milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am still in school and currently taking classes at the University XXXX for my XXXX. Apparently this past XXXX student loan payments were posted for me to start paying. However, they sent them to an old email that I do not have the password to anymore. I never received any phone calls or letters. NAVIENT posted my loans as delinquent in XX/XX/XXXX ( while I was an active student at XXXX College ). The only reason I found out about my loan payments was because XXXX XXXX emailed me that my credit had dropped dramatically from a XXXX to a XXXX. I am an XXXX student working full time up to XXXX hours a week at a XXXX. I am hoping this issue can be resolved because NAVIENT claims that they can not reverse the credit damage even after putting them into deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I received a settlement letter for a debt of XXXX from XXXX on behalf of XXXX XXXX the letter said I could settle my debt by paying them XXXX. By paying this amount XXXX would close the account and contact the 3 credit Bureaus and remove the negative collections from my record informing them this had been settle. After that I notice the negative collection was removed. So I was happy about this.. 

XX/XX/XXXX rolls around and I see the same account with now an amount of XXXX posted to my credit report as an open account with XXXX XXXX in collections. 

I reach out to the XXXX number on my letter and the woman on the Phone says that they are no longer XXXX they are now call resurgent capital out of XXXX SC. I went ahead and told her that I notice a closed account that I had remove from my credit report was now showing back on the credit report. I informed her of my settlement with XXXX and provided her with a confirmation. She went on to say that they bought these debts account from XXXX and that although my account was settle with XXXX on behalf of XXXX XXXX that in their record my account was still showing open so they reported back to the credit bureau and that they could not help me in removing this negative collection from my records. I ask how could they buy closed accounts that were settle at one company and try to recollect additional money from the consumer. She had no answer and informed me that her company does not remove settle collections from the credit bureau even if they are settle. Why would I be told that this was to be removed by XXXX then remove from my credit report to be sold to another company and reprocess again as bad debt. How are these companies allowed to do this. And how is the credit bureau protecting the consumer from such fraudulent processes. This is fraud in so many levels. I believe this should be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This was discharged in bk. They have left an open account without any creditor information or balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been taken to court ( 3 appearances since XXXX XXXX ) by Blitt and Gaines PC on behalf of a XXXX XXXX. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )

Company response to consumer: Closed
Consumer complaint received 03-01-2016 about Debt collection (Credit card) with CL HOLDINGS LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is in reference to XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX a Debt Collector who sent Payment Rewards Program offer for credit card but did not provide Debt Validation notice. Also no indication if this payment rewards program reset the clock on a charge off debt. 
On the back of the offer it indicates that the Program has a satisfaction guarantee. " If you begin the Program by making your first timely payments and subsequently decide that you do not want to continue the Program, you may end your participation and receive a full refund of all payments that you have made towards the Program Balance '' However under that same " Program Satisfaction Guarantee '' ( XXXX ) XXXX XXXX reserves the right to collect the Program Balance and you will responsible for making payments on the Program Balance. 
Would n't the consumer need notification that the payments start the clock over on charge off debt? 

On the from of the offer " Details on the XXXX credit card, including applicable rates, fees and terms for new purchases and cash advances, are available upon request and will be sent to you after you have successfully completed your payments. '' The consumer is required to fill out information on the bottom of the page, including what appears to be a waiver " I further agree that no such electronic communications will be deemed unsolicited. '' Is this not an offer without the consumer be informed of all the terms of the offer? 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: There are several items which are unknown and several which are past the statute of limitations. I have disputed these several times with no outcome. Please help XXXX XXXX XXXX XXXX Past the statute and unverifiable - Remove XXXX XXXX XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX XXXX - Past the statute - Remove XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX # XXXX - DUPLICATE AND INACCURATE REMOVE XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE

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 04-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XXXX, XXXX, I addressed Ocwen Loan Servicing , LLC with my concerns regarding the incorrect paid year to date escrow balance on my monthly statement. I went through month 's of unnecessary XXXX and back and forth with Ocwen and their attorney 's about my concerns. I was advised that there was a flaw with the paid year to date escrow infrastructure of my statement. In several emails I was assured by Ocwen 's attorney that this flaw would be fixed. However, in XXXX, XXXX, I made an additional escrow payment for {$200.00}, and it was applied incorrectly. 

Once again, I contacted Ocwen 's customer service, escalation department, and the research department about this matter. I was told the XXXX, XXXX, additional escrow payment was reversed, and would reflect correctly on my XXXX, XXXX, statement. However, when I called to follow up I was given several different answers, and to date nothing has been corrected on my statement. I have had enough of Ocwen and their run around explanations. Ocwen needs to do better and be held accountable for their ongoing careless mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Enhanced Recovery Corp. reported a debt in the amount of {$220.00} on behalf of XXXX XXXX XXXX to the XXXX major Credit Bureaus ( XXXX, XXXX, XXXX ). I paid the amount ; however, the delinquency date reported is inaccurate and is affecting my credit score immensely. Enhanced Recovery Corp. is refusing to correct this since they 've already been paid. 

Prior to Enhanced Recovery Corp. a different collection agency was contracted by XXXX XXXX to collect. This debt has been moved around by numerous collection Agencies. The year of delinquency should be 2013.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-12-2015 about Prepaid card (General purpose card) with HSBC NORTH AMERICA HOLDINGS INC. (HI).
Issue: Managing, opening, or closing account

Complaint: I applied and received a secured credit card from " HSBC BANK '', around XXXX, XXXX. After Closing account by phone notification, and offsetting credit balance by sufficient security funds held by HSBC BANK I deposited for the credit card, HSBC BANK continued to accrue interest and penalties against my credit balance. Years later, I discovered on my credit report an outstanding balance reported by HSBC BANK, and sold to other collection companies to perpetuate an updated date of debt beyond the 7 year limit of the law ( XXXX to XXXX ). I do not owe any principle balance or interest/penalties created by HSBC BANK or collectors that I resolved upon cancelling this credit card. My security more than offset any outstanding balance

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Can't stop charges to bank account

Complaint: Needed some extra XXXX money.I applied for a {$200.00} online to Castle payday.They wanted {$100.00} a month for 9 months.I refused to pay {$900.00} for a {$200.00} loan! 5min. later a lady calls me and said why did '' nt you want the loan? I told her I '' m not paying {$900.00} for a {$200.00} loan.She tells me she can cut my payments down 4 payments of $ XXXX.I said okay.What I later found out, she gave me the same deal I did '' nt want.I had to change my bank account so they could '' nt take out anymore money.Castle payday is nothing but a " rob you in plain sight '' company!! Nobody wants to deal with a company that lies to you and robs your bank account!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got my annual free credit check and when I look on there I seen XXXX address that are not mine, also it was a name that I did n't recognize on my credit check too, I would to investigate any fraud accounts in my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 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: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, XXXX my credit report was used without my consent from XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Synchrony Bank opened a credit card on behalf of Walmart without proper identification and authorization.

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 12/19/2016 about Debt collection (Auto) with Booth & McCarthy (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My check was garnished. It was overpaid. Company stated the funds would be returned to my employer. Instead, it was processed. Company is now refusing to refund my overpayment in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: When I was with XXXX XXXX I opted out of overdraft service so that if I did n't have funds available they would decline my transactions. They were purchased by US Bank and I was told everything had transferred over as identical. Today I found out that instead of declining transactions they put them through and overdrafted me - I tried to find on their site the location where it lists that I have it set up to decline, and not only can I not find that like I could with XXXX XXXX but it does n't even appear to be an option - I can either set it up or do nothing - but I am not allowed to opt out so the transaction will decline. Are n't they legally required to follow a customers wishes when they opt out of this and want their transactions declined? They appear to be purposefully stalling the transactions and they delay sending me my text notifications so as to make the transactions hit because I checked before I went shopping and there was enough to cover then suddenly there was n't - the only explanation is they are n't posting all the pending transactions, just the XXXX they feel like posting.

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 03/30/2017 about Debt collection (Medical) with Strategic Alliances, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have sent repeated documents and police reports to this company showing that I do not owe this debt because my identity was stolen and they still are reporting this debt to my XXXX credit report. I want it removed immediately. This is identity theft and they can not even validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Trouble during payment process

Complaint: " Due to hurricane IRMA on XXXX XXXX, XXXX, we submitted an insurance claim for damaged and lost personal property. The insurance company made the check payable to us and Roundpoint Mortgage Servicing Company, NMLS ID # XXXX. We sent this check in the amount of {$3700.00} to them on XXXX/XXXX/XXXX for their endorsement and return but still have not received this check back. I try calling them and their phone system keeps dropping the calls. I e-mailed them with no response to date. We are trying to replace personal property and can not do this until we get the funds returned. It should n't take this long as their mortgage does not encumber personal property. This was explained to them in my transmittal letter sent with the check. It is making me nervous that they are unable to be contacted nor do they respond to my e-mails. '' This is the original complaint. We originally sent them the statement of loss from the insurance company on XXXX XXXX, XXXX which identified the payment for loss as " contents '' and also more recently the personal property inventory listing. Continue to have difficulty getting through on their phone system, no response to e-mails or messages left on their website and " Chat '' representative could n't help. Still have n't received our insurance proceeds.

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 05-04-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Condo was returned to BofA in Chapter XXXX BK discharged XXXX XXXX, 2013. XXXX XXXX bought a pachage of properties from BofA has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by 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 05/13/2015 about Debt collection (Federal student loan) with MOHELA (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have repeatedly requested MOHELA to stop calling me on my cell phone and to stop calling me at my work. I also sent them an email asking them to cease and desist this harassment. MOHELA continues to do both many times every week and their calls always start with " This is MOHELA calling ... ". My coworkers often answer the phone and they have complained to me about this. I am afraid management will be soon talking to me about these distracting phone calls. But I have never, not once, told anyone at work about my student loan situation. But now they all know because all they have to do is look up the name MOHELA on the internet. And now my company and coworkers know of my situation. This is having a very demoralizing effect on me. Also, I had a XXXX of years ago and my XXXX is in a XXXX. ( MOHELA has been informed of my health condition ). This kind of XXXX is definitely not good for my health. My feeling of well-being is at its lowest ever. If I could repay my student loans, I would do so immediately. But I have been living at the poverty level for more that XXXX years now. Finally, I must say that taking out student loans is the worst decision I have ever made. But back then I did not fully realize what I was doing. I do not wish this kind of bad situation on anyone and would advise anyone to not take out these kind of loans unless they are completely sure they will get a job that pays enough for them to pay back the loans. The student loan program should be completely canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (I do not know) with Capio Partners, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from this company telling me that I owe them a debt. I have never done business with this company not have they ever provided me a service nor goods

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Reference to Case number : XXXX Account Details Creditor Contact Commonwealth financial XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Account Name COMNWLTH FIN Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$630.00} Original Balance {$630.00} Status XXXX Original Creditor Opened XXXX/XXXX/2016 Remarks Placed for collection Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base. 
How did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to look at the COMMON WEALTH FINANCIAL contact address on the above information from my credit report to confirm my compliant genuiness. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Late fee

Complaint: I called about fee on my accounts. The XXXX Reps said they were unable to help me with my account. XXXX fee of XXXX and XXXX fee of XXXX dollars. 

I would like for both charges to be refunded of XXXX and XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX of the addresses listed on my credit report XXXX XXXX XXXX XXXX is incorrect. I have never lived on XXXX XXXX XXXX XXXX XXXX, Md. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AZ).
Issue: Other service problem

Complaint: the account is locked because I can not remember a phone number I had 3 years ago. I have tried MANY times to email them and they do NOT respond ( A common problem with them ).

Company response to consumer: Closed with explanation