milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Many years ago, I consolidated my loan with a particular lender because of the incentives that I can earn. I 've earned them, but now my new servicer is telling me they do n't have to honor it. How is this even legal? The incentives were indeed the selling and determining factor. I honored my obligations to repay my loan and earn incentives ; and the lender can escape honoring its incentives by selling the loan or switching servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Student loan (Federal student loan servicing) with Allied Interstate LLC (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: On XXXX XXXX, XXXX, I received a call from a caller labeled " Unknown Name '' XXXX. The caller stated he was from a collection agency, and he was fumbling and unprofessional, which made me immediately suspicious. He then stated that I was in default on my student loans and they knew where I worked and would resort to garnishing my wages if I did n't pay. I stated my student loans were all current and I have no loans in default, and that I had successfully completed a rehabilitation program to get my loans back in good standing, and I have made on time payments for the past 6 months. He was insistent that I was in default to the amount of {$16000.00} I knew this to be incorrect and stated i 'm not paying anything, and if wants me to do anything I needed a written statement from his company to compare with my own records. He asked if I would call him back, and he stated they closed at XXXX, which struck me as VERY odd, as most agencies are open into the evening to accommodate people and their work schedules. Yesterday I received a letter from Allied Interstate LLC, XXXX, XXXX XXXX, XXXX MN XXXX. They are asking for {$16000.00} for a loan whose total balance is only {$10000.00}. It 's as if their information is 3 years old. I suspect the entire thing is a scam and they are not legitimately associated with XXXX, the company that services my consolidation loan.

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 10/20/2017 about Debt collection (Medical debt) with Professional Placement Services, LLC (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My name is XXXX XXXX and my Hippa Rights and the FDCRA rights that I have have been violated. Attached you will find the letters I mailed Professional Placement regarding two hospital bills on my credit report. They in turn responded with my personal medical information that you will see attached. I have never given permission for them to have my personal medical information nor access to my social security number and my personal credit report. 

The Standards for Privacy of Individually Identifiable Health Information ( Privacy Rule ) establishes, for the first time, a set of national standards for the protection of certain health information. The U.S. Department of Health and Human Services ( HHS ) issued the Privacy Rule to implement the requirement of the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) .1 The Privacy Rule standards address the use and disclosure of individuals health informationcalled protected health information by organizations subject to the Privacy Rule called covered entities, as well as standards for individuals ' privacy rights to understand and control how their health information is used. Within HHS, the Office for Civil Rights ( OCR ) has responsibility for implementing and enforcing the Privacy Rule with respect to voluntary compliance activities and civil money penalties. 

I am intending on filing another complaint with The US Department of Health & Human Services.  I am asking you to please help me prevent them from doing this.

Company public response: Company believes the complaint is the result of a misunderstanding
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 Rent Recovery Solutions (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night  when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit, People are also putting apartment and other things in my people will also put in the apartment and other things on my name

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Re : Overpayment on refinancing Account # XXXX On XX/XX/XXXX I refinanced my student loans with XXXX and they paid Navient {$69000.00}. This is an over payment of {$930.00} of the last principal balance fromXX/XX/XXXX. I calledXX/XX/XXXX and was told that the over payment went towards the loan you still currently house ( XXXX ). Upon adding the numbers that was applied to loan XXXX the total is {$530.00} a difference of {$400.00}. Now, I understand there was 6 days between the last principle amount date ( of my last payment ) and  XXXX XXXX when XXXX paid you for the loans and during that time interest had accrued, however, I know that {$400.00} of interest had not accrued during 6 days. So can you please tell me where the missing {$400.00} has gone?

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with ASTORIA BANK (DC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, I sold my home and paid Astoria Bank ( see attached documents ) 100 % of the amount requested to be " Pay Loan in Full. '' To this date, I am still asking that Astoria Bank properly report that the credit report to reflect " Pain in Full. '' With the help of CFPB I 've made progress by correcting the late payment errors and asking Astoria to update they wording, however now they have chosen to state a reporting of " Pain in Settlement '' which is still false. They recently changed the wording from " Paid for Less than Full Balance '' which proves that they have ability and control over the wording ... I ask that they please just change the wording to " PAID IN FULL. '' I 'm not sure why they are playing these games and being so aggressive to me personally, but I ask the CFPB request that they once and for all end this game playing. It 's two years already, the account has been closed and paid in full ... please stop wasting everyone 's time and valuable energy already. The documents I have attached show the closing documents from my attorney XXXX XXXX and Astoria with the amounts requested along with the corresponding IRS Tax form that was provided my Astoria. In addition, I have attached the XXXX Credit Report from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX showing the two different statements. Please note that they have properly reported no late payments, which was corrected with the help of CFPB, now I request that the " Paid in Full '' Status be updated as well. Please feel free to reach out to me or my attorney directly for any additional questions. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXXXX  2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that XXXX XXXX XXXX is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from XXXX XXXX XXXX  because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If XXXX XXXX XXXX refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final  attempt to get this matter corrected and effectively resolved. Thanks for your assistance.

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 02/17/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (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 explanation
Consumer complaint received 07-03-2015 about Debt collection (I do not know) with The Best Service Co.,Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The Best Service Co. is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (I do not know) with Jacob Law Group, PLLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company called under name Jacob Law Group, wanted me to give them all of my information but would n't tell me what they were calling about. When i refused my informatiin, she proceeded to threaten me with legal letters, wage garnishment, and police contact. Then, she hung up on me. I still never got an explanation of what is was for.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with Omega RMS, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Omega. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Omega in regards to this matter. The FTC also instructed me to complete anid theft affidavit through identity theft.gov. Attached is my document. 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 03/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I got a call from Capital One saying there was potential Fraud on my credit card on XXXX XXXX, XX/XX/2015. I immediately called them back the morning of XXXX XXXX, XX/XX/2015, and informed them that I did not make that charge. They said it was a charge at XXXX in XXXX I live in XXXX. It was a credit card I have n't used in around 8 years. They ( They being capital one 's fraud department ) said that I would not be liable for the charge since it was fraud. They asked me if I wanted a new card issued or if I wanted my account closed. I asked that my account be closed. I was transferred to someone else that helped me close my account. Once the account was closed, I again verified that I would not be responsible for the charge to XXXX. She assured me that I would not be and that I would receive something in the mail showing my account was closed. Not only did I not receive something showing my account was closed, but today I received a bill for the charge we specifically discussed on the XXXX. Today is XXXX XXXX, XX/XX/2015. The XXXX fraud team member at Capital One that I spoke to today XXXX XXXX, was by the name of XXXX ( or at least that 's what it sounded like ). She informed me that they have no way of flagging it as fraud until it has posted to the account. Then she informed me that there was a XXXX charge to a restaurant that was already removed from my account. I was insisting that she explain to me how XXXX charge was never mentioned to me and why would they even call me to ask about the fraud if there was nothing they can do about it and were going to send me a bill anyway. She hung up on me. So, I called back and asked to speak to a manager. I was connected with a supervisor named XXXX. He apologized that she hung up on me and proceeded to confirm that the way their process works, they can not remove charges until they post. I am still confused as to why they would call me before it posts or not mention that I need to call back after it posts in order to actually fix anything. The icing on the cake, was when the supervisor XXXX told me he would connect me with someone else to close my account. I thought, WAIT! I already closed my account. Well, it turns out they do n't permanently close it until after there is a zero balance, and I could n't have a zero balance until that fraudulent charge was removed. I am beyond frustrated and upset by a situation where I already felt violated that someone stole my information and attempted to charge things under my name. I just want there to be a clear process so that I do n't have to keep spending time and emotion on fixing a problem that I was told was already fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into XXXX procedure of removing satisfied judgments. You can see the Plaintiff asked for XXXX Please pay close attention to the document you can clearly see that I only owe {$420.00} that was awarded by the judge to XXXX XXXX Used Cars. Then below you can see my counter payments I made to the bill that was awarded.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient has been a huge problem, this morning they called my home at XXXX demanding a payment of {$100.00}, plus over {$900.00} in late fees, when I visited the website today it shows and outstanding balance of {$27.00}. First, why do we have people from other countries ( XXXX ) handling matters of student loans? Second, when I made a payment in XXXX I was told I would be given until XXXX to restart payments, now I 'm being told that is not true. The person who assisted me in XXXX is from XXXX, PA, now someone from the XXXX is stating that is not true and demanding payment today, immediately as the payment is 19 days past due. First when I took these loans from XXXX, I was never permitted to read what I was applying for, it was " sign here, sign here, sign there '' no copies of anything and next person on the line. I 'm not saying I do n't owe the money what I 'm saying is that since Navient has taken over for XXXX, it seems like the amount I owe has risen, no assistance with helping me with forbearance or other options available. First, what I studied at XXXX has never, ever been put to use, I continued to earn between XXXX and XXXX a year. Currently my wife is unemployed, I pay {$1900.00} a month rent and times are difficult, yet all Navient seems to do is to call my house 3-4 times a day, leave no message, sometimes my wife answers and they hang up. I 'm tired of being mislead by Navient and the lack of honest and willingness to assist. XXXX should also be investigated for their Student Loan practices as I believe they were taking advantage of innocent students. In XX/XX/2004, I was in total XXXX ( XXXX ) XXXX and have been diagnosed with a XXXX called XXXX which can lead to XXXX, but received no assistance from XXXX or XXXX at that time and the interest just kept rising. Previously I 've been told that I have no forbearance time left and today I was told I can consolidate my loans ( which I did a year after gradutating XXXX ), I have other options. I mean this seems like a total paradox. I have all of my original documentation that was provided to me by XXXX. As well as the IBR paperwork showing I only need to pay {$77.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Payday loan) with Nationwide Debt Management Solutions, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via XXXX mail, which i never received and told me I had 1 hour to contact them back or it was too late

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loans are being managed by FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency. ) I am currently repaying my loans via the Income Based Repayment plan under which the payment due date was preset by FedLoan Servicing ( unbeknownst to me ). I have attempted to change my due date twice over the past 6 months and have been denied under the grounds that a borrower under the Income Driven Repayment Plan can not request a new due date until they re-certify the following year. I have been unable to find this stated anywhere on the FedLoan Servicing website, nor was it stated in the document that was sent to me titled " Information Regarding Your Student Loan. '' I have requested on multiple occasions via telephone that the information regarding the denial of due date change based on my current payment plan be provided in writing, but FedLoan Servicing has failed to provide this to me in a timely manner. I am due to re-certify my loans next month, and I am not confident in FedLoan Service 's ability to complete my application and request for a new due date properly. Below is the information from the Frequently asked question section of the FedLoan Servicing Website regarding the question " Can I change my due date? '' -- As the FedLoan website states " You can change your due date if your account is not past due. However, we can not change your due date before you make at least one payment toward your loans. If you are entering repayment for the first time, please make your first payment as scheduled before requesting a new due date. '' -- - I feel that FedLoan Servicing is misleading its borrowers and I request that they provide me with all the necessary supporting information and obvious limitations of the Income Driven Plan that I am currently enrolled in.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: In 2006? I took out XXXX home equity lines of credit on XXXX of my properties. When I took out the loan I was lead to believe that line of credit would be for the life of the loan from my original morgage with XXXX XXXX. I got a letter from BOA that states that the interest rate is going to go up. They show an amount that double plus more than I am currently paying. I went to them and asked if they would allow me to keep the present line of credit and I was told no, because they do not offer lines of credit any longer. I want them to reconsider my request and not allow my payments to go three times what I am paying 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 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed this and it has come back verified. I sent them everything letters, FTC affidavit they wont remove it. they wont re investigate properly.

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