milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan payments were not dispersed correctly and I was not given a reasonable monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: pinnacle credit services has for the last several years reported a debt on my credit report which is inaccurate. the amount they show owed and date of services are only XXXX of the disputes I have made XXXX times last year and once this year and it is still being reported as accurate. upon calling them after the results of this years dispute I was told that pinnacle credit services does not speak to clients about their debt but, so it can be handled responsibly, but they would give it to someone else while they still are reporting it on my credit report, which in and of itself causes an inaccuracy on the credit report which would equate to it having to be removed or updated due that. upon asking for a supervisor on several phone calls from myself to pinnacle credit bureau, I was told they speak to nobody and my request to speak to someone from pinnacle management would be denied and upon forcing the issue as I am entitled to under the law I was hung up on by pinnacle credit service this year alone no less than XXXX times for demanding to speak to XXXX of their supervisors as to their conduct as it relates to the fair credit reporting act and its inaccuracies on my credit profile. They also attempted to give me XXXX different phone numbers to call in relation to XXXX showing of pinnacle credit service on my credit profile and could not even verify if any of these numbers had to do with the original creditor, XXXX wireless, which shows on my credit report. I allowed them to forward me to a convergent outsourcing whom told me they could not speak to me either as this situation as they put it is in " cyber limbo '' and nobody can speak to me because it is out of their hands and supposedly back in the hands of pinnacle credit service who show on my credit profile but absolutely refuse to speak to me about their name on my credit report. I informed them I was going to the FTC website and making a formal complaint in regards to this as it has affected my ability to obtain credit and it is inaccurate on many levels. Pinnacle Credit Services are a fraudulent company with many complaints for the same thing I am coming here about and when a phone call is made to them an automated message is given stating they will refuse to speak to anyone even though they are reporting things on peoples credit reports. This constitutes fraud and clear blatant violations of the FCRA and any and all measures must be taken to enforce the law and assist people like me who have legitimate disputes where these agencies care little to nothing and refuse to speak to anyone to fix situations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax reports that there is a judgment against me in XXXX Municipal Court. It has affected my credit score to the detriment. I have written Equifax about the inaccuracy with the name difference. I finally filed in court to have this judgment vacated due to identity theft while I was overseas. The court vacated this Judgment as indicated by the attached and should be removed from my Equifax file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech/GreenTree Loan # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started with GreenTree XXXX/XXXX/2015. A full package has been submitted as of XXXX/XXXX/2015. We have left several voicemails and have also reached out via email to our negotiator, XXXX XXXX, with no return calls or emails. Neither will Ditech/GreenTree return any calls from the homeownerDitech/GreenTree ( or whatever they are calling themselves this week ... ) are refusing to respond to the homeowner 's and the Authorized Third Party 's request for updates. This is not acceptable. It is also a violation of their servicing agreement. 

Is Ditech/GreenTree even working on the short sale? Ditech is refusing to communicate with anyone regarding the short sale. How hard is it to pick up the phone and call back?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Chase stating my payment XX/XX/XXXX was not credited and requested I send proof of payment. I inquired with my bank and my bank sent statements XX/XX/XXXX verifying we did in fact make a payment XX/XX/XXXX. I was unemployed XX/XX/XXXX and called Chase stating so XX/XX/XXXX, we paid {$810.00} XX/XX/XXXX, we made XXXX payments in the amount of {$810.00} XX/XX/XXXX to cover the missing month and paid {$810.00} XX/XX/XXXX payment. I faxed the same information the bank faxed XXXX, she called me and left voicemail stating she was having the payment credited to have issue resolved. I made XX/XX/XXXX payment XX/XX/XXXX, it has not been credited to my account. Chase is still showing we are behind XXXX payments despite my proof of payment and continuance to make payments. I desire for Chase to resolve the error and credit my account on the day payments are received, credit the payment made XXXX/XXXX/XXXX immediately and send me a letter verifying we are not in foreclosure status and the account is current. Further I have called the representative Chase is stating is able to help only to be told another representative is handling this situation. Names I have been given, XXXX XXXX, XXXX XXXX, XXXX XXXX. The name provided in the response to my initial complaint XXXX, I have yet to speak with her and was told XXXX XXXX was handling my complaint when I called and asked XXXX. When I called and asked XXXX I was told XXXX XXXX was handling my issue. Who is really handling my issue? I have been passed around to multiple representatives without resolution despite my diligent effort to resolve this issue and providing bank statements and a letter from the bank. My bank has faxed the XXXX pages of bank statements and letter to XXXX separate fax numbers at Chase in an effort to have this resolved. The lack of closure has me concerned we are in danger of losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: DATE XX/XX/17 {$750.00} Keep receiving harassing phone calls and have explained multiple times threatening to call my job and other family members! 
Also after further research according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Called multiple times since my loans became due-more th an 20 times to get forms to have my loans discharged beca use I am  XXXX  and have been for a long time. Nobody sent me paperwork via email or through  US Mail  and my loans are still showing due.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian continues to report inaccurate and unverifiable information regarding XXXX bankruptcies. I have repeatedly advised them that I filed no bankruptcies on these dates, in these courts for the amounts specified on the credit report. They have lied repeatedly saying that They have verified with the data furnishers, the courts. The courts have verified that They did not provide them with this erroneous information. Experian continues to report it while lying about investigating my dispute. I nhave Experian to provide the third party vendor that provided them with this false information and they have not complied.

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX requested balance was $ XXXX settlement amount with XXXX  balance of {$0.00} documentation to support both. 3 months later USFunds request balance of $ XXXX will not accept XXXX {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: my daughter wanted to become a   XXXX   XXXX   but when she applied she could n't apply for the loan on her own so we were told we could split it between us. Approximately {$5500.00} each. The school stated by the time she graduated the loan would be paid off and they would help her find a job. Neither of those things happened. Due to unforeseen circumstances and hardships I had to file chapter  XXXX  to keep from losing my home. I had to make payments to the court of {$430.00} a month for 60 months and turn over my tax refunds also. The court still paid money to the creditors even though they were a write off.   They paid some to  XXXX   XXXX  for the school loan, little did I know that the school loan was accruing interest for th e five years I  was in bankruptcy. My  XXXX  dollar loan is now almost  XXXX ! I make  XXXX  dollar payments a month but it just keeps going up and   XXXX   me out that I will never get out from under this debt. I wish they would at least forgive the interest then I could maybe make a dent in this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX and agreed to pay towards a loan while I was in school in order to remain an " active student ''. I agreed to pay this loan so that I may receive an education. As of XX/XX/XXXX, the school closed down. With the school closing down I unfortunately did not receive the purposed education. I am no longer attending school and have been asked to make payments starting XX/XX/XXXX. Because I was unable to finish, and I did n't receive an education, I do not believe I should be expected to repay any amount of that loan back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I do n't have any judgement in XXXX XXXX County, MD in the amount of {$3000.00} as stated on 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 07/15/2015 about Debt collection (Medical) with Valarity, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have XXXX at the time of this medical service and my XXXX was fully responsible for paying the medical bill. I had XXXX at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with XXXX even after I provided my XXXX information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file. 

This collection agency can not be contacted and there are many consumer reviews on the web of abuses from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Rewards

Complaint: I opened an American Express XXXX card in XXXX of this year, 2015. I have never seen any XXXX points transfer from the American Express card to the XXXX program. I finally talked to a senior account manager at American Express who indicated they are aware that they have a software problem and that is a level XXXX highest priority, and that they have no time frame and no idea when this will be fixed. This is clearly fraudulent as I am due thousands of points ( XXXX bonus for spending {$250.00} in 3 months as an example ) and even the account manager gave me XXXX compensation points which I can not see since their software transfer program has never worked. None of the regular customer service people know anything about this and you spend hours on the phone talking to representatives that have no clue on the credit card program works. The people at XXXX cards ( which is part of American Express ) clearly indicated this is a software transfer issue on the American Express credit card side and even opened up a support ticket even though they can not resolve this issue. This is extremely misleading when you do not tell people that your own credit card program does not work and they have no idea if I will ever see my XXXX points transfer over to my XXXX XXXX. The public needs to know about this and the impact in the industry when a credit card leader such as American Express misrepresents themselves to the consumers that trust them as a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Credit card () with SYNCHRONY FINANCIAL (UT).
Issue: Billing statement

Complaint: I called Synchrony Bank as my Chevron card had been declined. I was informed that since I had filed bankruptcy, the account had been closed -- no disputing that. The changes and payments on the account were all post-bankruptcy, and I asked if I would receive a statement for my final payment. I was told that since the account was closed, I would not receive a statement. I asked what the balance was and was given the current amount. I was told I could not make payment online or over the phone but had to mail the payment. I am not comfortable making a payment on a closed account where no balance will be documented for me to verify.

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 08/28/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind in my mortgage payments due to a XXXX. I continuously called the Ocwen loan servicing for assistance. I was told to continue making the payments when I could. In XXXX 2016, I called Ocwen and was told in that my payment was 90 days past due, nothing could be done. I explained to the rep that I was calling for months. It was noted on my account of the calls to different reps. I was told 'sorry '. In XXXX, I was told XXXX was due to bring my mortgage current. I sent he overnight payment of XXXX on XXXX XXXX. USPS delivered the overnight payment on XXXX XXXX. I checked my account on XXXX XXXX and I was told the payment was received late and now my new payment was XXXX by XXXX ( relationship manager ). My XXXX payment was returned to me. She advised that payment must be sent by the end of XXXX 2016. I was also told to send the late payment to avoid the payment being returned. On XXXX XXXX, I sent a XXXX cashiers check to Ocwen. USPS delivered my check on XXXX XXXX at XXXX hrs. Prior to sending the check, I called and the operator validated that XXXX was the correct amount. The operator updated the account stating my required amount and that I was sending it on XXXX XXXX, 2016. On XXXX XXXX I called ocwen and was told by operator XXXX that my payment was not received. I called USPS and was told the packadge was delivered and signed for by 'XXXX ' on XXXX XXXX, 2016. I called back Ocwen on XXXX XXXX, XXXX and spoke to operator XXXX. He advised me the payment was received and the reinstatement was being processed. On XXXX XXXX I called Ocwen again - spoke to operator XXXX-and was told the payment was not received and XXXX was due immediately for reinstatement. I explained all of the aforementioned information. After going back and forth on this call, the operator told me the payment was received on XXXX XXXX, 2016 but not applied. The operator could not tell me why and seemed puzzled. I was transferred to the escalation manager, XXXX. XXXX XXXX tried to assist me, but could n't explain why the payment had not been applied or why my account was not reinstated. I have yet to find out what 's going on and I am deeply concerned. I do not want a foreclosure on my home. Owen has my reinstatement payment for almost 2 weeks and no one can tell me what 's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have previously notified XXXX XXXX of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. XXXX XXXX opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. XXXX claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. XXXX claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a XXXX Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge XXXX to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted XXXX from my number and I never went into a branch. I have literally never been into a XXXX branch in my life. XXXX is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from XXXX in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ). If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. The credit reporting agencies in the complaint ( Equifax and XXXX ) and thusfar not done any sort of actual investigation either and have taken XXXX XXXX at their word and continue to report false, negative and harmful information about me to creditors. This will be the last complaint I file, the next step will be to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (ND).
Issue: Shopping for a loan or lease

Complaint: I wanted to take a loan to fix my car from an online source called rise credit. I knew that the Apr. Is extremely high so I wanted to pay it back in 3 months instead of the 16 month schedule they offered. How ever, I still was being cautious and wanted to know what exactly would be due in total if it was only 3 months of interest. They explained that the interest will vary depending on the principle Balance and they would n't be able to determine how much would be left on the principle. I spoke to XXXX different agents and both gave me vague and round about answers and really were pushing me to take the loan " the interest will drop dramatically after the first payment '' but would not give me an amount. I told them on a XXXX loan I wanted to pay XXXX in 2 weeks, what will be the principal Balance? Would not say. Said they can not look that up. I think it is unethical to refuse the payment Balance on a schedule that the consumer would like to utilize. I did not go through with the loan because I am not in a position to get in an unknown debt total. What is concerning to me is the many people out there who are in a desperate situation and get pushed into a loan they can not afford thinking they can because they plan to pay it off fast but then end up in the black whole of debt. Rise Crdit needs to provide answers to questions about paying back loans.

Company response to consumer: Closed with explanation