milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: These are my complaints listed 1 through 4 1 ) I have student debt with Navient ( Parent Plus Loan ). They are not able to provide me with information about how much I owe from the handful of schools my children attended. This makes it very hard for me to talk with my children about this to determine which child owes what amount in an attempt to each pay their fair amount. Also, the loan payment amounts they have quoted for me are way too much for any average working class citizen in this economy to afford. 

2 ) I recently tried to refinance my home to save several hundred dollars each month. The refinancing went very well, and with only one final step, I needed to have a three-way conference call with the mortgage loan officer, Navient representative, and myself. When my loan officer and I connected with the Navient representative, she scolded me, and was very rude. The loan officer decided to end the call, and I was not able to go through with the loan. 

3 ) Including myself, friends, family, neighbors, their friends, and unfortunately now my employer, we are all currently being harassed by a caller going by the name of XXXX, who apparently represents Pioneer Credit Recovery Inc. He uses the caller ID name as Navient, and one of the handful of phone numbers he calls from is XXXX. He is calling ( harassing ) these people at all hours of the day and night asking for information about me. 

4 ) Just when my children entered college, I lost my job of many years due to economy affecting the business I worked for ( great recession XX/XX/2005 ), and could not find a job because no one was hiring. I received my loans while I was unemployed. The economy is different today than it was back then, and I do n't make nearly as much as I did twelve years ago, and just getting by on what I earn today. I 'm wondering how and why I was able to obtain these loans when I was unemployed? I would think the government would have viewed me as a risky person to lend money to. This seems very questionable, and very irresponsible for any lender.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received correspondence from EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor XXXX bank. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (I do not know) with Army and Air Force Exchange Service (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for army & air force exchange svc.. creditors acct # XXXX XXXX acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with BCA Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have called since the begin of last year.    XXXX / XXXX /  XXXX   was first call to them.   I have called at least once a month to this comapny.   I have sent certified mail to this company was sent back.   I have email at least  XXXX  different email address.   I have a attorney contacted them still nothing.   This debit is not mine. I have ask numerous time to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (VA mortgage) with STONEGATE MORTGAGE CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Stonegate Mortgage Servicing has been rude and abusive to my inquiry on escrow/tax refunds due to me. Said they would call me back but I have had to keep calling to inquire through this process. I was told only XXXX manager was in today and could not speak to me. This is a separate issue but they only have XXXX manager for the entire servicing office that can handle escalated matters? Sounds like they are understaffed to handle sensitive issues and escalated matters properly. So, they received a check of my returned funds back from XXXX, their vendor partner, on a double payment and deposited those funds on XXXX XXXX. I called back a week later and was told they were not processing my funds until sometime in XXXX? They can process funds in 1 day from their own vendor partner but it takes 18 days to return funds to a consumer? Why so long? This is unfair to me and other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account with  XXXX   XXXX  was closed after I voluntaried surrendered my vehicle to them. For years it reported as closed & now it 's being reported as open with  XXXX  of the credit bureaus & I would like the information on my credit report to be reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A law firm sent to me a letter stating that they were of counsel for Pinnacle Credit Services , LLC, and that they were stating that I made an identity theft claim on a debt with XXXX XXXX. This in itsels is a complete fabrication. I have attached both correspondences from XXXX and XXXX XXXX, XXXX. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated. 

The Federal Trade Commission made the following determination on the proper debt collection process through a lawsuit they filed in XX/XX/XXXX, resolved in XX/XX/XXXX known as FTC v. XXXX XXXX XXXX XXXX. There must be three criteria on the valid collection of a debt. 

# 1 The debt must be proved owed to the initial entity. 

# 2 There must be a valid assignment or sale of debt to a third party, backed up by true copy originality. This is without exception, thus stating that all debt pool findings of debt by licensed collection agencies as immediately invalid. Also, the licensing of every collection agency must be on all letterhead, a fact missed by Pinnacle Credit Services , LLC. 

# 3 The debt collection process can not exist if outside the legal collection parameters of the domiciled jurisdiction of the debtor. If Pinnacle states that they purchased the XXXX debt in XX/XX/XXXX, where is the signed proof. Simply stated, there is no proof as the debtor 's information was received through a highly questional if not unethical debt pooling system that will most likely be shut down by the Federal Trade Commission in fiscal year XXXX. The FTC is now holding national meetings on how to fix the deplorable debt collection business. 

The Crosstown Law letter s a joke, whereas the legal entity of Pinnacle Credit Services LLC are very subtly stating that in essence they have no existence of legal transfer of a XXXX debt. In addition, if they did the debt would have exceeded the legal collection timeline in the New Jersey jurisdiction in any event. I demand that I receive a noticve that the collection process has been cancelled, and that my file is being purged, in addition to the collection being removed on all pertinent credit reporting agencies. 

The debt collection system is broken, a press release by the Federal Trade Commission in XX/XX/XXXX. Pinnacle Credit Services LLC is at the bottom of the pool in the method they use with American consumers. It 's time we expose their legal entities that carry on with the same collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Payday loan) with High Point Asset Inc (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: the collector that called me did NOT MINI MIRANDA me. they called and left me a voicemail, so I called back and told them that according to the FDCPA they were not aloud to do so, the man began raising his voice at me and told me that they can do whatever they wanted to do and that they can call multiple times to my number. 

THIS ACCOUNT NEEDS TO BE CLOSED OR I WILL CONTACT AN ATTORNEY AND TAKE LEGAL ACTION AGAINST THIS COMPANY. THEY NEED TO STOP HARRASSING AND VIOLATING THE LAW.

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

Complaint: On XXXX XXXX 2017, Equifax 's data center was breached. It was not until a full 29 days later that Equifax made this information public. 

My social security number, address and full name have been made known to people who should not know that information. This is a permanent problem. For the rest of my life, I must now watch my credit like a hawk, wondering if today is the day that someone opens an account in my name and ruins my chances of getting a loan, buying a car, renting an apartment or buying a home. 

This problem will never go away. And this affects 60 % of the adult population of America.

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

Complaint: My information was compromised due to the Equifax data breach. XXXX shows that my SOC and last name are able to be cross referenced with the data that was stolen during the breach. 

So far, I 've placed fraud alerts on all three major credit reporting bureaus and credit freezes as well for additional security, all of which I have had to pay out of pocket for.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Tranunion ran an unauthorized credit inquiry on me on XX/XX/XXXX and XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX/XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My rental history from Experian XXXX is negatively reflecting civil court inquiries, which is keeping me from moving or getting an apartment.
I do not have any information in public records on any of my major credit reports.
I've never been evicted, owed any rent balance, or have I ever had any judgements against me, and I'm currently still residing at the same address for over 6 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2015 about Payday loan () with Duvera Billing Services, LLC (WA).
Issue: Can't contact lender

Complaint: I got a loan paid it off, and now the company will not close the account and wo n't talk to me. They cont. to tell me that they will look into it and call me back this has be going on for a month now and I cont. to call and they cont. to tell me the same story. They have been reporting to my credit report an amount that is incorrect and they up it in an amount XXXX month and not another, when I ask them about it they say theres nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Allied is reporting an account on both my XXXX XXXX and XXXX credit reports in the amount of $ XXXXfor a former account with XXXX. This account was paid directly to XXXX in full. Therefore, Allied does not have any legal right to try to collect it from me, including reporting it on my credit report as unpaid and derogatory. Allied has an obligation under the FCRA to report truthful and accurate information and because they have no legal right to collect this account or report it they are in violation of the FCRA. Further, I have never received any mail communication from Allied notifying me of the account or my right to dispute it as per the FDCPA and although Allied calls my cell phone repeatedly with their automated dialing system, they never leave any voice messages.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am a former student in XXXX GA, I was attending XXXX XXXX and had to drop out for a few semesters due to illness I have been paying on my student loans through Navient. I am currently seeing that there is a lawsuit against Navient. I am still currently paying them and want to make sure that I am not paying them for no reason. Can someone please assist me with this

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I am a victim of fraud. I did go online to be a mystery shopper and was contacted to a assignment for XXXX XXXX. I was XXXX a check {$1900.00} for my assignment. I went to TD Bank in XXXX Florida and deposited this check. After several days I call TD Bank to verify if this check was even good. I spoke to a financial Representative she stated that this check DID CLEAR. again I asked it cleared? Again she stated IT CLEARED. I then went to the same TD Branch to withdraw money to complete this assignment in the amount of {$1600.00}. I was called again from this MYSTERY Shopper if I would be able to complete another assignment. Again, XXXX brought me another check with another assignment Went back to the same branch at TD an made a deposit.. Waited several. days called again XXXX # and this time they said the check did not clear. That evening I received a letter from TD Bank that the 1st check was fraudulently written. TD mandated me to get my account in good standing and deposit money. I did this immediately. I was angered about this I called the XXXX number and went round and round finally got a supervisor she listened to the tape and she admitted that TD Bank Rep did say it " CLEARED '' that they TD were going to refund {$930.00} to cover my deposit and XXXX return check fee. This was very nice, but I had in this account {$710.00} before all this took place, she was unwilling to return this amount. I found this to be inaccurate and unjust if TD Bank admitted fault. they should have returned all the monies. I am requesting that XXXX be returned from TD into my account..

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Unsolicited issuance of credit card

Complaint: I applied for the Alaska Mileage Plan Visa Signature card though Bank of America and my application went to pending. After calling one of their credit specialists, I was told that I was approved for the card. However, a week later I received a different inferior card in the mail with a different opening bonus ( the Alaska Mileage Plan Visa Platinum ). I called and spoke with a Bank of America representative and was told that I already had too much credit with them when applying for the new card and was therefore given a card with a lower limit. At no time during the approval process was I told that they were giving me a different card, as I would not have agreed. This felt like a bait and switch. I then immediately cancelled the new card to avoid having to pay the annual fee. I was told there was no way to remove the account from my credit report, even though it was not the one for which I applied.

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 11-03-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Home Depot has charged off this account stating I have never paid. I have been paying the XXXX group since 2013 and would like for this negative information removed from all of my credit reports! I have attached the credit report along with the supporting documentation that I have been paying the XXXX group and have settled and will be payed in full XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade, CFPB, and Others, I am the mother and joint account holder of a custodial Scottrade account. I recently wrote a letter to Scottrade asking questions about the custodial account. It appears as though Scottrade did not even read the letter because rather than addressing a response to me, XXXX XXXX XXXX XXXX, Scottrade wrote the the letter and instead addressed my son XXXX XXXX XXXX XXXX and did not address the issues that I raised in my letter. 

I would appreciate if Scottrade could read and address my concerns brought by both myself and my son.

Company response to consumer: Closed
Consumer complaint received 07/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015, my father, XXXX XXXX XXXX, wrote me a check for {$2500.00} from his XXXX money market account. On the same day, I deposited the check in my Wells Fargo account at the ATM XXXX located XXXX Alabama XXXX. 

On Monday morning, XXXX/XXXX/15, I phoned Wells Fargo to inquire as to when the funds would be made available, and Wells Fargo 's representative told me that the deposited funds would be made available on Tuesday XXXX XXXX/XXXX/15 ) at XXXX. Tuesday, XXXX/XXXX/15, only {$200.00} of the funds were made available to me. 
I phoned Wells Fargo again to inquire as to why this was happening, and I was told that the funds would not be deposited until XXXX XXXX, 2015. 
When I banked with XXXX Bank, my father wrote me checks from his same XXXX account, and there were never any issues - the funds cleared in the standard two business days ' time. 
I find it highly suspicious that Wells Fargo is holding these funds ; and I know my father to not write bad checks. Personally, I think Wells Fargo 's business practices need to be investigated. I have also contacted an attorney. 
If you need any documentation from me, please find my contact information below : XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, AL XXXX XXXX : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank You

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