milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was with Navient for my student loan servicing for many years. I would be asked to document my income every year and complain about the amount of my payments. I was offered and took a forebearance on many occasions and for extended periods of time as my principle balance increased and almost doubled what I actually borrowed. When documenting my income I always checked the block asking for the lowest possible payment. My loans were transferred to XXXX to take advantage of the PSLF program. During discussions with an agent she suggested a different repayment plan which would considerably reduce my payments. I asked her why when I was with Navient, if I always asked for the lowest payment when verifying my income, why would n't I already be in that plan. She explained there had been problems with Navient in regards to these types of issues. Having recently completed the change to the new plan my payment was reduced by approximately 40 %. I submitted a complaint to Federal Student Aid and recieved a letter fromNavient denying any wrong doing. I feel Navient has cost me thousands of dollars over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I paid in full {$390.00}, a collection to Enhanced Recovery Company ( ERC ). It was only in collection for a very short time but it was paid in full. ERC has this collection listed on my credit report as paid, but for less than full amount. This is completely incorrect. I paid this account in full. I sent two letters to ERC asking them to validate and change/delete the erroneous information. One on XX/XX/XXXX and the other on XX/XX/XXXX. I have not received any kind of response from them. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (IL).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I closed an account with GE Money Bank/Care Credit. The balance owed to me was {$120.00} however GE Money Bank would only acknowledge {$39.00} of the {$120.00} actually owed. It was XX/XX/XXXX, national banks did whatever they wanted. The consumer had no rights whatsoever. 
Fast forward, to XX/XX/XXXX, I get a notice from Synchrony Bank that account ending in XXXX had a refund balance of {$39.00}. I jumped through all Synchrony 's hoops and returned the requested form three ( 3 ) times via certified mail. Synchrony still claims that they are investigating the refund or it has been forwarded to a third party vendor or it was refunded to the state of Illinois. The correspondence from Synchrony Bank states that the account is owned by Synchrony Bank so the investigation and 3rd party vendor claim is just another pack of national bank lies. The State of Illinois Attorney General, XXXX XXXX, Case # XXXX, states that she has not received a response from Synchrony Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Payment to acct not credited

Complaint: Speedy cash without my permission debted my checking account twice. This unauthotized transaction caused my account to be insufficient. Spedy cash was suppose to cash my personal check not debted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a medical bill for my son to  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX  in the amount of {$350.00}. On  XXXX / XXXX / XXXX , I received a bill from a collection agency for the same amount. I have tried contacting the company by phone to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My flood insurance for the year of XX/XX/XXXX was cancelled due to non payment from my escrow account. I was sent an over payment check from my escrow account that was supposed to be used to pay for my flood insurance, then told to me by your agent XXXX that this was a mistake on Quicken side ; this is not reliable business to have since I 'm living in a flood zone area in XXXX Va. Then XXXX tells me that I would have to pay the money back that I was n't expecting, to pay on a cancelled flood policy that has n't been pain on since XX/XX/XXXX.The money has been spent. 
I was not notified that I had to pay any money back when I received the check ; that 's a mistake that Quicken made. 
I have since got another flood insurance policy and paying much less than before ; there should be a change in my mortgage payments, why do I have to wait for a escrow analysis because of mistakes Quicken has made. I have also changed my home owners insurance for a decreased premium rate and still paying the same amount of mortgage. which brings me to another mistake Quicken has made, told to me by XXXX, by paying 2 premiums in the month of XX/XX/XXXX, for my home owners /hazard insurance, each payment was XXXX, WHY? why is my hard earned money being tossed around this way? I 'm amazed and not happy about this

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX Trans Union are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 04/28/2016 about Debt collection (Medical) with Capio Partners, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hello, I just received a notification from my credit monitoring agency that a company by the name of CAPIO PARTNERS LLC has flagged my credit file on XXXX/XXXX/2016 and reported a collection account. I have never heard of this company before today, and had never received any demands by phone or mail regarding same. I called this collection company after I checked my XXXX credit profile today and spoke with one of their associates who immediately started negotiating a settlement, however, I demanded answer as to why they never sent me any mail or phone call me in this regard. The associate repeated the address that they ( supposedly sent sometimes on or about XXXX XXXX 2016 ) and she verified the address the mail was sent to but, that did not include my unit number. My condominium complex has over XXXX XXXX units and that 's the reason I never receive any identifying demand letter, with all mandatory legal disclosures, account information/number, etc. from CAPIO because they failed to put my full and complete address so that my rights would be protected. Then, the associate transferred me to her supervisor, and after several minutes being on hold, the supervisor came on line and immediately started offering XXXX % discount, if I settle the account with the company. I demanded explanation as to why the initial demand letter was not sent to my address accurately. The supervisor began back tracking about my unit number and claimed the associate was wrong and that the unit number was on the address. He tried to cover this up ; Nonetheless, I never received any mail in regards to this claim of debt. 

After my conversation, I feel, this company 's intentions are questionable as they tried to settle the so called debt at the time I was trying to verify who this company is and why was n't I given the due right to review their claim and respond accordingly. This unjust action has caused a XXXX point drop in my credit score today which will immediately impair my credit worthiness thus creating a major setback at the time my family is financially struggling to survive. This company acted intentionally maliciously to force me to settle a claim which is not proven and will surely be disputed. Another company had filed a claim regarding same and they could n't prove the debt and they threw it out. I do n't owe thus there should not be a flag on my credit profile until the debt it 's proven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CREDIT COLL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : 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 CREDIT COLL 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 including : 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 : CREDIT COLL 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 XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/2006 our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened betweenXX/XX/2006 and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save XXXX and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This company SYNCB/CARE CREDIT has reported in my account an old credit card from 2009 on my report says its closed but labeled revolving. Also when calling them to try to resolve this issue they say they sold it to XXXX XXXX. When trying to get ahold of that company they are no longer in business. So my question is how am I supposed to have this removed from my report if they wont even let me work out a payment arrangement or give me more details on the account?

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 card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I 've had a JCP credit card for over five years and have paid my bills on time. At one point years ago, I even paid off my balance but I kept the card and kept using it over the next few years. In XX/XX/XXXX, I decided to once again pay off my bill and did so online. During that process, I realized that I used the wrong account to pay off my balance so I called the company to inquire about the best course of action. We came up with the solution that I would stop the payment on my checking account and that same day, paid off the balance using my savings account. I thought that was the end of that and since I have never had a problem with JCP, I was under the impression that this was taken care of. A month later, I received a bill and after I reviewed it, I realized that the payment was not taken out of my savings account so I called the company, and paid the bill over the phone again. The next letter I received was from JCP stating that they have closed my account. I asked what the reason was and I was told that I have stopped payment on the account and that my last two attempts to pay was unsuccessful and returned. They asked me to submit proof that I had indeed paid off the balance and I sent them the attached copy, thinking that would solve the problem. I also called my credit union and with a representative on the phone from my bank, they confirmed that the payment was paid. Now, this is three months later. I received another bill from JCP and at this point I was livid. But, there was this customer representative on the other end of the line from JCP, who is one of the best ; she carefully reviewed my account and informed me that the reason my payment was being declined over the past few months was because I was using a savings account to pay off my balance and that is why my payments were being rejected. No one prior to that conversation from JCP has ever told me that before. So, my account was closed and I was accused of using a fraudulent bank account to pay off my balance, when all along, I was just not informed. Needless to say, I drove to my credit union which is 2 hours away, obtained the cash and paid my account in full. I am not sure what happened with my credit union and why the payment was not sent, but I am in the process of discussing that with them. My fear is that this was reported to the credit bureau resulting in my credit score being affected, and, I am without a JCP card. I would love my card back, but I refuse for them to run my credit. I believe that they should reinstate my card because they neglected to inform me of the reasons why my payments were being rejected.

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 03/14/2018 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I purchased two cement trucks and they are being financed by XXXX XXXX XXXX. They are out of XXXX Minnesota XXXX. I fell behind on my payments and advised them i would be getting payments myself to be able to send to them. They chose to recover vehicles and refused to accept payment which was scheduled for XX/XX/18. The collection agent XXXX XXXX  has belittled me by saying i am an embarassment. I also have spoken to his assistan XXXX  and she does similar actions by screaming at me over the phone. I humbly do not disagree i have paid them late probably every month but i do catch up by paying two even three payments at a time. On the latest incident XXXX XXXX is addament i took the equipment out of the country to XXXX. I replied that claim is absurd and untrue. I tried speaking to the sales finance manager and he said i have to speak to him directly to resolve this matter. I chose to communicate by e-mail to avoid further trash talk from XXXX XXXX. He replied that if i did not speak to him directly nothing would be resolved. I made the attempt to speak to him again and proceeded to tell me " do you know you have paid late every month ''. I replied " is this the part where you tell me i should be ashamed of myself '' and he replied he wanted to take the second unit i have financed with him. I told him i was prepared to be current this Friday and he said he did not want to accept that offer. The dealer who sold us the cement trucks stated they are accustomed to doing this sort of thing to customers because they take the majority of the payments for several years and then they try to resale the vehicles and make all the monies that were paid in monthly payments on top of what the vehicle resales for. I have purchased millions of dollars of equipment in my 16 years of doing business and i can not recall having to deal with such a negative individual. I also have never defaulted on a 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 08-05-2015 about Debt collection (I do not know) with GLENN ASSOCIATES MID-ATLANTIC, INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have an acct with you that was from identity theft and is fraudulent that i have not opened or opened any associated account i have filed a police report regarding this issue of the acct being opened fraudulently and have a notarized identity theft affidavit and it has yet to be removed or collection closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections Services, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter from secretary of state regarding notice/order of suspension. I attempted to call the collection agency for XXXX XXXX XXXX. However, I requested a print out of all tickets ( debts ). I was informed they could n't provide this information to me. Also, the collection stated '' that my driver license had been suspended and full payment was need :. At this time, I asked for her name and informed her that my license was not suspensed and I never received any information regarding the debt owed. XXXX, stated that she found that hard to believe. I asked to speak with her manager. I spoke with her manager regarding the incorrect information I received and the way I was treated. I questions why did tiffany give me false information and why I never received copies of this debt. XXXX, the manger stated that they reached out and sent me XXXX letters which she is stating its being returned back to them. I find that hard to believe when I receive all other mail. Please help me because I do n't have {$2800.00} and is willing to make payment arrangements as long as they can provide proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Threatened of being taken to jail. 
I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.

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 04-08-2015 about Debt collection (Payday loan) with Set Financial Corporation (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved into my current residence XX/XX/XXXX. The prior resident XXXX XXXX XXXX was evicted from the residence due to non payment of rent. She had an installment loan with SET Financial I have had representatives of SET financial show up at my residence numerous times at night XXXX trying to contact XXXX XXXX. Yesterday on XX/XX/XXXX I came home to find a constables business card left on my front door stating a case was filed. After contacting the constable I discovered the claim was not against me but XXXX XXXX for SET Financial. I informed SET Financial today XX/XX/XXXX that if they do not cease all harassment against me trying to find XXXX XXXX that I will take legal action against SET. I do not know XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed