milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was charged over {$10000.00} for 3 months of schooling. I gave back the computer and the books and was still charged with this outrageous amount. I am now XXXX and am unable to work so I am having a lot of trouble paying back my loan

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Khoury Alternative Claims Management (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother rented the 2016 XXXX XXXX XXXX from XXXX, XXXX XXXX, FL for three days starting XXXX/XXXX/2016 to XXXX/XXXX/2016. 
On XXXX/XXXX/2016, my mother returned the SUV back to XXXX garage free of any damage during her rental period. A XXXX employee thoroughly inspected the car upon the return and found no damage that my mother was responsible for. With the employee 's approval, she returned the car and paid all the rental fee without being notified that there 's any damage on the vehicle that she was responsible for. 
On XXXX/XXXX/2016Alternative Claims Management sent an email to us saying that XXXX XXXX XXXX XXXX is filing a damage claim of {$530.00} again us months after our rental. 
After we sent them a dispute letter saying that we did n't cause any damage during our rental, Alternative Claims Management and XXXX insisted on collecting the claim. 
I think they are making a fraudulent claim and are trying to scam us.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My daughter went to the XXXX after a wreck she was in with me. She currently has XXXX and did at the time of service. Her father has full custody and is responsible for all medical bills. At the time she needed med attention right away so I took her. They contacted her father and got insurance information. A few day later I got a call from the hospital saying the insurance was denied because the car insurance of the other driver was responsible and got the ticket. Her father contacted them and they agreed to pay the bill after all. About a month later I get a call from United Revenue Corp. I explained everything even gave them her fathers number. They stopped calling me then I saw this company on my credit report. I called them and they were very rude. Said I had to pay this. We called the hospital and they claim XXXX paid the bill. I told this collection agency this but they said they have not received anything form the hospital. I told them even so I am not responsible for medical bills for the children as part of my divorce agreement. I am solely responsible for child support and educational bills for my children. They did not want to hear it my ex husband called they would not even talk to him about the account. Somewhere between XXXX and the hospitable and them there records are messed up and this is effecting my credit now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (I do not know) with MRS BPO, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My credit report is saying I have {$410.00} Im collections from a XXXX from XXXX XXXX 2017 I have nothing in my name not I have I opened any accounts in my name in years. This is NOT my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (TN).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On XXXX I received a completely unsolicited XXXX XXXX debit card from XXXX. The Issuing company is XXXX Bank and XXXX. XXXX XXXX is affiliated with XXXX XXXX and their frequent flyer program. I have never applied for a XXXX XXXX credit card or any other card associated with XXXX XXXX. There is an {$85.00} annual fee associated with this card if you choose to activate 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 explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I originally bought this house through XXXX, which was sold to XXXX XXXX XXXX. Now it is owned by Shellpoint mortgage. On or about XX/XX/2015 I called shellpoint mortgage to tell them I had just gotten out of XXXX, and was 3 months late on mortgage payments. I asked if they could tack it onto the end of the loan because I had no way of catching up on the 3 months due to my XXXX and the recent divorce. They told me I could do a loan modification. After about 10 months of working on this loan modification, I started getting getting threating letters from shellpoint and contacted my congresswoman XXXX XXXX. After getting a person from XXXX ( XXXX XXXX ) to call shellpoint, she got it under control again and we were going to do the loan mod with another person at shellpoint. I was happy to get another person. XXXX XXXX took over the loan modification, after about a month of sending in all the paperwork in for the umteenth time, she said it was all there and off to the underwriters for a decision, she said it will take approximately 30 days. I left messages for XXXX XXXX for 3 weeks every day to have her call me, she would not call me. I told XXXX XXXX that I would not deal with anyone but her, so everyone but her called me everyday, and everyday they called I told them to let me talk to the loan modification officer XXXX XXXX. Since that time shellpoint will not accept money from me and they will be trying to foreclose on me and that was almost 3 months ago when the loan modification should have been approved or denied. 
Friday I was sent a letter from shellpoint that says " notice of default and intent to accelerate '' To top all this off they are asking for all monies to be paid in full, well I still do not have the 3 months that I was behind, but I still have the money they have been sending back to 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 06-02-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Attempted to electronically payoff Bank of America HELOC, funds were sent from my primary bank, XXXX. After XXXX days, and confirmation from XXXX that funds had been sent, BoA claimed they had not received the funds ( told me it had likely been lost in mail ) and to cancel payment and resend. I cancelled the check on XXXX XXXX. 
For my XXXX attempt, I mailed a check with payment stub to payoff majority of account. Payment of {$10000.00} was debited from my XXXX checking account on XXXX XXXX. I called BoA on XXXX XXXX to understand why the HELOC had not been credited at which time they told me they had no record of the payment. I faxed copy cleared check to BoA and am waiting for resolution. 
My concern is that I did not " Recieve Prompt Credit for Payment '' which was debited from my account. Under most conditions, I would not have resorted to this level of escalation, but this has been drawn out for a month with little to no assistance from BoA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: PNC engaged in fraud and now they are trying to get me to pay XXXX. They already ruined my credit and now they still have this charge on my credit report. When several offers came for the house, they refused the offers and the house ended up in foreclosure and being sold for a fraction of what was offered by potential buyers. I also believe the terms of my loan for the house were more onerous and higher due to being an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Trouble during payment process

Complaint: I purchase my house in XXXX XXXX and paid XXXX for my house then. I fell behind and filled bankruptcy in XXXX. Currently I am upside down on my home and Select Portfolio can not explain why I owe over XXXX for my home as of date.. I do understand there was fees but I should not owe more than I purchase the home over 17 years ago. It is like I stop paying on my home for 17 years in order for me to owe more than I purchase the house for in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan that now I am unable to afford. They prayed on my vulnerability because at the time I needed a vehicle. They conspired with Fifth Third Bank, which in turn sold the account to XXXX XXXX XXXX, knowingly that evidently I would default on the loan due to my inability to pay ... .PREDATORY LENDING. Now I am stuck in this loan with high interest and high car payments, owing way more on this vehicle than what it 's worth. I was never offered a carfax for this vehicle and after purchasing one on my own, found out that it was one of a fleet of rental cars. Based on the federal " XXXX XXXX '', this information should of been disclosed to me as a consumer in the purchase. I tried in vain to take the vehicle back to the dealership and was deceived several times. I simply can not afford this vehicle. It will probably be repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXXXXXX  Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXX , IN 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 07/21/2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (FL).
Issue: Managing the loan or lease

Complaint: In XXXX I purchased a vehicle from XXXX XXXX or XXXX Services. The vehicle is a XXXX XXXX and was in fair condition at the time of purchase. I had recently been involved in a divorce and my options were limited at the time due to bruised credit. I believe this lender has been engaged in predatory lending practices as a result. The loan is based on a simple interest loan exceeding an APR of 24 %. I have had to modify this loan on several occasions thus putting me further and further behind. The current payoff balance as of today is {$10000.00}. The purchase price of this vehicle was $ XXXX over 4 years ago. I have roughly paid over $ XXXX in interest and down payment since the inception. I have on several occasions asked to be refinanced or to put me into another vehicle. The response was that the balance would have to be paid down to {$4500.00} but at this rate that would take another XXXX years. To boot the car currently is in need of over $ XXXX in repair including engine work, and multiple other issues. This loan has since been serviced by Bridgecrest. Please look into this loan to determine if this is predatory lending based on FCRA and other Consumer Finance Laws. 

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 explanation
Consumer complaint received 06/29/2016 about Debt collection (Payday loan) with Central Portfolio Control Inc. (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: A lady by the name of XXXX XXXX fron central portfolio control, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Medical debt) with California Business Bureau, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received notification from a home lender that I have a collection account on my credit from California Business Bureau for {$590.00}. 
I called the California Business Bureau to learn what the account was for. I did not have knowledge of the account. 
They told me that it was a remaining balance from a XXXX at XXXX XXXX XXXX in 2014. They also stated that the balance had now gone from {$590.00} to {$750.00}. I called the same day the credit report was issued. 
California Business Bureau said that {$590.00} was the principal balance, and the additional charges was interest placed by California Business Bureau. 

I called XXXX XXXX XXXX to confirm that this was accurate. XXXX XXXX XXXX informed me that the principal balance was {$290.00}. The original balance was {$590.00}, however I paid {$310.00} on the day of XXXX. Leaving {$290.00} remaining. 

I then called my insurance to confirm that the patient responsibility being claimed by XXXX was correct. They said that the patient responsibility had been fulfilled and no other payment was due. 

I then called California Business Bureau again, and explained the descreency between my insuracne company, the hospital and them. 

They told me I was wrong, and to quote XXXX XXXX ( who I spoke to ) I was " full of XXXX. '' I suggested more than once that I would pay the true balance of {$290.00} declared by XXXX XXXX XXXX that was sent to California Business Bureau,  including their interest. They declined, and only would allow me to pay their stated about of {$750.00}. They continued to claim that I was lying. 

I offered XXXX to have a call with me and XXXX XXXX XXXX so we could collectively get to the bottom of the true balance owed. She declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: My card was lost and there were fraudulent charges. They did a temp refund while they " investigated '' 3 days later I receive a letter saying they are reversing the refund. And are saying I owe {$250.00}. The charges were not made from me. The rep advised there was no need to file a police report as the only thing missing was the card and they had issued a new card.

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 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with COLLECTIONS UNLIMITED OF TEXAS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to a dentist XXXX for a estimate to have my XXXX replaced that were missing XXXX. They realized it was XXXX and said that if I fix my teeth with them they would collect it from the insurance through subrogation. They never discussed ANY cost for anything nor did we discuss a cost for initial consultation. They gave me a price and I left ... I continued to get estimates and had another dentist quote a lower amount. They were also closer to our home. I chose them to do a XXXX missing in a accident. A month later they billed me XXXX. We discussed it and they said it was a misunderstanding bur still expected me to pay it. I said no ... I never agreed to it. They turned it over to a collection agency as a debt for my daughter ( yes for my daughter ) in my wife and my name to a collector.

Company response to consumer: Untimely response
Consumer complaint received 11/25/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: THEY SENT ME TO A DEBT COLLECTOR CALLED NELNET. XXXX HAS THREATENED ME MY LIFE. AND SAID THEY WILL MAKE ME HOMELESS. THEY HAVE CAUSED ME MENTAL DISTRESS ON TOP OF MY PROBLEMS AND MARK MY WORDS IF NELNET DOES NOT LEAVE MY WAY OF LIFE ALONE I WILL XXXX THEM BEFOR THE END OF XX/XX/XXXX AND THAT 'S A PROMMISE CAUSE THEY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Credit card debt) with Lyons, Doughty & Veldhuis, P.C. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: an unknown person open a credit card with XXXX XXXX XXXX, they sold off the debt when they were unable to verify the person who opened the account. Since that time XXXX XXXX XXXX, XXXX aka Lyons, Doughty & Veldhuis P.C. has garnished by wages and I finally got a release but not all my monies have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I checked my report on XX/XX/XXXX and noticed that a account for XXXX was deleted from the credit file and today when I checked my credit file after spoking to a representative of Equifax they refuse to honor my request and claim that they do n't see anything in there system showing that this account was removed. Equifax failed to notify me via mail of the reinsert which according to the FCRA with five days that they will be reinserting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I was not told by the mortgage company that I was denied a modification and had the right to appeal. This is through Nationstar Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The amount that was given and talk over is n't the amount 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