milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Company ( Navient ) is non-responsive and has requested duplicate documentation- numerous times over the last 12 months in an effort to stall and let my account go delinquent. I have continued to make monthly payments based on US Department of Educations Laws and guidelines. This is based on the max. percentages allowed of borrowers discretionary income and on current income documentation provided to Navient with a New Income based repayment form..
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Last request/response from Navient : Navient stated that my  XXXX  tax return was no longer a valid form of income verification because it was now outside the first Quarter of  XXXX ??? This form of income verification was used and additional documentation ( example : former employers verification of date when job was lost ) which by the way has now been over a full year ago. Yet Navient continues to place obstacles in my way to utilizing a Income Based Repayment plan. They have offered deferment ( numerous times ), which is not a good choice, because all that accomplished is a few months delay on your payments and then they resume ( with additional interest charges ), Navient avoids at all cost, offering what the US Department of Education endorses in repayment plans. Including the Income Based Repayment Plan.
Last request from Navient was for pay stubs and a New Income based form. All this documentation was down loaded ( XX/XX/XXXX  ) per their secure website and since I sent the documentation they requested, they have gone silent ( current date  XX/XX/XXXX  ) or 5 days since they received the required new income documentation. No response- no adjusted repayment plan-nothing. In researching a reason this was occurring, I found where the CFPB is suing Navient for exactly the same issues/problems that I 'm experiencing.
I lost my job in XX/XX/XXXX . It is now XX/XX/XXXX . My student loan payment is {$1300.00} per month and represents over 96 % of my decresanary income? This is a violation of US Department of Education Laws and no adjustment has been made in now over a year of trying to work with Navient. This includes sending the same income verification documents 4 times. I have notified the Attorney General of the State of Georgia and other legal and Government organization and agencies and am supplying them with all the correspondence ( and dates ) that and if I receive from Navient going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TO : Portfolio Recovery Associates , LLC ACC # ACC # XXXX Account Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RECOVERY A ACC # XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (KY).
Issue: Problems when you are unable to pay

Complaint: Credit Acceptance corporation are falsely reporting on my credit report which has been hurting my ability to purchase consumer products from other companies. My identity was stolen and used years ago with out my permission with Credit Acceptance 6 years ago. I filed a report and also notified them that I never co signed a loan. I was told that it would be taken care of but instead Credit Acceptance has been listening negative payments on my credit report for a vehicle I have never seen nor have any ownership of. Now it 's list repossessed on my credit report which makes it very difficult for me to get a fair rate on an auto loan. I request this this company send me all the original contracts that they said I signed or delete themselves from my credit reports 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 explanation
Consumer complaint received 12/14/2015 about Bank account or service (Checking account) with U.S. BANCORP (NE).
Issue: Deposits and withdrawals

Complaint: The bank that I have my business account with always finds a way to tack on fees. The balance every two hours and they NEVER sleep so posting for withdraws is happening ALL night but deposits only post during normal business hours. The balance that shows up online does not match what they can see in the customer service department and there are as much as XXXX different balances that show up on the online website. I would like to see if this bank can be monitored for fraudulent practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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 have tried and tried to dispute a bankruptcy for months and months and it just keeps coming back as verified which trans union will not send me who they talked to and what was said between both parties and what dates i am aware that Credit reporting Agencies are suppose to go to the actual furnisher now to verify the accuracy of this negative item on my report which Trans union has failed to provide me anything from the court saying that this is my record and that it has been verified by said person and at their number so now that i have said this i am certain that trans union has violated my rights under the fair credit reporting act which means they provide me with the proof of the results from the original furnisher which would be the us bankruptcy court i would believe and pacer is not a form of verifying from the original furnisher and Trans union cant tell me this time that i have n't sent in a dispute about this because i got my dispute results from  XXXX / XXXX /2017 which says the bankruptcy was verified and unchanged for one if someone has a discharged bankruptcy and has an amount of   XXXX   as a discharged amount or liability of   XXXX   then it is being reported wrong on everyone 's report besides mine so please respond with proof from the us bankruptcy court in   XXXX   XXXX   XXXX   to prove this is my bankruptcy or get this off my record now

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA is reporting fraudulent inquiries on my credit report, And sharing the information with the public. 
I have wrote letters and filed complaints with other agencys and they continue to report these inquiries. 
They have had a breach in the system where millions of people personal info was used and i am one of those people. They removed 9 inquiries then reinserted them again which is illegal without notification to the consumer. i would like for them to remove all inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Again XXXX XXXX my complaints are similar for the past years because OCWEN refuses to STEP down and do their part to address the situation. HENCE THE CURRENT LAW SUIT AGAINST OCWEN. Your company continues to enjoy skirting around my issues and responds with the same garbage change changing the date of the letters. Also XXXX XXXX the property and mortgage which I inherited at the time of my Mother 's passing was passed over to me. If you can read the items in the lawsuit, one of them is concerning assisting these homeowners, WHICH OCWEN HAS NOT. THE PURPOSE OF A LOAN MODIFICATION IS TO GET THE HOME CAUGHT UP. You provided me a loan modifications last XX/XX/XXXX which was NOT SIGNED because OCWEN PROCESSES MODIFICATION BASED ON ONLY IMCOME NOT INCOME AND EXPENSES. THIS IS AGAINST THE LAW. Again XXXX XXXX this is going to continue back and forth and I do n't see a resolution in sight because OCWEN just collects money and does not care about the welfare of the home owner. YOU ASKED ME TO REVIEW THE WEBSITE ABOUT THE CURRENT STATUS OF THE LAWSUIT. ALL I SEE IS GARBABGE ABOUT HOW OCWEN CARES ABOUT THEIR HOME OWNERS AND YOU HAVE HELPD LIKE XXXX. THAT 'S SOME PR XXXX IF YOU ASK ME. IF OCWEN CARED ABOUT IT 'S HOME OWNERS AND RESOLVING ISSUE THEIR WOULD N'T BE A LAWSUIT AGAINST YOU FROM THE CFPB. WOULD THERE BE?? THIS COMPLAINT IS ALSO GOING TO YOUR MEDIA RELATIONS DEPARTMENT. SICK SICK SICK OF OCWEN XXXX XXXX. OCWEN NEEDS TO BE SHUT DOWN WITH THE CURRENT LAWSUIT. THAT IS THE ONLY RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I do not have a contract with Department of Ed/Nelnet. I am not liable for collection of these debts from Nelnet XXXX, Colorado. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I need a review of the mortgage for fraud they do n't want to give a mortgage they have been asking for the same paperwork over and over again, they want foreclosure, I want to get a modification

Company response to consumer: Closed
Consumer complaint received 06/25/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing statement

Complaint: Bank of America reported my credit card accout XXXX. The exact same credit card number is reported twice with one having no credit limit information, and the other XXXX with a credit limit of {$8500.00}. Bank of America reports XXXX these accounts opened XXXX. Bank of America reported these on page XXXX and XXXX of XXXX pages on this credit report. However on page XXXX of XXXX on this same report Bank of America reports a third account opened in XXXX. I did not open XXXX credit cards with Bank of America in XXXX of XXXX! Why and how did Bank of America report this information? Why did Bank of America report my credit card account on page XXXX and XXXX then a third Bank of America credit card account on page XXXX. Why did Bank of America report my account twice as if it were two different accounts and why did they report the third account XXXX pages later on page XXXX on the same report? 
On XXXX credit report of the same year XXXX Bank of America reported this same credit card was opened in XXXX with {$26000.00} credit limit. When I reported my card lost/stolen in XXXX of XXXX Bank of America replaced it with the same credit card number as the one reported lost/stolen. I called Bank of America and asked them why they replaced my lost/stolen card with the same credit card number? They then replaced it with a new credit card number, but on the credit report they report it lost/stolen without closing it. Gave me a new credit card number very similar number except the last four digits. Bank of America then gave no answer for the credit limit, but later reports show that Bank of America reported the High Balance of that credit card as the credit limit. Why did they try to replace my lost/stolen card in XXXX with the same credit card number? Why did they change the credit limit so dramatically from {$26000.00} to {$8500.00} when they replaced my lost/stolen card. On the XXXX credit report Bank of America reported a third account. I only have one credit card with Bank of America, I remember they sent me a card in that same time period, I was not happy that they were sending me another card, it did n't make sense, so I called them. They said something along the line of " oh you do n't want it? '' I said no. This was around that same time in late XXXX. 
I did not open a credit card with Bank of America in XXXX, nor did I close it in XXXX. I do n't even think I opened a Bank of America credit card in XXXX, I believe I opened a XXXX XXXX, but not Bank of America. I only have ONE credit card with Bank of America. 
I want Bank of America to answer and explain all of the above inaccurate information regarding my credit card account in my credit reports. I believe Bank of America deliberately reported my accounts innacurately. Why? 
When this is explained by Bank of America I may need to take their answers to an attorney for processing it legally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was having a collection account with FAIR COLLECTIONS & OUTSOURCING which I was not aware of, they never tried to reached me or call to settled.     I paid them and they assured to removed the account from my credit report which they 've never done.

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 02-06-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BB&T CORPORATION (MD).
Issue: Money was not available when promised

Complaint: I have a bank account with BB & T that I had forgotten about. The account went dormant because it was inactive for one year. I ended moving to a part of the country that does not have any BB & T branches. When I discussed the issue with a customer service representative I was told to write a letter authorizing a friend or relative to go to the branch where the account was created to collect a new debit card and that the dormant status would be removed. I followed their instructions. After my relative took the letter to the branch the staff claimed that the information I had been given was wrong and that I would need to write another letter, have it notarized and send it to the same branch I mentioned before. I write the letter, have it notarized, and send it to the branch. I check the status of the letter on the USPS website and it says it has arrived. A few days pass and I have not heard anything from the BB & T Branch. I call them and a staff member claims that they haven't received the letter. At this moment it becomes obvious that no one at this branch has checked the mail. When I call him out on this he checks the mail and confirms that the letter has arrived and claims that it is being passed along to someone who can verify it. A different staff member calls me asking me for a picture of my drivers license and I immediately email her a picture of it. A week passes and the status of my dormant account has not changed. I call the branch and they claim that the letter and photo of my ID are still being verified. Another week passes. I call them again and they give me the same story. Several weeks later, account still hasn't been reactivated. I have spent around {$50.00} to have two letters notarized and shipped across the country and have not gotten any results. BB & T is by far the worst bank I have ever dealt with. This experience has shown me that the company is full of XXXX employees who don't care about customer service. It seems like they think they can get away with not doing anything and that customers will just give up and stop contacting them. At some point in the near future, I will have to travel cross country to get this matter resolved. This is beyond ridiculous considering it is 2018 and this problem couldn't be resolved online or over the phone.

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 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Garner & Conner, PLLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My wife and I was trying to buy a home and pay off anything that stood out on my credit report. I had a judgement against me that was garnished from my check for a year paid every week out of my paycheck. This garnishment was over according to the contract and the attorneys office that filed the claim against me informed me that I still owed XXXX. We was trying to close on our home in XXXX of 2015. They would not answer or return any ones phone calls or emails, letting that amount gain interest. After several emails and phone calls over the next few months we finally got a hold of these people to get the amount. It ended up being somewhere around XXXX since XXXX. They have withheld my own documentation from me for prolonged periods of time causing A LOT more money to be paid out than what was needed. These people are criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NC).
Issue: Struggling to pay mortgage

Complaint: I submitted a complaint in XX/XX/XXXX. I worked with Citi Mortgage and completed all needed paperwork and sent all needed forms in. I also sent {$2000.00} to start paying my loan. I sent the payment in in XX/XX/XXXX. The money was accepted and I went to the foreclosure meeting and informed the attorney ( Citi Bank attorney ) that I sent in a payment. She was very surprised. I completed all the paperwork as given in time. I spoke with XXXX XXXX XXXX and she informed me that she received all the information and that it was being processed. On XX/XX/XXXX I received the {$2000.00} check back with a letter dated XX/XX/XXXX. I also received a letter stating Citi Mortgage was selling my loan to XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX. They provided me with account number and contact information to contact them after XX/XX/XXXX. I scheduled a telephone contact with XXXX XXXX and she told me the modification was not completed and to watch my mail for information on it. I am confused if they have sold my loan how are they still working on the modification?. XXXX XXXX stated that Citi was not servicing loans anymore and it had nothing to do with my pay status. XXXX XXXX also said that she needed other paperwork after thanking me for sending in all needed paperwork with no further request from Citi Mortgage. I contacted the new agency on XX/XX/XXXX and was told they had no information of my account and that they did not know what my payments were and anything about my loan. I feel that Citi Mortgage is trying to make me loose my home. My credit rating is in the dumps and I can't help myself with this matter please help me this is my home.

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 08-10-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received the Initial Escrow Account Disclosure Statement from Freedom Mortgage. It states that the PROJECTED ESCROW BALANCE SUMMARY OVERAGE is {$3200.00} that was to be RETURNED TO ME ONCE ACCOUNT WAS CURRENT. On XXXX XXXX, 2015 I paid the XXXX 2015 monthly mortgage payment of {$1400.00} and I was current. At the bottom of the Disclosure Statement the following is stated : Federal Law requires that any escrow surplus of {$50.00} or greater for accounts that are current must be returned to you within XXXX days from the date of the analysis. Due to the delinquent status of your account, your surplus will be retained until the account becomes current. It is your responsibility to contact our a Customer Care department to request the release of any surplus when the status of your account changes. I did contact Freedom Mortgage on XXXX/XXXX/15 and requested my refund and it 's now XXXX/XXXX/15 and they have n't sent me anything, which is against the law.

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