milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2016 about Debt collection (Medical) with Armor Systems Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Hi this debt is from XXXX, I submitted to the company a Driver license, my state ID, and my Social Security card and My full passport and my police report. proving I was out of the country for three years. I even drove to the doctor office and they do n't know me or I do n't know them? they also had no file of me. 

and its still not resolved. They want even more info. this account is from fraud.

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
Consumer complaint received 02/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NE).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent an offer in the form of a letter and check, I stated that if the offer was not accepted that I was advising that this is a cease and desist. They sent my check back and said that since I wrote in remarks in the memo of the check they could not accept it so that means the cease and desist is active.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public notices, There is an innacurate lien reported on my account. I HAVE NO LIENS ON MY CREDIT REPORTS.

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 02/27/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The first complaint involving merchant XXXX XXXX XXXX and XXXX XXXX XXXX Experian Credit Reports produced results as follows : ( 1 ) CFPB assigned complaint number XXXX and did make contact eventually with the above-mentioned credit reporting agencies ; ( 2 ) On XXXX/XXXX/2016 merchant XXXX XXXX XXXX only acknowledged the above-mentioned complaint as an 'inquiry ', wrote consumer that contact was made with appropriate consumer reporting agencies and ask them to " Remove the dispute message that appears on your credit file '' ; On the same date correct information and restored FICO score resulted on consumer credit report ; ( 3 ) On XXXX/XXXX/2016 merchant XXXX XXXX did 'knowingly, willfully, and fraudulently commit the same violation as previous complaint by removing the revolving credit value from consumers credit card with XXXX balance and purposely replaced the PAID status with that of UNKNOWN. This scheme is repeating itself in a manner that deserves elevation to congressional level.

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 03-08-2016 about Credit card () with PENTAGON FEDERAL CREDIT UNION (PA).
Issue: Billing disputes

Complaint: I signed for an upgrade to a 6 cylinder car from XXXX XXXX for an additional {$140.00}, but I did not get a 6 cylinder car. They gave a 4 cylinder Corolla. I asked XXXX for a credit to my credit card, but they refused. When I complained to Penfed Visa, my credit card company, they refused to give me a credit without a credit memo from 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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has confirmed that I may have been affected by the hacking breach of XXXX 2017, yet provided nothing short of self-preserving, reactive remedies to the situation. Not only did Equifax  attempt to force an arbitration waiver on affected people and dupe them into subscribing to their monitoring services, Equifax has repeatedly demonstrated a lack of regard for security best practices, including requiring randomly generated PINs, not just easily compromised datestamp-based PINs. Equifax was utterly negligent in its handling of extremely sensitive personal data, and it seems only fair that they lose the privilege of handling this sort of unique, irreplaceable information. Consumers like me deserve the right to protect our data from these kinds of greedy, irresponsible companies. Their feeble offer of a year of credit monitoring still leaves the fox guarding the henhouse and does nothing to protect consumers who have lost all semblance of data security in perpetuity.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter is not able to pay on loans that Discover claims that we ( my husband and I ) cosigned with XXXX and were then purchased by Discover. I have contacted XXXX, and they can not help me other than to state that it was once very easy for the student to respond to an email and you were then the cosigner, but steps have been taken in the past five or more years to ensure that the cosigner does know and is willingly cosigning. There is no evidence of our signatures on any documentation, only the printed words " electronically signed ''. 

My daughter defaulted on XXXX loans for which my husband is listed as the cosigner, which is ruining his credit, and we were never notified. We found out after it was already in default because of a credit check. Discover claims that they did not have to notify him because telling the cosigner is " only a courtesy '' and they are not required to do so. 

My daughter admits that she just responded to an email that listed us as the cosigner but did n't realize that she was doing anything wrong because she was following XXXX 's instruction. She does not make enough money to pay back her loans and still survive ( XXXX a month payments on XXXX loans ) and Discover does not consolidate. She tried to consolidate them through a bank but because of the default no one will help her and every time a bank runs an inquiry her score drops even further. 

No one will help us. I 'm being forced to make the payments on the XXXX loans where I am listed as cosigner just to keep decent credit. Discover has a policy that if six payments are made on time that the cosigner can be released, but only if the student has good credit, and that is likely not going to happen quickly. No one at Discover will even talk to my husband about the XXXX loans that defaulted. They can ruin his credit but not talk to him. It 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Credit card) with DISCOVER BANK (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, is continually sending me letters to collect a debt which has expired. They have not removed this debt from my credit report either. Even the letters state that the debt has expired. If I contact this company directly, the 'clock ' will start running again and even states as much in the letter. The original debt was less than {$300.00}, but they have inflated it to {$2200.00}. Can you help me. I am a XXXX veteran with limited resources, but still need a good credit rating like everyone else in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have sent letters 5 times showing that information should be deleted from my file and they still have not removed the information. they are refusing to help me. below are the companies that should be removed, I have attached the letters I received from the companies for these items to be deleted. 
1. XXXX 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 non-monetary relief
Consumer complaint received 05/18/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Rewards

Complaint: US Bank/XXXX changed the benefits on the card ( free night on award redemptions of two nights or more ), despite charging me a {$65.00} annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Payday loan () with 2288984 Ontario Inc. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I am experiencing a hardship after being a victim of fraud in XX/XX/XXXX. In efforts to protect myself I made a police report in XX/XX/XXXX as soon as I found out about the fraud. I also contacted my creditors about the fraud committed against me and would no longer be able to pay my debts. I wrote them Hardship letters explaining my situation and asked please not to contact me. I am currently living off my Social Security benefits and it is the only source of income I have. Currently the phone calls have not stopped. I received anywhere from 15-20 calls a day and also they leave voicemails. I have explained to them over the phone I do not have money left over after my expenses are paid off. I am reaching out to you concerning the debt collectors practices. I am currently working with a financial counselor assisting me in getting my finances in order, however it is taking me some time to get back on my feet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Navient has been continuously calling me on my cell phone regarding my loans using a robotic voicemail. I have received an extreme amount of calls. I am having difficulty repaying my loans, and tried to solve this with the company, but was denied. They even call from different numbers, coming up as different states. These calls come in after business hours as well, and do include Saturdays.   XXXX  Just to list a few of the calls and times -  XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX   XXXX  @  XXXX   XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX ,  XXXX , and  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have an 18 month payment plan with Navient, that is payroll deduction for {$190.00}. The payments come out on the XXXX and XXXX of every month. 
Somehow for the month of XXXX, my payment came out on the XXXX and the XXXX instead of the XXXX. Navient sent this to XXXX XXXX saying that I had missed a payment and it drop my credit score. Now, they received payment for the XX/XX/XXXX 10 days ahead, but they still sent this in on my credit. I have never missed a payment with them and I want them to clear this up with my credit. Out of all of the suits, they still can not get their stuff together. If you check my payment history with them I have never missed a payment or been late. And they will hassle the XXXX out of you. I called them today and you can never get a straight answer. This is another scar on Navient for the headache you have to go thru in order to make your payments. Even with all of the Lawsuits!! Help me to get this off my credit and we will start over again, until something else come up. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with WESTERN UNION COMPANY, THE (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I paid by a western union money order to pay my XXXX XXXX bill. Some how XXXX XXXX cashed it. Western Union has received endless paper work since XXXX from me and XXXX XXXX and wont reinburse me. This has been going since XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: After three failed attempts to have Fay Servicing apply funds to outstanding late fees, I am submitting this complaint. I have contacted them three times by telephone. I have written them XXXX letters, as well. All to no avail. 
Currently, my account has a balance of {$160.00} sitting in an account that Fay Servicing calls, 'Suspended Balance. ' I also have an outstanding amount due in late charges of {$160.00}. I have asked Fay Servicing to apply the money in the Suspended balance to the outstanding late fees. To date, they have failed to do that. I tried reaching my account manager, XXXX XXXX, but she is not available. I did speak with her on XXXX XXXX, 2016. At that time, she told me that the money would be applied to the outstanding balance for late charges. That never happened. Today, I called Fay Servicing for the third time to resolve this matter. XXXX XXXX was not available. When asked to speak to her manager, XXXX XXXX, I was told he was not available but would call me. He has yet to do that. 

It should not take XXXX letters and XXXX phone calls to have a simply matter like this resolved. I also ca n't get an answer from Fay Servicing as to why their accounting system software can not apply the money in my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Trouble during payment process

Complaint: My mortgage loan has an escrow account. Chase Bank charges 17 % cushion amount on the escrow account. My yearly overage on taxes and insurance run about 3 %. In effect I am loaning the bank approx 14 % free gratis.If all banks do this, it amounts to billions a year loaned to banks for free. Today loans require escrow accounts. 
I think a 5 % cushion should be plenty

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 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: Experian has just recently completed a dispute for me and just what I thought would happen did. I am disputing the accounts for XXXX XXXX as they are reporting incorrect information. I DO NOT owe the amount that is being reported. I stated this in my dispute and I included my court documents as proof that the amount being reported is not correct. Experian wrote back and stated " This item was not changed as a result of our processing of your dispute. Please review your report for the details. It goes on to say under the two XXXX XXXX accounts Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This item remained unchanged from our processing of your dispute in XX/XX/XXXX. How is that possible when there is a court document that I continue to forward to the company that states that I only owe {$1100.00} plus {$74.00}? What other documents does XXXX XXXX supply that would override the judgement of the courts? This also seems to be saying that Experian will no longer continue to look into the matter even though they have the PROOF that they requested to show that the information being reported is WRONG. This is my last attempt to fix this issue directly with Experian and if the XXXX XXXX accounts are not removed, I have already sought legal counsel with XXXX XXXX XXXX XXXX, my representative 's name is XXXX XXXX, her contact number is XXXX and her email is 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 01-05-2017 about Debt collection (I do not know) with D2 Management LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Was called by agent at D2 management, I asked for an address after I was told this was an attempt to collect a debt, was hung up on the first time I asked for an address. The second time I called and asked, was put on hold for 5 minutes while the agent located the address then transferred to a supervisor " XXXX '' who was told I didnt need any information from this company and would not be provided an address. She then told me that she wants me to settle on a debt I am not familiar with. I asked her for documentation on the debt and was advised she could not send me any documentation in regards to this debt. I then advised I can not settle on a debt that I can not verify and disconnected the call.

Company response to consumer: Closed
Consumer complaint received 12-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am requesting the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). 
( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 
For the City of XXXX XXXX Accounts # XXXX, # XXXX, # XXXX # XXXX each time I dispute theses accounts the company respond " Please contact credit grantor at XXXX and ignores the reason for my dispute. Theses accounts need to be deleted immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i have many HARD INQURIES on my report recently, but the only things i have applied for are PRE APPROVED credit cards ( XXXX XXXX ) and was approved. How do i remove these HARD INQUIRES?? my credit score went DOWN considerably due to this. 
ALSO MY XXXX ACCOUNT IS FROM 2007..THIS SHOULD BE REMOVED AS IT WAS SATISFIED. XXXX TRANSUNION AND XXXX HAVE THE INCORRECT INFO )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of idenity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (WA).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I signed up for a loan and was told I was in charge of making payments which is no problem, I then received a notice that they withdrew  XXXX  from my account when the first payment was only supposed to be  XXXX . I then signed on and looked and they have a  XXXX  dollar fee attached to all future payments. I never agreed to the taking the money out. And also come to find out they are not licensed in my state of Washington to be giving loans. They stated they are a tribe and can do what thet want but the attorney generals office says not they cant

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SLM CORPORATION (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, Sallie Mae and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX ,  2016   XXXX   XXXX ,  XXXX  closed on a loan with Bank of America secured by commercial real estate located in  XXXX   XXXX , Colorado.     The Deed of Trust perfecting the lien on this real estate was recorded  XXXX   XXXX ,    2016  at  Reception No.    XXXX .      Loan  was Paid In Full to Bank of America in  XXXX ,  2016 .     C.R.S. st  ates 90 as an acceptable time period to release a lien once obligation has been satisfied.
Eight months later and the lien as NOT been released.
Multiple att  empts, consuming numerous man hours, to work with Bank of America have been made ; up to and including receipt of a copy of the Release of Deed of Trust which as of today 's date has NOT been submitted to the  XXXX   XXXX   Public Trustee.

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