milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I took out {$16000.00} in student loans in between XX/XX/XXXX-XX/XX/XXXX. Due to many circumstances, including misunderstanding of fees and penalities, these loans went into default. I consolidated the loans once that I am aware of, but according to NSLDS I consolidated XXXX separate times. I also completed a rehabilitation in XX/XX/XXXX. I have been consistently making payments well above the minimum requirement since XX/XX/XXXX. 
However, in spite of all the payments I have made over the past 20 years, my balance is now almost {$60000.00}. I contacted FedLoan in attempt to verify the payments I had made, and what the several thousand dollars of fines were from. They provided me no information prior to XX/XX/XXXX. I contacted the Ombudsman, whom I thought was supposed to be a neutral advocate, and I feel she did not represent my needs or my interest at all. It took her 5 months to provide me with the same records I already had. She specifically told me there is no information regarding my rehabilitation, no promissory notes, no explanation of fees or charges. She provided me zero additional information, and yet she said I have no options in verifying this debt that has consumed my life. 
These loans were taken out before the bankruptcy laws were changed, yet they were affected by the law changes. These loans were taken out before the lending process in general developed guidelines to prevent abuse, yet THOSE laws did not affect my debt. 
I have literally paid the equivalent of what was borrowed, yet the Department of Education tells me balance is 3 times what I borrowed. They refuse to provide any records to validate my debt, and it is obscene that my student debt is not held to the same standards as credit card debt, medical debt, civil debt, real estate debt, or any other debt that I have ever heard of. This is predatory lending, and unvalidated debt, and I should have the right to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Auto) with Creditmax Collection Agency, Inc. d/b/a Creditmax, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We purchased a  XXXX   XXXX   XXXX  in   XX/XX/XXXX  f or {$11000.00}. Due to impending divorce, vehicle was voluntarily given up to creditor. Last payment made to creditor was on   XX/XX/XXXX .  Balance on vehicle at this time was {$7500.00}. Creditor sold vehicle for {$3700.00}, leaving a balance of {$3800.00}. My Ex husband, who was the primary signature on this note, filed for bankruptcy.     The original  Creditor sold th e debt to  Creditmax , Inc in   XXXX   XXXX , IN. However, I never received a Writte n Validation Notice  from this company at the beginning of their debt collection process.     I n  XX/XX/XXXX  I  was summoned to Small Claims Court and a Judgement was issued for {$4900.00} ( see attached ) I was summoned aga in in  XX/XX/XXXX  for  a supplemental hearing. I was a  XXXX   XXXX   XXXX  at this time with no real income.   Fast forward   XX/XX/XXXX ,  I am working as a   XXXX   XXXX   XXXX   XXXX   and receive notice of a garnishment from Attorney  XXXX   XXXX , who is in house counsel f or Creditmax  . The debt is now an inflated {$6100.00}, to be garnished at 25 % of my earnings. I did attempt to make payment arrangements with Creditmax , Inc. for {$50.00} out of each paycheck, but I was denie d, stating that the debt was too old.   I also attempted to file bankruptcy, however, I did not have enough debt to be eligible to file.  Plus, it would have cost {$1500.00} or more to file. As a     single mom, I struggle just to make ends meet, so this has truly caused me financial distress.      As of today 's date, my employer has garnished the {$6500.00}, with the last payment being sent to  Creditmax, Inc  on   XX/XX/XXXX . T his is alread y   XXXX   XXXX  more tha n the mount in the garnishment order.   End of story, right? No!! My payroll department contacted m e on  XX/XX/XXXX  to in form me that  Creditmax, Inc has re quested an additional {$390.00} in accrued interest.     This type of collection process has to stop! How this is even accepted practice, boggles my mind. Maybe if we change some of the regulations, it would be more feasible for consumers to pay their debts.

Company response to consumer: In progress
Consumer complaint received 05/26/2015 about Debt collection (I do not know) with Certified Recovery Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent them a letter on XXXX XXXX, 2015 asking for validation of the debt per The Fair Debt Collection Practices Act. 
I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan is in default and has been referred to the guarantor. I contacted the guarantor and was told to contact Navient. Navient allowed me to make a payment. I was then instructed to setup auto payments in order to allow Navient to " begin '' working with me. The payment posted to the account after three business days. I called back to setup the online payment and I was told that there was nothing they could do until the account was under so many days past due. So, I was given incorrect instructions from the beginning and led to believe that my account would be brought into a status so that I could get on income based payments. I have a few options left that are not palatable, but I am tired of working and doing what I am told to do and then being told that it is not enough.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My father XXXX and I am receiving a demand notice on his reverse mortgage. The uploaded demand notice from the lender, Champion Mortgage, gives me 30 days to pay in full before they initiate foreclosure. XXXX see options A, B, C, or D ) When I called Champion Mortgage I was told they would give me 75 days to submit my intentions with the property or ask for an extension. When I called, I was told they will not put these options in writing. Instead I get the following what I call scare tactic from Champion Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (DC).
Issue: Deposits and withdrawals

Complaint: cfpb compliant # XXXX Sometime in 2015 a so call, friend, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , Maryland XXXX, ( XXXX ) XXXX illegally and without my authorization apparently withdrew over {$40000.00} from my SunTrust checking account. SunTrust bank allowed this to happen and refused to investigate after my repeated request to do so. Another friend and neighbor, XXXX XXXX on my behalf went to SunTrust Bank several times and requested that they investigate the theft of my funds. I requested SunTrust to forward my checking account statement including copies of all withdrawals. They refused to do so. At no time knowingly did I give XXXX XXXX a financial power of attorney to make withdrawals from my bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Online collection XXXX, never contacted me but instead placed a collection on my credit report XXXX, for a debt I knew nothing about so I contacted experian to check into this ( A DISPUTE ) 3 days later they said it was legit and would stay on my file so I contacted XXXX XXXX at XXXX about account no. XXXX with them. On XXXX it 's acct. No. XXXX. Anyway they said it was a teco bill I owed in XXXX fl. I 've never lived there. But I contacted XXXX and spoke with XXXX I 'd # XXXX he looked and found absolutely nothing but my current acct XXXX and stated if it was legit they would have sent notice to me at the XXXX address. So I called XXXX XXXX back and he said he 'd look into it he determined it was a man I had resided with/ worked for back in the XXXX and early XXXX but said I 'd cosigner for this man. After a few days of working together to figure this out he " determined it was n't legit '' and then proceeded XXXX XXXX XXXX 2015 to say '' 15 minutes after our conversation yestarday the bill was dropped from your experian account '' I asked so it 's removed he said yes I thanked him and hung up. The next day I checked credit carmaker it 's still there so I did a free check on experian it was still there too. So not being sure how long it would take for experian to remove it on thier end I have waited more than 2 months and it is still there. So for 3 days I 've been calling XXXX XXXX and leaving messages but he wo n't return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Approx. 10 yrs. ago, I filed for bankruptcy. During the bankruptcy proceedings I agreed to continue to making payments on a bank loan. I have faithfully made these payments in a timely manner. Recently applied for credit and was denied, because I did not have a " FICO SCORE ''. I contacted the bank and asked why they have n't been reporting my credit history to any of the national credit reporting agencies. Their reply was that they have been. I contacted Experian reporting agency and they claim that they are receiving no info from the bank. Both the bank and XXXX, just have me going in circles. Can you Please help me rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: I hired a freelancer to make a website for me. I paid 50 % of the total price upfront so that they could begin the work. According to XXXX I am protected by PayPal from fraudulent " Sellers who provide services or digital and intangible goods. '' After multiple delays, the freelancer provided me with a terrible first draft of the website. 

XXXX I decided to terminate the business relationship and asked for a partial refund. The seller refused. I asked for PayPal to step in and assist me, they also refused to assist me and decided in favor of the seller. There is no appeal process available or a detailed explanation of how they reached their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (I do not know) with Medical Data Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This. company Medical Data Systems appears on my credit report for {$2400.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

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 03/23/2016 about Bank account or service (Checking account) with Empowerment Ventures, LLC (FL).
Issue: Deposits and withdrawals

Complaint: after filing a complaint with XXXX I have noticed I am not able to get into my account and I have noticed just before this happened that rush card has been taking XXXX out of my account on a daily basic saying its for XXXX i have not used rushcard for such transaction and they have been taking over XXXX out of my account and wont refund it i sent in all doc saying its not me and copies of all info they wanted after 90 days rushcards closed the case and kept my money and now after trying to get to my account they have blocked me from it my social secuirty money goes there and after social secuirty had deposit XXXX for back money owed to me rushcard stole it and is saying they have no record of money going to XXXX i printed the statement before being locked out of my account and now nothing is going to be refunded

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage thru US Bank and have PMI which is supposed to automatically terminate at XXXX % which happens on XXXX XXXX, 2016. Yet they are still requiring PMI for XXXX and just sent me a letter demanding that I prove my home value has n't declined in value and I know this is n't required for automatic termination! Then I spoke to someone in PMI who said that my PMI would be terminated on XXXX XXXX but requiring that I still pay XXXX payment and then they will refund it at the end of XXXX. 

I questioned why I was being told XXXX different things first the letter demanding I prove the home value has n't declined and now that I still need to make a XXXX payment even though my PMI should be terminated XXXX XXXX. He had no real answer nor would he fix the problem. Instead he told me I had to pay PMI for XXXX XXXX and then wait for them to refund me the money! 
Please intervene to make sure my PMI is terminated as of XXXX XXXX, 2016 as I 'm at XXXX % then and have been current on my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 've had an open case with this company for two years and have been in and out of court. The case came to a close when the judge dismissed it. However a few weeks after thw case was dismissed they started garnishing my wages. I have been unable to contact any of the attorney 's at the office, and can not get an answer from anybody in the office.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have written  Portfolio Recovery Associates  several letters asking them to verify and to remove a debt that is not mine. In addition, I asked them to provide me with the original contract between myself and the original creditor. In return, PRA asked me to send them additional information to help them verify the debt. It is not my responsibility to help them verify a debt that is n't mines. PRA does n't have any of the necessary paper work to prove this is my debt, yet they will not remove it from my credit reports and they are still trying to collect this debt. In fact, they have even threatened to sue me. The debt is less than a {$1000.00} and the PRA is located in different state than me. Thus, the cost to hire an out of state lawyer would be much more than the {$800.00} that they claim I owe. This is clearly a scare tactic and this company is violating the FDCPA in several ways.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: It 's over th e 7 yr sta tue but they continue to report that I 've made payments then stopped like a few months ago when I have not made any payment since  XXXX   XXXX  then they put someone else 's debt on my report when I  call I con tinue to be told someone will call me back but never does and when I ask for proof of all theses payments there saying I made I get a run around yet on the credit report there stating it was charged off in  XXXX  when that is not true it was charged off in  XXXX  this account was opened in  XXXX / XXXX / XXXX  and should be removed off all my credit reports by now or this year not  in 2 mo re yrs t

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to Equifax 's gross mishandling of my personal information, a data breach between XX/XX/XXXX and XX/XX/XXXX 2017 has resulted in my name, Social Security number, address, driver 's license number, and credit card number being compromised. This mismanagement is unacceptable. It is now XX/XX/XXXX, and Equifax never notified me of this breach, despite their knowing about it months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I hAve disputes these inquiries with Equifax previously expressed that they are not authorized by me XXXX XXXX. I have multiple lenders pulling multiple reports on multiple days I need these unauthorized inquiries deleted .... 

XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXXXX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX.XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 

XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX I also have a bunch of inquiries from XXXX XXXX and I did not authorized any of them please delete these inquiries ALL of the above are unauthorized inquiries I did not authorized allure above inquiries please have all of them removed

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Yes I want to file a complaint because equifax every time a credit pulls my credit equifax will not generate a report and I am turned down because of their incorrect database showing me non existing. I spoke with their call center in XXXX not XXXX ga they asked to provide a copy of my drivers license social security card and utility bill which I have mailed them in over 8 months ago still they have not added me to their database at age XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with Helvey & Associates (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no idea who these people are. I have never contracted with this company. It's all fraud. A company called Helvey and Associates item # XXXX have been reporting false claims to the credit bureau knowingly that I've never heard of them until my credit report. This company and XXXX XXXX   are both reporting false information to hinder me from obtaining credit. {$130.00} and it appears to be the same items masquerading as accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My landlord and I settled our difference last year. I am still living in same apartment. the investigators from credit bureaus ( equifax XXXX ) go to courthouse and view all public records and make their own interpretations of what is read. My particular case says it is closed and status is settled. The investigator took back to their office that their is an open judgement against me in the amount of XXXX and this was placed on my credit report and caused my scores to drop XXXX points. I have to dispute the validity of this entry and this can cause havic in a person life based on what is going on.The dispute process can take 30 to 45 days. Business deals can be lost because of this erroneous judgement call. There really need to be changes made on how information is provided on an individuals credit report since so much weight is placed on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX XXXX has charged incorrect interest, has changed its rates from Fixed to Variable rates without full disclosure. Then XXXX XXXX changed its servicing name to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Taking out the loan or lease

Complaint: I purchased a XXXX XXXX motorcycle 0n XXXX/XXXX/XXXX. Bank of America provided the financing as before on a previous XXXX purchase which was paid in full after only two years. The scheduled monthly payment was around {$320.00}. I paid however numerous payments of $ XXXX/month and by XXXX of XXXX, my loan was paid down to {$6800.00} from $ XXXX. I was sent overseas but received monthly statements which were forwarded to my neighbor for him to watch over my home and mail. Each B of A statement showed an Amount Due : {$00.00} because I was paid so far in advance. On the XXXX month, I returned home and found a nasty letter from B of A claiming that because I missed XXXX ( XXXX ) payments, They are calling in the loan and my interest rate went from 7.9 % to 29.88 % which tacked on close to {$10000.00} bringing my note to over {$16000.00}. I tried to rectify the problem but when they attempted to repossess the bike from my garage one evening, I was standing there with a shotgun. Needless to say, they failed and I alerted the police to their illegal activities. The collection agency took off and I found out when the XXXX officer came by my home that they had not received a call letting XXXX know they were collecting a debt. B of A is claiming on my XXXX credit reports, different payment dates and number of payments made. XXXX repost shows XXXX payment in XXXX. The other shows all payments made in XXXX. FALSE! The fact is the Charge Off is older than 7 years but B of A is falsifying my credit history and committing Consumer FRAUD! I am going to attach the dispute review so you can see the fraud first hand. 
Please ask B of A to verify ( showing payment proof ) that I made any payment after XXXX of XXXX. There will be a cancelled check as that is the way I paid my bills then. Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation