milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Debt collection (Medical debt) with Midstate Collection Solutions, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Opened XXXX XXXX, XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX balance {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted trans Union credit bureaus on XX/XX/XXXX about inquiries that was on my report that should not have been there. I told them I was a victim of the inquiry issues section 6-11 they said they could n't help me. These are the inquiry that was removed and put back. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Results Unlimited, Inc. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I was sued for a debt from XX/XX/XXXX on XX/XX/XXXX by Results Unlimited and attorney 's XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, Va XXXX regarding XXXX in the amount of {$1100.00}. I was unable to pay this debt. The suit was twelve years after the lease expired. Results Unlimited and Townhouse Park Apartments are still attempting to collect this debt and has placed a lien on my bank account. This is 18 years after the remaining balance on the lease was owed. 

Besides the statute of limitations expiration under the Fair Debt Collections Practice Act, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, attorney 's and Townhouse XXXX have place a lien on my bank account which contained Department of Education Student Loan Funds disbursed by XXXX University on XX/XX/XXXX. 

These funds are to be used only for educational purposes and XXXX XXXX XXXX XXXX, where my funds are currently being illegally withheld from my use and possession, refuses to release my Student Loan disbursement funds due to an 18 year old debt claimed by XXXX XXXX XXXX, their attorney 's XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

My Student Loan funds are being illegally withheld to pay for an illegal judgment during my law school examinations and has caused me to suffer severe emotional distress. 

I would very much appreciate a call tomorrow Friday, XXXX/XXXX/XXXX to help me to get this matter resolved. 

I can be reached at XXXX. My email is XXXXXXXXXXXX. 

Have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The site will not load can I get a phone number to call. I only have my cell for internet use and I am worried now that it 's hacked

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX, 2014, I contacted CHASE Mortgage and proceeded to apply to have my mortgage interest reduced from 8 % to 2-3 %. This was on my XXXX mortgage. 
Over the next 4 months, I submitted information for their underwriter on XXXX separate occasions. My responses were often to repeat requests that were already submitted. They were sent registered mail. This continued for 4 months. Finally, in XXXX, I informed them that I wanted a written decision from their underwriter in XXXX business days. This was never honored. It is just ridiculous that I had to submit the same items and received no service. All I wanted to do was reduce my interest rate. In XXXX phone conversation with a supervisor, I was told, '' Well, you can afford the payments. Why do n't you just continue to pay? '' I was shocked. These are totally unacceptable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have student loans that are serviced by Navient. I do not know who actually lent me the money. Unfortunately I never obtained a job that paid enough to pay the monthly payments the different loan servicers want. While I have received numerous forbearances due to low income, I am now retired and receive social security. Several years ago someone from XXXX XXXX told me about a program XXXX XXXX ( the loan servicer at the time ) had that tied your loan payments to income. I applied for it and was told by phone I was accepted. However, they did not know how much the monthly payment was. I caled back numerous times and got different people each time and received different responses. Soon Navient took over the loans and I reaplied for an income based repayment program. Again I was informed by phone that I was accepted but I had no notice of what the payment was going to be. Even though I have repeatedly requested that my communications be by mail, Navient never sent me any IBR program acceptance letters, or official notice of how much the payments were. They only send emails. In the fall of XXXX I was informed by phone that I was in the program, but within one month was getting email notices from Navient that I owed payments of over XXXX per month. Every time I called to ask about this, the representatives in the call center ( which was located in the XXXX - I asked them ) didnt know about the IBR program or was told to reapply. At Navient the right hand never seems to know what the left hand is doing. People also told me I qualified for forgiveness because I was a full time instructor for XXXX students. Navient said I did not qualify. 

I am now a senior now XXXX XXXX XXXX XXXX ) and dont know what to do. I am very scared about the future and fear Navient will take my social Security or my home. I can afford a minimal payment, but cant get the loan servicer to commit to a firm arrangement. Please help and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They are asking me to pay money of XXXX dollars to get confirmation number and then open a dispute. 
When I try to call them they direct me to different departments, order, care and complaint. This has been happening for the past 1 year. 
If I try open an online dispute, they say they can not currently process it but ask me to call them and again the same process.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 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: After reviewing multiple credit reports, I notice an unauthorized inquiry was placed by XXXX XXXX on XXXX/XXXX/XXXX. I spoke with a sales person informing them that i was not interested in a new line of credit and I did n't not want my credit pulled!

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 09/13/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Payoff process

Complaint: On XXXX XXXX, 2016, I instructed Citibank to close a secured credit card that I had with them. At the time of the request, my account has a zero balance, and had not been used for close to two months. Subsequently, I received a letter dated XXXX XXXX, 2016 acknowledging my request. It stated that the account in question has been closed. What followed is the reason for my complain, because it stated that it will refund any credit balance within 90 days! 
It took them a day to close my account, they knew then and there that I owed them nothing, there were no pending charges. My question is why does Citibank confiscate my money, use it without compensating me for it. Why does it take more than a few days to return a deposit? Why are institutions such Citibank allowed to extort people 's money? It certainly would n't take that company that amount of time to take me to court, or at least have collection agencies hounding me, or better yet, report my account to all credit bureaus in order to wreck my credit. 
I contacted the company on XXXX XXXX, 2016, 15 days after, and I was told that I had to to wait XXXX to six weeks from that date. The agent confirmed that he had no idea when the refund will be sent, so did his supervisor. 
It is clear that in the absence of regulation on the matter, each institution goes about its own way to swindle the consumers.

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 monetary relief
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recently I reviewed my credit reports from XXXX and XXXX and noticed that Phoenix Recovery Group is reporting a debt on my credit reports that I do not owe. I 've sent them certified letters requesting that they validate this debt. I received a letter from them in XXXX XXXX with a signed copy of my lease and documents stating that I owe monies for rent in XXXX XXXX. I sent Phoenix Recovery Group another certified letter which they received on XXXX XXXX, XXXX presenting them with an email that I received from the Property Manager confirming that he was in receipt of my apartment keys on XXXX XXXX, XXXX. I moved into my new apartment on XXXX XXXX, XXXX which I have the lease for this. How can I owe a debt for the entire month of XXXX if I returned the keys back to them on XXXX XXXX, XXXX? 

I have not heard back from them in regards to the email that I sent and was received on XXXX XXXX, XXXX. After further research I found of that this company is not even legally licensed to collect debts in the state which I 'm a resident of, FL. In addition, they have falsely misrepresented themselves as my credit reports list them as a Collection Agency/Attorney. 

I contacted XXXX XXXX XXXX to advise him that they are reporting incorrect information on my credit report and that I want this removed especially since they are not licensed to collect in FL, not Phoenix Recovery Group or their parent company. 

I have recently been denied credit because of this collection account, this is damaging to my reputation, as I am in the process of starting my own business and this debt haunts me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Here is what I sent : Dear Sir : You need take all of the following off my credit report. It is required by law to eliminate after 6 years ( Colorado ). Needs to be removed from credit report / much misinformation as shown below / 6 years past communication with creditor per Colorado statute : XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payment stopped / never made - XX/XX/XXXX ( Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payment / XXXX XXXX XXXX Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payments stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payments All Payment stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payment All payments stopped as of XXXX XXXX, XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Missed payments All payments stopped as of XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All Payments stopped as of XXXX XXXX, XXXX ( past 6 years ) This is the second request. Respond to my request. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX , XXXX XXXX, Co XXXXPrevious address : XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXXMost if not all of this issue is 7 years or older. Also live in Colorado and I understand it is 6 years for things to be removed. I have not talked to or made any agreements with any bank or organization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 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: This is to follow up on Case number : XXXX. Since filing this complaint there has been no resolution. The treatment I have received from Navient is retaliatory. My original charges were based on predatory lending. I was forced into a payment plan that doubles my interest by capitalizing unpaid interest on my loan periodically and they failed to explain these terms clearly. I still have not been informed which payment plans do not have this hardship clause hidden within the terms. Now, my balance is completely out of control. 

The retaliation piece is that it took over 2 months after a request Navient Consumer Advocate XXXX manager to contact me to explain these plans, despite the fact that I insisted multiple times around XXXX that one contact me. ( Horrible, horrible customer service. ) After another month of phone tag I finally spoke with XXXX. I still am not aware how to avoid paying double interest, and the details of the different plans. In any case, the cost of living is out of control and the best payment plan he offered is impossible. I told him what I could afford and he was unwilling to work with me. 

I also asked for a statement from Navient CEO XXXX regarding how secret double interest payment plans falls in line with his mission statement that involves helping students reach financial success. Needless to say I have not heard from him. 

Furthermore they are extending the process and willfully inflicting mental distress by making me resubmit information I have already given them to allow me to go into this new payment plan, which I can not afford. 

Is the goal of Navient to force people to default on their student loans by being predatory a lender and servicer? This is literally threatening my financial life and it can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Four and a half years ago, I attempted to short sale my property and vacated the residence. I let the bank know that I was unable to maintain the mortgage for the property as well. At some point the property was secured. XX/XX/2015 I was informed that Caliber Home Loans had taken over the home. I reached out to them to find out how to get the home out of my name and to find out if they would be foreclosing on the property. They could provide no timeline as to when things would progress, when they would attempt to resell the property or if they would foreclose. At this time I still have no information and am burdened with additional financial hardship because the home continued and still continues to accrue Condo Association fees since the time that I vacated. I have not received any documentation that it was still accumulating and thought that since the bank had taken possession and changed the locks that they would now be responsible. It was not until I found out a judgement was granted against me for over XXXX dollars and a they started taking XXXX % of my check each pay to pay the judgment amount that this was not the case. In the mean time the Condo fees continue to accrue. I do not know what period the XXXX even covered so I may be subject to more past due balances that I do not have the funds to pay. I spoke with a realtor to possibly relist the property as a short sale because I owe almost 3xs as much as the current market value and because of the lien/judgment she stated that this may not be the route I wanted to take due to the amount of time it could take to even get an offer which would then have to be accepted at a time when the market is low in the neighborhood in which this home is.. I am pleading to get the process moving forward to get this home foreclosed on or what ever the appropriate measure may be to get it out of my name and stop the bleeding with regards to the condo fees. I can not move forward with my life and start over until the bank does what they need to do with regards to home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing another complaint on the following unauthorized and fraudulent accounts that 's listed on my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, MN Child Support Enforcement and XXXX XXXX. The following credit inquiries are unauthorized and fraudulent as well : XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX , XXXX/XXXX/XXXX. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: I recently got almost XXXX taken from my checking account from a 3rd party global collection from Bank of America.. They said it was. " tax levy indiviual " withdrawel from XXXX an audit done on my taxes from XX/XX/XXXX. I also have a mortgage issue with Bank Of America where i pledged my stock to get a mortgage when i got another company to pay that loan, BANK OF AMERICA is refusing to have ever taken my stock as collatorall and XXXX will not speak on it they sold my debt to XXXX XXXX in XX/XX/XXXX! Can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (AZ).
Issue: Problems caused by my funds being low

Complaint: I was/am a Wells Fargo ( WF ) customer who was a victim of the scam/fraud that has been in the news lately. 

My story : I opened XXXX checking account and XXXX savings account with WF perhaps 10 years ago. However, about 3 years ago, a WF banker said I needed to open a second checking and second savings account. She gave no reason for this action, but opened XXXX anyway as I watched passively. I did not try to talk her out of this action because I was honestly confused as to what was going on. 

In late 2015, penalty charges were made to my account in the amount of {$30.00} per month for 4 consecutive months ( total {$120.00} ). When I called WF to question why the charges were made, the WF rep said, " Because your accounts are not properly linked. '' I had no idea what " linking '' meant and so complained vociferously about the charges saying this was a deceptive practice. The banker said, " You should have read the account agreement. '' I asked where I would find that agreement ; she said, " on-line. '' The banker finally said she would restore part of the charges and I said " no '' I wanted the full amount restored. I was livid. Finally she agreed and the entire {$120.00} was restored. It was restored, she said, because my account was large enough that they did not want to lose me as a customer. 

In the end, I did not lose money, but only because I spotted the charges and complained loudly to WF. And because I had a large balance with WF. Nevertheless, I would like to see my complaint go into the WF file. 

I conclusion, I have found WF to be deceptive about their business practices and continuously high-pressuring in their sales practices. It is impossible to do business with WF and not get a " full-court press '' sales pitch from them on their various products. It 's a terrible business model. They are the enemy, not the trustworthy banker you expect. 

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 explanation
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I mailed a check to Navient on  XXXX   XXXX ,   XXXX  . The check cleared my bank account on  XXXX   XXXX ,   XXXX  .   I checked my student email today, and there was an email from  XXXX   XXXX  stating my account was past due an d may impact m y credit.   I called urgently today at  XXXX  to remedy the situation, stating I paid, and they said I mailed it to the wrong place. They said they could bring my account up to date, that I would need to mail them a copy of the check clearing my account, so I said I would and I thanked them. He said it was reported to my credit two days ago, though. That frustrated me because the payment cleared my bank account. Then he reiterated what needs to happen to fix it.   THEN, I received a recording stating I agreed to go into forbearance. I disagreed, because that is not what needed to happen and asked to speak with a supervisor. The supervisor said I needed to go into forbearance or allow my account to remain past due. This is unacceptable for someone who has paid her bills, the checks have cleared, but they did not apply it to my account.

Company response to consumer: Closed with explanation