milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I just realized that XXXX XXXX XXXX XXXX is showing up on my credit report as an outstanding debt in the amount of {$1500.00}. I have no way of getting in contact with this company but this account was settled in full approximately 6 years ago. I would like to have this removed from my credit report as soon as possible and have my scores updated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I ran my credit report and found that I had a collection account on my report for XXXX. I called XXXX because I did not have a bill that was missed or not paid and XXXX confirmed this. I called the debt collection agency and asked about the debt and requested the debt validation paperwork within 30 days. The company did not respond. I called back months later and the company is still saying I owe the debt. They are calling all of my family members and leaving messages that I am in legal trouble. They never sent me the debt validation paperwork upon receiving the debt. They continue to harass me and my family through phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Billing statement

Complaint: I had consolidated my debt into XXXX XXXX XXXX and completed my obligation to my debtors. Kohl 's credit card will not provide me proof of my payments made to them. They say the status of my account was closed for debt collection and they will not issue statements to me. How is that legally allowable? 
I made the payments yet they will not provide me receipts or statements. I have proof of my payments through the credit organization but no proof that Kohl 's applied those payments to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Medical debt) with Action Collection Agencies, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This last communication from this company said they would submit to the credit bureaus that the accounts are in dispute ... I contacted each bureau who said the account Action Collection Agency is reporting is NOT in dispute by them. So again this company is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have an item that should have been removed from my Experian credit report. All other credit reporting agencies removed the item after investigating. Experian did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Experian reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with RFNA, LP (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: On or about XXXX XXXX, 2015, I was served a summons in regard to a default on a loan in the amount of {$3500.00}. The summons which was stamped filed on XXXX XXXX, 2015, did not provide an attachment of any valid legal contract evidencing the debt, with the original date and terms of the debt, with my personal signature on a contract of this alleged debt. 

I have never personally applied for, nor have I ever signed a contract with Republic Finance LLC for a loan of this alleged debt. 

On XXXX XXXX, 2015, I have written Republic Finance LLC in regard to my dispute and validation of the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and have requested that Republic Finance LLC provide me with competent evidence that I have any legal obligation to pay them by providing me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with a copy of the contract that show I agreed to pay what is claimed I owe ; Identify who is the original creditorThis request is being made within 30 days due to a summons filed on XXXX XXXX, 2015. I 've requested under the Fair Debt Collection Practices Act, 15 USC 1692, that Republic Finance LLC, cease and desist all debt collection activities until it validates this alleged claim. 

Furthermore, upon review of my credit reports, Republic Finance LLC is reporting this erroneous debt to various credit bureaus as well, in Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterI further request that Republic Finance LLC, in addition to cease to and desist any collection activities, withdraw any court filings, and remove this erroneous item and update my credit report as soon as possible. 

Thank you for your time and consideration in reviewing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with CREDICO. INC (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: on XX/XX/XXXX i was notified by credit collection bureau out of XXXX XXXX sd i was contacted on XX/XX/XXXX by XXXX who stated, '' this is a call from a debt collector. '' she then stated she was calling regarding a XXXX XXXX bill for my son XXXX, who is now XXXX but the date of service was XX/XX/XXXX which would of made him XXXX. she stated that there is not a judgement against me yet. i then explained to her she just violated hippa law as well as no mini miranda and the actual debtor is XXXX and was XXXX at the time of service. and i also did not like the threat of judgemnt against me considering it was not my debt. then on XX/XX/XXXX i recieved another call from a XXXX i very quickly stopped her she again no mini miranda i explained again i asked for the mailing address and she refused to give it i asked for a manager she said no one was available i insisted she find someone she then put on XXXX XXXX who stated she had seen everything in the notes from XX/XX/XXXX that this was a disputed debt they were calling on. i told her i will be pursuing legal action for several violations as well as notifiying cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America, Bankruptcy Dept. referred my mortgage to nationstar XXXX XXXX. BOA told me I was in good standing and they did not see where I had missed 8 months of payments. XXXX credit report shows all payments have posted on time. XXXX send a letter saying I was 8 months behind in my countrywide mortgage paid to Bank of America. 
My primary mortgage shows no history on my XXXX credit report and the XXXX credit report. I have spoke to XXXX on XXXX XXXX XXXX, and she stated a check from the trustee came in on XXXX XXXX and it was sent back to the trustee since my loan was sent to XXXX. 
I need for XXXX to get good data showing my mortgage payments. I have bank statements and all months were paid XXXX through XXXX XXXX when the loan transferred to XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have a balance on my American Express Card of {$540.00}. I paid them on XXXX {$400.00} and XXXX {$450.00} and I owe them XXXX they called me the other morning at XXXX in the XXXX. I am XXXXyears old, lost my job and am sick. They have been harassing me. They call me two to three times a dayand yesterday besides calling they sent two e-mails a day, I told them when I get my social security check on Wednesday.I will make a payment. Tonight when I called I asked to speak to a customer service rep they would n't let me and kept asking do you want to make a payment and I kept saying no and they finally let me into a rep from XXXX who could not answer my questions I have never been treated like this they also charged {$78.00} interest which the rep could n't find. I find the number calls galling wen I told them my situation an I think it should be stopped .I ALSO HAVE MADE NO PURCHASES since I lost my job on XXXX XXXX,2017

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The issues I have had with Navient date back years. When I was having issues paying my loans they put me first in a forebearance, telling me it was my only option, in XXXX 2015. When they set this up they had me pay XXXX dollars a month for 14 consecutive months to correct this issue. In XX/XX/XXXX I received a call saying they did n't allocate this correctly and I now owed an extra XXXX a month. While I am out of that program now they have made moving to pay as you earn or extension of my repayment time significantly harder than I think it should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Never lived at this address.Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Hi, Citibank act ending XXXX, with customer reference # XXXX has conacted me via phone and now thru this letter stating I havae previously enrolled in a credit protection an optional debt protection program for a monthly charged fee. 
However, I have n't had a citibank credit card in the last 10 years. I am concerned because 1- I never signed up for a citibank credit card and I never signed up for this protection plan. and 2- I am concerned that someone trying to be me is using my info and has established my identity. Can you please see what this situation is about. I don ; t feel comfortable giving any of my info to citibank. 
Thank you, 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 02/24/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am currently in a lower payment plan with Navient, but in a month that is going to change. It took me months last year to get into a lower payment plan with them, as they told me I did this with them once. I explained to them I have other loans and they are not the only ones. I do not make a lot of money to be able to pay a lot each month. I am not sure as to why I have such hard time with company, as I know many people do. I originally had XXXX who was alawys such a help, until they sold my loan to Navient and I wasn't aware until I received bills from Navient. Is this allowed with out my knowledge? Since XXXX is still servicing loans? If I would have know having private loans would be so difficult to maintain or receive help from I would have never have gotten any. The school financial aid department DO NOT explain anything to students. I was XXXX when I started going to college and I was never explain such information, other them getting student loans is a great thing, which clearly its not. I do not know how people going into school now will be able to afford going and paying off loans. If i would have known now what I know then I would have never have went to school. I know Navient has a law suit against them, is their anything with the law suit that will help me? and is there any resolution to the law suit?? Navient is not a help at all, I would advise people to NEVER have a private loan and NEVER with Navient as they DO NOT help anyone and can careless. I have had countless conversations even with supervisors who told me that it is what it is and they can careless if I can afford the payment or not. I have tried so hard to get help in assisting paying these loans and their is nothing they will help with. Their customer service department is horrible and they are so rude, I've even been hung up on and yelled at. Please get back to me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Greentree & Associates (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX kept trying to charge my card for a late payment. They tried the full amount several times then kept trying to charge different smaller amounts when the transaction was declined. This gave me numerous overdraft fees and put my bank account in the negative. My account was then given to Green Tree and Associates, a collection agency. I have tried numerous times to contact them to pay my debt but none of the phone numbers on their website are in service. I then tried to call XXXX XXXX and ask how to pay my debt and they gave me another phone number for the same debt collection agency. I called that number and it was not a working number either.so now I have a derogatory Mark and collection on my credit report and have no way to pay it off.

Company response to consumer: Untimely response
Consumer complaint received 08/15/2016 about Student loan (Federal student loan servicing) with SLM CORPORATION (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have several student loans through Sallie Mae called the " smart option '' student loan. We have tried multiple times to consolidate these loans or get the payments lowered. As of right now they want us to pay almost {$600.00} per month which is not even feasible at the moment. We were at one point put into a program which lowered the interest rates from almost 11 % down to 4 % for 1 year and then down to 2 % for 1 year but we were only allowed into that program because the loan had defaulted. The loans have been paid for 3-4 years without missing a payment and they wo n't let us consolidate or lower the interest payment. The last person I spoke to told me that the only way they could help us with anything would be to let the loan go to collections/default. Of course then it would hit our credit and hurt other things leaving only one choice, to pay. For student loans only totaling {$36000.00} a {$700.00} a month payment is just a bit much. All we want is a fair rate and a fair monthly payment. Do n't get any student loan through Sallie Mae unless it is a government subsidized or unsubsidized student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Using a debit or ATM card

Complaint: I was trying to place an international order with my debit card. My bank "  XXXX   XXXX   XXXX  '' blocked the transaction. I called my bank to let them know that I in fact made the order, and that I have done business with the company before, and was very happy with the service I received. My bank said because of possible fraud they would not clear the transaction. It 's like they are telling me I ca n't spend my own money in the way I want to spend it. I have ordered from this company at least twice before, without even a question, the transactions went through right away. I understand the bank is trying to protect me, but how when I 'm on the phone with my bank telling them that I placed the order, I passed all of their security info, and they say they wo n't authorize the transaction, no matter what I say. THIS IS JUST WRONG. It 's my money, it 's a debit card, not a credit card

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 03/18/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has reinserted XXXX after they deleted it on XX/XX/2017. I have never received any notice of the account be reinserted ( requirement of FCRA section 610 ) ... they are violating the law & I need this account removed AT ONCE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: American Express Debt Collector XXXX XXXX XXXX. Called me numerous times at work. The following times that the company called me at work are as follows. XXXX, XX/XX/, XX/XX/, XX/XX/ and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Settlement process and costs

Complaint: I 'm trying to get my house refinanced with XXXX and I was told that a title search showed my old mortgage company ( BANK OF AMERICA ) sold my loan to XXXX Mortgage a few years ago ( XXXX, XXXX? ) but allegedly did not file a release of Lien with the proper county. My account number ( before my loan was sold to XXXX ) with Bank of America is so old the bank had a hard time finding it on their records ( and i 'm not sure if they really did, anyway ). When XXXX asked Bank of America to release the lien so we could finalize the closing they were told it is going to take three weeks, thus denying me the closing on my house and forcing me to miss more workdays ( at a monetary loss to me and my family, not including my stress level that just hit the roof ). I was passed from one person to another three times ; the last individual I spoke with was someone named XXXX ( XXXX ) and she was not very pleasant either. 13 years of not filing the lien release on a mortgage loan they sold to another mortgage company is appalling and unethical. Not willing to resolve this issue in a timely matter is outrageous. I need this issue resolved immediately.

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 01-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am on XXXX and live on a fixed monthly income. I 've exhausted all of my other options, forbearance, deferments. Etc. I called XXXX XXXX or XXXX, XXXX and spoke to a gal named XXXX. She asked a bunch of questions about my finances and we worked to try and get a reasonable payment plan, incuding reduced interest rate, to no avail. She said some forms would be sent and I would get them in two to three weeks. This was a form for my doctor to sign. It was never sent. 
In the meantime, I have been slammed with phone calls from Navient, sometimes up to XXXX and XXXX times a day. Early on, I put a block on all the numbers they call from. XXXX time, I did answer. I had been asleep. My wife had also been asleep. She kept asking where the paperwork was. The guy said, very frankly, it would be a miracle if the loans were forgiven. We explained to him the situation, and that if I could pay, I would. He did mention that if I could pay an ex amount on the phone right then, they would n't send my account to collections. He also said, in a very rude and condescending way, my loans and payments are my responsibility and when I signed for them, I agreed to pay them back. My wife kept asking where the form was. He told us we could find the form online. My wife asked several more questions, but the guy got impatient and hung up on us. Great customer service. 
The form still had n't arrived, so I called again 2 1/2 months later, right after XXXX, just after the first of XXXX. The gal said the previous rep had filed the information wrong or sent it to the wrong department. The form was to take 2-3 weeks. That was the first of XXXX XXXX. Today is XXXX XXXX, XXXX, and still no form in the mail. 
I am tempted to call XXXX more time, to give them the benefit of the doubt, but, after my wife got to reading about all the consumer complaints about Navient and read them to me, I decided to take action. 
Why is it taking so long to get XXXX form out in the mail? Meanwhile, my good credit score is now shot, I am in default, and I have been denied a loan through the USDA to help get my parents house repaired so I can move out of my rented townhouse into their old house 3 hours away. My parents are not well and we can save a bundle on rent to be able to pay off my debts, including these loans.

Company response to consumer: Closed with explanation