milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient is over charging me on payments for my student loan. When I initially signed up for this loan in college I was super uneducated about the simulations of obtaining a private loan. My grandmother was n't computer savvy and I should of just read more. We have been harassed over the years and the payments have increased. I know for a fact that I 'll be making these payments until the day I die. I work within the XXXX field but I also think there are simulations on whether or not I qualify for the Loan Forgiveness Program. There has to be a solution for my problem. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: There is a XXXX credit card open in my name that I never applied for and other inquires that I never applied for showing up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2018 about Student loan (Federal student loan servicing) with National Enterprise Systems, Inc. (KS).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: National Enterprises System has been calling me multiple times a day and even called a distant relative in another state looking for me. I want nothing to do with them and my student loan debt. They cal from different phone numbers and sometimes unknown numbers, but all the calls are the same company.

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 05/26/2017 about Debt collection (Other debt) with M. G. Credit, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: M.G. Credit is attempting to collect on a debt that was dismissed by   XXXX   County Courts   per the petitioner for the debt. The monies allegedly owed are also being reported on my credit reports as well. Document clearly show PLAINTIFF ASK THE COURT TO DISMISS, WITHOUT PREJUDICE PLANTIFFS COMPLAINT FOR EVICTION AND DAMAGES, PURSUANT TO RULE 7.110 ( A ) ( 1 ), FLORIDA RULES OF SUMMERY PROCEDURE, FILED AGAINST THE DEFENDANT,   XXXX   XXXX   XXXX  , Signed by   XXXX   XXXX   XXXX   XXXX   and list his name address and phone number. I am uncertain why this debt is still being requested in addition to being reported on my credit reports with  XXXX ,   XXXX    and  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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On X/XX/17 I sent XXXX XXXX XXXX XXXX, Transunion LLC and XXXX a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On X/XX/17 I received a response that XXXX XXXX had provided verification this information was correct. Prior to me sending a letter to XXXX, Transunion and XXXX, I froze my account with XXXX XXXX and have a letter verifying this was done, so there would not have been a way for XXXX, Transunion or XXXX to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from my XXXX, Transunion and XXXX credit file permanently.

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 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Afni stating that I owed {$34.00} due to the service at XXXX. I have NEVER ever signed up for phone services with XXXX nor did I ever sign up for any of their other services they offer. I looked up XXXX number on their website and contacted them. After looking through their system and not being able to find my name, number, or social security in their system, they filed a dispute. The next week, I received a letter stating they did their investigation and found I am responsible for the amount owed. I called them back again and placed another dispute. They sent me a bunch of papers the next couple days asking for my gas utilities bills, social security card, passport, license, and all sorts of information to prove. I have not contacted them since. It looks they are backtracking to get someone to pay for the amount since they ca n't find the person who signed up for this service and they found a person ( me ) that called so they are trying to hold me responsible when I never had a relationship with XXXX. This is harassment and I do not trust them with all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: ONXX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL XXXX BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OFXX/XX/XXXX THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ONXX/XX/XXXXTO BE REMOVED.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX  appears on my credit-report ;  Requesting the inquiry be deleted. Already removed from my Exqufax credit-report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: A lady by the name of XXXX XXXX fron XXXX, 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 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 01/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I was checking my credit report and noticed a " new '' collection account had been added that adversely affected my score. The collection Company listed  is Midwest Recovery. Listing   XXXX   XXXX   XXXX  ( there are no locations in Colorado  ) as th e original debtor. First red flag. I proceeded to call them and find out what is was they could not find any collection under my name. They asked of I used another name and I gave that to them. They found the account. They proceeded to tell me that the account was from  XXXX   XXXX . Second red flag. I have not used my previous name since late  XXXX . Which means this collection is older then  XXXX  and was most likely part of my bankruptcy filed and discharged under my former name in  XXXX . I am looking to have these collections " fully removed '' from my credit reports not just closed. I have also found out th at Midwest Recovery is not licensed to do business in Colorado and believe they either bought this debt without checking the pap erwork or are trying to resurrect it. Please advise. I have filed a complaint with the Attorney General 's Office here in Colorado and they are investigating. When I advised the person at Midwest I was going to file a complaint with the Attorney General they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Dovenmuehle Mortgage, Inc. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: 4th request, XXXX XXXX XXXX or now called Dovenmuehle Mortgage, has been asked numerous times to fix my XXXX credit report and make it consistent with the other XXXX credit agencies. They fix it, then they change it, and again they 've done one more time ... .I do n't like the vindictive games they play. These games have forced me to unfairly pay real money for a higher rate on my new mortgage. I 've asked them 50 plus times to fixed this, most recently, on XXXX/XXXX/XXXX, I asked that they once again remove the FLASE sentence " Settled - Less than full balance. '' I 've been dealing with this since the closing back in XXXX ... Now almost two years later they still are power play games with the information. You helped to finally make progress on the matter, but they still have not taken your words seriously enough. I am submitting another request because they now have once again made the credit report worse by wrongly adding in late payments as illustrated in my XXXX/XXXX/XXXX XXXX Credit Report, which is now worse than the report on XXXX/XXXX/XXXX. I do n't want to force the issue of fines and penalties ' on XXXX but sincerely they 've cost me real money by the not taking the matter of correcting my report seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I was double billed for a Hotel Night stay by the hotel and the booking agent. I disputed the hotel charge and if Capitol One credit card company did as instructed, it would have eventually worked out. Their interference without my instructions only made the problem worse. If I understand the procedure, I the client am right until the Vendor proves otherwise.
Attached is my last correspondence with Capital One without acknowledgement that they received it.
I believe their procedures should be reviewed and phone communication does not seem to work. Plus extremely time consuming

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Prepaid card (Gift or merchant card) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing, opening, or closing account

Complaint: i found aTDBANK gift card debit that expired and ca n't get aresponse from the bank as to its value at the present time

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I literally have Credit inquires and have no idea where they came from.

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 10/20/2015 about Credit reporting () with Credit Karma, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Well I have a account with Credit Karma and before I was able to register my account a series of validation questions appeared stating that if I did or not have a mortgage loan in XXXX of 2010 and asking me what my loan amount was which for the record I have never owned a house bought a car or took out a mortgage also the next question was what was the company that I took out a auto loan / lease. Can you please remove these incorrect items from my credit file because it is wrong

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (UT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I had opened an Amazon Store Card which is affiliated with Synchrony Banking. I had paid my balance in full, with a phone payment that went through, which did not reflect on my account until days later. I had thought it did not go through, so I did another payment of online-where I then put the wrong acct number. So the online payment never went through due to my mistake ( so no money was taken out ) but for the phone payment it did go through. My account then showed I double paid, before I knew the online payment adjusted. So I called and asked for a refund for one payment. When I received the refund, my credit account showed I never paid due to the online payment. So then I refunded the check, paid it back. It shows clearly on my bank statement when it was taken out. Now for about 6 months, Amazon sync banking keeps saying to send it statements. Every statement I have sent they keep saying we ca n't see it, it 's black, it 's reversed. ( I am having the bank send these + XXXX XXXX, so I would assume after the 5th statement they 'd see it ) after investigating, they KEEP saying my bank never returned the funds to me. I called my bank, asked them about this refund they talk about, they said I have made a payment and they have never returned anything. My bank has also sent a letterhead statement plus a letter saying the payment has gone through. STILL to this day, the company keeps telling me I 'm okay, while others say I owe back, and I am running in loops. I talk now only to the supervisors. My credit was at 720, now it is to a 570 score. This is ridiculous, I explained the situation multiple times and now they keep telling me I owe them as sync banking says they 're still investigating.

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 10/13/2017 about Debt collection (Auto debt) with TD BANK US HOLDING COMPANY (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Received a letter in the mail from XXXX, XXXX XXXX XXXX offering a 65 % {$7400.00} settlement for a XXXX XXXX XXXXrom XXXX. On XXXX/XXXX/XXXX, I and my XXXX XXXX called and spoke with XXXX XXXX of XXXX and offered a settlement amount of {$2200.00} and she stated she would have to contact TD auto finance to get approval for that offer. My XXXX XXXX and I attempted to call TD auto finance directly to negotiate settlement with them ; spoke with XXXX XXXX and she stated that she could not negotiate settlements because the debt was under contract with XXXX and no one could speak with us concerning the account. By XXXX there was no follow up called to myself or my financial XXXX. XXXX was called on XXXX by my XXXX XXXX to follow up on the initial request and there has been no response from TD Auto Finance. My XXXX XXXX then proceeded to request for a XXXX cancellation of debt and she spoke with a supervisor, XXXX XXXX, and XXXX stated that she would let TD Auto Finance know of the request for the XXXX C and also try to follow up with a response for the initial settlement offer. XXXX was informed that I could pay the settlement offer of {$2200.00} immediately but has not received permission from TD Auto Finance to accept the payment. I called today on XXXX to follow up and stilXXXX XXXX has not heard back from TD Auto Finance. XXXX XXXXlso could not submit proof or documentation that a Right to Cure letter was sent to me, I did not know that I was able to negotiate any settlement before the XXXX was XXXX. I or my XXXX XXXX have contacted the collection agency XXXX on 3 different occasions to settle the debt but have been unsuccessful due to no response from TD Auto Finance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX-XX/XX/XXXX -fraudulent XXXX XXXX XXXX-XX/XX/XXXX-fraudulent XXXX XXXX-XX/XX/XXXX-fraudulent XXXX XXXX XXXX-XX/XX/XXXX-wrong in formation never late account in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Have been trying to cancel my monthly subscription with Experian ( https : //www.experian.com/ ) credit reporting. It's been over 4 months they have not cancelled or responded back over cancelling membership. 

I have emailed them couple of times. Called company a lot times. 
They tend to keep on hold people for cancelling subscription and never pick up or respond back. 
I was able to get in touch one time with representative but they did not cancel subscription and dropped call while in between. 

At first I thought this was because of huge traffic. After a little bit of research I found that it's the problem with everyone. Company Experian does not entertain cancelling membership subscription XXXX XXXX XXXX Complaint against experian can be found here

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I show that all credit reporting companies are putting the credit run by my existing accounts to verify credit if it get increased or there normal check up shows up like i asked for a new account. 
I have had my loan for home be bought out 3 times now. I show XXXXr on my account now twice that is normal because they purchased the loan that is not me checking for new credit. It was XXXX now XXXX XXXX that has my morgage, Experian : It was run on XXXX/XXXX/XXXX and XXXX XXXX so that is normal for a home lender. Please tell them i should not have this against me. 

Also i have XXXX XXXX XXXX account i have had a long time. They moved over my accounts and merged the total on some to increase XXXX card that i use to higher total. I now have XXXX XXXX XXXX on their too. XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. Existing accounts. 

XXXX XXXX - I have no clue who this is but i have a feeling since it is the same date as XXXX XXXX this is the same thing on my file showing pulled credit. 

XXXX XXXX These are the same people and i do n't recall them asking to pull credit. 

Who is this and i have no clue who it is? XXXX XXXX : They have the exact stuff XXXX XXXX and XXXX XXXX XXXX please resolve and take off.

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 02-10-2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: debts are still reporting in the credit file. however, debts were paid back 2013 as part of settlement.

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