milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello my name is XXXX XXXX, I went to XXXX XXXX and have been attempting to pay my loans down and get better interest rates. I have a situation that I may need help with. I figure I 'll give you the info and you can help guid me from here. I refinanced some private student loans from XXXX ( navient ) to XXXX in XXXX of 2015. Everything funded all was well, but in my account login for navient under that same account number it shows I still owe XXXX ( rounded down ) on that account. I verified that the amount XXXX funded was total loan amount. I can only conclude that they made an error. I have contacted them with my concern once in XXXX. Not hearing from them I 'm or seeing any difference in the account I need to address this before any more time passes. I messaged them again inquiring what the deal is but I 'm paying interest on a loan that is already consolidated. I do n't know how exactly to proceed. I could use some guidance if this is an issue you can help me with. 

Thank you, XXXX XXXX. 

Sent from my iPad

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid receivables performance management for a XXXX debt owed. Original debtor was XXXX. The debt was paid years ago and I have statements proving so, however, they have reopened the debt and placed it for collections on my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The information on my credit file related to medical bills were a part of my bankruptcy and have just now shown up on my credit bureau report. These were all part of my XXXX and were included in bankruptcy that has been discharged. Should I contact my bankruptcy attorney to contact these debt collectors? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting duplicate closed information for XXXX, when in fact this account is paid on time and active. Experian has several duplications for XXXX as it relates to negative accounts on my credit file. XXXX reporting states its closed, another reporting states it is open yet delinquent which, this creditor should in fact be updated with on time payments. This account is not delinquent.

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 04/13/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: On Monday XX/XX/XXXX I tried to use my debit card to make a purchase and it was declined, I checked my account to find out why the transaction was declined and found out that my account was overdrawn. I called the XXXX on the back of my card and I was told there was a fraud hold on my account and was transferred to the fraud department, after holding for over 2 hours I was told the fraud department was closed and to call back the next day. On Tuesday I called back and the fraud department said they were NOT the ones who put the hold on my account. I went into a bank branch on Tuesday and I was told my account was frozen so as to carry out an investigation on suspicious activity. The bank was unable to give me specifics. They called the department on my behalf to find out what was going on and the person the bank agent spoke to was sent an email to give me and the department refused to speak with me after I asked to speak with them. My husband also checked his account after I told him what was going on with my account and realized he had a hold on his account as well. I have been calling the bank to at least release some of my funds to me so I am able to eat and buy gas but they have refused, leaving me stranded as I have NO money to spend.

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 11-10-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates did not notify the credit reporting agencies of multiple disputes in XXXX 2017, but continued to pull reports which is a violation of FCRA 623 ( a ) ( 3 ) )

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with Colony Brands, Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: HOMEATFIVE : I have never requested a line of credit with this company. I started receiving the catalog which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: National Credit Systems is attempting to collect an illegitimate debt on behalf of XXXX XXXX XXXX, specifically their property in XXXX, FL for which I was notified by the leasing office that I never signed the final and complete copy of the lease for on XXXX XXXX, XXXX. I never moved into or received keys to this property and National Credit Systems is attempting to collect the amount owed for an entire lease term, despite the fact that the proper paperwork was, according to the property, never completed and turned in. Going off of what was sent to me in the voicemail on XXXX/XXXX/XXXX, ( which I have proof of ), I assumed that no action needed to be taken. I am not responsible for this debt in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Settlement process and costs

Complaint: My name is XXXX. XXXX in XXXX XXXX I sold my house in XXXX XXXX to " XXXX ''. We met in their offices I asked for XXXX $ which was a little over what I owed the mortgage company. They wrote me a check for the difference I handed over my keys an moved from XXXX to XXXX. A few times after that the bank would continue to take the money out of my account for the mortgage but I contacted the realtor for we buy ugly houses an they fixed it. 
I heard nothing more about the house until I briefly moved back to XXXX in XX/XX/XXXX. Then I found out the house I " sold '' was probably a rent to own an the people I thought I sold a house to stopped making payments. Still at that time I did n't feel it had anything to do with me as I sold that house. In XX/XX/XXXX I heard I was in foreclosure for that house. I received a notice from Nationwide, I sent them a lette saying I sold that house. First problem was since it was over 5 years since I sold it I had thrown away the paperwork from the " XXXX " people. Second problem seems to be no deed was ever transferred, recorded Or in evidence of the sale I thought was completed. I was still listed as owner. 
Despite several attempts to try to tell the I do not own this house have reaped no profit nor made any payments on it since XX/XX/XXXX. 
They are pursuing foreclosure on this house. I now live in Nevada an I do n't know what to do. A realtor friend of mine told me to contact you, please help I feel I have been the victim of fraud with these people " we buy ugly houses '' an feel helpless to stop this. I own nothing, have nothing an ca n't afford a lawyer. Thanks XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX

Company response to consumer: Closed
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Freedom Mortgage has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. Freedom Mortgage has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I have ha d   XXXX   HE LOC loans on  XXXX  different pieces of property that I was only paying interest only on. At the end of the term I was sent forms for assistance in loan modification. I began this process in   XXXX   XXXX   XXXX   XXXX   XXXX    ,  one yea r ago. I have gone to my branch and faxed over  500 pages  of documentation that was requested. Then every month after that I have resubmitted the information because it was " lost '' or sent to the wrong place. With the last call I was told that this should be it and they would let me know the status. I got a letter today saying that they are still missing information and I should call immediately to find out what they are missing now. When I called I was told that I did n't have any missing information but that I had to start all over. I off course was livid. The lady in charge of my account blamed the system for loosing things but that she could now see everything and the underwriter should be able to also and that she would be checking back with me if any problems. I have not heard anything for a month or so and thought things were progressing properly, until the letter today which states that I am still missing something and need to call them which I did. I started this call at  XXXX  and it is now  XXXX  and I 'm still on hold. Please give me some help.

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 06-05-2015 about Debt collection (I do not know) with Franklin Collection Service, Inc. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Constantly receiving calls from Franklin Collections, multiple times a day. Every time I answer they hang up. I call them back, and they wo n't tell me who they are, then proceed to hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I received my credit report and found several items that were not mine. After noting the inaccuracies, I notified Allied Collection Service to inquire about the date they claimed I owed. On XX/XX/XXXX, I sent them a letter via certified mail ( See enclosed documentation ) concerning the issue that this was indeed not my debt but also requesting verification, i.e., competent evidence that I had some contractual obligation with this trade line. I also asked for a certified copy of an original contract, with my handwritten signature, specifically naming Allied Collection Services as an entity entitled to enforce a claim against me. My final purpose of this letter was to ensure the company knew I was disputing the debt which I made clear on several occasions throughout the document. On XX/XX/XXXX, Allied Collection Services received the letter ( See enclosed documentation ). On XX/XX/XXXX, XXXX XXXX XXXX provided a response to my dispute and provided the enclosed document as evidence of their lack of sufficient proof of validity. As a printout of a bill or itemized document does not constitute verification.I submitted the documentation to the CRA 's for evaluation that this is clearly not valid proof of debt ownership. 

On XX/XX/XXXX, I reviewed my credit report ( See enclosed updated doc from XX/XX/XXXX ) that Allied Collection Services did not furnish the credit bureaus with the required disclosure, within the period required by law. Allied Collection is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. All other accounts which were incorrect, inaccurate or incomplete that I disputed had this disputing detail in the descriptions. However, Allied Collection Services did not.This is a violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] : ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

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 10/25/2017 about Checking or savings account (Other banking product or service) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX at about XXXX Eastern, I stopped into the XXXX XXXX branch of Suntrust to deposit loose change that had been collecting over the last year. The teller advised that they do not have a change counter and refused to accept my coins. The teller further advised me to go to a local grocery store to have it converted into dollars. Later the same day, I called Suntrust to discuss the matter with them and to look for an alternative branch ; however, they informed me that it is their policy to only accept rolled coins and they would be of no further service to 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 explanation
Consumer complaint received 11/26/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company XXXX XXXX filed a debt on my credit report after I disputed debt with them. They have even sent me letter showing proof I am disputing because they have requested more info. 
Also they have now sent me a letter offering me to pay half the debt, which makes no sense. It is not mines and should never have been put on my credit report. 
Under the law I have a right to dispute a debt.

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 05/16/2017 about Mortgage (Conventional home mortgage) with AMERICAN FINANCIAL NETWORK INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was a victim of predatory lending by American Financial Network XXXX XXXX XXXX XXXX. He baited me with a low interest rate before and after my loan process with a 3.625 % mortgage finance rate. This was on a 30 year conventional fixed loan with 5 % down. He ran my credit and I had a XXXX credit score which is the highest bracket I could be in. I applied for the mortgage loan with AFN on XXXX/XXXX/XXXX and on the closing disclosure estimate it stated 3.625 % rate. However when asked if it was locked he XXXX XXXX XXXX XXXX stated I had to sign the loan application and disclosure estimate. He also replied in a separate email on XXXX/XXXX/XXXX that it was indeed " locked 3.625 % with our # XXXX top investor. '' I have proof of that email as well as documentation of the underwriter also approving me at the 3.625 % fixed rate and credit score. So XXXX strung me along the whole mortgage process until XXXX/XXXX/XXXX ( after expected close date ) when he revealed that his investor backed out of the promised 3.625 % rate and that I would have to accept a 5 % rate! He stated to me and my agent that he purposely avoided telling us sooner since he was 'nauseated ' at the news. He waited until after the election to tell me and by then rates had skyrocketed to 4 % and above. He eventually told me 4.5 % is the best rate he could get for me! Since I had no other recourse I had to accept. The rates did indeed go up everywhere and I was at major risk of losing the home. So he had me cornered. I was offered a free refinance certificate in case the rates dip well below 4 %. I want justice for the bait and switch scam AFN is running. The fraudulent scam that XXXX pulled on me will cost me about {$86000.00} over course of loan and $ XXXXmonth extra ( $ XXXX ). Please refinance me at the " locked '' rate of 3.625 %. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (I do not know) with Capital Management Services, LP (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received several more calls from Capital Management after I told them not to call me and the debt is not mine. I have not returned any of the calls to XXXX. This is my second complaint against this company. You contacted them but there is obviously no resolution because they continue to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-04-2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was living at an apartment that i was cosigned on for the lease.  When I moved out they came after me for the money from being on the lease but never specified what the amount of money was for. They have a huge amount of money that they are trying to collect from me that i feel i don't owe and they've never shown that i do owe them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: 3 1/2 years ago I move to XXXX from XXXX XXXX XXXX. I was trying to sell the house in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on a short sale. My realtor and the broker were working with the mortgage company ( Green Tree Financial ) to try to sell the house. Several buyers were rejected by the mortgage company until two years ago in XXXX 2014 when I received a court order for what appears to be a foreclosure notice. In the court order it names XXXX, DBA XXXX as the note holder. After that I started receiving monthly bills for the mortgage from another company named DITEQ. At this point I do n't know if the foreclosure still ongoing. I have no idea who is handling the foreclosure notice ( either Green Tree financial or DITEQ ). Bottom line I need the foreclosure to be completed and stop this suspense that is causing nothing but health problems for 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 04/14/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I had a individucal, that i gave a check to to build me a brick mailbox. After getting the check he did not show back up. I called him several times, and he would say that he was coming back out but did not show up. After 2 weeks we cancelled the check. 4 days later the individual cashed the check with ACE check cashing company. The company continually calls my wife and wants us to pay for the cancelled check, because the individual wo n't return the money. Im now getting calls from XXXX from someone claming to be XXXX XXXX with XXXX, XXXX, and XXXX. Threaten to sue for a {$170.00} check cashed the individual with ACE Check Cashing in 2012.

Company response to consumer: Closed
Consumer complaint received 03/25/2015 about Bank account or service (Checking account) with PNC Bank N.A. (SD).
Issue: Account opening, closing, or management

Complaint: I opened an account at the PNC Bank XXXX XXXX, 2015. I received a document showing a Routing number of XXXX, a {$25.00} deposit into a Virtual Wallet Account and a confirmation number XXXX. I called PNC, at XXXX about not having received an account number. They could not find my account using the confirmation number or my social security number. They have {$25.00} that was used as the initial deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have requested for loan modification to bank of America and was rejected. Yet my income is high and unable to meet with monthly payment. Instead of Bank of America working with me, they sold my loan to XXXX XXXX XXXX XXXX wihout completing modification. Bank of America wants to forclosed my house, because no one is happy with XXXX XXXX XXXX. Their primary duty is to complete a fast sale by employing fraudulent means.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08/17/2015 about Credit reporting () with National Consumer Telecom & Utilities Exchange, Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Fraud alert placed on National Consumer Telecom & Utilities Exchange consumer report. 

Consumer reporting agency above refuses to send copy of report I am entitled to see as a result of fraud alert placed. 

NCTUE Disclosure ReportXXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation