milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX, the original creditor of XXXX credit card sold an " unknown '' old debt to a debt collector XXXX XXXX  XXXX XXXX ( https : //www.portfoliorecovery.com/ ). I closed this account in XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called XXXX card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

Portfolio turned it over the XXXX XXXX XXXX XXXX XXXX  located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for Portfolio Recovery , Associates and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. Portfolio recovery sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XXXX and all of a sudden they called me early this yearXX/XX/XXXX to tell me that I owe them. After 5 years??

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The are several inquires on my credit report that does not belong to me. Wrote letters to all the entities that requested my credit illegally without my written consent and permissible purpose on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Advised them to provide evidence of permissle purpose and my signed written consent to me. They never responded to my three request. The inquiries in question are : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX & XX/XX/XXXX &XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/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 09/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: XXXX XXXX ( formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) defrauded and misled me into believing the school had a high graduation rate and was regionally and nationally accredited with the U.S. Department of Education. I attended from XX/XX/XXXX until around XX/XX/XXXX. They misled me to believe their credits could be transferred to any 2-year or 4-year college or university in the region, which I sadly discovered not be true. Financial aid advisors and program advisors continuously persuaded me to register for classes and sign for very high loans for at least three quarters. They did this even when I showed inability to pay the loan debts and even when I was not passing all of their courses. I was always advised to sign for these loans without reading the loan agreements and promissory notes. I was always rushed. They even went as far as having me sign a recourse loan with the school, just to allow XXXX XXXX ( now Navient ) to disburse more funds to their school. Over the years, these loans both federal and private, have negatively affected my credit report and scores, I have defaulted on some of the federal loans, I am currently not eligible for FAFSA grants due to those defaults, and I have also had my wages garnished because I was unable to pay on time. It has been over ten years and I still have high loan balances, both federal and private. My outstanding private loan balance is {$21000.00}, still accruing interest. XXXX XXXX ( formerly XXXX XXXX ) has denied and ignored every direct and indirect request made for copies of official and unofficial transcripts. I highly believe their practices were unethical and illegal. They preyed on me and many other young adults and for myself, this fraud has ruined me financially. I 'm still paying for it to this day and I have nothing to show for my XXXX dollars of debt. I was misled and lied to by this for profit institution. And now, XXXX XXXX ( formerly XXXX XXXX ) have closed their doors to new students. The school is no longer in business. Based on their fraud and predatory actions, I am seeking all the loans be discharged and reimbursement for payments made both voluntarily and involuntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: in XX/XX/XXXX I filed for bankruptcy due to medical conditions. I was in meeting with the U.S. district attorney where I was informed that I was eligible for up to 5 years of hardship/medical deferment before they can look at a possible discharge. Since that date I have made sure to renew my hardship deferment status each year. I registered all of my loans in XX/XX/XXXX for hardship deferment and was granted it. According to the Student loan data base this loan was placed in repayment status on XX/XX/XXXX by American Education Services ( further referred to as AES ) removed one of my loans from deferment and placed it in payment status. I was not notified. I received a phone call from a collection agency stating that AES had placed this loan in default on XX/XX/XXXX. At this time All of the other 7 loans are in hardship deferment but when I tried to discuss this with the individuals I spoke to in their customer service division they stated that I would need to pay the entire {$31000.00} now. I have 5 different XXXX XXXX and XXXX XXXX children. My medication alone is $ 300-400 per month and I have to pay for child care for my children during the summer that I have to save for during the school year. I do not qualify for any state assistance as I am a XXXX XXXX. I 'm trying to work as long as I can and have been an employee in XXXX XXXX my entire career. I barely make enough to take care of my kids and I am struggling to pay for my medications. This company has never worked with me in the past and how, when I have 8 open federal loan accts, how are 7 in deferment and in good standing and this 1 not be? 

I need help dealing with this company because they have yet to work with me in getting thing situated. This loan should not be in default. It is supposed to be on hardship deferment until XX/XX/XXXX. I know that is n't that far away but this should n't get this far to begin with. 
Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I earned a XXXX XXXX XXXX in XX/XX/XXXX and a XXXX in XX/XX/XXXX, after which I had more than a {$100000.00} in student loan debt ( my XXXX loans had long-since been paid off ). For 10 years while XXXX at a XXXX XXXX, I made my income-based repayments, submitting the paperwork each year to keep my payments manageable. Without the income-based provisions, my payments would have been approximately {$1200.00}, almost half of my net income. My loans were first serviced by XXXX XXXX, which they transferred to Navient beginning in XX/XX/XXXX. Each year with my income-based renewal paperwork, I submitted a letter inquiring about the Public Service Loan Forgiveness program. Each time I was simply told that I could not apply until I had been making payments for 10 years. After a year of service through Navient and reaching the 10-year mark, in the spring of XX/XX/XXXX, I applied for loan forgiveness using their online form. It was only when I received a denial of forgiveness letter telling me that I was ineligible that I learned I was consolidated under the wrong program. I had never been told that I had to have my loans consolidated with the Federal Student Loan program. The consolidation under the correct program is now complete, though that has been problematic because I have had conversations with both the StudentLoans.gov office and Navient, with differing responses about what my new payments will be ( although, at least I was given a forbearance while the loans were processed ). However, the one consistency has been that my 10 years of payments have mattered not, that I will have to pay for another 10 years before I am eligible for forgiveness. Because I am not able to make a dent in the principle, my student loan balance is now over {$120000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Payday loan () with ACE CASH EXPRESS, INC. (VA).
Issue: Charged bank acct wrong day or amt

Complaint: This is a payday loan that I do not remember taking out from back in 2003. I received a phone call stating they were NOT a collection agency that they were sending the information over to swear out a warrant in debt against me for XXXX if paid today or XXXX if not paid today. I have not received any notification for this debt in over 12 years but I remained in the same area. I asked for information about the debt the first gentleman ( rudely ) suggested that I had this money wired to my bank account and presented a check on an account that was closed. This is not the case as they verify that accounts are open prior to giving funds to anyone. Further when I asked for the location or information about the original creditor I was provided with my maiden last name, a last four digits of an account and routing number that supposedly belonged to me and the year of 2003 but no real information pertaining to the creditor. The did give me Ace Check Express but could not provide me with the city, state, store number or circumstances around the attempts to collect the debt. Further, I told them that I was in a Chapter XXXX Bankruptcy and that they would have to wait until I contact my attorney because all debts that were on my credit report were placed under the bankruptcy. I was told specifically that they are not affected by my bankruptcy because intentionally do not report to the credit bureaus for that reason alone. This is unfair to me as a consumer and I would like this investigated. They are defrauding the bankruptcy system and it should not be allowed. Further their collection efforts were weak and non existent over a 12 year period where I was in a high visibility job and in the area. XXXX is the number I was contacted by and now I feel as if I am being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MN).
Issue: Trouble during payment process

Complaint: LoanCare is not mailing periodic statements for months, at least since XX/XX/XXXX but I believe longer. Nor have I received my year end tax forms ( this may still be excusable given the proximity to XX/XX/XXXX ). I have  verified online that they have the correct address for me. I have verified I am not enrolled in online statements. I contacted them via their contact us feature on their website XX/XX/XXXX and their only response is below. I have tried to call during business hours and are repeatedly disconnected by their phone system with a message that it is not during their business hours ( I am calling after XXXX EST ). I expect paper statements mailed to me and I expect a refund of the fees I am paying them for online/phone payments when I don't have a statement to mail in with a payment. I get that as a borrower I do not get to select my servicer but I expect they comply with federal requirements to provide a periodic statement via mail unless I select other delivery options. I expect to receive a XXXX in the mail postmarked XX/XX/XXXX and delivered before XX/XX/XXXX. I personally think they keep the fees from processing online/ pay by phone payments and are leaving their borrowers no other option to make payments increasing their profits. My understanding is they are a debt servicer and I doubt that the owner of my mortgage knows that they are not carrying out their fiduciary responsibilities as a servicer. Below is my attempt to contact them a month ago and the only response I received from them Customer Service <XXXX> XX/XX/XXXX to me Dear 'XXXX ', Thank you for contacting your loan servicing team! 

We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. 

Please note : duplicate inquiries may prolong your time for resolution. 

Your reference/ticket number is XXXX. 

XXXX Your Inquiry ====== XXXX XXXX XXXX XXXX Morning ( XXXX ) XXXX Payment/Statement Inquiry According to the TILA I am to receive regular and accurate statements via mail unless I have requested otherwise. I have not been receiving statements in the mail and expect this corrected immediately. My mailing address is correct on file and this will be reported if not corrected.

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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!

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 03/30/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Seterus has been stringing my along with a loan modification since XX/XX/XXXX. All documents were received and the trial payments were complete. They informed me my Quit Claim Deed was invalid, because my ex-spouse ( who filed bankruptcy ) signature is not on it, but rather his bankruptcy trustee signed the deed on his behalf because he surrendered his rights to the property. The bankruptcy trustee has the authority to act on the ex-spouses behalf. I purchased his shared of the property from his bankruptcy trustee and a new deed with only my name was recorded in the County and at the Bankruptcy court. 7 months later and Seterus has still NOT approved the modification and found every excuse to not move the modification forward .I contacted XXXX ( XXXX ) to assist with an affordable loan modification on XX/XX/XXXX and ALL documents, RMA application, pay stubs, XXXX, hardship Letter, utility bill, HOA statement were all sent in to Seterus, I even signed the third party authorization to allow the rep from XXXX to communicate and negotiate an affordable mortgage for me. I also contacted XXXX to make a complaint against Seterus. XXXX is completing an investigation. I recently received a letter from Seterus stating my escrow account had a surplus and because my account was delinquent, the funds would be held. Seterus had to respond to my complaint w/ XXXX , and now Seterus is stating that I need to pay {$4800.00} for escrow shortage, if I want them to honor the OLD MODIFICATION that was submitted in XX/XX/XXXX. How do I go from having an escrow surplus for nearly {$1800.00} to a {$4800.00} shortage?? XXXX submitted a mod packet on my behalf for an affordable mortgage and affordable payments but Seterus has NOT replied to the XXXX modification package that was sent on XX/XX/XXXX. All supporting documents were submitted and Seterus acknowledged receipt of ALL required documents. Is there a timeline where the mortgage company has to reply to XXXX proposed modification packet? It appears that I have not been able to get any concrete answers or responses and would like help with expediting the XXXX modification.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This attorney named XXXX called my sister, spoke with her disclosing information about my debt and that they were taking legal action against me, then called her again and left a message seeing if she relayed the message to me. Then they called my brother, and he told them not to call again and hung up. They called him again recently and without confirming that they were speaking with who they called, disclosed information about my debt and about the legal action. They also implied that he was my husband. They called my Grandfather XXXX times and left messages. I called the number and left a message asking them to stop calling my relatives and that my attorney would be in touch with them. They continued to call my relatives. I called today and spoke with XXXX. He right away said he spoke with me XXXX days ago. I responded and said I had never spoken with him, only left a message. He was very unprofessional, and insisted that I did n't remember the conversation and that he spoke with me. I asked him what it was regarding and why he was harassing my family. He began yelling at me. I told him I felt this was a scam, and he yelled back at me that I am a scam by borrowing money and not repaying. He continued to yell, so I hung up. Something felt very wrong so I researched and found a law office that deals with harassing collectors. This attorney asked me what happened and for the collectors phone number. He called it and called me back saying he felt it was a scam because it was a mobile number and they did not answer stating the office they 're from and that it was an attempt to collect a debt. He then said he would call them via a conference call. He told me to ask this XXXX for a written letter with the companies letterhead stating the amount of debt owed, and told me he would end the call if he felt XXXX would not comply. So he called on XXXX way. XXXX answered asking if this was XXXX because that name showed up on his caller ID. I said " no this is XXXX calling you back ''. I then asked him for the letter, and he asked why I needed a letter. He stated they already sent out a demand with a lawsuit to my old address. I asked if they could resend that. He continued to ask why. I said I want an address to send payment to. He said they do n't accept mailed payments. He repeatedly asked me for my address but would not confirm sending a letter. He said I could pay over the phone only, and that 's when my attorney ended the call. My attorney advised me to report this collector as well as the company I borrowed from. He also assured me that they could not come after me and just to block the collector, and they will eventually move on.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (TX).
Issue: Unexpected or other fees

Complaint: This card was sent to me for no reason while I was waiting for my unemployment prepaid card to come in the mail. It has the brinks logo and a website and all kinds of information that looked like a real business. Come to find out it was sent to me to activate by giving them my social security number. The card had {$0.00} on it, but upon activating and checking the balance I owed them a lot of money which I was supposed to pay immediately by putting money on the card. I called the Texas  Work Force c ommission and they told me that is not their card. I called the number on the back of the card  XXXX , and the customer service told me that I needed to pay the fees I told him I wanted to deactivate the card he was trying to get me not to, but he told me he did deactivate it then hanged up on me. They have my SS # and I 'm very scared that I just got scammed.

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