milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am contacting you regarding my student loans that were supposed to have been placed in the Non-for-pr ofit Income  Based Repayment program back in     XX/XX/XXXX . I c alled  Navient a nd spoke with a lady regarding my account ( I do not have her name but I know that there is record of the conversation based on recent conversations with Navient ) and discussed with her that this is the option that I believe is best suited for me and also because I have been with a non-for-profit organization for >  5years  which according to her is a qualification for the program. She took down income information, personal information, and was able to pull all of my tax information. She stated that everything looked good and that she would send me an email of some sort about the program and I could read about it. I never got an email of any kind. She said that according to my income and tax documentation my total monthly payment according to the  IBR  will be $  XXXX  monthly until reevaluation time in a year, i n  XX/XX/XXXX . The re was never any mention about needing to fill out any application, submit any documentation, nothing. She made it sound as if it was complete because she was able to pull all of my data. This was all on   XX/XX/XXXX . T his was a huge relief for me because I have been financially struggling for the last 2 years trying to complete my degree while also raising   XXXX   and working. Well, I get a phone call from Navient last week and to my surprise I am notified that my account is past due and I am late with my payment. I was confused and told the man that there was no way because according to my last conversation in   XX/XX/XXXX , my pa yments are {$0.00} until reevaluation in   XX/XX/XXXX . Tu rns out, my loans were never p ut into the IBR program, the y were put into deferment for some reason. Now, since   XX/XX/XXXX th ere have been a lot of changes to my household as well as my income which I believe is unfair to me to be penalized for this when the error in this situation was not my fault. I believe that my loans should be allowed to be back dated to the date that I was originally promised entrance into  the IBR program a nd it should continue from that point on. If I was charged for deferment, this was done so without my authorization and should have legal ramifications. I am now also having to back check my credit history to find out if there have been any hits to my credit due to all of this nonsense. They are just telling me that it is all my fault and that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: On XXXX XXXX, XXXX Navient place my loan in deferment until XXXX XXXX, XXXX without my authorization. During this deferment period my loan will continue to acrue interest and my unpaid interest will be added to the capital to form a new capital. Can I please get some help in resolving this issue? Are they allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/17 my XXXX XXXX collection account balance was settled in full with XXXX XXXX, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and Experian records are still reflecting a {$2500.00} balance owed. I contacted XXXX to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from XXXX XXXX ( password XXXX ) and letters to XXXX ( local and national ) are attached.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've been calling for the last couple of months in regards to the XXXX breach. I 've been calling last week to no availability in regards to the XXXX breach. I 've been disputing for months about these collections and inquiries. I have sent dispute letters along with updating my address and employer. I asked for validation from creditors they sent copies of a bill with a totally different social security number. XXXX XXXX XXXX is one of them. I have called several times they have the last 4 of the ssn as XXXX where else mine is XXXX. I have several unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. Charged off accounts that I have already paid the beginning of this year and have asked to be deleted since I have paid them that are still showing up negatively on my credit report. I have paid my XXXX XXXX XXXX for XXXX, XXXX XXXX credit card that was sent to XXXX XXXX, my Wells Fargo credit card, XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX. I have accounts that I have disputed several times on all credit reports along with the social security number XXXX that is not mine along with accounts that I was n't aware I owed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have sent validation letters to all 5 companies needing proof that these debts are mine. I have yet to hear anything back I 've also sent this in the beginning of the year. I demanded to see verifiable proof with my signature on file for those accounts. Under the FCRA unverified accounts must be removed if unable to provide me with an copy. I have n't received a copy yet.

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 05-06-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX. My loan was recently transferred by XXXX to ShellPoint. ShellPoint for some reason put the loan in the " Bankruptcy '' category. And because of that all my previous payments went " somewhere '' and did not reflect on my current account activities. As the result, my account today showed " 3 payments past due. '' I also received a letter " Intent to Accelerate. '' They locked me out of my account, then somehow it was turned back on last month, and now I 'm barred from making payment. 

I left a message and faxed them previously, most recently last month, yet no one tried to call or contact me back regarding the matter. I 've started receiving pre-foreclosure letter. 

ShellPoint customer service is not helping me, they do n't disclose information as of why or how or how to deal w/ the matter. They would tell me they ca n't and only BK department can, yet NO ONE from BK has ever tried to contact me or responded to my requests! 

This also affect my credit rating, and the pain and sufferings I 've endured in the last few months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Seterus, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Seterus, Inc. ( XXXX ) falsified by credit report by reflecting no data for several months when I had paid every monthly installment due. When I was unemployed & could no longer pay, they modified my original loan to worse terms not disclosed. They continue to process payments extremely slow, attempting to cause late fees to be earned. In XX/XX/2016, I sent every payment certified, return receipt-it took a minimum for payments to be processed. They do not allow me online access to see any of my mortgage details. They are the WORST COMPANY AND XXXX pays them to be a provider!!!!! XXXX does not respond to any of these issues but MUST AGREE WITH THEIR BUSINESS PRACTICES..

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (I do not know) with Walwick, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Merchants Credit Association is reporting a collection account in my credit report that 's not complaint with the CRA 's XXXX reporting requirements.

Company response to consumer: Untimely response
Consumer complaint received 04-03-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: Cancellation of debt was submitted to the IRS by Chase bank/credit cards, on our XXXX tax return. We were unaware of this practice. We were notified in XXXX XXXX, XXXX, of {$980.00} and made payments toward the debt. In XXXX XXXX, XXXX the reminder balance or {$740.00} was deducted from the XXXX tax return. I have submitted supporting documentation to the XXXX, XXXX and XXXX of the final payment and wished to have debt removed to XXXX balance and closed also, the XXXX chase accounts are old XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We owed {$320.00} to original company ( XXXX ). After a phone call from them regarding payment, I advised them I never got a bill. I gave them my current address in XXXX. It took three phone calls for THEM to get it correct. By that time they put the debt into collection ( Transworld Systems , Inc. ) I paid the bill on XXXX XXXX, 2015 after finally getting an invoice from XXXX. On XXXX XXXX, 2015 received a call from debt collector ( Transworld Systems XXXX. I advised them that this account had been paid on XXXX XXXX. Transworld said they did not get payment info from XXXX and needed it. So I called XXXX and was told they would send payment info to Transworld. In XXXX, 2015 received call from Transworld again and also XXXX XXXX. I called XXXX and spoke with XXXX and advised of the harrassment from Transworld. She called XXXX and they denied calling me. Today ( XXXX XXXX, 2015 ), I received ANOTHER notice of collection from Transworld Systems , Inc . I again called XXXX and spoke with XXXX regarding notice from Transworld. He advised that my account was paid and he did n't understand why Transworld was sending me a notice. He advised that he would send this complaint to his supervisor and have him/her call Transworld tomorrow ( XXXX/XXXX/15 ). I did advised him that I would be filing a complaint as not only was Transworld Systems Inc. harassing me but XXXX was also at fault for not making proper corrections to my address so I would get the invoice and be able to pay it in a timely manner thus avoiding collections. Address for Transworld Systems , Inc. is : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Telephone # XXXX. Address for XXXX is : XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone # is:XXXX. I hope someone can do something about this company ( Transworld Systems , Inc ) harassing me. This has been more frustrating than recovering from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX and equifax showing inaccurate inquires now they wont let me check my credit online to fix these issues

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It has been 3 months since I accessed my credit at XXXX and discovered that Equifax has placed XXXX accounts on my credit that are not mine. I have contacted them 6 times to date and I have been ignored and the XXXX accounts still remain. 
Please assist me in reaching out to them and have the errors deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding Inc called me in XXXX 2016 regarding a supposed debt they purchased from XXXX Back/ XXXX XXXX. I requested that Midland Funding Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on XXXX XXXX, 2016 I sent a written request to MCM. 

On XXXX XXXX 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In colorado I summons can not be served prior to an action being filed with the clerk. I called the clerk of the XXXX XXXX Court and was told that nom action had been started. 

Summons have XXXX date on it and does not have a court seal or case number. 

Called XXXX XXXX Court on XXXX : advised that there is not case filed with the court Midland Funding Inc. XXXX XXXX XXXX XXXX That if a case was filed, before a summons would have been stamped with a case number and a court seal. 

Called the number for the Attorney on the account and was rounter to a dump all number for Midland. 

Was given a different number XXXX. Spoke to XXXX XXXX Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates XXXX and FDCPA XXXX Gave me Fax XXXX XXXX advised that I should talk with a paralegal or attorney for Midland and transferred my in to a bling que. 

Spoke to XXXX XXXX Ex : XXXX As I was discussing this action with him he attempted to say that XXXX is a serve first state. Advised that I spoke to the court clerk in XXXX XXXX and was assured that service is only legal after an action is filed. 

Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law. 

I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected. 

Called back : Spoke to a rep names XXXX and asked him to transfer me to XXXX XXXX 

XXXX provided me with his email address and stated that he was putting together a validation letter. 

I received the so-called validation but there is nothing in there that states my rights as is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: am filing this complainant because Transunion has ignored my request to provided me 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 information Which can not be verified * that I have disputed please resolve this manner as soon as possible Thank you

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 04/28/2015 about Debt collection (I do not know) with First Collections Inc (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I dont know where this debt came from at all.I need this off my credit

Company response to consumer: Untimely response
Consumer complaint received 09/30/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (IA).
Issue: Application, originator, mortgage broker

Complaint: Soon after my refinance loan closed, I received a voicemail from my Wells Fargo Home Mortgage Consultant encouraging me to fill out a customer survey. In the voicemail, for the survey the consultant stated, " Anything less than a 5 we actually fail, believe it or not. So, if you say we did a great job and you give us 4 's. That 's not a passing score on our end. '' The survey ranks responses from 1 ( Not at all satisfied ) to 5 ( Extremely satisfied ). This voicemail from the consultant appears to be another symptom of Wells Fargo 's questionable business practices coupled with unreasonable expectations for employees.

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 Paramount Recovery Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a copy of my credit report which showed a creditor,  Paramount Recovery Systems , a collection agency, in the amount of {$710.00}, reporting to all three major credit bureaus. I contacted the collection agency and requested that they validate the debt and provide me with proof of the debt. In response they provided me with an itemized medical bill showing medical procedures, diagnosis and summary charges. This is a violation of the HIPAA law as the collection agency should not have access to this information. I am happy to provide this information upon request.          Paramount Recovery Systems   XXXX   XXXX   XXXX   XXXX , TX  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 08-01-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: There is a class action suit going on at this time - but my situation is after the time period that the lawsuit is for. XXXX v. PNC Bank, N.A., well this settlement settled nothing. PNC is still continuing their practice! I ca n't file in the suit since this is happening to me NOW. I have been dealing with PNC for 2 months now. Our area just got mapped as a flood zone ( XXXX XXXX ). I was notified that I had to purchase flood ins for the VALUE of house. I contacted the XXXX county tax area - my home structure is worth {$160000.00}. My balance is {$210000.00}. I purchased insurance for $ XXXX-more than the value ( there first letter stated that I needed to purchase flood insurance for the value of the structure ). I notified PNC - have copies of letters, faxes, contact people names. I was told they would look into value and notify me by mail on XXXX XXXX, per XXXX XXXX, Loan Support Analyst, XXXX XXXX - Flood Servicing, XXXX XXXX XXXX XXXX, PNC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( p ) XXXX | ( f ) XXXX. I received a letter today, XXXX XXXX, 2016 - acting like I have totally ignored them -and they purchased additional insurance of {$23000.00}, which is more than the value of the home OR MY balance! Charging me {$140.00} - I have already paid out {$450.00} additional monies over my homeowners insurance for this special flood insurance. PNC is TERRIBLE to work with - I just keep getting transferred to one dept to another dept - the rep telling me - they do n't handle my issue. I have spent so much time on the phone and on letters and emails. I am totally frustrated. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: Our customer transferred by wire On XX/XX/2016 to a Wells Fargo account with the beneficiary of our company. This was a fraudulent account and we do not have an account with Wells Fargo. We believe the account used to receive and launder the funds was one that was set up by their employees which is related to the accounts that were opened up without proper authorization or documentation. Wells Fargo clearly did not exercise any caution given the problems they have with the unauthorized accounts. At the minimum they should have a matching program that would verify account holder name and number matched and that the account holder has been verified when handling wire transfers.

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 10/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: XXXXXX/XX/XXXX I received notification from Fed Loan Servicing regarding the number of qualifying payments I have made for my public loan forgiveness application. The number of payments they have reported that I have made is incorrect. I talked to customer service and went through year by year the number of payments that I have made. There is a discrepancy between the total number of qualifying payments they counted and the actual number of qualifying payments. I requested that they send me a updated letter reflecting the accurate number of payments made and listing year by year the number of qualifying payments. They said it would take 60-90 days to review my case and make the changes. 

On XX/XX/XXXX I called and talked to customer service again regarding the status of my qualifying statement review. I was told there were error regarding my payments and they would get back to me in 60-90 days. 

On XX/XX/XXXX I called and talked to customer service again regarding the status of my qualifying statement review request. I was told there was a error with their IT department and IT needed to make changes to my account. They stated that there was no way of knowing when IT would make those changes so I could see the number of my qualifying payments. Furthermore, they stated there way no way they could make this a priority request. I have waited nearly a year for them to provide me with this information regarding my qualifying payments. I would like them to send me this information for each year the number of qualifying payments I have made.

Company response to consumer: Closed with explanation