milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Mortgage (FHA mortgage) with RELIANCE FIRST CAPITAL LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: We were approved for a mortgage. All the necessary deposits were made. All necessary information was given to the mortgage company. The day of settlement, just hours before we were to sign the papers, the mortgage company backed out. Leaving us with only a week to find somewhere to live. There explanation was that we had a late payment due to me being laid off for 9 months in 2013. Why can a lender do this just hours before settlement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This account was deleted from my one of the credit reporting agencies that I filed the dispute with because it could not be validated but yet it stills remains on my Experian credit report and it was deleted from my XXXX and XXXX because they could not validate the debt. I will like this investigated and for this account to be removed.

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 12/29/2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The company XXXX XXXX XXXX is not licensed in the XXXX of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I had a car loan with Santander Consumer for almost 3 years. When I decided to switch for a lease, the loan balance was paid off but there is not an option in their website to stop the automatic monthly payments drawing from my checking account. I should 've called them earlier but did n't do it and they drafted one more monthly amount of {$320.00} and when I called them they told me a prepaid visa card will be mailed with that amount and that I have to wait a month. I spend several minutes arguing with the guy in customer service asking for a check because I just need the cash and finally they told me that they will do it. The guy told me that he started a process to substitute the prepaid visa for a check. 
A week after another person called me telling me that is impossible to send a check but I will be able to get cash from that prepaid card. So he asked me if I agree with that and I say yes. When I received the prepaid card the instructions said very clear that THIS CARD DOES NOT HAVE ATM CASH ACCESS So beside the incredible high interest I was paying with that loan ( I decided to lease a car so I get rid of that loan ) they want to keep my money for longer time and keep earning fees every time I use this prepaid card in every business I will buy from. I do not need this prepaid XXXX card. I just need my money back in cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted transunion because i had a collection that should not have been on there XXXX. XXXX was XXXX and the other XXXX. XXXX had supposedly sold the account to XXXX. I contacted XXXX regarding this hoping to pay for delete as i am trying to fix my credit they told me they couldnt as it was sold to another company. I was able to sign in to my account on XXXX and they are still requesting payment. I have documentation showing my account and request for payment from XXXX. I requested transunion remove due to i have XXXX collections on same account and XXXX still remains. If it was sold my sign in account should be closed no longer requesting payment. Please help me remove this item.

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 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For years, I 've been forced into forbearance with Navient, which, mind you, they charge you for you, about {$100.00} each time, that you have to pay that day, on the phone, as though asking for financial assistance means having those funds. Anyway, I 've never been allowed an income-based repayment plan. And currently, my student loans from Navient exceed what I borrowed ... and I have been paying on them for nearly 10 years with no relief. And this is n't the only set of loans I have. I make less money than I owe per month for my loans, and I 'm given no assistance. I can not continue to pay the forbearance fees on them, for a 3 month period, in which time I do n't magically make more money. I also feel they 've messed with my interest in some way, because how have these not gone down at all since 2009? I 've attached copies of my statements and proof of payment. But I have to say, to be charged that type of capitalized interest, offered no financial assistance to someone who needs it, and to disqualify me for an interest rate reduction ... it all makes me sick.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Medical) with Rossman & Co & PCB (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently while conducting a monitor of my credit report I discovered that Rossman & COhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Rossman & CO but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Hospital to release my child 's medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than, is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I used to live at XXXX XXXX, XXXX XXXX, Tx XXXX and i joined XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX XXXX XXXX and XXXX. My XXXX started XXXX XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX in XX/XX/XXXX.I relocated to XXXX, Texas in XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my XXXX and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and XXXX.Please find attached document showing details of my schedule and program for my XXXX and 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 non-monetary relief
Consumer complaint received 07/16/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015, I ordered a specific flower arrangement as advertised on the website of XXXX with the understanding that my order would be processed on an express basis and delivered the same day. This did no occur. I tried to use the tracking number provided and that did not work. I attempted several times to call this vendor and resolve the matter. The call center turned out to be a joke. I suspected fraud. I did communicate to the company to cancel my business and promptly refund my money. This never occurred. I learned five days later that this vendor made a feeble attempt to send dead flowers in a cheap vase that I did not ask for or order. When I contacted my XXXX card issuer ( U.S. Bank/XXXX ) I was given a temporary credit. When I submitted all documentation to the fraud division, I was later told by ( XXXX ) that they do not get involved in customer disputes. In fact, he said he did not talk to the vendor at all. Astonished, I asked how this could be classified as an investigation? XXXX just kept to his script even after stating that I bought something that I did not receive. I then pursued by a phone call to have the matter escalated to someone one else. U.S. Bank personnel have been totally unresponsive. I even sent a faxed statement and request on XX/XX/2015 to their XXXX. No response. This is over a month now. I chose a credit card payment method vs. a debit card for more protection. My credit union would have resolved this by now. Not U.S. Bank. They seem completely uncaring. I do have accurate and complete documentation on this matter which supports this statement. I even provided the terrible reviews from other customers with similar experiences who lost their money by paying for something they did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2017 about Debt collection (Medical) with State Collection Service, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was received an alert stating that state collection services was added to my credit report. I never received an XXXX notice, I thought the collection agency is suppose to send a notice to give you a chance to validate

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX services changed my address for emergency purposes. When BOA asked my insurance company to provide proof of coverage the documents show the new address not the old address. I have provided BOA proof of the new address from my county at least 6 times via mail, fax and email. When I call in every person every rep tells me they see the documentation but do not know why it is not fixed and they do NOT have the ability to get someone on the phone. They keep just sending emails. Since this has occurred BOA has threatened me 2 times with buying homeowners insurance at MY expense because they can not get it correct. I have attached the documentation to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have more than {$110000.00} to pay in student loans to Navient, formerly XXXX XXXX. My monthly payment is more than {$900.00} per month! I was in such financial dire straits that I had to file bankruptcy ; however, during the 5 years I was in bankruptcy, my student loans were still accruing interest everyday!!! I think to the tune of {$35.00} per day!!! The amount I owe now is astronomical compared to what I originally borrowed! I was mislead by this student loan company so many times! I 'll never have enough to raise my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: After the recent XXXX data breach, I attempted to place a credit freeze on XX/XX/XXXX at all 3 credit bureaus. I was able to sucessfully freeze my credit using online and phone based systems at XXXX and at XXXX. However, the Experian system is refusing all online requests to freeze credit on XX/XX/XXXX and XX/XX/XXXX. Calls to Experian on XX/XX/XXXX and XX/XX/XXXX direct all credit freeze inquiries to send in paper documents. I can not find any way to contact an Experian representative online or over the phone to discuss this issue. They appear to be deliberately making it more difficult to obtain a credit freeze and provide no way to contact anyone working at the company.

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 11/21/2016 about Debt collection (I do not know) with First Credit Services Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: About a year ago I had a gym membership. I had switched cards and failed to update my information, which is on me. I understand. However after calling through the gym, another company and finally to a company called First Credit Services, I was on the line with an individual who was very vague and seemed to only respond to very fixed statements and out who I was, the gym i went to and a fairly outrageous dollar amount I had to pay. 
After some time and agreeing to a payment plan from them I got off the phone and looked them up very quickly because I immediately had no trust in them. I found out it was a scam and quickly cancelled my card. It 's one thing to try and pay a debt but when I receive no information and am routed to a " comoany '' that was very intent on me making a payment that day for a high dollar amount sent me off to file this complaint. I am not going to help out a scammer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Auto) with Prince Parker & Associates (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX KEPT CALLING MY CELL PHONE 11 TIMES AFTER AI TOLD THEM NOT TO, ALSO FAILED TO VALIDATE DEBT OR REFUSED TO CEASE AND DESIST WE ARE DEALING WITH XXXX DIRECTLY, WENT ON MY CREDIT AS A INVALIDATED DEBT INQUIRY.REFUSED TO CEASE CONTACT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I want the Aged out account information being reported to be removed from my Experian Credit Report and up dated.

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 02/18/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my mortgage to Seterus Inc effective XXXX/XXXX/2016. Seterus Inc sent me a welcome letter dated XXXX/XXXX/16. As this was a holiday weekend ( XXXX ) I did not receive the mail until XXXX/XXXX/2016. Nowhere in the letter did it indicate the total amount of mortgage Seterus Inc purchased nor, the monthly payment due. I sent my payment electronically to Seterus Inc for a payment ( {$1500.00} ) I would normally have paid to XXXX XXXX XXXX on XXXX/XXXX/2016 as I was unable to reach anyone at the XXXX number Seterus Inc has for customer service. On XXXX/XXXX/2016 Seterus Inc sent me an URGENT XXXX letter dated XXXX/XXXX/2016 which stated my mortgage loan may be in delinquency and I needed to send the paperwork in the XXXX package completed back to Seterus Inc as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My account with Banana republic is paid completely and closed XX/XX/XXXX. As a matter of fact, they sent me a check back for overpaid owed money {$600.00}. Yet some how the account was reported as charged off XX/XX/XXXX, despite that it is been paid and closed XX/XX/XXXX The account has been sold to XXXX different collection agencies ever since. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all all the collection agencies and Banana Republic but got no where. I am attaching all document for your information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For years I have been trying to get a copy of my credit report from Equifax to no avail. Whether online or by mail they always have an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Credit card) with Gatestone & Co. International Inc. ().
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection company is calling my work to try and collect a debt. This is not acceptable as this is a business and not a private number.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Below is my issues ... 
1. Bankruptcy Filed XXXX ; US Bankruptcy XXXX ; XXXX or ID # XXXX ; this has been discharged and should be listed as discharged but they still have not updated this.. It was discharged in XXXX 2015 ... When i apply for credit everyone tells me my Bankrupt is still active but it is not. Discharged in XXXX on XXXX XXXX, 2015. 
2. Case or ID # XXXX -- - this needs to be deleted from my report. It has been more than 8 years. 
3. Case or ID # XXXX -- this needs to be removed. it was included in my chapter XXXX and needs to be deleted because I am no longer liable. 
4. Case or ID # XXXX -- - This needs to be removed. I am no longer liable for this account. Please delete .... 
5. Case or ID # XXXX -- - Needs to be deleted..I am no longer liable for this account. 
6. Account # XXXX -- -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
7. Account # XXXX -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
8. Account # XXXX -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
9. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
10. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
11. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
12. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete13. Account # XXXX Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete14. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete15. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete16. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete17.Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete18. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Auto) with NAVY FEDERAL CREDIT UNION (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navy federal credit union is attempting to contact not just me but finding ways to contact my family after I have asked them not to contact me after XXXX as I am at work. They have taken it to the point of contacting not just me but my wife 's XXXX father, my grandparents, and my father after I have provided them no phone numbers but my own and stated do not call any numbers but mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief