milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been on economic deferment since I left college and my student loans are through XXXX XXXX XXXX, XXXX and Salle Mae. All of my loans are currently in good standing except for Salle Mae. They sent my loans to a secondary company that I was never able to call or contact. Every number I was given from the collection agencies and from XXXX to reach the secondary agency just lead to a phone number that listed offers for XXXX gift cards and XXXX services and then you could never get to an agent to try and find out why the debt had been sent there. I filed a dispute with a lawyer through XXXX services, but was never contacted again about if anything had come from it. Now there are XXXX loans in collections and they took my last years tax returns. Any attempt to file anything with Salle Mae was always difficult and I filed my documentation through FAFSA. My biggest concern is that SallyeMae had a secondary company it used that was unreachable and then they just had XXXX send my loans to a collection agency although I had filed forms with FAFSA for economic deferment and now they have gone so far the companies will not pull them back and the collection agencies do n't recognize economic deferment. I get countless calls a day from autodialers that do not leave voice mails and my tax returns are going to be taken again next year. Prior to this they in 2008 I was attending school and they were calling me telling me I had to repay my student loans although I was in school and was exempt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: Automatic payments for my car loan were discontinued by NMAC. I was not informed that this was happening so the bill was not paid for over 30 days. This was reported to the credit agencies and affected my credit score. I had this loan for 5 years and never missed a payment until the last two payments were due.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to remove these inquiries that these two companies have been putting on my report XXXX and Experian are the two worst one with no respect for consumers. I have called them several times to let them know how can I have inquiries when I am not even in the country, I spend most of my time overseas getting medical help because I am a XXXX XXXX XXXX XXXX. I sent them proof of my passport with the immigration entry stamps so they can see and I also called and they said that they will remove those inquiries but still nothing has been done. They put freeze and fraud on your report without your consent just because that is the easier way for them to say that they are working versus actually doing their jobs and check the validity of an account. they keep deleting and then re-enter the same account back in your account which is gainst the law. If I had the money I would not waste my time complaining I would of just sue them because I know I would win. they are just shady making money on behalf of us consumers and they are also selling our credit file to other entities likeXXXX XXXX etc. that is against the law they need to be stopped.

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 03/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow-up to a complaint I filed through your site against Ocwen for failing to provide me with the stock certificate and proprietary lease upon completion of my mortgage loan payments effected XX/XX/XXXX. 
On XXXX XXXX, XXXX, Ocwen, after trying to reach them several times, and after posting the complaint through your site, responded that they needed 30 days to obtain the stock certificate from third party trustees. However, 30 days are over today and I still have not received the promised document - stock certificate and proprietary lease. 
Instead, Ocwen sent me an e-mail with duplicate documents provided before ; i.e. pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX. I responded indicating that such document was ( 1 ) dated prior to the Co-Op Conversion XXXX XXXX ( 2 ) signed by the sponsor who no longer has any authority over the Co-Op ( 3 ) document does n't list the Co-Op XXXX XXXX XXXX XXXX XXXX as part of the service transfer request to XXXX XXXX XXXX XXXX ( 4 ) When I purchased the apartment, I obtained financing through XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. 
Based on the above, I find the pooling agreement forwarded by Ocwen, invalid. 
The current management company for XXXX XXXX XXXX XXXX XXXX is XXXX XXXX not XXXX. As mentioned before, XXXX was the Sponsor who no longer has any interest in the building and was supposed to relinquish any authority 5 years after the Co-Op conversion any way. 
Ocwen also stated that they did n't have a need to file for a XXXX continuation because the previous one had already expired. My understanding is that XXXX serves as the financial institution 's collateral of an outstanding debt. What was Ocwen 's collateral in this case. I know the loan is now paid off ; however, it is important to me to understand the reasons behind the non-filing of this document as there seem to be third parties involved on my property interest who I do n't think they should be and which I was n't aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (PA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Collection agency has been calling my cell phone over the last couple of weeks. I have sent them a cease and desist letter and they continue to call. I try answering my cell phone when they call but there is no one on the line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Closing/Cancelling account

Complaint: I was a long time Bank of America customer. I closed my account because they have no branches in my current state ( UT ). After having paid in full, I closed my accounts and moved. My now closed account was charged by an annual subscription to XXXX that I was unaware of. They accepted the charge to my closed account and I did n't pay because I had no further relationship with BoA. I went to apply for a home loan and was told this delinquent payment existed. I immediately paid it in full, however they have refused to remove either the charge or the delinquent statement from my credit. Their mistake will cost me thousands of dollars on my home loan and I do not know what to do. They have been absolutely unreasonable and though the individuals I have dealt with have been sympathetic it comes down to this : I can never full end my relationship with BoA. I now how to watch them for years to come ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MI).
Issue: Incorrect information on your report

Complaint: My wife and I opened a 10 year mortgage for my vacation home in Florida in XX/XX/XXXXwith XXXX. After about 7 years, I received notice that my account was being transferred to Seterus, Inc. and I should start making my payments to them. We live in Michigan and own a small business, we were greatly affected by the XX/XX/XXXXrecession. As a result we accumulated a large amount of debt which we committed to paying in full and not shirk our responsibilities by going to short-sale or foreclosure. We made our monthly mortgage payments to Seterus on a regular basis, but the payments were sometimes late. Not over 30 days, but we incurred numerous late fees. In XX/XX/XXXX, I called Seterus to make my final principle and interest payment and mentioned this at the time. They gladly took the payment over the phone to pay the principle and interest in full. They then stated that we had some outstanding late fees, I said I was aware of this and asked if I could speak to someone who might offer some assistance in reducing these late fees to close the account. The representative said she would send us a payoff statement and have someone call me. The statement I received did not show the amount that I had calculated as late fees. In fact over the next 5 months I received 5 different letters/statements all with different amount due of late fees. I attempted to reach out to a representative to resolve this issue. I was tossed from one representative to another, left numerous message and never received a call back, and was even hung up on. One time when I did speak with a rep. and asked about the discrepancy about the fee amounts I was told that since our last payment went 31 past due because of the holiday, that the system automatically billed us for another monthly installment even though the principle and interest was paid in full. Finally, in XX/XX/XXXX, after no viable correspondence, I decided that I would start making monthly payments on the account. I mailed in {$500.00} in good faith. A week later I called to see if they had received the payment and was told that my account was paid in full and I had a {$0.00} balance. I was unaware, that while I was trying to contact Seteraus to resolve the late fees that I was being reported negatively to the credit bureau. It took until XX/XX/XXXX to receive the Satisfaction of Lien statement from Seterus. Now my credit shows that I was up to 120 days late, which is very damaging, and I am trying to obtain a new mortgage. I thought after almost 2 years my credit would solid. Much to my surprise, because Seterus, it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I graduated in XX/XX/XXXX from XXXX. XXXX had my loans. I requested in XX/XX/XXXX that my loan repayment plan be XXXX. I also wanted to enroll in XXXX. XXXX never changed my standard payment plan to XXXX. Now FedLoan Servicing has my loan for XXXX and state that I owe a payment on the standard payment plan. I should be on the XXXX plan. My interest is accruing everyday Since XX/XX/XXXX. I can not afford to pay {$2100.00} a month, I should be paying closer to {$320.00} a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Following a payment to avoid foreclosure my statement dated XXXX XXXX 2015 showed a balance due on XXXX of - {$150.00}. The following statement dated XXXX XXXX 2015 shows a past due amount of {$3000.00} and total due of {$5600.00} despite the prior month not having a balance due. Due to this statement error in XXXX, my payments have not been applied correctly, and I am currently showing as 30 days delinquent. 
I contacted the loan servicer when I noticed the error on XXXX XXXX 2015 and was told that they are unable to see the statements and that I must resolve the matter via email. I followed the instructions and sent the email with the attached documents on XXXX. Since then I have not received a communication from the loan servicer regarding a resolution to the matter. I believe a month and a half is more than enough time to get this resolved. 
I called customer service again today regarding the matter and requested to speak to the department noted in the last email as looking into the matter ( payment department ). I was informed that I am unable to speak to someone in that department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Installment loan) with Admin Recovery, LLC (NY).
Issue: Problems when you are unable to pay

Complaint: This debt collector is calling my father and other family multipme times, whom I do n't have a relationship with and is disclosing embarrassing and defaming debt information as well as personal information about me. They are making it clear to my family that they are trying to collect a debt. I also just checked all XXXX of my credit reports and I do not have any Admin Recovery accounts on any of them. I do n't know who they are or why they are harassing me and my family. In the attachment that I added is a voice mail from one of their many phone calls which makes it clear that they are collecting a debt and they are also disclosing personal information about me in the phone call.. They can be calling anyone and disclosing my information. This is unlawful and unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion, is not allowing customers to dispute inaccurate information on the credit reports online or via any other way. They are once again in anti-trust violation. They do not have the right to hold this over consumers heads. We have the right to dispute and update inaccuracies on our reports. They refuse to respond, or allow us to fix the reports. I have tried to contact Transunion directly and to deal with this in a professional manner, and they refuse to follow the laws and regulations set forth by US government. Something needs to be done about this. Thanks : )

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 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (LA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX is not allowing its users to see their balance in a secure third party app. It is largely inconvenient, but aside from that, users have the right to access this information in any way they see fit. It allows users to get an overall view of their financial situation and without access to this data, makes managing credit almost impossible. Further, it makes users think twice about keeping a credit account with banks who do not allow this access. Please fix this.

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 09-10-2015 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: credit reporting company " credit collections USA '' ruined my credit for a debt that i do not owe. i have written this collections company and they have failed to respond in the past 30 days and also the university. i have also threatened them with legal action but no answer at all from them. i want my credit entry erased or i will file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 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: Information belongs to someone else

Complaint: XXXX, XXXX, and XXXX showing inaccurate information sent police report and idtheft letter fcra violation

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian put my first name incorrect and inaccurate.My first name is " XXXX '' but Experian before put XXXX and now XXXX.Because of my incorrect name, inquiries from different companies and other credit information do not add with my Experian credit report.So my credit report generated by Experian is incomplete, inaccurate and no credit score generates.several times I called them to fix it but they said, they could not able to fix my first name.when any company is getting credit report from Experian, because of incomplete report, they are refusing my credit or permit, license.Recently Massachusetts state Lottery Commission declined my Lottery agent application because of incomplete Experian credit report. while other XXXX Bureau like XXXX and XXXX are generating correct report and updated scores, they have my correct first name and all information.If other XXXX bureau have my correct name why Experian can not able to do! I do not need inaccurate and incomplete credit report because inaccurate report misleading the inquiry companies, they are misunderstanding about my credit performance.By law Experian have to use my accurate personal information because they are doing business using my credit report but Experian is refusing to fix my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Credit line increase/decrease

Complaint: Fifth Third Bank has lowered my credit limit creating a large point score loss because the balance to high credit ratio has gone over 80 %. I opened this account earlier this year. At that time the banker told me my credit score was XXXX. Fifth third ran a retrospective analysis ( I will discuss this in a moment ) that showed my new score XXXX points higher. They lowered my limit. I have never missed a payment with them. 
I worked in middle management with XXXX XXXX and XXXX. I hired XXXX XXXX to build a point score for my company BEFORE they built the ones for the Bureaus in XXXX. I know the scoring system. A retrospective analysis allows them to run their portfolio against the data base to see major changes in payment activity and score reductions and change limits accordingly. MY SCORE WENT UP. 
They were the ones giving me a notice that my score is now XXXX on the letter indicating the reduction in limit. This action has lowered my score to the XXXX. In other words, through no missed payments with this company, they have now subjected me to higher interest rates on loans, potential credit line reduction at other companies and continued score drop. 

I will be suing Fifth Third for this theft of my funds and hardship they have put on me even though I have lived up to my agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: I opened a savings account with {$500.00} and they are only paying me 1/10 of 1 %. How can I save any money? Why do they call it a savings account?

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 08-04-2016 about Debt collection (Auto) with Investment Retrievers, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with SCA Collections, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I hve had this company report on my an account that I dont have nothing to do with me a collection from a company that fraudulently opened the acct as a result of identity theft they need to close this acct immediately and stop trying to collect on fraud accounts.,!

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I placed a dispute on a XXXX bill from 2014. On my XXXX credit report it says Closed report :, Collection account information disputed by consumer meets FCRA requirements. However when I look at my XXXX report they still have the account as opened. I called the collector of the account EOSCCA they are the fourth party to own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concerne I am requesting for XXXX XXXX and XXXX XXXX to fix my credit to be they way I had it XXXX credit limited not at XXXX credit limited that they did to my account. They need to stop this GIMMICK SCAM and CORRUPTION with this both company. 

Doing a follow up with the complaint ID on file 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