milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On   XXXX   XXXX   XXXX     I requested my loans be enrolled in the  Navient AutoPay sy stem. The request was processed showing the  AutoPay wou ld start for my loans on   XXXX   XXXX   XXXX    . However, this loan payment was not processed and th e Autopay did not take effect. The interest rate was not reduced by the 0.25 % as advertised on the website. I made the   XX/XX/XXXX  payments manually on   XXXX   XXXX   through the website, and called on   XXXX   XXXX   to have the  Autopay service enabled on  XXXX  of  the loans. At this time, I also requested forbearance on the largest loan. I confirmed on   XXXX   XXXX   forbearance on my first loan, Loan number  XXXX  and  Autopay en rollment to start on   XXXX   XXXX   for  XXXX  and  XXXX . I also confirmed  that Autopay wo uld not affect my ability to pay the  XXXX  loans currently in repayment ahead. After receive vocal confirmation of all this I concluded the call. On   XXXX   XXXX   XXXX     I called Navient because I logged into Navient.com and saw my loans were not enrolled in  Autopay.  When I reached a representative on the telephone she told me I requested to put all three loans into forbearance on the website. I told her this was inaccurate and I explained I requested the forbearance f or one loan over the phone. I asked for a supervisor and the representative started backpeddling. I was told to  hold for a supervisor. A supervisor was never brought on the line. However, the representative informed me the  Autopay was started a nd would take effect for    XXXX   XXXX   XXXX     . She informed me I would be able to see this on the website tomorrow because I was not able to see any change on the website. The school loans were received through  XXXX   XXXX  University and University  of    XXXX   University  College.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Portfolio Recovery associates, junk debt collector trying to collect on a debt that was discharged in bankruptcy in 2005.

Calls repeatedly numerous times of the day. Have explained the debt was discharged in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original debt about 12 years old. But every time I complain to XXXX that this debt is too old to be on my credit report, they change the open date. XX/XX/XXXX they changed it to XX/XX/XXXX now it 's at XX/XX/XXXX as the date it was originally opened. However, this debt has been on XXXX report for well over 10 years. I want it removed and the company to stop Lying about the open date.

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 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On   XXXX    , I sent a certified letter to Transunion in order to dispute information, in regard to collection agency on my credit report. They received the letter. On   XXXX   XXXX   XXXX    , I received an updated copy of my credit report stating that  XXXX   XXXX  is verified as accurate and updated. I have never had an account with  XXXX   XXXX . If it is verified an accurate, I would like the documentation that Transunion has that show that this is verified and accurate. As  one  of the largest Credit Reporting companies, TransUnion should be well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a  " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA - TransUnion is required to " ... promptly DELETE all information which can not be verified. ''

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MD).
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: Hello, The 90 days late from Fed Loan Servicing is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a XXXX year sucessuful repayment rehabilitation loan program, Fed Loan sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (AR).
Issue: Account opening, closing, or management

Complaint: PayPal refuses to close my account out or let me speak to anyone higher than a customer service rep to resolve my issue. I have made countless attempts to resolve this with them but they refuse. This is a horrible company that does n't care about its customers. I just want my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Transaction issue

Complaint: I wanted to use my credit card to purchase tickets for the upcoming XXXX XXXX XXXX in XXXX ; tickets were allocated through a lottery when if the lottery was successful the credit card on file would be charged immediately. I notified the bank that the charge would be coming not to reject it ; three days later when the charge came through it was rejected by the bank cancelling my application for tickets automatically so now I lost the tickets I was allocated. My request for processing this information is in their system in my account and still the charge was not processed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen in XX/XX/2016 and as a result, there is an address on my credit report that has never belonged to me. I would like to get this address removed from my credit report : XXXX, KS 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 non-monetary relief
Consumer complaint received 08/24/2016 about Student loan (Federal student loan servicing) with URS Holding, LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ERS took charge of my XXXX loan from XXXX in XXXX. XXXX refused me a deferment even though I was entered into XXXX. All my other student loans have been in deferment. ERS did not make any attempts to collect the debt for over two years, while I was XXXX. They had my permanent address, nothing was sent. After returning in XXXX, I have tried to get some transcripts from XXXX to enter a teacher education program. In the process I learned about ERS and have contacted them multiple times for information. They were unable to tell me when they acquired my debt. Today, on XXXX XXXX XXXX, and I was told that my account was opened with them in XXXX of this year. The school refuses to speak with me about the loan and ERS is giving me misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: I am elderly person that is trying to keep his home, I have tried numerous times to submit a loan modification package, but my mortgage servicer Caliber Home Loans underwriter has made my process impossible. Hiding behind guidelines just to delay my loan modification review. I provided a fully package back on XX/XX/XXXX, then my servicer stated that they need 30 days to review, I was supposed to received an answer on XX/XX/XXXX, but instead the underwriter requested pay stubs for someone that has nothing to do with my mortgage since I provided a quit claim deed. But the underwriter never looked at this. By requesting this he or she was able to go on with the holidays. By the time they figured out that what he or she requested was not needed, 30 more days passed by and I was falling deeper in debts since they are adding all type of fees on top of my mortgage. I went to court again on XX/XX/XXXX and a day before my settlement conference, they underwriter stated that my pay stubs were fraudulent and requested more pay stubs. I went to court with my most recent pay stubs and provided them to the court. The bank attorney did not want to take the pay stubs, but instead to fax them or email them to Caliber Home Loans. I sent my pay stubs to Caliber Home Loans, they told me that it will take 5 to 7 days before these information shows up on their system. By the time they looked at my pay stubs, all my previous documents expired, now I have resubmit a whole new package and I am sinking in debt, now I owed {$61000.00} and requested help 3 months after I failed behind. I can not get a good faith review of my loan modification application and I am caught in this horrible vicious cycle. I am seeking your help, I can not lose my home, it is everything that I have. I beg for your help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Application, originator, mortgage broker

Complaint: I 'm currently refinancing my house from a 5-year ARM to a 15-year fixed conventional mortgage. I have applied to several mortgage lenders to compare rates. Capital One has offered the lowest price, but partly due to a limited time promotional offer of a {$1000.00} credit off closing costs, and this offer has been extended ( per email ). However, the lender has not documented it in the Loan Estimate which they provided on Monday XXXX XXXX based on an application I made on XXXX XXXX. I have twice requested that the lender add this promised non-specific lender credit to the Loan Estimate disclosure but they have refused, stating via email : " I had to get an exception for the extra {$1000.00} since it is no longer in effect so it will not show up on the Loan Estimate. I did get the approval though so it will show up on your new loan docs if you decide to go forward on the loan. " and when further pressed, the loan officer stated : " There would be a redisclosure document that you would receive once the loan is in process. I can not apply the approval until after we have started going forward. " This is quite frustrating because I 'm afraid that later they will not honor their commitment since it was not formally documented in the Loan Estimate disclosure. It appears that Capital One is trying to force me to agree to starting the home appraisal, with its {$450.00} non-refundable fee, to lock me in before officially documenting the lower final closing costs. This also inhibits me from shopping around for the best loan rates since their real/lower quote is lower than the one that they are willing to disclose and legally document.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: I feel the {$10.00} fee to freeze my credit report with experian is unjust and amounts to extortion. I never signed any agreement with this company to give them power over my credit, yet they yield the power to wreak havoc in my life by enabling identity thieves. It should not cost me a penny to protect myself from this, and other credit companies.

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 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX Credit Management LP XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Re : Dispute of Collections Action To Whom It May Concern : I received an alert of my credit report change and found the following errors. See the attached copy of my account alert. 


Reason for dispute : I have had no interaction with your company and do n't owe you anything. 

I am hereby requesting that you confirm the fact that I owe any debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. 

Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

Your next contact with me should be to either notify that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. 

If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the original application, bills, records of communications and payments, name/extension/phone number of person whom assisted you to verify said debt, and any other data that indicates my responsibility. 

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

Please acknowledge that you have received this notice within 14 days. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX inquires listed on my credit file multiple disputes submitted no investigation done by Transunion XXXX inquiries remain and lowering my credit score Transunion refuses to take action even after multiple letters sent warning of legal action to follow

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 11-04-2016 about Credit card () with PNC Bank N.A. (NJ).
Issue: Rewards

Complaint: This complaint is against PNC bank ( XXXX ) and visa checkout ( XXXX ). Not sure who is responsible for the problem. A visa checkout offer of {$10.00} statement credit appeared on PNC bank website in early XXXX 2016. The offer was if you spent {$10.00} or more and use the visa checkout when checking out you will get statement credit of XXXX The original offer is no longer on PNC website but I got the information from internet. 
See attachment PNC Bank and Visa Checkout {$10.00} Credit Offer. 
XXXX XXXX I have called PNC bank and Visa checkout several times but going around in circles.. After calling PNC bank they told me that though the offer was on their website but the offer was from XXXX Checkout and they are responsible for the credit. Then I called visa checkout and they told me to wait for 90 days after the offer expired which was XXXX XXXX, 2016. When I called them in early XXXX nothing happened and they told me they will look into it. When I called again a few days later they told me to contact PNC bank again since it was on their website. It has been going in circles for almost 4 months and there is no statement credit so far. PNC Bank telling me to call Visa Checkout and Visa Checkout telling me to call PNC Bank. 
There are following additional attachments ( Documents ) in support of the complaint : 1. Visa Enrollment-XXXX ( PNC Bank credit card XXXX enrolled for Visa Checkout ) 2. XXXX ( Enrolled card used using XXXX XXXX XXXX for {$13.00} ) 3. PNC Bank Statement-XXXX ( showing amount of {$13.00} )

Company response to consumer: Closed
Consumer complaint received 09-09-2015 about Debt collection (I do not know) with Check Security Associates, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX XXXX from Warner Asset Location Services ' Legal Department called me looking for my ex sister-in-law, stating that there was a complaint filed against her and XXXX wanted to help my ex sister in law defend herself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX, Bank : Nation Star Mr. Cooper. Loan : XXXX On XXXX Trial period Flex Modification Program- First step qualifying for Permanent loam modification. 
1st payment {$1900.00} Made in XX/XX/XXXX 2nd payment {$1900.00} Made a Incorrect payment for {$2400.00} in XX/XX/XXXX Payment was put on hold. The bank called to confirm the payment was okay. 
The payment was not apply to mortgage. 
Please Help me ... ... ... ... ... ... ... ... ... ... .... 
Please Help me ... ... ... ... ... ... ... ... ... ... ... Nation In XX/XX/XXXX WAS TOLD MY HOUSE IN FORECLOSURE- Due non payment. 
The law firm XXXX XXXX XXXX XXXX dated XX/XX/XXXX for {$170000.00} Debt Collector I called Customer Service XXXX XXXX 3rd payment {$1900.00} to paid on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this company LVNV Funding bought a debt from XXXX on an account that i never opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax failed to Block fraudulent information on my consumer credit report that is being reported as a result of identity theft. Per XXXX XXXX XXXX ( a ) I have mailed Equifax a dispute on XXXX XXXX, 2016 about fraudulent accounts being reported on my consumer report attached with my dispute i attached my police report and FTC fraud affidavit and Equifax did not comply with XXXX ( a ) despite telephone calls and electronic communications about the fraudulent accounts being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Student loan (Non-federal student loan) with Automated Collection Services, Inc. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Attended XXXX College Success Program resulting in student loans of about 12k beginning in XXXX. Unable to secure meaningful full time employment, loans were in deferment XXXX balance about 15k with XXXX. This repeated until default after American Student Financial (? ) assumed loans without my knowledge. XXXX ACSI ( Automated Collection Services Inc. ) Contacted me. I immediately arranged payments for {$130.00} a month, {$500.00} down initially, for nine months. They refused to do business other than by phone despite a website and multiple mailing address. They sent screen print copies of my payment and their purchase of my debt for about 25k. They are claiming a new balance over $ 32k despite my payments. Repeated requests for itemized billing has been unsuccessful. Tried to resolve through XXXX, XXXX. Have not received any more return correspondence since XXXX closed case as unsatisfactory status.

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