milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is the second time that Navient, my private student loan company has double charged me for my loans ( XXXX XXXX, 2017. ) My loan is a total of XXXX and to be charged double that is unacceptable. When I call it takes 20 minutes to get me to the correct department and today when I called they told me their wait time was too long and I would have to call back. I currently have a negative amount in my bank account with no idea if this will be put back in my account before I incur overdraft fees. I called last week to ensure my payments were going to be correct and the agent ( on a recorded call ) ensured me I would not be double charged as I noticed I had two bills in my email. She brushed me off through the whole conversation and I am now removing my debit card from their system. Navient has no regard for their " customers '' and NEVER goes to the extra mile to help those in need who have good account status like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted XXXX and Navient as well as the student service board to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However Navient constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Debt collection (Medical) with Firstsource Advantage, LLC ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received collection in my credit report. 
I have insurance with unitedhealthcare which covers 100 %. 
Before my visit they told me that the insurance will cover everything. 

After my visit to the hospital, I received the bill, I contacted the insurance many times, they did not want to fix the problem. They told me to wait. I was waiting. Then I received the collection in my account from the creditorCreditor Contact DetailsFIRSTSOURCE ADVANTAGE XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX AgencyFIRSTSOURCEamount $ XXXXCould you please let me know how to fix this issue? 

Thank youXXXX XXXX-mail XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a negative Derogatory mark on my equafax credit saying I still owe this XXXX XXXX Opened XXXX XXXX 2014 {$89.00} Original creditor : XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. 
Balance {$89.00} Highest Balance {$89.00} Opened XXXX XXXX 2014 ( 3 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX I jave paid this the have bee notified my XXXX XXXX XXXX but it still remains they have be rude and still refused to remove from my report They also say that a investigation will take at least 30 days but probably 90 days I feel tat they are being unreasonable

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The Bureaus, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my XXXX Credit file. The company name is The Bureaus. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now XXXX has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate XXXX and make them aware of these are unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Medical debt) with DIRECMANAGEMENT, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently found a past due debt listed on my XXXX credit report. It was not listed on XXXX or XXXX and as I recall was not listed on my last XXXX report. I contacted the debt collection agency ( Direc Management Inc, XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX ) The debt according to them was for XXXX Hospital in XXXX County AL in the name of XXXX XXXX , DOB XXXX, amount {$320.00}. I have never been to XXXX Hospital as a patient and have never received medical care from them. My name is XXXX XXXX XXXX /DOB XXXX. 
Apparently they have reported a debt incurred by my son ( XXXX XXXX DOB XXXX ) on my credit report. He is an adult and has not lived with me since he was XXXX years old and I am not responsible for his debts and have never agreed with any agency, company or entity to be responsible for his debts. At the time the debt was incurred he was XXXX XXXX XXXX. 
I informed the person at Direc of this and she stated that I was responsible for the debt because he was my son. She maintained this position even after I told her my DOB ( XXXX not XXXX ) and that he was an adult who did live with me and that I was not responsible for any debt he incurred. This is a fraudulent attempt to collect money from a party not responsible for the underlying debt and the use of improper strong arm methods by placing false information on my credit report so as to force me to pay a false debt to protect my credit rating

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with Caliber regarding a loan modification and have submitted all documents in a timely manner. Since XX/XX/XXXX, I have been submitting all documents on time and within a 3-5 day period to ensure there is no time gap in between. I feel it is completely unfair to now tell me on XX/XX/XXXX that the application can no longer be reviewed because the docs were not received 37 days prior to the sale scheduled for XX/XX/XXXX when on XX/XX/XXXX I was requested to send in documents and sent them in within 3 business days. Why even tell me to send in the documents if they were aware they could not review it? Hence wasting my time when I could be preparing for something else. Now I am worried again about the upcoming foreclosure and do not feel I have been provided with alternatives options to save my home. At this point in time, I do not nor have I ever had a designated point of contact through Caliber nor has anyone reached out to me when I became in default to provide options to save my home. I initiated contact and reached out to an attorney to find out my options and feel my rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 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: Account information incorrect

Complaint: Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN XXXX

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

Complaint: I do not know what this account is for or why it is on my credit report. I have never heard of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My FHA home loan was sold from XXXX XXXX XXXX to Nationstar about 2 years ago. During the past 2 years I have repeatedly asked to be provided an itemized list of debits and deposits to my escrow account ( my county property tax, mortage insurance premium and home owners insurance are handled through the escrow account ). I believe I have been overcharged mortgage insurance often times being charged 2 to 3 times a month for mortgage insurance. Suddenly XX/XX/XXXX my MIP decreased from XXXX to XXXX without explanation. Further I have had to demand this information because until about 2 months ago it was not provided on my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Stellar Recovery INC is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collections agency is using fabricated altered documents to validate a debt that they say I owe in the amount of {$4700.00}. I did live at the apartments in XX/XX/2011, but there was never a balance due in the amount being reported on my credit. The documents attached are documents the collections agency forwarded to me to try and prove their case but after reviewing the documents I realized the documents had in fact been altered. I am also planning to have an attorney to review these documents because I feel that what has happened to me concerning this issue has been extremely unfair. The amount they are asking is invalid I never owed the company this much money ever! The documents the collections agency provided had no return address on them, no contact number, and no agents signature from the original creditor, the documents the collections agency provided me as proof is totally invalid and the original creditor has no records of the debt and it farther proves that I never owed this money. The original creditor has never charged this much for any of their apartments. The dates and the amounts are invalid. I do not owe this money and I want it to stop being reported on me credit because it is having a negative effect. When I asked the representative about these documents she told me that she had a signed lease and that 's all she needed and she would list me as a refusal to pay. I told her that I disagreed with the authenticity of the documents and I was not going to send her company any more money concerning this debt. She was rude in all email correspondences she told me that there was no need for me to email her again, and she has been consistent with trying to collect this debt from me. She believes that she can collect this money from me because of the lease I signed in XX/XX/2011 which I did sign but the amounts have been changed they are not the same, and the dates do not match my recollection of the actual lease agreement that was signed. I know what an altered document looks like and the documents she sent me have been altered.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I was charged late fees by my mortgage company after they claims that with my correct bank account number and routing number, they failed to " recognize '' my account. I have received an email confirmation for the payment that the fine was charged on, and yet without another email notifying me that they failed to charge me ( for the same charge that they confirmed! ), they charged me a late fee instead. I sense a borderline fraudulent practice to profit from customers by fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Mortgage debt) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Updated Combined Complaint XXXX Mortgage Fraud Serial Crimes Bullet Point Summary : -XXXX XXXX XXXX XXXX 's XX/XX/XXXX Corporate Collapse Breached to XXXX XXXX  Contract Acct # XXXX with XXXX XXXX XXXX on property XXXX XXXX XXXX Ct XXXX XXXX GA signed XX/XX/XXXX. ( XXXX ) - XX/XX/XXXX file for bankruptcy, XXXX gives permission to XXXX for emergency acct mgt auth to Carrington Mortgage Services. XXXX Collapses -Carrington Mortgage Servicers, ( CMS ) Collected Unconsummatable Breached Contract mortgage payments for 7 years, and concealed true status of Lenders Demise. -Carrington Mortgage Servicers and XXXX XXXX XXXX , Forged Assignment and Transfer to Trust Certificate Series XXXX and Filed Fraudulent Deed Recording Against Real Property. ( XXXX Breached Mortgage Contract ) -Carrington Mortgage Servicers and XXXX XXXX executed a wrongful foreclosure using a Forged and Filed Fraudulently Recorded Deed. -XXXX XXXX collaborates with XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) to execute an CMS insider receivership Bid-Rigged Auction for {$110000.00} on a {$190000.00} home - XXXX executed executes wrongful eviction proceedings in XXXX Magistrate Court case # XXXX for Judgment -I appealed Judgement to Superior Court of proper jurisdiction hearing on my Complaint for Bid-Rigged Real Property Sale , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, hearing date XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm complaining against transunion for their failure to correct my credit report when I have proven to them that they are reporting this public record inaccurately. I am including my letter to them as well as the credit report - page XXXX shows the public records section : RECORDER OF DEEDS XXXX I 'm including the proof that you have the wrong reference # on this account as well as the wrong filing date. I did not receive the requested documentation that proves that you have this account reporting correctly.

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 04/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Billing disputes

Complaint: I made a purchase using my AMEX credit card that went thru my paypal account. The services provided were not provided and I asked the merchant for a refund. The merchant responded that they would provide a refund as soon as possible and did n't follow through. I put the charge in dispute and expected AMEX to credit the charge. Now AMEX is ignoring my documentation and telling me it is up to the merchant to provide me with a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX keeps showing late pays although the information is not verified and they do not show the correct information.

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 10/28/2015 about Debt collection (Payday loan) with Big Picture Loans, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On Friday, XXXX XXXX, I recieved a phone call from a company called XXXX XXXX, XXXX XXXX from XXXX XXXX proceeded to tell me that my husband and I owed over {$5000.00} on a payday loan account from Castle Payday that was originally {$600.00}. 
I asked him to send us a letter for verification and the right to dispute and he told me that his client does not work that way, that I would need to call or go online to verify the information with Castle Payday. In the same conversation, I told him 2 times, my husband is not allowed to receive personal business phone calls at his office and cell phone that is issued by his employer. 
This morning, XXXX XXXX, 2015, he called both work numbers for XXXX, my husband. My husband proceeded to tell him he is not to call either of those numbers again. 
When XXXX asked for the same information in writing, XXXX XXXX told XXXX he sent it 45 days ago?? He told me when I spoke to him on Friday that I would have to do the verification by calling the creditor because they dont send out the letters in writing. Which is statement is true?? 
This company has violated our rights in multiple ways and conitnues to call but we have no notice of our right to dispute in writing. I have given XXXX XXXX the appropriate phone number and mailing address to use in order to contact us.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have 3 personal loans with XXXX Bank. One of my loans I have had since XX/XX/XXXX. I have never missed a payment or have been late with a payment. On XX/XX/XXXX, XXXX charged off my loan without any warning to me and for no specific reason. When I called XXXX to discuss error they told me they 're able to charge off any loan they want at anytime. I did n't sign any contract for these terms. This has greatly effected my credit and XXXX has even taken away certain features of their website from me because they claim I have an account unpaid through them. I have disputed this through Experian and all they did was update status to say " never late '', but it still shows account charged 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 02/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: We heard about the CFPB invesigating the practices of XXXX/Navient. We are one of the complainants concerning XXXX/Navient. 
Our daughter got her student loans through XXXX/Navient. The school that she attended and XXXX did not really talk about the amount of debt that her loan was going to bring upon her. Her total interest rate per month is 27.5 %. When contacting the lender about consolidating her loans. She was told that you had to consolidate your loans within the first two weeks after graduation. Such a short window to consolidate is not right. There should not be a time limit when to consolidate a student loan. 
We have paid over {$61000.00} toward her student loan. But have made little progress in paying off the debt. Her monthly bill is roughly {$620.00} with around {$360.00} in monthly interest after nearly 100 payments. Our daughter has not been able to find a job that can pay enough to cover her student loan. We as parents are nearing retirement and do n't really want to have to take on a consolidation loan in our name. We are not sure of our rights in regards to this matter. We feel that our daughter was misled by her college and XXXX to get her to sign for the loans and for us to co-sign. We should have asked more questions for we were naive in trusting the college and XXXX in that they had the best interest of the students when it came to applying for student loans. In talking to lawyers in the past, they did not want to get involved because it was a private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Student loan (Private student loan) with AES/PHEAA (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: This company is currently servicing two of my private student loans. I have contacted them several times by phone and by email for assistance in repaying my loans. The interest rate has continued to go up and has increased four times in the past twelve months. I can no longer afford the payment as it has increased to over {$500.00} a month and they have done nothing to try to help provide me with relief. I have paid on this loan for over three years and every single payment has gone to interest. I believe that their loan practices have resulted in a violation of the UDAAP as the principal balance of the loan has more than doubled and by the time I have paid it off, it will have quadrupled. The only relief they offer is to service members, and I am only a child of a veteran I have not served myself. Therefore, they will do nothing to assist me. I have contacted them over the past four years so that I could get help before it got to the point where I could no longer afford my monthly payment. They are putting young students in debt that they will not be able to afford to pay back and it needs to end before we have another economical crisis.

Company response to consumer: Closed with explanation