milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2015 about Debt collection (Payday loan) with Direct Recovery Services, LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: DRS is attempting to collect on a payday loan I did not apply for/did not receive. They have called in the past and most recently, emailed me twice, XXXX different reps contacted me. They have an address of a person with the same name, this appears to either be fraud or a mistake on their end. The address the have for me is XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX, I have never lived at this address. The amount they claim I owe is XXXX from Payday Yes, a payday loan company

Company response to consumer: Closed
Consumer complaint received 01/14/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Attention XXXX and if possible XXXX and XXXX  Delinquent Account ; XXXX XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX systems about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same i guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. 

Please Correct

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am putting another complaint on Experian because once again they continue to find ways to deny removal of the Federal Tax Lien they are reporting in which they got there information off of XXXX. I have confirmation from XXXX XXXX that the federal tax lien was removed from my risk file. I provided Experian the response from CFPB complaint XXXX from XXXX XXXX giving confirmation that the information was removed from my risk file with them. I have provided Experian with the police report filed, the form XXXX that I filed with the IRS, the response from IRS with receipt of my XXXX form, I provided them the response from XXXX showing the removal from where they originally obtained there information. With all of these supporting documents that uphold mt claim they continue to report and claim to verify this Tax Lien that is not suppose to be on my file. I am going to attach once again all the documents that I have supplied to Experian that only shows there unwillingness to help in the removal of fraudulent information that is on my file. They have provided only excuses and no clear answers. I am now requesting from them what vendor they are using to verify this tax lien. What is the steps and methods they are using in doing a legal full and accurate investigation. I am not asking for a generic template letter from them on how they do investigations. I want a specific list of steps that they took, including but not limited to the dates they contacted their vendor, the name of the vendor used and what was the steps. I would like to know if a website was used in trying to verify these tax lien and what is the address of the website. I have contacted the XXXX County Courthouse and I know it is not them providing the information so I do not want Experian to illegally tell me to contact the source when the court house was not the source used to verify the accuracy of the information. I also requested for Experian to remove the Fraud Alert from my file and provided identity verification documents for the removal of the fraud alert and yet it is still reporting on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I 've been dealing with XXXX for years and I 'm at wits end. They 've lied to me repeatedly about whether or not my loans qualify for PSLF, what the status of my loans are, and what money I owe. I applied over 3 months ago to recertify in a income based repayment plan, and have been through several waves of contradictory information. I first talked to a person a couple of months ago who assured me that my loans were pending approval for an IBR plan and that I would owe {$5.00} for that month. A month later I was given a bill for a full standard repayment amount, which did n't make sense to me since I never transferred to this plan. I called and spoke to a person who also did n't know what was going on, but said that I could defer and the following month I would be paying on IBR. Now this month, despite filing to defer a month ( which I hated doing because I want to pay this loan down but XXXX forced me into it through their own incompetence ) my account now shows TWO bills of standard repayment and no end in sight for IBR. XXXX does not communicate, has not responded to emails, and has told me different contradictory information every time I 've spoken with them. 

As far as I 'm concerned, it 's not a matter of 'if ' but 'when ' for a huge class action lawsuit against XXXX, as I 've read countless articles and stories from people in similar situations and that must only scratch the surface of people in my shoes. They are incompetent mismanagers of federal loans that are having drastic impacts on people 's finances, including my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Account Control Technology, Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Account sold. Nomaccounting information being provised on this account after repeated inquiries. Master promissary notes are not original contracts. Accounts have multiple servicers and can not obtain accurate information on none of these accounts. All i get is threats of wage garnishments. The amount on the account is grossly well above the cost to attend the institution. Amount on credit reporting agency is XXXX but letters sent to me is XXXX. School doesnt cost nowhere near that to attend. Accounting information needed to verify this account. Amounts on promissary notes sent to me are thousands of dollars less than being reported and letter sent to my address of garnishment. There is over 23000 difference.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I recieved a bill from this company and one piece of correspondence, I loggedica on to thier site and made a payment. I attempted to log back in the following month to remit additional paymetns. The log in did not work. i contact the company and did not receive any communcaiton back. I received notification from my credit protection service, that there were derogatory marks on my credit report. They had placed my accounts into collection. As a result my credit score dropped XXXX points in one month. 

So bascially after one month, with no communcation they placed my account into collection without any written correspondence or phone correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Initially I was mailed out a letter from Sunrise Credit Services Inc dated XXXX/XXXX/XXXX stating that I owed them for an account from XXXX for the amount of {$570.00}. In this letter there was no itemized statement to show what exactly I was being charged for. The balance is incorrect. XXXX/XXXX/XXXX I went and mailed out a debt validation letter requesting Sunrise to submit proof that I held a contract or legal obligation to repay this debt that they are accusing me of owing. I received nothing at all. Not a statement, no itemized detail of the balance or signature showing I had a contractual obligation to pay them. I am requesting to have this debt removed from all 3 of the primary credit bureau. They had more then 30 days to verify this debt was mine.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: During deferment and/or forbearance, I was misled into a postponed payment plan which ultimately resulted in a derogatory information being reported to my credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I never heard back from them

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 08/29/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: My grandmother-in-law ( " grandma '' ) unfortunately has a reverse mortgage on her primary address. My grandmother is originally from the XXXX and English is her second language and is XXXX years old. 

In XX/XX/XXXX, my Grandma 's home was foreclosed and sold. Ever since her husband had XXXX, she did not understand how to get her own home insurance, therefore XXXX XXXX who held her Reverse Mortgage would force place home insurance on her property. Grandma did n't understand how the payments would work and would eventually get them paid late. Unfortunately, the XX/XX/XXXX amount of {$2100.00} was never paid and XXXX foreclosed. Grandma had the unfortunate event of having the new owner come to her house which confused her greatly. This is where she got me involved to see if I could help. Through a month of phone calls and pleading, XXXX was able to contact the new owner of the home and get the sale of the home reverse and the rescinded the foreclosure. 

In XX/XX/XXXX, it was time for the next year 's of insurance to be paid. Grandma made the {$2000.00} payment in XX/XX/XXXX or XX/XX/XXXXto pay for the full year of home insurance. No monthly payment option was available. 

In XX/XX/XXXX I was contacted and informed that her maximum claim amount was going to be reached and that her reverse mortgage was going to be transferred to H.U.D. for servicing. This could only happen after she obtains her own home insurance. 

In XX/XX/XXXX, we were able to secure new home insurance for grandma 's home and had to pay a full that new premium for her own insurance. We contact XXXX XXXX and informed us that grandma was due a {$1100.00} refund for the original forced place insurance. 

Since XX/XX/XXXX, we have continually contacted XXXX XXXX and they have not been able to inform us why grandma 's check has not been sent to her. They continually tell us that they are researching this with never an answer. We are now in XX/XX/XXXX and I have contacted them for three straight days and they still can not provide us an answer. 

Grandma is on a fixed income and desperately needs those funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 02/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX until 2014, at which point, I graduated with my XXXX, I considered continuing with my XXXX however I did not have the time to complete the courses. So When XXXX closed, I looked into the options I had regarding loan forgiveness. I contacted one agency that stated it could get my loan forgiven for XXXX dollars to keep my credentials, and XXXX dollars to remove all the credits as well as the loan, I suspected this was a scam so I contacted the dept. of education. I was directed to the XXXX Higher Education, where I was given a link to fill out a form to be submitted. As I understood the options, there was XXXX option regarding the fraud that was part of XXXX closure, as well as of for XXXX closing within one year of my graduation, and there were different options I could take, though no one really seemed to know what I should do. I printed the sheet and sent it in, hearing nothing back directly. When months went by, I found myself still not working a job within my degree field, as well as in need of car. Checking my credit report showed that I had Federal Loan payments that I had missed, destroying my credit and driving me further in debt, despite the fact that I had selected the loan deferral option on the paperwork I sent in. Calling the XXXX Higher education got me no where, telling me to call my loan servicer. My loan servicer said they had not received that paperwork, so would not honor it. I then searched out the paperwork I was to fill out for them specifically, and in the meantime decided I wanted to go to school for a separate degree, as the first had gotten me no where. Without a Job in my degree field, I thought XXXX XXXX would provide me the opportunities and salary options that I could make a career out of, and be able to afford to pay off future debts. I applied to a XXXX college, who requested my transcripts from XXXX I provided them and attempted to start my next steps in Education. I feel like I may have rushed myself, having just stared a new full time job ( Still not in my degree field ) I dropped the courses within 10 days of the start of term. Some month or 2 later, I received a letter from my loan servicer stating that I had transferred my credits to a different school, and unless I had a letter from the school stating that I was not using those credits, they would not forgive my loan. I looked into having the XXXX college remove those credits from my transcript, being more than willing to take the courses over, however they suggest I make a complaint to the CFPB regarding this matter before considering my request.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I had my banker, XXXX XXXX ( sp? ), update my debit card for international travel. He told me the card was outdated and he would have a newer, updated one sent to me. He never asked me to complete an application nor did I sign any. Three weeks later I received a new CREDIT CARD with a high credit limit. I called immediately to have it canceled and get guarantee this card would not appear on my credit report. The operator assured me they would cancel it and it would not appear on my report. It is canceled but it is on my report. I did not apply for a credit card, I was lied to and deceived by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received communication from XXXX/Pendrick Capital Partner LLC that I owe XXXX for a debt that has been reported previously by 3 different agencies on XXXX/XXXX/2017, I requested verification of debt that I did not receive to verify they are the actual owners of the debt. I received another letter on XXXX/XXXX/2017 stating they would report this debt to the Credit Bureau I called again and spoke with a foreign man never gave me his name that said the bill is my verification I said no I want verification such as what service date is this bill for, what doctor 3 different agencies have reported this and did not give me proof. He stated they would send information but would still report the documentation on my credit report. I stated that this was threatening and a bullying tactic to get me to pay and if they did not give me the information in order to pay I would report this immediately he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NJ).
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint: 1 ) Credit Card Company - " GAP Silver Visa Card '' - " Synchrony Bank '' abruptly closed by Credit Card without giving any prior notice / call / email. Also reason for account closure given by bank ( as per below point # 3 ) never mentioned or discussed by agent earlier 2 ) Bank Closed my  card/account around XX/XX/XXXX to XX/XX/XXXX and I tried to use that 2-3 times during that week to get - a. XXXX XXXX XXXX XXXX ( For my family member who suffered from XXXX XXXX in month of XX/XX/XXXX ) b. Grocery Items c. other important stuff d. Also account closure impacted me heavily as this card is linked to my Car Insurance/Kids Day Care Fees/ Online Shopping Website etc. 3 ) After contacting to Customer Care ( Telephone ) - 2-3 times between XX/XX/XXXX- XX/XX/XXXX - they gave me unacceptable reason of closure of credit card. Reason I 've got == My Bank - which is holding my Checking + Saving Account has been rejected 2 Payments for Month of XX/XX/XXXX ( for Amt. - {$5000.00} ) and Month of XX/XX/XXXX ( for Amt.- {$1000.00} ) 4 ) When I checked my credit card account balance - it was showing balance - {$490.00} as of XX/XX/XXXX with Due Date XX/XX/XXXX - and I 've cleared that balance on same day. I requested Synchrony Bank to reopen by account as it could be some issue with my checking account during that time and those payments were already processed with balance of {$550.00}. Not sure why there was difference of some $ with respect to due amount - {$490.00} as I did final payment of {$550.00} on XX/XX/XXXX.. FYI - Current Outstanding balance is XXXX ( As of XX/XX/XXXX ) 5 ) If Bank is not able to re-open my account then I requested them to Transfer or Adjust my Cash Reward Points which was around {$400.00} as I am using this Card for approx. 5 Years i.e. from XX/XX/XXXX..Also my Credit limit was {$9300.00} and always used this Card for all type of purchase with full utilization ; which has benefited synchrony bank 6 ) I 've got very un-professional answers and they informed - their software system is not having account reopen feature and it 's impossible to re-open account & adjust my cash reward. Also I understood that bank does not have email id / digital process / telephone process to log complaint or reach to any senior person 7 ) I was most valued customer for last 5+ year with Credit Score XXXX and still bank is not able to re-open or adjust my cash reward points. We loved GAP showrooms and we would like to continue shopping there via GAP cards but after this kind of treatment we need to stop the GAP shopping.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Prepaid card (General purpose card) with CITIBANK, N.A. (MD).
Issue: Managing, opening, or closing account

Complaint: I have a prepaid Citi Visa debit card from XXXX, XXXX XXXX which expired with {$50.00} on it on XXXX 2016. According to the Consumer Financial Protection Bureau, this card should be replaced with a like card or a check. I contacted Citi Card Services on XXXX XXXX XXXX to ask for a replacement card XXXX with the instructions on the CFPB website. I spoke to XXXX ( employee ID : XXXX ). He said they would not honor the card or issue a replacement regardless of what the CFPB said. The address he gave for Citi Credit Services was XXXX XXXX, Pa XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Good afternoon, For several years ( since XX/XX/2008 ) I have been having trouble with my student loans. During my divorce our combined student loans ( mine from XXXX, XXXX and his from XXXX, XXXX ) were " ordered '' to be paid by my ex husband and I took other debt to equal things out. Since that time the debt has remained on my credit and despite court documents saying that I am not supposed to have to pay this back, it remains in my name and on my credit report. Navient ( the loan was formerly with XXXX ) indicated that since it was a federal loan the states decision that it was not my burden any more did not affect them. Quite frankly this does not seem right. This has impacted my ability to buy a house, retain credit, and shortly will impede my ability to get financial assistance to send my children to XXXX. To make matter worse my ex husband has not made a payment on the loan since our divorce and the amount is now almost doubled. There has got to be a way to relieve me ( and my children ) from this burden. I have tried all that I can think of and now I am hoping I can get some assistance from someone in government. I have to believe I am not the only person in this country that is affected by such things and if I can help others while helping my family by bringing this to the attention of the government, that would be even better. 
Can you let me know where I would take this issue to seek assistance? 
Thank you.

Company response to consumer: Closed with explanation