milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: i have been trying to pay my loan back for months with navient. i cant even make an account online. When i try to, it tells me to call them because there is something wrong. so i have been. Heres what i have found out ... i cant make and account because there is another account separate from mine and from me with MY social security number but a different Birthday. so i can even create an account to pay my bills or check my status or even have an account. This has been going on for MONTHS and i dont think they are even trying to fix it. they are charging me interest, they are harassing me by phone and mail, telling me i need to pay them, threating to report to the credit companys. Please help me! someone has used my SS # and opened another account with navient, i cant pay my bills on my own account, and its gaining intreast, and they are doing anyhting about it? PLEASE HELP ME ... PLEASE ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Mortgage (Other mortgage) with EXPERT GLOBAL SOLUTIONS, INC. (LA).
Issue: Application, originator, mortgage broker

Complaint: NCO Group performed a hard inquiries to my XXXX credit agencies without my knowledge or permission. This impacts my credit. I want it removed. NCO Group XXXX, La XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with CITIBANK, N.A. (AL).
Issue: Application processing delay

Complaint: some open a account in my name citi card I do n't know how who did it a address has been add to my credit report spoke to citi Bank nutting has change it has affect my credit

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 04-04-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I discovered inaccurate information placed on my credit report by Portfolio Recovery Associates. I immediately took action. I called all XXXX credit bureaus and made them aware of the situation. As a result, they disputed the account. A week later Portfolio Recovery Associates responded to XXXX, electronically, stating " the account will remain on credit report. '' This raised even more concerns!! I did n't think companies could report inaccurate information on people 's credit and get away with it!! So, I sought out legal advice. I was made aware that I could write Portfolio Recovery Associates and demand that they send me legal proof and documentaion of the debt, Debt Validation. I was also warned to send my request certified mail to be sure they received it and could n't claim they did not. I am aware that Portfolio Recovery Associates have XXXX days from the date they receive my letter to respond with the legal documentaion.. I sent XXXX letters to Portfolio Recovery Associates, each certified, XXXX to their corporate location and the other to the location listed on my credit report. XXXX letters were received and signed for at each location on XXXX/XXXX/2015. XXXX was singed for at XXXX XXXX and the other at XXXX XXXX. the clock started on that date. XXXX DAYS LATER, STILL NO RESPONSE!! I never received a response from the company!! I am now demading the immediate and complete removal of any account reported on my credit report by Portfolio Recovery Associates. Portfolio has failed to send the legally required validation of debt. their firm has violated the law!! The Consumer Credit Protection Act, The Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Plus many more. Portfolio Recovery Associates have communicated and continue to communicate incorrect and defamatory information to third parties and the XXXX major credit bureaus. It is time for this to stop! I have suffered and cotinue to suffer damages. I am very upset at their firm 's business practices. I have suffered emotional distress from this. I am demanding that they delete any items they are reporting from my credit as soon as they receive this response from cfpb! Hopefuly they will respond to you guys because they have refused to do so with me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This is m y 2nd complaint about this and nothing was done the 1st  time. I am including the copies of my letters as well as the proof from my credit report. This complaint is against all  XXXX  bureaus for different reasons, which are listed below. My identification is attached as well.      Secti  on ( 609 ) Rules of Reporting : Section ( 609 ) of the FCRA is a Consumers Disclosure section which is to provide for the prot ection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to prove an account is mine. To positively prove an account is mine, the creditor must provide the credit bureau a copy of the original creditors documentation ( whatever I filled out and signed upon opening the account with the reporting creditor ).     The FCRA was enacte d by Congress to pr otect consumers from unverifiable accounts and information from being reported on my credit report. Without documentation, the credit bureaus have NO right to list my personal financial information on my credit report. The credit bureaus are required by law to verify and validate every single account on my report.     Experian : they are reporting the wrong filing date - this was not filed on the  XXXX  of the month. They are also not reporting the accurate name of the court.       XXXX   : They are reporting a filing date that does n't belong to this CENTURY! See my credit report attached. The docket # is incomplete. The court name is inaccurate, incomplete as well as does not include the city or state. They  have " A '' for t he liability amount.       XXXX   : Wrong date filed. Was NOT the  XXXX . Incomplete docket #. Not reporting city and state for the court. No liability listed.     I 've already gotten my attorney involved and have made complaints individually against the bureaus with the attorney general for this matter. They are required to go beyond the original source of info to make sure that what they 're reporting is accurate. They have n't done that. They 're required to physically possess the documentation to verify their reporting is correct and sectio n 609 pro tects me against this reporting.     See proof attached.

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 04/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: APR or interest rate

Complaint: I set my credit card to pay via ACH for the XXXX cycle of 2015. Per the vendor, the amount posted of {$6200.00} was declined by my bank. Per my bank, no amount was ever posted against my bank account. Regardless, after getting an email from the vendor, I paid the full amount outstanding on the account as of XXXX XXXX, 2015, {$7700.00}. The vendor continued to charge me interest for the next XXXX months on purchases that were made after the XXXX of XXXX - the date on which I had a XXXX balance. I 've called the vendor to complain and was told that the interest was for " residual interest. '' I explained that I understand the concept of residual interest but that because my balance was at XXXX, there ca n't be any interest on a XXXX balance. I spoke with XXXX other icustomer representatives and Interest in the amount of {$210.00} that the vendor asserted I owed in the XXXX statement was verbally credited back to my by a customer representative and I was told that I would see a credit on my account in the next XXXX days. However, the vendor asserted that even though my balance had been paid down to XXXX, I am still liable for a total of {$190.00}. The maximum amount that was outstanding for the ten day period was {$7700.00}, the total amount due on my account on the XXXX of XXXX, per the vendor. {$190.00} for ten days of a balance at a maximum of {$7700.00} is nearly 100 % interest. Per the 15 % stated by the vendor, I should owe approximately {$31.00}. I have closed this account with the vendor. I have contacted the vendor on XXXX separate occasions about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with Professional Finance Company, Inc. (CO).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I was served on XXXX XXXX under deceptive and adusive tactics. I filed a counterclaim with the court and fought very hard to get to mediation however my counterclaim was dismissed before ever getting to argue my complaint. I believe I have a right to know either the name of the server or the company they work for. The plantiff directed me to the Register of Actions with the Court however that info was missing. I have been under extreme mental stress from this bankruptcy and have recently started new medication for XXXX specifically because of my financial situation. 
Case number XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Been receiving harassing phone calls from synchrony bank concerning a sam club credit which I do n't have. I contacted the bank and was transfer to sam club credit. Sam club credit acknowledge that they have no record of me. I ask for the phone calls to stop but they still keep coming. Been receiving these phone call for a month, several times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2016 about Debt collection (Payday loan) with GMA Investments, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a phone call from a debt collection company called " Summit Receivables '' located in Nevada. They claim they are collecting on a debt from a company that I did not recall taking a payday loan. I have paid many of these pay day loans off and validation of payment. I requested a written validation of debt letter to be sent to my home. They wanted payment over the phone via a credit card. I will pay the debt but will not do so over the phone with a credit card without a validation of debt.

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 01-11-2017 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (CT).
Issue: Other transaction issues

Complaint: I filed a dispute for non-receipt of product/service for a purchase made today, XX/XX/XXXX, in the amount of XXXX. The transaction ID is XXXX, email is XXXXXXXXXXXX. This appears to be some sort of scam as the person ( s ) who received the funds do not reply to direct messages via XXXX and or email, a video was ordered and not received. The person ( s ) no longer reply to direct messages as well as emails, they were reported to XXXX as spam/scammer. I advised Google Wallet, the service used to send the funds and dispute was filed. However, due to past experience with this company, Google Wallet, they do little if anything to resolve disputes. I previously filed a debit card dispute for a deposit in the amount of XXXX left with a XXXX dealership and had to go to merchant directly, filed several complaints, before merchant agreed to refund. Google Wallet did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Since XX/XX/XXXX, I have reported that I am no longer liable for this account since it has been 7 years that it was first reported to XXXX. This account is for XXXX XXXX which has been closed for over 10 years. I have repeatedly requested that XXXX remove this account from my credit report but they continue to disregard my wishes. This account was closed in XX/XX/XXXX and should not be on my report anymore. The creditor reported this account again to XXXX on XX/XX/XXXX due to my dispute did not delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: According to the company we owe this amount of XXXX. However, we left the premises voluntary. We used the security to hold us for the last months rent. So therefore, this information is incorrect as a whole.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: The Rushmore Loan Management Services LLC holds the loan on my mother 's house. The property is being sold " as is '' because she can no longer financially carry the house or manage it. There are two departments at Rushmore the Loss Draft and Loss Mitigation departments. We are currently dealing with both. 
The problem is that the two departments are not in agreeance on how we should resolve our situation. The contractor should be paid by Loss Draft for his work which Loss Mitigation wanted done before they could proceed with the sale of the house. Rushmore Loss Draft is refusing to release the funds. And Loss Mitigation will not accept or process any offers if all issues are not resolved prior to it coming to their table. 
The longer Rushmore turns down offers, the worse the situation becomes for this inner-city house. The house is vacant now and has been broken into several times. We have called repeatedly but we have been refused a three-way conference between the seller and the two departments. 
They have repeatedly given us excuses as to why they can not provide funding. Rushmore agents never give us the same information twice. They will not put things into writing and have even called to say they gave us the wrong information and will not honor the cash amount they said they would offer the contractor because they did not read their own notes clearly. This is very unprofessional and unacceptable and should be addressed immediately. 
There is a huge disconnect between the two departments which ultimately leaves me, the seller, at a loss and at a stand still.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Credit card debt) with Forster & Garbus LLP (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Complaint against : Forster & Garbus LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Upon receiving a letter from this law firm on XXXX XXXX, XXXX and phone call made on this matter of judgement/execution for asset acceptance of incurred credit card opened in XXXX with a payment made in XXXX, I wrote a formal letter to this law firm for false claims and harassment in the form of wage garnishment that included my employer 's address. I have declared myself a victim in concerns with Forster & Garbus LLP actions and highlighting their illegal actions under the FDCPA guidelines concerning to collect with submission to ownership on a time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I just received the fourth notification letter from SYNCHRONY BANK since XX/XX/XXXX of this year about needing additional information associated with a credit application ( three were associated with WALMART and the most recent dated XX/XX/XXXX for JC PENNEY. Trouble is that I have not applied for a credit card with these companies. Within a day or two of receipt of the notifications I called the number listed within the notification letter to complain and was told that their fraud department would be notified to prevent issuance of a card for my name and address but apparently they do not know how to stop processing applications under my name and address or their fraud department is a bit indifferent as to this type of harassment.

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 12/21/2017 about Debt collection (Other debt) with Account Control Technology, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: On XXXX/XXXX/2017 the company Account Control Technologies contacted me by phone at XXXX which is my local time as I presently reside in XXXX XXXX CA. This is way before the XXXX requirement and was extremely disruptive.

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 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I can not access my account through money saving apps such as XXXX. 

Please allow me to use these features

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filled once already with this agency and this was supposed to be removed. I have again received another letter for the exact same account. This is now harassment. I do not owe this!

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (PA).
Issue: Managing the loan or lease

Complaint: This is the issue I DO N'T HAVE A LOAN with this company. Supposedly XXXX XXXX used me as a REFERENCE ( without my permission ) on her car loan at Coastal Credit LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, Phone - Customer Service/Collections : ( XXXX ) XXXX Coastal Credit calls me on a consistent basis looking for XXXX. So far Coastal Credit has called XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I have asked Coastal Credit on at least XXXX occassions to STOP calling me. Coastal Credit keeps indicating XXXX gave them permission to call me by using me as a REFERENCE. I Stressed to them that I did NOT owe them any money and QUIT calling me. Coastal Credit keeps stressing they are going to KEEP calling me until I get XXXX to contact them. That is BLATENT HARASSMENT!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been getting phone calls by various locations several times a day back to back to back. I do n't answer random numbers so I blocked some and just let others ring for weeks. After about two months i decided to answer it and it was my Bank ( Bank Of America ) calling from an automated line and I was furious after finding out that it was an automated line blowing up my phone for months. This was a call to collect a debt. I was so confused what I was in debt for so I called the number they gave me. I 'm always so scared to fall behind on my credit card which is why I set up automatic payments to come straight out of my XXXX debit card to pay my BOA credit card. So I decided to call and after waiting on hold for 10 mins they had told me that my credit card is almost {$700.00} past due. How is this possible when my credit card limit is only {$500.00}. I should have only only had about a {$200.00} balance on this card. They never told me that those automatic payments expire after a year. They had all the wrong information in there system. They had the wrong address so I was not getting the statements to be warned I was missing payments. The lady I spoke with had told me I can have these late fees waived and I said yes absolutely, however i would have to pay the initial {$200.00} balance before waiving the fees. I paid the balance off and updated my info in the system and she said I would get my new statement in about a week. I finally got it today which was about three weeks later and it still says I owe {$350.00}. Futhermore they set up my automatic payments again to start paying for the late charges. The fees were never waived and I dont think it is very fair that I owe them this money when I received zero notification of the late fees and the fact that my automatic payments expired. Not to mention in the process of this they revoked this credit card, so I have no credit card anymore and they still expect me to pay these fees when Ive already paid what ive used on the card.

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