milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: They have been calling me with robo calls 6-8 times per day. Never a person always robo. I have told them numerous times to call me with a person only. I have asked them to call me during specific hours when i can take their calls. my cellphone does n't work well when im at home so i cant answer it. they have my house number but again its always a robo call never a person. Robo calls always tell me to call back a specific number but when i do Im in line waiting for more than 30 mins everytime. I am now over 5 months overdue and would like to become current but cant get a hold of them ( i do n't have time to sit on hold for more than 30 mins ) .Now they are threatening a judgement againest me. I want to pay but they wont contact me and i cant get a hold of an actual person within this stupid company. they seldomly call my home phone when i 'm actually there to answer and again even if i am its a robo call so when i call back i 'm on hold. I try to login to my account online and again their system does n't recognize my information and i 'm told to call only to get put on hold. Ive told them numerous times to call with a person not a robot and i will talk and usually by now they switch to people but still after 5 months still robo calls only never a real person. ive told them numerous times about the online login system not logging me in without calling first and they say to just call in again i do n't have the time to sit on hold " waiting in line '' for 30+ minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have not been to anyrhung medical to have medical bill with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received a notice from XXXX that XXXX XXXX Banking at XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX inquired on my credit report on XX/XX/XXXX however, I never granted them permission. This shows as a soft pull but I still feel it 's a violation. They were included in a Chapter XXXX BK I filed in XX/XX/XXXX and feel that they are " checking up '' on me. They were very nasty to me when they found out I filed Chapter XXXX back in XX/XX/XXXX and I am positive I have not given them permission for any credit pulls since then.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A woman by the name of XXXX XXXX with Weinberg Mediation called, and left a menacing message saying that they had an important legal matter to discuss with me. If I did n't call her back today, they would take further legal action. 
I looked up the company, and they are debt collectors. I also found MANY places on the internet  where multiple people say this company is a scam. I do n't have any bad debt, but pulled up my credit report to double check. All clean. This company is obviously trying to scare me and scam me out of money. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Victim of fraud - criminal has been prosecuted and is serving a sentence for this crime. Even upon submission of supporting documentation credit reporting agency refuses to delete the incorrect negative 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 01-11-2016 about Debt collection (I do not know) with Firstsource Advantage, LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company First Source Advantage has called my employer several times and left voicemail messages at my place of employment for me stating on the recordings that they are calling to collect a debt and leaving a number XXXX stating that if this is the wrong number to call and let them know. I do n't believe that they are supposed to leave messages at my place of employment stating that they are calling to collect a debt. Additionally, I called them on last week XXXX XXXX, 2016 and requested that they only contact me by mail. I informed them that someone else at my place of employment retrieved and listened to the message. However, they called again on today, XXXX XXXX, 2016, and left the same voicemail message at my place of employment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Credit card) with Enova International, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from net credit. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. 
Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and Equifax.  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with Financial Data Systems (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is my 3rd complaint on this collection agency XXXX XXXX Collection Manager
Financial Data Systems
XXXX XXXX XXXX XXXX 
www.fdscredit.com

I have advised them on several occasion that this debt is not valid and does not belong to me. I filed a complaint and Identity theft report with the federal trade commission, WHICH i FAXED OVER TO THEM and I demand they remove these accounts immediately from my credit file.
please see email response......
XXXX XXXX 
To	'XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX Please acknowledge you received my fax...HIS RESPONCE
On Wednesday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote:


I got it.

Thank you,
XXXX XXXX XXXX
Collection Manager
Financial Data Systems
XXXX XXXX XXXX XXXX
www.fdscredit.com

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: XX/XX/2007 to Present. I noticed I had paid {$23000.00} in Capital Interest, {$14000.00} in principal and {$19000.00} in interest. I also was seen my due payments going up faster than going down. I three loans a Consolidation Loan ( {$21000.00} ), a Parent Plus Loan ( {$18000.00} ) and Cosign Signature Loan ( {$7500.00} ) for a total {$47000.00}. My current loan for Consolidation Loan is now {$30000.00}, Parent Plus is at {$23000.00} and Cosign has been paid off. When I check my credit report it stats I am 37 % over my Credit Limit for these loans as that my credit limit is {$39000.00} and my balance is {$53000.00}. this is having a adverse effect on my credit score. I received emails about deferments and forbearance and was told there would be a one time fee and no interest. see attached please. I just need to know if the Capital Interest were legal or not.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have a credit card with XXXX bank still sowing open and was put in collection without my knowledge. I just find out this by checking my credit report. I will never knew if I do n't check and be hurt to getting anything.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I set up Citi credit card auto pay online as the site allows you too. I did this first time and they never took out my payment through auto pay which made my account late so I tried again online. Still did n't go through and i was late again. I did n't know it was late until they called me multiple times to let me know. Told them I did auto pay. They said It does n't show on the account and then I said it should because I did it XXXX online and they asked that I set it over the phone with them. That they recommend I do it over the phone because of issues of setting it up online. So, I set it up with them and they confirmed and I even received a letter saying I was enrolled in there autopay and the citi card rep over the phone said I now have auto pay and the payment will be taken out the checking account for the next statement. I gave at XXXX XXXX XXXX. My complaint is why is n't there autopay working online or over the phone? Because of this I have been late on my account XXXX months in a row because of CITI is not honoring there autopay agreement and not processing my payment for auto pay. By them not doing this it has cause me to be late and have accrued late charges every time. Not to mention my credit score and credit reputation with Citi. I urge Consumer Finance to please investigate to see if anyone has had issues and investigate there business practices. How do I know there not trying to make me late to up my APR percentage or/and identity theft from their Citi representatives who have all my account information over the phone and the auto pay still did not work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XX/XX/XXXX - Submitted debt validation in writing. Company originally removed from credit and the replaced back without written notice.

XX/XX/XXXX - never received written notice to validate debt.

XX/XX/XXXX - currently reporting that the debt is refinanced. How do you refinance a collection and incorrectly reporting amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold account last year. I still have not got any promotional offer from them. I have sent them a message after I opened this account. It takes forever. 


Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Hello, good afternoon, and welcome to Citibank Online messaging, my name is XXXX. Thank you for your message regarding your promotion requirements. I will be happy to confirm this for you. 
In review of your account, I can confirm our requirements for XXXX are satisfied for this promotion, as you had mentioned. 
Summary of Required Behaviors : XXXX AA Miles Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card, which must be posted to the new checking account. 
One qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 
Now that you have met the requirements and the account review is completed as eligible, Citibank will credit the AAdvantage bonus miles to your AAdvantage account, within 90 days from the end of the statement period in which the completed offer requirements. The last requirement met is dated XXXX/XXXX/XXXX and our 90 day requirement will begin from the XX/XX/XXXX statement. You should receive your reward incentives no later than your XX/XX/XXXX statement. 
Here at Citi, we take pride in finding solutions for your financial needs, and I am pleased to have provided your requirements confirmation and timeframe of expected incentives. 
I invite you to share your opinions about the service you received. Please click the link below to take a short survey on your contact experience. You will need the reference number listed above to complete your feedback. 
Send Your Opinions Thank you for choosing Citigold. Have a great rest of the week, XXXX XXXX. 
Citigold Services at XXXX. Internationally, you can call us collect at XXXX. TDD/TTY Service is available at ( XXXX ) XXXX. We are available to assist you 24 hours a day, 7 days a week. We appreciate your business and the opportunity to serve you. 
Sincerely, XXXX XXXX Citigold Customer Service Citigold is a service of Citibank NA, which provides banking services CIN : 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 08-12-2016 about Mortgage (Conventional fixed mortgage) with WATERSTONE MORTGAGE CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: I was introduced to XXXX XXXX with Waterstone Mortgage at the XXXX TX franchise location by XXXX XXXX, realtor with XXXX with the understanding that he can close on the mortgage loan in XXXX4 weeks. On my initial contact with XXXX XXXX I found our conversation to be somewhat irrelevant since he was trying to know my ethnicity while going over the information, whether I was from XXXX. It was/is my understanding that pre-qualification and the underwriting process for a mortgage loan does not require disclosure based on national origin and thought it was inappropriate for him to inquire about my national origin. After few weeks passed I reevaluated my relationship with XXXX XXXX, the realtor who in my opinion was not being responsive to my requests or follow up on my offers on homes so I told XXXX XXXX that I may not be working with her but I will continue to work with Waterstone Mortgage and since I have already been qualified with them. A week XXXX later I asked him to send me update prequalification letter after he had factored in a new vehicle loan that was not initially factored in. The original loan qualification amount was $ XXXX and updated amount was $ XXXX. XXXX XXXX refused to send me the update prequalification letter and when I questioned why he would not release my prequalification letter, he referred to some banking guidelines regulated by RESPA that I found out do not exist. I spoke with their franchise and corporate customer service in XXXX who confirmed he falsely communicated a requirement that does not exist. He not only refused to release my prequalification letter but also refused me service after I had already been qualified for the loan with them. I reasonably believe he refused me service based on my national origin and after I had stopped working with XXXX XXXX, the realtor. XXXX XXXX NMLS Number is XXXX. I have copies of the correspondence between me and XXXX XXXX. I reached out to corporate customer service for Waterstone Mortgage and spoke with XXXX XXXX who acknowledged the situation but then transferred over to XXXX XXXX who seem to condone XXXX XXXX 's discriminatory behavior and refusal of service after I have qualified with Waterstone Mortgage. Waterstone Mortgage has caused mental anguish by impacting my first home purchase dream by their discriminatory practices that also seem to be condoned by their corporate office.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Other debt) with PARSON BISHOP SERVICES, INC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XX/XX/XXXX - Collection agency ( Parson Bishop Services ) contacted me regarding a false charge of {$240.00} with XXXX XXXX. I explained that bid was accepted, but soon after 2 weeks I realized I did not want to take part of this organization and thus forfeited any communication with organization. I never attended any meetings, events, or pledge ceremony held by XXXX XXXX. I asked collection agency for proof that I signed anything and they have yet to respond. They threatened to report it the credit bureaus and insisted that my credit would be damaged for 7 years. 
XX/XX/XXXX - I received another call from XXXX XXXX XXXX XXXXregarding attempt to collect debt and another threat was made saying that they will be reporting me to credit bureau by XXXX XXXX if debt is not paid. On this date I sent a letter of dispute via email to email provided by collection agent requesting for signed paperwork stating that I am indeed responsible for this debt. Collection agency has yet to reply and provide proper verification. At least 3 more calls have been placed after XX/XX/XXXX. 
I have also contacted said organization and they insist I am responsible although I was not involved with them in any manner.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: lost my daughters social security number along with mine on XXXX XXXX 2016. filed a police report. they have been replaced, but i would like to get a copy of her credit report just to make sure no one has used it

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified consultants placed a collection on my credit report for XXXX for XXXX XXXX XXXX return equipment fee. XXXX lost the equipment but found it when I called with a tracking/reference number from XXXX. XXXX agreed to remove the charge from my bill. I have since had to call several times about the matter and can not gain any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Credit reporting () with NATIONSTAR MORTGAGE (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: NationStar has XXXX in less than 6 months reported erroneously Loan No. XXXX. I received a letter from there research Dept in which they acknowledged an error in reporting this information and the correction and updates to credit bureaus to be performed in XXXX 2015. After having made the corrections and updates, today XXXX/XXXX/2015 they have again fro a XXXX time reported erroneously this loan information on my credit profile and have directly impacted my credit worthiness reducing my credit score by more than XXXX points from XXXX to XXXX. 
Because this is already a XXXX time I would appreciate an investigation and any all sanctions applied due to clear Violations of FCRA. 
I may be contacted directly at XXXX or email at XXXXXXXXXXXX. 
Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage servicing company, OCWEN, has failed to make an earnest effort in accordance with the Make Home Affordable policy to help our family re-negotiate our home loan balance, which at the height of the Housing Crisis in XX/XX/XXXX-XX/XX/XXXX, reached nearly {$200000.00} in negative equity. OCWEN declined requests for modifications that were submitted with reasonable justification of loss of family income from XXXX to XXXX income source, medical determination of my husband 's XXXX, and a high debt to household income ratio. On XXXX occasion, a OCWEN representative 's advice was for us to miss several monthly mortgage payments to allow our home to go into pre-foreclosure as a basis for OCWEN to consider adequate justification for us to request a loan modification. At present, our family has cut living expenses where feasibly possible in an attempt to pay down our mortgage balance to equal the amount of our home value, presently a difference of {$100000.00} negative equity, so that we may refinance at an interest rate less than our current 6.25 % rate. The primary purpose of this complaint is to report OCWEN 's pretextual policies and lack of incorporation of the Make Home Affordable initiatives in OCWEN 's mortgage loan policies.

Company response to consumer: Closed with explanation