milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a XXXX loan dating from 2002. I pay {$380.00} per month. The loan was for {$52000.00}. I had one bad year financially and requested relief. They said fine and proceeded to charge me roughly {$6000.00} which was apparently added to the principal. After 14 years of payments, the principal is still {$43000.00}. Navient now has the loan. the loan is in my ex-wife 's name. I have always paid it. the student was my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent several disputes to the collection agency and to the bureaus regarding a medical debt that ARS Account Resolution continues to report on my credit reports. I have asked the collection agency to validate the debt by providing me a signed agreement for services, and a detailed billing history of this account as proof that the account belongs to me and was not already paid by my insurance company. To date, ARS has either ignored my requests or only sent the same payment invoice created by their company. ARS continues to report the account without legally validating the debt as required by the Federal Debt Collections Practices Act and the Fair Credit Reporting Act, which requires that information reported by accurate, complete and verifiable.

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 09-12-2016 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Transworld was asked by me on XXXX/XXXX/16 and XXXX/XXXX/16 to provide proof that XXXX XXXX XXXX owns this debt because I never signed any contracts with them. Transworld wanted me to settle this debt at XXXX % without giving me the proof that I asked for. They turned over the accounts to a collections law firm which can sue over this. I want all XXXX accounts removed to my credit report due to fraud. I only received some documents after it sent to a collections law firm, this is not legal to do this per the attorney I spoke with. The set up of how Transworld fits into this equation is not clear because it states that XXXX XXXX XXXX owns this debt but why did not the owner notify anyone that they owned debt shortly after it was purchased, it shows to me that Transworld and XXXX XXXX XXXX wants to muddy the waters by not disclosing everything. Transworld claims they ca n't remove any credit reporting but XXXX XXXX XXXX should remove due to fraud. The paperwork shows XXXX XXXX XXXX, XXXX XXXX XXXX, and then XXXX XXXX XXXX therefore the loans went through several channels ; no way that XXXX XXXX XXXX owns this debt. I had a conversation with XXXX XXXX and they acknowledged that they owned for a short time. It is illegal to make anyone pay this loan because the loans went through several channels which makes proving that XXXX XXXX XXXX own the debt a problem plus Transworld did get into trouble for not sending the validation of debt before sending this debt to a collection law firm. The loans should be removed from my credit report completely because XXXX XXXX XXXX and Transworld just violated the FDCPA by sending the loans to a law firm to avoid sending a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.

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 01/21/2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: Credit line increase/decrease

Complaint: I have sent 5 messages regarding my Macys Private Label Card to Citibank ( after logging into Macys.com and being redirected to their site ) asking them to lower my credit limit after an automatic credit line increase they gave me towards the end of last year. I asked them to lower the line to {$2000.00} and to not do automatic line increases. I have never received a response from them after all the secure message and tonight I called them and was on hold for over an hour before hung up. They are messing up my credit score and I want this resolved NOW. They should be fined!

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 10/24/2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Delinquent account

Complaint: The first statement I received from Home Depot covered a 16 day period commencing XXXX XXXX ( date opened and made first and only purchase ) and ending XXXX XXXX,2015 was received by me on about XXXX XXXX, 2015. Upon review of the terms, particularly the very high interest rate of 17..99 % I chose to immediately discontinue use of the credit card and notified Home Depot to close the account. So rather than paying the installment amount of {$25.00} I paid the full outstanding balance. This payment was received by Home Depot on XXXX XXXX,2015 representing payment in full. The following month I received a statement showing the payment in full and a late penalty charge of XXXX. 

I believe this charge is unfair and abusive. It appears to be justified by the fact that an installment payment {$25.00} was not paid by the due date of XXXX XXXX,2015, about 10 days after receipt of the first statement on the account. 

When I received my first statement I assumed, based on applicable regulations, I would have the normal XXXX weeks to make a payment before late charges could be assessed. And further since the statement revealed an excessively high interest rate I needed time to obtain funds to pay the account balance off immediately. Having made payment in full within 10 days of the receipt of the statement I believe the first late fee and interest charges are unfair and abusive, .and should be reversed. Multiple late fees charged as a result of unpaid first late fee charge are clearly unfair and should be reversed together with late delinquent interest charges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is regarding XXXX XXXX billing me for services on a home I sold on XX/XX/XXXX, which they were advised of before the sale. They even came out and did the final inspection for the sale. I noticed that it was on my credit report when I looked on XX/XX/XXXX, so I sent them a check for {$86.00} Check # XXXX thinking that would take care of it and get it off my collection report. But that did n't happen. Now they have turned it over to XXXX credit reporting agencies - Focus-RM on XXXX and Focus MGMT on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. 

Equifax Inquires 1 ) Equifax - XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX 1 ) XXXX XXXX XXXX XXXX, XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 1 ) XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2017 about Debt collection (Medical debt) with COOPER HEALTH SYSTEM (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: C & H Collection Services Inc. located at : XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX I am a U.S. XXXX XXXX service member who was injured and seen at " XXXX University XXXX '' after the facility received full payment by a federal HMO they continued to file debt collection against me with C & H Collection after no less than six calls on my part promising resolution of the matter over the past 8 months. On XX/XX/XXXX C & H filed a {$960.00} collection fee against me which is simply extortion, I will be filing my complaint with law enforcement for hopeful resolution of this matter. Frankly, I am disappointed in the BBBs A+ rating for this firm which merely indicates they paid the advertisement fee for a better rating.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Closing/Cancelling account

Complaint: I opened a new card at AMEX. The account was opened for less than a month and AMEX requested to see my prior tax returns from the past two years. I specifically told AMEX that I had not filed my taxes yet and I requested an extension on for them. They told me I need to file my taxes and I had 15 days to do so. I filed my taxes in order to keep my account open and filled out there requested information. After the 15 days, I called AMEX and they told me I had not filed my taxes and closed my account after I did exactly what they told me to do. Also, AMEX has lied to me of when payment was due. I offered for AMEX to see my returns and they rejected my request. I have called multiple times to get this issue resolved and AMEX has not done anything to help me as far as keeping my account open

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX Mortgage changed from an Interest Only Loan to 10 year fixed loan. My loan amount is {$35000.00} the changed from 4 % to 4.25 % ( when I ask for an explanation I ca n't get one ). My complaint is they have calculated my payment incorrectly. My payment should be {$350.00}. The first statement I received had my payment at {$400.00} with the conversion to a fixed rate loan when I questioned the payment I was told it was changed to 4.25 %. This would make my payment {$350.00} not {$400.00}. The last statement I received has my interest rate at 4.25 % with a payment of {$410.00}. I have had XXXX conversations about this with the lender who keeps saying they will get back with me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: 1. Referring to Complaint # XXXX, Seterus admitted wrong doing with their statement " When an escrow account is created for the disbursement of property tax and/or hazard insurance premiums, an escrow payment is to be created to repay the disbursements. However, XXXX did not create a regular escrow payment. Please be advised that we are unable to explain the actions of XXXX while they serviced the loan. ". 
2. When Sterus can not explain the actions of XXXX, Seterus has the responsibility of obtaining the explanation from XXXX before creating an escrow account. They failed to do it. 
3. The {$0.00} is simply due to round off to higher dollar when I make payments, instead of {$1800.00} to {$1800.00}. It has nothing to do with any escrow payment. 
3. Calling a non-escrow account an escrow account is a deceptive practice. Seterus can not produce a letter from XXXX to confirm it is an escrow account, because XXXX will not say it is an escrow account. 
4. XXXX simply put the amount in an account that will be part of pay off amount. The mortgage is principal and interest payment only. 
5. XXXX sent me a letter stating that the terms and conditions remain the same after transfer to Seterus. But Seterus violated those terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing statement

Complaint: On XXXX/XXXX/15 I bought XXXX XXXX from Best buy XXXX Month financing agreement, for that reason I apply their credit card. 
To get my credit card I called Best buy XXXX times, They wo n't send to me my credit card or monthly statement, For that reason I requested ' to close my account and let me now my unpaid balance ;, In the first time they mailed to me unpaid statement Balance {$540.00}, the statement included past due balance {$56.00} and fee charged $ XXXX called to Best Buy card service ; I talked to her Name - XXXX her ID No. XXXX on XXXX/XXXX/15, they agree to remove the above charges, because they never mail to me statement or my credit card. 
According to my agreement I paid minimum amount {$100.00} on XXXX/XXXX/15. 
On XXXX/XXXX/15 I checked my credit score ; because of their bad report my credit score is damaged. 
I called Best Buy credit card service, I talked to her Name XXXX, her ID XXXX, and she told me my credit score will fix soon, but my score not fixed, Without my mistake they damaged my good History, so you may help me to fix my good name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (IL).
Issue: Problems when you are unable to pay

Complaint: XXXX loans have been opened in my name and I did not apply for the loans, nor did I authorize anyone else to open accounts in my name. XXXX company is XXXX and the other is Lending Club. After submitting affidavits with XXXX to dispute the accounts, the debts are still showing up on my credit report. I have also received mail from a collection agency for the Lending Club loan. The inquiries also need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I spoke with XXXX XXXX XXXX ) this morning to get an on-line copy of my credit report due to numerous errors. XXXX claims he could not send report on-line it has to be mailed. I advised XXXX that he was a liar because each time I can get in contact with Equifax ; they send the report they way I request it. I hung up on him and tried to do a dispute on-line, it states my information is wrong and to fax dispute via XXXX. I know most of the information on my file is incorrect that is why I am fixing it hopefully for the last time.

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. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. THE CREDIT BUREAU DISMISSED MY COMPLAINT AND INSTRUCTED ME TO CONTACT THE COMPANIES. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Problems caused by my funds being low

Complaint: Checking account was charged XXXX Overdraft fees, I believe only one should be charged due to an oversight on my end. I called Bank of America and explained that when the ACH ( Transaction 1 ) posted the statement balance was {$2.00}, however they stated that due to pending XXXX transactions the available balance was - {$7.00} and that is why the fee was charged. Problems with this ... 1 ) they blatantly admitted they do not have a de minimis for overdraft charges and that even if an account was overdrawn XXXX cents, they would charge a fee. 2 ) the POS transactions had not actually posted and may never post due to other circumstances, however they are basing fees on these dollar amounts. 3 ) They wanted to charge the XXXX ACH transactions an overdraft fee because we do not " opt in '' to Regulation E Overdraft charges, they would have been unable to charge on the pending POS charges. 
Bank of America banks XXXX customers nationwide and use these practices daily across the board. These unfair and deceptive practices must cease before they continue to harm innocent consumers. 
Each time a phone representative explained their overdraft process to me, I asked to speak to a manager. The final manager would not even get on the phone with me. I had to explain the situation to her subordinate as her subordinate typed the information to her. I persevered and finally had the erroneous {$35.00} OD fee refunded but the phone representative made it very clear that the overdraft was my fault and they stand by their process of paying and charging overdrafts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collector calls everyday repetitively all day on a debt that I do not recall. The amount they are requesting is XXXX from a XXXX and XXXXfrom payday XX/XX/2009. 
# XXXX Fax # National Credit Adjusters Contact # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Payday loan) with Curo Inc. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call at work and my coworker answer she said there was a XXXX XXXX on the phone and that it was regarding an urgent family matter as soon as I got on the phone, this man said he was a case processor and said that there was XXXX complaints against me by the state of California and that if I would like to speak with an attorney to do so and he said it was regarding a payday loan that was unpaid and that they were going to sue me? He had also left a voicemail on my phone saying good luck to you in th next couple days. I found this very harassing

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hunter warfield has been calling me for two years straight over 10 times per day in regards to collecting a debt that does n't belong to me. I 've spoken with them about this yet and still they call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Medical) with Account Resolution Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My father had some medical bills while undergoing XXXX for XXXX. He passed away, and there were XXXX outstanding bills for XXXX. 

My mother had traveled to be with her sisters. I went back to the state I live in. The last of the bills were sent to my parents home. Then a collection agency ( ACCOUNT RESOLUTION CORP. ) based out of XXXX, MO sent collection notices ( to imaging sessions ) to my parents home. Ultimately they filed it under my dad 's name, and his SSN, and address with the XXXX and XXXX. The bureaus then somehow linked that with my SSN and his address. 

I have n't lived with my parent 's in years, different state, address, etc. However, both XXXX and XXXX reported me as having a collections report filed against me - possibly purely based on my name. My mother had kept her maiden name. So more than a year later, I receive an alert saying the XXXX charges ( totaling XXXX {$600.00} ) had n't been paid and I was delinquent. 

I had no idea these charges existed, the collections agency claims to have reported my dad 's SSN and address correctly. The only link was, I grew up at that address as a child. 

Now I have the headache of dealing with XXXX unresponsive agencies who made an incompetent mistake that is on my credit history a few weeks before I 'm applying for a home loan.

Company response to consumer: Closed with explanation