milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I took out multiple loans over the course of my 4 year college education. I had no idea how predatory these loans were and the harm I was doing to myself in the long term. When I graduated I owed {$32000.00} between different subsidized and unsubsidized loans. Not knowing what I was doing or what I had set myself up for I defaulted on all my loans and eventually owed over {$63000.00}. I was put on a rehabilitation program and after a lot of time and money, I have my loans down to {$41000.00}. Navient provided no assistance throughout this process and I 'm currently on an income based repayment plan because of a third party company. For years my payment was about {$210.00} and my interest monthly was {$180.00}. I was throwing pennies at this mountain of debt with no end in my lifetime. I imagine this dark cloud of debt hanging over me for the rest of my life. 6 years after graduating college in XXXX, I owe nearly {$10000.00} more than I did.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had our student health plan. It shows on my finance report. I put at my attachment. And I did payment the bill. I also got the refund on that one year later. I do not why they still put the Negative Accounts on my credit report. keep hurt my about XXXX point on the single one case

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 11-09-2017 about Debt collection (I do not know) with KelKris Associates Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On correspondence dated XXXX XXXX, XXXX, I wrote to this company asking for Validation documents for account numbers : XXXX, XXXX, XXXX, and XXXX. More than 30 days had past and this company has not sent me any validation documents. For account # XXXX, there is an issue with the original creditor, " XXXX XXXX ''. My secondary insurance was never billed.My secondary insurance became my primary insurance for my XXXX/XXXX/XXXX and XXXX/XXXX/XXXX visits and again was not billed at all. This account has been sent to collections in error. Attached to this complaint is a copy of the bills on those dates. I know for a fact that XXXX XXXX is already out of business for more or less 2 years now, so I do not understand how this company was able to verify the information they are reporting. This is a violation of Both FCRA and FDCPA. For the other referenced accounts, I have never received any validation documents as well. Almost two months and nothing has been sent to me to prove the validity of those items.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit card () with Radius Global Solutions LLC (CA).
Issue: Closing/Cancelling account

Complaint: I received my credit report from XXXX and XXXX roughly in the same month of XXXX XXXX. 
My issuse is this ... ..as I compare the information on both reports I couldnt understand why XXXX XXXX failed to listed the original credit amount for this negative account. It is also clear that this account was opened XXXX XXXX and first reported XXXX XXXX. After calling XXXX XXXX to get a clearer understanding on my debt I was in formed that they had no record, dates or credit history. I was directed to another company that was not even on my reports. 
Ater contacting the Central Credit Service they to were unable to produce any verifiable documentation. This account was charged off according to XXXX and XXXX yet XXXX is claiming I have a past due amount. But again there was no documentation for me to agree with it. The balance amount was supposedly {$88.00} while the past due amount was {$76.00}. Im completely helpless in this situation. The damage that it has done to my credit score and my ability to establish other credit can not be undone. I do note recall recieving merchandise from MW at all. If I had this account since XXXX XXXX why dosent the account reflect the payments on it to project any positive reports. I have been affected by both XXXX XXXX and Central Credit Service long enough. If the account was mine all the had to do is forward me the bill and I we all would have saved time and money.

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 01/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: someone give me a fraud check and I suddenly deposit it thru my account. I just wan na help but I did n't realize that check is fraud and he keeps calling me to send him the money after I put in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with RAS LaVrar, LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I met with the attorney at a hearing in XXXX county court, She was very helpful and suggested that I contact her firm to arrange a payment plan on a debt that I owe XXXX, I called RAS Lavrar , LLc XXXX XXXX and spoke to XXXX and after answering all the questions multiple times and not getting any results I asked to speak to a super viser, Had to wait in line for a while, ,Finally XXXX XXXX got on the line and asked me the same questions, I told her that I had all ready gave that information to XXXX, but she insisted and said that if I wanted to speak to her I had to answer all the same questions, Again I felt that this is a tactic they use to intimidate you, Now that I had answer the same repeated questions she hung up on me, She call me on my cellular phone just to check if my phone number was ok, She said that we lost connection ( Liar ) and she started to asked me the same questions once again,, i told her that it wa unprofessional to deal with them and I was going to file a complaint, C'mon this people should not be in business pretending that they are going to help you instead they play with your mind, your time, your integrity, " `To a point that you know that they are not going to help you whats so ever " " " " " " " " " SHAME ON RAS LAVVAR LLC XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX Shame on XXXX and XXXX Sincerely a very disappointed client of XXXXt

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I signed up for {$1.00} credit report with Experian. Little to my knowledge it was a 7 day free trial. I called and complained and was on hold for over an hour. They were charging me {$21.00} for something I did not need. They only refunde d a one m onth subscription and canceled my membership. When I looked online there are over a  thousand  complaints just like mine. Please put an end to this practice and tell people not to do business with Experian.

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 10-11-2016 about Credit card () with CITIBANK, N.A. (RI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Macy 's credit card always paid in full has a XXXX balance. I get an email for a purchase on XXXX XXXX 2016 for a purchase I made in XXXX NY. Knowing I have never been to XXXX I contact Macy 's, they close the account and open a new one and file an investigation. XXXX XXXX I get a call stating I am late in payment. Macy 's internally has taken past payments and fraudulent charges applied it to new card and then report to credit bureau that i am 30-60 days late in paying as they took my earlier payment from XXXX off of the original account.

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 05-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX and XXXX XXXX XXXX XXXX XXXX wants to charge me administrative fees, interest, and penalties. 

I departed XXXX XXXX on terminal leave in XXXX, XX/XX/XXXX 

XXXX paid final separation payment in XXXX, XX/XX/XXXX 

In XXXX, XX/XX/XXXX XXXX alleges they overpaid the separation amount. 

XXXX, XXXX and XXXX XX/XX/XXXX XXXX sent notices of the alleged debt to XXXX XXXX, per XXXX by phone XXXX XXXX, XX/XX/XXXX, the base I separated from. None were sent to my home address. Meanwhile XXXX has been sending XXXX Account Statements to my home address in XXXX, XXXX XXXX 

In XXXX XX/XX/XXXX XXXX reported this alleged debt delinquent to the Transunion Credit Bureau in violation of the law. The change in my credit rating was the XXXX notice I received of the actions XXXX was taking. Upon becoming aware of the Transunion report I contacted XXXX, said contact is still being ignored by XXXX. I will be at their office in XXXX later this week to investigate. 

Are there other retired military members who have had their financial reputations harmed by the actions of XXXX? Is it time for a class action lawsuit?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: After receiving numerous solicitations including a card for Exec. VP to get the Discover card I applied online on XX/XX/XXXX and asked me to provide all the information including copy of my driver 's license and social security card which I did. I did not apply to get more credit as I am only using 21 % of my available credit lines but they offered interest free balance transfer with no fees which attracted me to their offer. They refused because their letter stated " UNABLE TO VERIFY CREDIT REFERENCES/APPLICATION INFORMATION '' This is a total fabrication as I have verified that XXXX provided Discover with a hard copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with Greystone Alliance LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: They continue to contact me, my spouse and other family about a debt that they never tell me abouy. Only debt on my credit report are medical bills most others have been paid or canceled. They say they ha e filed a formal complaint and if no answers theyll contact the proper authorities for next legal steps for jail. I know its a scam but theyre ringing my phone multiple times a day several days a week and it interrupts my work day. The number is XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Debt collection (Payday loan) with United Check Recovery, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Was called on my cell phone stating they had paperwork in order too sue on their desk. Also has called my phone 24 hrs later asking for my husband. I spoke to them on the phone stating that i did not know anything about this and I refused to give them anymore information. The person said then we will sue you.They also are claiming to sue my husband. It is my understanding that I am to be notified in mail if there is a pending suit, not by phone.

Company response to consumer: Untimely response
Consumer complaint received 04-01-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax posted a " major derogatory '' on my credit file that was reported to XXXX not Equifax. I have disputed the item with XXXX and it was deleted. The account was paid in full with XXXX and never should have been reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: Identity theft, withdraws from my personal XXXX XXXX Account, using my identity in another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: BBT HAS ILLEGAL RECIEVED A COPY OF MY XXXX AND XXXX CREDIT REPORT FOR A PURPORTED VECHILE LOAN I NEVER APPLIED FOR, LISTING XXXX XXXX XXXX USING MY SSN NUMBER AND RUINING MY CREDIT REPORT AND CAUSING A MIXED FILE I WANT THE RECTIFICATION IMMEDIETLY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I originally had bought a condo here in XXXX in XX/XX/XXXX with an interest only XXXX loan. The XXXX % was a 5-yr ARM and the XXXX % was a Heloc. I had used a loan officer in XX/XX/XXXX to deal with the bank at the time ( XXXX was first then XXXX then XXXX XXXX XXXX and now Nationstar ) which was XXXX XXXX XXXX. They told us no as I did not qualify for any programs at the time even tho I was never late and had high credit score. At 5-yrs I contacted them myself to same end. Then with the rates so low it adjusted in half and continued to remain low with each adjustment at every 6 months. Then I retired XX/XX/XXXX and XX/XX/XXXX they sent letter saying they were charging me XXXX dollars each month towards principal along with the continuing XXXX plus dollars interest. I have paid at least XXXX dollars interest only on the loan. I called them after receiving the letter only to be told i had XXXX options. Lower rate which I was already at lowest or extend term of loan but that it would cause me to have higher rate which would wash out savings. So they told me to best stay at where I was. I paid the principal only for XX/XX/XXXX then just stopped paying both banks, Nationstar and XXXX. I know Nationstar has several lawsuits against them thus far. No harrassment as of yet, but My loan is going into default then foreclosure soon. I am contemplating seriously Chapter XXXX Bankrupcy. My credit was at XXXX plus or minus til this month.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint is regarding the massive information breach at Equifax that was announced on XXXX XXXX, 2017. Equifax has mishandled my information which led to a myself and millions of other individuals to be at risk for identity theft. I was not notified about this breach by Equifax and found out through the social media platform XXXX. 

The 90 day fraud alert and 2 year identity protection that Equifax is offering in response to this is unacceptable. This breach puts my information within the reach of unauthorized parties for the rest of my life and for as long as my heirs are responsible for my finances. To only offer 2 year protection and expect me to pay for their mistakes is extremely wrong, especially when I have never chosen to do business with this company personally. I will likely also end up freezing my credit score as a safety precaution which will cost me {$5.00} per institution to unfreeze and another {$5.00} to re-freeze. I should not need to provide a police report to waive these fees when Equifax has proof they lost my information. 

This incident is the result of a gross misuse of private information and there need to be heavy penalties as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 'm on SSI and ca n't pay for students loans and I ca n't find out how to get them taken off my records

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: I sent Capital One Auto Finance a letter certified mail on XXXX/XXXX/15, asking them for specific information regarding the account they said I had with them. At this time, I have yet to get the documents I have asked the original creditor to provide. They are still listing this account on my credit report and have not marked this account as marked as Consumer Disputes Account. I was able to confirm they received through the certified mail confirmation as well as them responding to me that they did n't understand my request. My request was very clear and concise and at this point I have n't received the documents I 've asked for and they are still reporting on my credit report. I have included both my letter and theirs below. They are in direct violation of the FCRA ( Fair Credit Reporting Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I stopped auto payment for several credit card companies and they still auto drafted. I submitted claims with Chase to dispute those transactions. They supposedly filed disputes and said they would recover the funds for me, but then 3months later, they closed my account, and paid {$680.00} from my checking account which now has me overdrawn over {$400.00}! I called Chase and they are unwilling to help. Please help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I already have a complaint opened, XXXX pertaining to flood insurance. This was opened on XX/XX/XXXX. I have only received XXXX response to this from my mortgage company, NationStar. This was dated XX/XX/XXXX and they said they would respond by XX/XX/XXXX 
I saw on this site that they responded to the CFPB that they would respond by XX/XX/XXXX. I have heard nothing, until today when I XXXX again received a copy of the original letter stating they are going to raise my flood insurance. I need to know something? What is going on? The mortgage company is not responding. Help, please I can not afford a large increase in my insurance. I thought this was settled in XX/XX/XXXX when XXXX XXXX XXXX tried to do the same thing and the CFPB had to intervene. I have not changed anything on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants Credit Bureau, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Merchants credit bureau XXXX is re-aging an account.changing the dofd to several years later..this account has been in collections over 7 years..after contacting them directly they denied..each cra has different dates for removalXXXX has it listed to be removed XXXX and XXXX shows they reported XX/XX/XXXX..collection agency stated it will remain on there till XXXX This from a fire utility company who in XXXX quit billing consumers themselves and starting in XXXX fire fees began being collected with XXXX.also after contacting the CA by balance changed by XXXX on my credit reports probably because they had to send some proof of the account and the one they provided conveniently has no year showing but a balance XXXX less than they had been reporting.I explained that my account was sent to collections in XXXX and they claimed it was a different account but impossible ..I 've only lived in XXXX place in the district the entire period..attached will be my XXXX showing the account being older than reported and XXXX being as if a newer account also a paid tax bill from XXXX showing fire was included in taxes beginning that year. I can furnish more if needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The dates and loan amount default need to be checked.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I believe that the XXXX credit bureaus are grading my credit report in a discriminatory fashion and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.

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