCOUNT THAT NEVER LATE. 
CRA VIOLATION / NO KNOWLEDGE ON THE INQUIRIES.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I XXXX XXXX sent Equifax a request of a dispute on an item over my credit report That dose not belong to me. and Equifax kept sending leters stating XXXX XXXX inquiry is a factual record of who accessed your credit file ) I called Equifax. and after I was on hold for XXXX hours finaly someone answers and says to me the same thing. 
XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX was a factual record of who accessed my credit file. 

EQUIFAX does not want to investigate and show me proof that its mine. I have never applied for a mortgage loan or a loan or done business with XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX. im asking you CFPB to help me fix my problem. as im not going to stop fighting this problem I have until its fixed. 

My name is XXXX XXXX XXXX contact phone number is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

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