milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BROKER SOLUTIONS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I was laid off from work inXX/XX/XXXX-XX/XX/XXXX and I reached out to XXXX XXXX XXXX for 1 time assistance. I had never had 1 late payment for 2 years and I asked if I could have help one time since I had been paying on time for 2 years +. They transferred me to their specialized payment plan team who advised me in order to 'help ' me I MUST go 30 days without payment and take a credit hit for them to allow me to pay my past due payment in 3 installments. I offered to make 1/2 a payment and a payment in a 1/2 the following month to avoid the credit hit. They declined and said 'No, you have to be late '. I feel this practice is unethical for their customers. I attempted to log in and make 1/2 a payment and the system would not allow me to. It required me to only make a double payment. I sent in a Secure Message stating I was upset with this and that they are MAKING their customer go past due and now allow them to make any sort of payment and by them requiring to go past due. I feel bullied and because of this and not allowing me to make payment it forced me to go over 30 days past due and they reported me late on my credit. I sent in a Secure Message filing a formal complaint, asked for a call ( attached ) and I left a message and never had a call back. They said they sent me a letter but I never received it. The only reason I know about their horrible practice of not allowing their customers to make even 1/2 payment, or 1 payment when 2 payments are due is because they reported me to 30 days late to the t agencies. They gave me no choice but to be late! Their system would not allow me to make payments as I could and they required me to be late to even help me even though I called them proactively to set up a payment plan to pay them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made payments XX/XX/XXXX & XX/XX/XXXX. When i checked my account from Navient i can not see the two payments in the account summary which i always check everytime i make payment. I send them an e-mail and question why i did not see those payment but they gave me an answer like they put it as a refund ( do n't know what it means ) I did n't receive any refund check. Then they told me to skip XX/XX/XXXX which i did. When i paid XX/XX/XXXX the same thing happened it did not appear in my account summary, instead it appears that I am delinquent. I called and ask but no clear answer to my question. On XX/XX/XXXX i am due my payment but i feel like not making another payment until the issue is resolved, on the other hand i do not want to be delinquent. All payments are done online. I am the parent and this is my Parent Plus Loan for my XXXX boys. XXXX graduated XX/XX/XXXX and XXXX graduating XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: The loan was opened in XXXX XXXX and defaulted in XXXX XXXX. It was charged off and picked up by a collection agency. XXXX/XXXX/XXXX, I reached an agreement with the collection agency and settled the debt in full. AES was servicing the loan and has failed to update the status of the loan or the balance. I have a written letter from AES stating that the principal balance is now XXXX but XXXX continues to report the loan with a status of " In Collections '' with a current balance of XXXX, and unpaid balance of XXXX and a highest balance of XXXX. I need the loan status to reflect that it was a charge off and the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Mortgage) with Partners for Payment Relief (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I was notified that Partners for Payment Relief ( PPR ) had obtained a copy of my credit report. I have not authorized PPR to request and obtain a copy of my credit report. I have provided PPR formal notice to cease unauthorized inquiries ( made XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ) into my credit report. They failed to respond to my demand to remove the improper inquiries or provide any document that authorized them to make inquiries into my credit report. 
I contacted PPR on XXXX XXXX, XXXX and notified them the debt was discharged in Federal Bankruptcy Court ( XXXX ) and any attempts at collection ; including credit report inquiries is a violation of Fair Debt Collection Practices and Fair Credit Reporting Act ( s ). They assured me in our conversation on XXXX XXXX they would not request my credit report in the future. on XXXX XXXX, XXXX they pulled my credit report again. 
I have no legal ownership interest in the property which they are attempting to collect. 
The mortgage holders ; XXXX XXXX and XXXX Mortgage affirm they are NOT pursuing any claims against the property or discharged mortgage. In addition they avowed they have not retained or authorized PPR to obtain my credit report or act on their behalf in any attempt to collect on a debt. 
I have provided PPR documentation of the mortgage discharge in federal bankruptcy court as well as the recorded deed showing I have no ownership rights in the property. 
PPR is prohibited by federal bankruptcy law to attempt to collect on the discharged debt, is not an agent of the mortgage holders, is only permitted action against the property in which I have no ownership right and I have not authorized them to obtain my credit report. As a result they have no legal right to request and obtain a copy of my credit report and refuse to cease and request the credit bureaus where they obtained the reports remove record of the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Omega RMS, LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid Omega RRC for a debt they said I owed for XXXX XXXX XXXX, however, XXXX XXXX XXXX closed and I am not able to use the services or have services provided prior to their closing. I paid Omega over {$2500.00} so that they would n't ruin my credit as they were threatening to do so. I called Omega and explained the situation and they supervisor XXXX said that I should continue to call XXXX XXXX which the line is busy XXXX. I paid Omega travel on XXXX via XXXX XXXX the balance they stated we owed. Omega collected on a company that is closed, the XXXX also states they are out of business and Omega has n't been able to send us documentation that the amount was owed. I feel we received NOTHING for the money we paid Omega so we should receive our funds back from them. Any assistance you can help in resolving this matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (I do not know) with Commercial Acceptance Company (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the 1st time with a name of XXXX as the rep. on XX/XX/2016 I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016, I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies. they violated credit reporting and debt collection practices Please investigate to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was out of work for over a month because I was in the hospital. I told them this and they told me I had to come up with the money. Then they asked me to borrow it from family members to pay on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA).
Issue: Other transaction problem

Complaint: I sent {$100000.00} to my brother in-law ( XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX through Moneygram, He went to XXXX XXXX in XXXX XXXX XXXX to crollect the money ( {$1000.00} XXXX, after filling the require form, he was told at the XXXX XXXX that their payout limit is {$600.00} dollars only, it was on saturday. so nothing was given to him, the following monday he went to another bank, and they said the Reference number is invalued,, i called Moneygram customer service and ask if they could re-issued a new reference number. their customer representatvie said the money was paid out, i explained what happend in XXXX, i even spoke to the Bank branch manager he said it was n't paid. he said because the teller keyed in the reference number that is why it is showing as if it was paid out, The branch manager advice me to get a refund so that i can resend the money with a new reference number. i was transfer to the fraud dept of the Moneygram and they said i will hear from them within 90 days, then yesterday the XXXX of XXXX i got the attached letter in the mail. They refused to tell me where the money was cash.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BTH Management (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Plaza Services XXXX I checked my credit report to find that this company was reporting an account for XXXX for {$590.00} I called to inquire about it, spoke to XXXX. She stated they purchase the account. told her it was not a valid purchase, and she said it was an account that was opened in 2014. I asked her for the account and company 's contact info. she told me she did not have access to it, that I would have to Google it. I told her, her company had me in collections they purchased the account she should be able to give me the information. She told me they were not a collection company, they are a holding service (?? ) I asked her how then is Plaza Services reporting this account as in Collection if they are not Collection service. I contacted every XXXX. # I could find, They have no record of me at all, and said even it was 10 years from before they would have a record. I am not only reporting to XXXX but to the FTC as well, and have made an appointment with my attorney to file suit. I was in chapter 7 bankruptcy, this is not my account. they are in violation of Federal Bankruptcy Law as well as Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a student loan in full on XXXX 2016, which Navient acknowledged and documented. On XXXX XXXX, 2016, Navient auto-debited from my checking account {$360.00} to be applied toward the already paid-off loan. When I called Navient, they said it would take a week to reverse the charge. But I 'm stuck paying overdraft charges on my checking account and the late fees for bills I ca n't pay due to this duplicitous attempt to collect on a paid debt

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was trying to pay my lowest balance student loan originated on XXXX/XXXX/XXXX with a blance of XXXX as of XXXX/XXXX/XXXX. On XXXX paid off the amount reflected on my account in the amount of {$800.00}. On XXXX/XXXX/XXXX there was a balance of {$14.00} and today XXXX/XXXX/XXXX there is XXXX balance. The account is accruing interest even though its paid off. I called Fed Loan Servicing twice and got responses that did not make sense concerning the accrued interest. I want them to refund me the amount of {$14.00} in a check payable to me not applied to my loans. I will determine how I want my payments applied. I also want FEDLOAN SERVICING investigated on their loan interest accrual. Obviously they have issues.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I could not believe in what I seen for Wells Fargo. They really just take action to help homeowner. We are struggling to deal with them with all their expectation and nightmare for modification. My agent has submitted a lot of documents with PROOF fax went through. Wells Fargo called me and said they need same thing again and again and sale date will not remove and underwriter was not reviewed the file. When my agent told them she faxed and went through the representative from Wells Fargo is being mean to her and said " Fax again till we receive it ''. How come they can treat us as hardship homeowner and being unfair treat to us for dealing with loan modification. We are about to divorce but now because of the house we want to keep it and work out some options. However, Wells Fargo has practiced some unfair thing following : - I have XXXX and they asked XXXX account number and transaction information. It would violate invasion privacy since they just share the room and we cant ask them to provide such as bank account information. We sent them XXXX XXXX XXXX car payment with our address on it but they do n't consider that. They want full bank statement with account on it. 
- They asked us to fax over the documents but they did not response and told us they did not get it. 
- Discrimination of marital statusAs the homeowner, we believe we have the protection under certain law and regulation. I have sent them all documents they need but they never kept their tracking of documents and asked over and over. Per California law of Dual Track, they cant foreclose the house while we are requesting them to review loan modification. They did not give us a fair review and send file to underwriter except making us headache with foreclosure sale and documents require. If it is reasonable documents, we can satisfy but they diged to detail in relationship and tenant information which we believe that it is not right. We need somebody who account manager, can follow the regulation from California Bill and give us a fair review for loan modification

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Payday loan debt) with Seattle Service Bureau, Inc (UT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/XXXX, I was contacted at my place of work by XXXX XXXX of National Service Bureau. After I indicated that I was the person he was looking for, I told him twice to never contact me at that number again and disconnected the call. Immediately thereafter, XXXX XXXX called my work number again to " verify my employment '' with one of my coworkers. This is absurd since he just finished speaking to me at the very same number. Also, he asked my coworker to give me a message to contact him and left his phone number. Since then, XXXX XXXX called me at my place of work again on XX/XX/XXXX to inform me that he could in fact call me at work. I again instructed him not to ever call me at work again. This is a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, XXXX serviced by Nationstar Mortgage LLC continues to misapply my monthly payments. 

I have always paid my mortgage payment twice a month. This service provider recently purchased my servicing rights and sends me a past due notice every month stating that they have n't received my payment. After I call, they then find my XXXX payments and apply these to the mortgage. Every month I 'm told it has been corrected and wo n't happen again. I 'm tired of this run around. I believe this is a violation of the Prompt Payment section of the Dodd Frank act. 

This monthly call is a nuisance. My fear is that I 'm going to forget to call XXXX month and Nationstar will report negatively to the credit reporting agencies. Also, I 'm unsure that my payments are actually being processed correctly since I have not received a statement showing payments applied since Nationstar took over servicing rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My most recent Care Credit/ Synchrony credit card statement dated XX/XX/XXXX included an expired Promotional Zero Finance Deferred Interest charge of {$430.00}. 

I had made multiple charges under this plan and always paid on time with more than the minimum required, feeling that satisfied the agreement. 

They took the balance from XX/XX/XXXX of {$1500.00} and added {$430.00} and another {$1.00} for other purchases at the rate of 26.99 % .So instead of owing {$1200.00} I now owe {$1600.00}. 

I contacted Customer Service on XX/XX/XXXX and was told that it was added to my unpaid balance and it 's due.

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 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: We have a bankruptcy on our credit report that was filed in US Bankruptcy Court in XXXX, CA in XXXX. Experian Credit Bureau is not reporting the bankruptcy correctly and despite our request for proof of validation that they are reporting correctly, they are ignoring our request. All we get back from them is that they have validated the bankruptcy with the court and it is correct. Experian is refusing to follow the Fair Credit Reporting Act and the rules set forth by this act where they have to provide proof to us on how and when the reported bankruptcy was validated and who at the US Bankruptcy Court validated that the information is correct. I have done a lot of research and know it 's my right as a consumer to have this provided to me : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. '' Since the US Bankruptcy Court do not validate or give out any information to Credit Bureaus, they are continuing to give us incorrect information when they state they validated with the court. We have attempted since XXXX XXXX, XXXX to have this matter corrected or deleted by Experian and they continue to deny and continue to report the information incorrectly. This is hurting our credit worthiness. All we have asked Experian to do is to be truthful and provide us with their validation, or if they ca n't provide validation, please remove the incorrectly reported bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My mortgage account was opened in XXXX and maintained since then. However, XXXX Mortgage is incorrectly reporting that my mortgage was included in my XXXX bankruptcy -- it was not. In fact, XXXX Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? 

This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. 

This incorrect, derogative information must be deleted from my Equifax Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. 

Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been doing what I can to get my short sell finalized. US Bank are the worst. After denying a few offers this gentleman offered what the bank wanted. He waited almost 2 years for them complete the view everything was done but after patient running he withdrew his contract. I got put in this situation because they refuse to except my payments because I had a temporary job and I would need to pay back all the money to get caught up before they I can apply for loss mitigation. I feel they are no not trying to let the house be sold. I do n't understand.

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