milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with Nationwide Debt Management Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Nationwide Debt Management Solutions , LLC  (   XXXX   ) Ke eps calling over and over harassing myself, family members, friends and my fianc family.     They call over and over, one call seconds apart. I have asked them to stop they keep calling and are now on to calling these other people.     They are not just asking for me, they are asking for my fianc as well, she has nothing to do with this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit card () with PNC Bank N.A. (FL).
Issue: Billing disputes

Complaint: I was first solicited XXXX by phone. I paid a deposit of {$4600.00} for a business opportunity. I was supposed to receive including but not limited to the following : XXXX XXXX XXXX, Page Setup : fill out available fields, custom URL, News feed builder : Like XXXX industry or niche leaders, Install FB Badge onto client 's website, discovery report, competitor & industry analysis, research client 's business model & offerings, Identify targeted customer audience : demographic, behaviors and interests, develop final discovery report detailing findings, strategy report, determine top engagement best practices, XXXX, consulting, publishing & scheduling post. I did n't understand alot of what was going on. Everyone was telling me not to worry they would help me. I admit I do n't understand alot about the computer and have related that information to them. They took advantage of a senior citizen. I requested a refund in my demand letter, because I was n't given the face to face attention imperative for my success which I was guaranteed before signing our agreement. On that basis, to date I have never used their services and was n't given the product as described. I am aware that there is a duration in which you can dispute a billing item with your credit card company but these are unordinary circumstances and therefore an exception should be made under the " claim and defense '' regulation. My credit card company should provide a certain level of protection to me. Please have my credit card company investigate the issue and refund the monies paid out when I was under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is the second time this has happened since  XXXX . My unpaid interest was capitalized because FedLoan Servicing, the company managing my loans, did n't " receive my documents in time '' for Income-Based repayment.     In  XXXX , I began the recertification process on  XXXX   XXXX , sending documents to FedLoan Servicing. I was never told what date I needed to recertify by. So I started the process when I got an email telling me I should. I was told they did n't get them in time because they are so busy, so my unpaid interest was capitalized on  XXXX   XXXX . My balance jumped from  XXXX  to  XXXX . My next months payment was {$1000.00}. Then my plan would continue on Income-Based repayment the following month.     This year, I sent in documentation on  XXXX   XXXX  after receiving an email to recertify. I was emailed on  XXXX   XXXX , told my recertification was " on hold '' so I called the company. I was told that due to an error when I filled out the digital paperwork ( following the instructions on their website ) my recertification was on hold. And that it would n't make it through on time due to FedLoan Servicing being behind schedule. My interest would capitalize and my payment would be {$1100.00}. My balance is now {$110000.00}. And it is through no fault of my own.   Again.
This is unacceptable. I work hard to pay what I can afford and am being pena  lized unfairly by a company that has no interest in resolving my debt, but is more than happy to increase it. Even when it is due to their own negligence.     Because the scenario that is playing out is this. I pay what I can afford because my job does n't pay me much as I serve the public. But the unpaid interest that accrues is substantial because my job is n't as lucrative as it is beneficial to the community. FedLoan Servicing is incentivized to fail at properly scheduling things. It is incentivized to put my paperwork on hold. As any delay in the processing of my rectification means an increase in the principle of my loan. The higher the principle, the more interest they can collect. They know that I 'm struggling to keep up with my principle and interest payment, so they know I will accrue more unpaid interest. And, FedLoan Servicing is again incentivized to slow down the processing of my paperwork to, again, capitalize my unpaid interest. That means they can charge me more.     The proof is in my principle inflating from {$99000.00} in  XXXX  to {$110000.00} in  XXXX  despite regular on-time payments, multiple extra payments, and following instructions laid out by FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: XXXX XXXX XXXX XXXX XXXX ( CT ) loan then sold to XXXX XXXX in XXXX then sold loan to Navient in XXXX. Paying regularly until XXXX, XXXX. I started back to school XXXX in XXXX XXXX. I was told 3 times in XXXX, XXXX and XXXX, XXXX, that my loan would be deferred ( 48 months ) because I was a full-time student. I filled out all the paperwork and my school did also. On XXXX XXXX, XXXX, I received XXXX letters from Navient each saying a different thing about the loan. My University reports monthly so I waited till start XX/XX/XXXX for reporting. I started getting dunning calls about my loan being was late. After three 45 minutes call with XXXX " managers '' I am " UNABLE '' unable to use my last two months of deferment that I am eligible for according to loan documents cause it DOES not fit into their bill cycle. They can help by lowering interest rate to 1 % and payment goes to {$160.00} a month. I requested copies of the loan documents at end of XXXX, XXXX. The loan documents sent were dated XXXX/XXXX/XXXX, and post marked XXXX/XXXX/XXXX, and I did NOT receive them til XXXX/XXXX/XXXX. I am called atleast 6 times a day by the automated dailer from area codes from XXXX, XXXX, and XXXX all without them leaving a voicemail as to why they are calling. I have explained the situation about their misinformation to me on numerous occasions and that I do not have means to pay because on SSI but they are unwilling to do anything but the above. Please help and investigate billing practices/conversations/collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX states erroneously that Chaper XXXX bankruptcy that was dismissed/withdrawn is the same as a Chapter XXXX that was Discharged, and the Two concepts are completely different : as follows One shows the abdication of debts= discharge The other shows the LACK of follow through and should not be counted against you in a credit file. 


I should not bear the negative consequences of changing my mind ( due to bad legal advice in a divorce ) since it affects no creditors and the item should be removed and my credit score increased

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 've submitted letters and spoken to representative on the phone for Equifax to remove an incorrect name, several inquiries that I did not authorize and incorrect address, but to no avail. They have not responded to my numerous disputes instead they send a letter of the exact information that I am requesting removal of. One representative told me to contact the company to remove the inquiries and I contacted each and every company and the companies referred me back to Equifax. The information being reported with the inquiries, address and wrong name is incorrect and they refuse to respond and remove the incorrect information. I 've submitted my driver 's license, my XXXX and a utility bill several times to remove the info.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Have been trying to get numerous errors of my consumer credit reporting file without success ; have written letters, phone calls etc issues still have n't been remain the account I have an issue with that are reporting on all 3 of my consumer files are Chapter XXXX Bankruptcy per new law that is reporting inaccurately and needs to be removed : XXXX XXXX XXXX Accounts that are reported included in a bankruptcy I did not file and does not belong to me are XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX and XXXX XXXX these account are not mine, are reporting invalid I have not signed a contract with these companies no monies are owed and I would like these accounts, all inquires not attached to an account, and bankruptcy removed from all three of my credit reporting files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (I do not know) with GC Services Limited Partnership (CO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: A man named XXXX XXXX called my work and left a message on an administrative assistant 's voice mail. The voicemail was forwarded to my phone. When I returned the call, thinking it was work related, the lady on the other end refused to tell me what GC Services do or why XXXX was calling. When pressed she stated it was a financial services company. I asked what that means and listed off a number of financial services that she might be referring to. She declined to admit she was a bill collector. XXXX was the number left and GC Services was the company name. I have no way of knowing what may have been said to my employer but I plan to take legal action. I will not be calling XXXX back in 45 minutes as instructed and if he calls my work again, I will save the message this time. I will never be able to pay off any debt if greedy companies keep calling my employer and XXXX up my employment situation. My phone number is posted on XXXX, XXXX, XXXX, etc. etc, it is everywhere and totally available to anyone so calling my work is not only not necessary, it 's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Debt collection (Auto) with Sentry Credit, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received limited information from Sentry Credit XXXX Inc XXXX Under the fair debt Collection practices Act I demand full disclosure of information to validated the debt with specific documents.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX inquired on my account recently and within a few days of that Inquiry I rec 'd a credit card from an online retailer of consumer products. THIS must be more than a coincidence ... I did NOT request a credit card from any online retailer AND I have destroyed the card and requested the card company to notify all credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Managing the loan or lease

Complaint: On Thursday XXXX XXXX, 2016 at XXXX XXXX, while working XXXX my boss sent me a text message stating that she needed to discuss a matter concerning my finances from a banking institution that intertwined with a client of mine. When I returned to the office, from my break, I received a phone call from my client stating that a letter from Navy Federal Credit Union was address to me with his address on it. I asked the client to come to the office immediately and when the client got to the office he showed me the letter, which did in fact have my name with his address. The letter contained my personal loan information, such as the loan number, the dollar amount of the loan, and a pay off amount to clear the loan. This letter was sent by Recovery Specialist XXXX XXXX with Navy Federal. I called the Navy Federal number XXXX and spoke to a representative and told her what was going on and she told me to call back the following morning to talk with the Supervisory Recovery Specialist. I called back the next morning and spoke to a Supervisor Recovery Specialist XXXX XXXX XXXX XXXX. She told me that she was advised by her supervisor not to discuss this matter with me. I asked to be transferred to another supervisor and was transferred to a supervisor with the last name XXXX. This person told me that Navy Federal did n't do anything wrong and would not tell me how she got my client 's address or how my client 's address was linked to my account. When I requested to speak to her supervisor she refused to put me in contact with her supervisor and hung up on me. My employment with the XXXX was terminated seven days after they were notified of the letter.

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 03/24/2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Customer service / Customer relations

Complaint: Synchrony Bank, an institution with whom we have a line of credit, has several times called our cell phones stating that there is a payment due when a payment has been made the previous week. Also we are getting robo-calls to our cell phones from this bank which are intended for other account holders of this bank. This seems to be a violation of both the FDCPA as well as the TCPA.

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 06-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Navient, for our student loan, calls our home every 30 -45 min utes, beginning at  XXXX  and ending at  XXXX - XXXX  we are behind on our loan. we have called them to set up a payment plan. Even when a payment is made, we still get the calls because we have not caught up.  <P/> I believe the federal trade commission says that numerous calls a day is considered harassment. I have tried to get navient to stop the calls and they refused, denying that they even call that often.  <P/> It is very upsetting to get calls every 30 minutes, every day. and then they deny they are doing that, and refuse to help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We have been dealing with XXXX Bank and Bank of America for more than 4 years trying to work out a loss mitigation settlement on our home. This story is hard to tell without giving some details. We stopped paying our mortgage in XXXX 2011, after seeking the advice of several professionals ( real estate agents, attorneys, and financial advisors ). Our property had lost half of its value, and we were literally throwing money away. We had tried to refinance with our lender for 2 years before we stopped paying. 
After losing my job, we put our house on the market hoping for a short sale. Over 4 years, we had XXXX short sale offers XXXX XXXX, a cash offer for the fair market value of the property ). Every time we had a sale, we would submit the paper work to get approval for the short sale. Every time it was rejected. Recently, we have been trying to get a deed-in-lieu of foreclosure, since short sales are no longer happening in our area. Buyers are not willing to put up with the red tape involved with a short sale. 
We feel that we are dealing with a conflict of interest -- -- - Bank of America who owns the mortgage and XXXX Bank servicing the mortgage, and another arm of XXXX servicing our HELOC. We have to work with XXXX Bank regarding all the paperwork, but they tell us that Bank of America 's investors will not give us a deed-in-lieu, but with no explanations as to why. Bank of America was ordered by the courts to resolve these situations with the government settlement they received. 
We had never missed a mortgage payment and had excellent credit, until the housing crash forced us to make some difficult decisions.We did nothing to cause this situation. Our home was supposed to be an investment to supplement our retirement. Now we start retirement with a damaged credit rating and a house we can no longer afford. 
This system is entirely broken. We have spent countless hours filling out paperwork, working with professionals, and doing research. We have come to the conclusion that it is in the best interest of the banks to deny anything which benefits their customers or the XXXX economy. Our tax money bailed them out, but they are not helping those who were hurt by their reckless behavior. 
Any assistance or advice you might provide would be greatly appreciated. We feel strongly that hearing our story might spur future legislation curtailing the power of the Banking Institutions in this country.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I submitted proof of insurance for this expense and the party received payment. I disputed this collection attempt with XXXX and it was removed from my credit report. It has now been added again. Please remove this, as the debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Title loan) with Time Investment Corporation (NC).
Issue: Lender repossessed or sold the vehicle

Complaint: I took out a title loan on  XXXX / XXXX /  XXXX   with a company cal led Time Finance  located in  XXXX , NC. I ran into some financial hardships after completing  XXXX   XXXX   XXXX  , and was unable to find employment. As expected the company repossessed my vehicle. I have learned recently that they sold the vehicle at auction. When the loan was taken out they assigned a value to my vehicle that was more than the loan itself. With the repossession, I did n't fight it knowing that there was a balance owed that I was unsure would be paid. I assumed that the loan company could more than recoup its losses with the sale of the vehicle. I was not contacted to be notified of the sale, nor was there correspondence of the vehicle being repossessed. I just came out to find it gone. Later the agency reported to the credit bureaus that the account total was {$710.00} approximately. The entire loan amount was  XXXX  dollars, and at the point which payments stopped the balance was approximately  XXXX . The company, when contacted, told me that they sold the car for {$250.00} at auction, and that the actual balance on the loan was  XXXX  dollars. I fail to understand how they arrived at these figures, and feel that the company has taken advantage of me. They not only took a source of transportation without notice, but they left me unable to secure means to make good on the loan. My life was left in shambles, and now they essentially want me to pay the full balance on the loan, not including the damages and payment they 've already gained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: With all  XXXX  Credit Bureaus Transunion,   XXXX   and  XXXX .   I have been going through this for a years. I have been disputing items off my credit report for a year they come off then they get back on Now with all of a sudden i own a house a car i never in my life owned a house i never in my life had a drivers licence i put a identity theft alert on all  XXXX  of my credit reports because i recently found out i got my identity stolen last year so i started looking into my credit report and find a lot of things on my credit that did n't belong to me. now i am the  victim that needs to proof that I do n't have a car or a home. There are Medical bills that were paid late by my insurance company still on my credit report and still wo n't be removed i have been disputing this since last year. A   XXXX    cable company that Does  not belong to me because like i keep telling them i have  XXXX  and i have been a customer of them for years and still am. I have so many different addresses on my credit report that i never lived at. So many discrepancies and nothing gets done. Until when what else do  i have to do?? I have Attached my I.D, Police Report and my S.S. thinking that hopefully things will get solve but no they what more and more information from me until when do i have to keep going to this?? hopefully this will be the end of all this mess!! Please Help tell me what i need to do.

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