milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: When I returned to school to earn my XXXX, I called XXXX ( now Navient ) to lower my payments. They recommended in school deferment, which I accepted. After XXXX years, my repayment amount had increased by thousands. I was n't made aware at the time that there were other ways to reduce my payments without incurring so much interest. 

In addition, when I got married my bank account information changed. I used to have XXXX monthly payments that debited from my savings account. With the joint account, Navient started charging each loan payment separately, over using my savings account and prompting bank fees. I tried for several months get service assistance to switch me back to XXXX payments. Each time I called, I waited over XXXX minutes to reach a human being. When I finally did, it took XXXX different calls with different people to actually make change and get it to stick. I 'm down to XXXX payments rather than XXXX, nobody can explain to me why they ca n't condense the last XXXX payments into XXXX, and I 've given up. 

Having such awful response time and customer service seems to be how Navient does business. They waste customers ' time and wear us out until we 're willing to tolerate only the minimum of assistance. 

I had my XXXX loans serviced by XXXX and they were AWESOME! Helped me through the process of applying for XXXX even though it meant those loans going to XXXX. I 've tried to get Navient to similarly assist me in rolling over my consolidated federal loans, but the XXXX day I had time to wait XXXX minutes for a person, they seemed to have no idea what XXXX was, much less how to get my loan into the program. 

If I thought I could give all of my remaining loans to XXXX I would, but nobody seems to know how to make that happen or how much it would cost or what my rate would be. I 'm scared of losing the ground I 've gained, but I 'm also spending the bulk of my income on loan repayment. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a  XXXX . And I dont know what happened with the investigation but I tried this in 2008 and I 'm checking on the process. I ca n't open an back account its intervening with job 's I 'm trying to get, and I have my own family I ca n't do anything.

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 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have spoke with XXXX on this years ago!!! A phone was put in my name and the bill was never paid!! This should not be on my credit report!! I advised to my Attorney on this and will try this option first before the next steps!

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: PINNACLE CREDIT SERVICES out of XXXX Mn. reported a charged off XXXX cell phone on my credit. The cell phone is not and was never my cell number. Pinnacle is a debt buyer and transferred me XXXX. I informed XXXX that the cell number and bill are not mine. The Agent ( XXXX ) told me I need to file a police report. I asked if I filed a police report would that remove this account from my credit. She responded, " I do not know, I do n't have anything to do with credit reporting '' so, I asked what I should do to get this removed from my credit since it is not my account. she said she can validate my debt, by sending me the last couple statements. Unfortunately this does not solve anything. Validating the debt does not help remove a wrong account from my credit. The onus should be on XXXX to prove they legitimately opened this account. they should prove that they verified the social security number prior to opening account. XXXX then referred me back to Pinnacle. I called Pinnacle and they refused to speak to me about my credit report. they said I need to speak to XXXX XXXX XXXX. I explained that XXXX XXXX XXXX could help me. I told the woman at Pinnacle that they put this on their credit an I need them to tell me what I need to remove it and they said " sorry ca n't help XXXX '' and quickly transferred me back to XXXX XXXX XXXX. This is not my account and I want it removed from my credit. Pinnacle has an " XXXX '' rating with XXXX. they obviously do not care about doing the right thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am a victim of identity theft. My mother was the perpetrator of the crime and opened a credit card under my name and built a debt of {$12000.00} with out my consent or knowledge. I have provided substantial evidence to prove that I was not the person t hat engaged in the contract with Citibank. I included a policereport, and FTC report and copies of the credit card application, and IRS tax form, and a letter clearing me of a second credit card (  XXXX  ) that was opened as a result of Identity Theft that has the same information used to open the Citibank credit card. The evidence I includeded proved the fraudulent address, income, and phone number used in the application. Citibank has refused to recognize this case as identity theft. Citibank has yet to clear me of the debt, continues to hold me accountable for the charges that were made as a result of identity theft, has failed to abide by the Fair Credit Reporting Act, and has multiple times sent letters contrary to the statements made by the lead investigator. The investigator told me she 'believed my story, '' yet is still strying to collect.

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 07/17/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting incorrect information on my " MEMBERSHIP CREDIT REPORT '' which part of their Credit Tracker Service. On the MEMBERSHIP CREDIT REPORT IT shows my XXXX XXXX XXXX XXXX XXXX accounts as PAID XX/XX/2010 - this is incorrect, I have never been late. When I dispute the item a " FULL DISCLOSURE REPORT '' is presented which shows the XXXX XXXX XXXX XXXX XXXX as " PAID AS AGREED '', this is correct. I want Experian to correct the MEMBERSHIP REPORT and resulting FICO Score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I bought my house XXXX/XXXX/15. I had escrow held by CapitalOne to cover my taxes of {$3200.00} XX/XX/XXXX. I just received a letter from my mortgage company saying starting XX/XX/XXXX they want to increase my escrow to cover my XX/XX/XXXX taxes which they project to be {$4800.00}. There is no reason to believe my taxes will go up that much. I spoke to XXXX XXXX and they said I have been approved for homestead credit which means my taxes should not go up by more than 4 % per year. CapitalOne told me they will adjust once I can prove my taxes do not go up. I will not be able to prove that until XX/XX/XXXX The mortgage increase from {$1400.00} per month to {$1700.00} per month will be difficult for me and I do n't think CapitalOne has shown just cause for the increase.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On XXXX/XXXX/17, I received and alert that a new credit agency reported. I looked and it was Portfolio Recovery. Per FCRA guidelines they are to contact me prior to reporting this alleged debt. They have NOT. This has tainted my good credit history and my name.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXXXXXX I reviewed my credit with Experian and they have my fico score is very damaging at XXXX in which it should be higher than that. Experian statements of 60 days late payment and collection and XXXX hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XX/XX/XXXX and it was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX. No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with Experian, XXXX and XXXX. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The XXXX hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX pulled on XX/XX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX pulled on XX/XX/XXXX and XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX.pulled XXXX in XX/XX/XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX pulled on XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX.pulled on XX/XX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. XXXX.pulled on XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , California XXXX . XXXX.pulled on XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona.XXXX XXXX.pulled on XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX . XXXX.pulled on XX/XX/XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.pulled on XX/XX/XXXX and XX/XX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by Experian, XXXX and XXXX. <P/>Also I never resided or lived at XXXX XXXX XXXX XXXX, Tennesse.XXXX.This address is on Experian, XXXX and XXXX.This is Fraud.address

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 08/19/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/2015 I wrote both Equifax and XXXX a letter requesting a removal of an unauthorized hard inquiry on my Equifax credit report. The letter sent to XXXX was returned as undeliverable from the US Post Office ( this was the same address listed on my Equifax credit report ). Equifax responded on XXXX/XXXX/2015 directing me to contact XXXX directly. After a complaint was submitted via the CFPB on XXXX/XXXX/2015, they responded today ( XXXX/XXXX/2015 ) again stating that I need to contact XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting inaccurate information on my credit report. There are XXXX different XXXX accounts which does not belong to me that is afffecting my credit.

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 11-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX of the addresses listed for me are incorrect. The XXXX address and the with the strange city XXXX in Louisiana.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX reporting 90 day late payments on two accounts beyond 7 years. Late payments from XXXX reporting on accounts. Please see credit reports attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Private student loan debt) with AES/PHEAA (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Ive requested that AES/NCT stop reporting information to my credit report for accounts that I am not liable for. I have never held an account with National Collegiate Trust If NCT holds paperwork from previous loans listed below, that information should be provided, showing a complete assignment of the debt from the original creditor. 

National Collegiate bought and securitized student loans. These securitized notes were then sold to debt investors. National Collegiate then hired XXXX to pursue debtors for collecting what they considered to be outstanding debts. 

Federal laws mandate collectors to possess the documents that prove debts they want to collect are indeed owned by the people they 're pursuing. Over 2,000 collections lawsuits that were filed on behalf of the trusts were in violation of the laws. 
In these lawsuits, the trusts do not have or can not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Valid affidavits must be signed by a witness with personal knowledge of the consumers account records. But such affidavits dont exist for any of these lawsuits. XXXX employees completed and notarized sworn legal documents for lawsuits brought on behalf of the trusts. 

National Collegiate also filed at least 486 collections lawsuits after the statute of limitations had expired, including one against myself in Florida and due to the judges lack of knowledge regarding the private loan process, I decided to settle with the company for {$19000.00} to end all communication and put this behind me. Although, NCT does not legally possess any debt owed by me. 

If there is a class-action lawsuit to help those negatively impacted by National Collegiate and its debt collector, XXXX XXXX, who sued thousands of students by relying on false or misleading legal documents and could n't prove that those being sued were the actual owners of the loans in dispute I would like to be included, compensated for damages, and have the following AES/NCT accounts removed from my credit report : AES/XXXX Bank account number XXXX. 
AES/NCT - account number XXXX. 
AES/NCT - account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Medical) with Valley Collection Service, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Valley collections mailed a notice initiated from XXXX. When XXXX were called to clarify why Valley collections were utilized to collect the debt, as no invoice was ever received. XXXX the billing manager from XXXX stated the invoice was mailed to an address that had not been current in over seven years. XXXX was asked to rectify the situation, and correct the error. I stated to XXXX that payment would be immediately submitted after the corrected invoice was received. After several months of communications there was no correction made, and the matter was reported to XXXX credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed a business account that is reporting inaccurately on my personal credit profile, I have not been provided with any documentation that supports the credit reporting agency 's or the credit furnishers investigation process or any information the might have reviewed to make the decisions they have regarding this 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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/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 12-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: RE ; NATIONSTAR Mortgage - Loan # XXXX Hello, I 'm reaching out to you because it is now over 7 months since I requested help from Nationstar Mortgage to sell my under a Home Affordable Foreclosure Alternative in order for me and my family to avoid foreclosure. 

Now after we provided all the documents, buyers offer and appraisal requested by nationstar. Nationstar is refusing to work with the buyer that offer the max amount requested by Nationstar Mortgage. 

I called Nationstar Mortgage and spoke to XXXX XXXX and she told my realtor because one of her family members is interested on my home. XXXX will not review the offer of the buyer who has been waiting on the short sale approval for over 6 months. But instead she will forward my property to a website where called XXXX OR XXXX where they will conduct an auction. 

I feel this is not a fair review, the buyer who has been waiting for his offer to be accepted, which the buyer agreed to pay for the maximum amount requested by Nationstar Mortgage. it seems like they are discriminating the buyers. 


XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I mailed a payment of {$2000.00} the payment was received and cashed on XXXX XXXX, 2015 ( apparently it was applied to the wrong account number ). When I called on XXXX XXXX, 2015 I was told that they had n't received my payment so I went ahead and wired {$4400.00} ( the amount that was past due according to whomever I spoke with ). I asked that they refund the {$2000.00} and they said that they could n't because they had n't received it. I called back again because I saw that payments had been made on my account through XXXX 2015. I told whomever I spoke with at the time that I wanted the {$2000.00} and I was told that they would refund the money. Since then I have called several times and requested to get my money reimbursed. Each time I call I am told that they are working on it and will reimburse the money. I have spent hours on the phone with Nationstar and I 'm tired of getting the run around. I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was a victim of identity thief. The credit card company called me and told me they stole my credit card number, and they were doing illegal charges. The credit card company told me to file a complain for all the illegal charges, and I did. Since that incident, I did n't use the credit card, and three months later I still had a balance on the card and fees for charges that I did n't do. It is affecting my Fico score just because the company does n't want to do the job. The customer service has been a nightmare. We called at least XXXX times, and they still did n't fix the problem. Should I sue the credit card company for damage?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Credit card protection / Debt protection

Complaint: I was not given the proper 45 day notice for hiking my credit card interest rate on existing balances on my credit card. I received the notice in the mail on XXXX XXXX for a rate hike on XXXX XXXX. I also received no notice in writing for a prior late payment hike. I have never been over 60 days late. Unfortunately, I was two days late on two payments in the past three months.

Company response to consumer: Closed with explanation