milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient reported me 90 days late to Credit Bureaus XX/XX/2017. I was approved for forbearance on XX/XX/2017 to include the months which they reported me. I spoke with the advocate office and they indicated I listened to their recorded terms of the agreement when I was approved for forbearance and they reported accurately. They did mention that they updated the Credit Bureaus that I was no longer past due however that did not remove the 90 day late from my credit report. My argument is this. Navient approved my forbearance for what was past due, which brought my account current with no payment due for those months and my next payment is not due until XX/XX/2017 - than Navient is NOT providing accurate information to the credit bureaus. They are supposed to correct and update the information they are reporting as ( they ) Navients records now show that there was no late payments on my account as they approved the forbearance to be retroactive and delete the past due amount from their records to bring my account current. Should Navient not report this same information to the Credit Bureaus as well? Who regulates these agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/XXXX I received a letter from Affiliate Asset Solution, LLC collecting a debt for XXXX XXXX XXXX. of XXXX. IPer the Fair Debt Collection Practices Act I wrote a letter asking them to provide proof that XXXX XXXX XXXX XXXX XXXX make an attempt to claim my Health Insurance for services rendered on XX/XX/XXXX. I also request they stop calling until the information is provided. I mailed the letter certified on XX/XX/XXXX. According to the tracking number XXXX XXXX XXXX XXXX XXXX the letter was delivered and sign by Affiliate Asset Solutions LLC on XX/XX/XXXX. <P/>Today, XX/XX/XXXX I received 3 calls from Affiliate Asset Solution LLC even after I requested in writing to stop. I contacted Affiliate Solution and spoke with " XXXX '' which she attempted me to confirm personal information over the phone without providing her last name and employee id number. I gave her the account number and she confirm they " remove '' my phone number of the list so I told her that since she confirmed receiving the letter when can I expect they will provide the information I requested and she stated that they will not provide me with anything until I verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon reviewing my credit report i noticed an account that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt.

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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX Fraud XXXX XXXX Fraud XXXX XXXX Fraud XXXX Fraud XXXX Fraud XXXX Fraud XXXX XXXX Fraud All of these inquiries on my credit report were obtained fraudulently.

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 11-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Billing disputes

Complaint: I had setup my credit card account with Bank of America to AutoPay and it was working fine for several months. Suddenly, the minimum payment amount increased due to a promotional period ending. The AutoPay did not adjust the payment amount so it did n't make a full payment. Now, Bank of America has a delinquency mark on my credit report that says that payment was over 30 days past due. They refuse to correct it, saying that it was my fault that I did n't make the full payment. Their site is very misleading about how AutoPay works and I firmly believe that they are at fault here - why should I be punished for this??

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 06/21/2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The categories you provided were not entirely accurate or descriptive. This complaint is against XXXX XXXX, which provides billing services for health clubs. Look online at ratings and you will learn all you need to ... a litany of 1 star reviews. In my case, the expiration date on my credit card changed. I received a text message from XXXX informing me that the charge for my gym membership declined. No problem. I called within 5 minutes to update the information when they informed me they were charging me a {$20.00} fee for the declined credit card transaction. There is no cost to the company for a declined credit card transaction and I have never, ever seen a company that charged for that purpose. I ca n't recall any other company where I even need to update the expiration date but, if I do, there has never been a fee for anything related to that. Given I signed up for my gym membership a long time ago and have no communication from them or XXXX at any time related to my payments, to billing, etc. there really is no practical way for me to be aware of any issues. In addition, I would n't have known XXXX   was the place to contact as my gym name appears on my credit card statement each month.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Credit card) with Halsted Financial Services, LLC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Halsted Financial Services continues to call me at least 5 times a day. When I called the area code ( XXXX ) number they wanted me to confirm my social security number and date of birth. I refused and asked them what this was about. They would not tell me. I do not owe any outstanding debts and have told them to quit calling me. I have told them I would contact the CFPB and file a complaint. They hung up on me without saying good bye. This needs to STOP. The caller idea says the company is Halsted. But different area codes keep turning up on my caller id from XXXX, XXXX, XXXX, and XXXX area codes. Please ask them to stop harassing me over a debt that I do not owe.Have t

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Customer service / Customer relations

Complaint: Citi should report both account ending in XXXX and XXXX with a {$0.00} balance to the CRA because the account are being handled by XXXX XXXX XXXX and XXXX. Citi is in violation of the FCRA, Citi is currently reporting chargeoff credit card account ending in XXXX with a balance of {$3500.00} and account ending XXXX with a balance of {$3400.00} to the credit reporting agencies. Citi advised me that accounting ending in XXXX is being handled by XXXX and Account ending in XXXX is being handled by XXXX XXXX XXXX. This is from my complaint XXXX with Citi responding XXXX. This was Citi responding to my complaint. 

" We have received your inquiries that were submitted to the Consumer Financial Protection Bureau regarding the validity of the debt on the above-referenced accounts. 

After reviewing our records we have confirmed that the debts are valid and we are providing you with monthly statements since the accounts were established that confirm the debts. The enclosed monthly statements reflect the date and amount of payments, credits, balances, and charges concerning the debts, including but not limited to interest, fees, charges or expenses incidental to the principal obligations that we are expressly authorized to charge by the credit card agreements. 

Our investigation indicates that your accounts were opened on XXXX XXXX, XXXX. After conducting an investigation, we have determined that you applied for the accounts online ; therefore, physical copies of the applications are not available. The amounts of debts as of XXXX XXXX, XXXX are {$3500.00} on the account ending in XXXX and {$3400.00} on the account ending in XXXX. Your last payments in the amounts of {$86.00} on the account ending in XXXX and {$80.00} on the account ending in XXXX were received on XXXX XXXX, XXXX. Please ensure that your payments of no less than the full balances are received by XXXX XXXX, XXXX. 

Our records indicate that due to the delinquency of the account, we referred the account ending in XXXX to XXXX XXXX XXXX for their handling. Any future correspondence in regard to the outstanding balance, as well as any payments, should be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is XXXX XXXX XXXX XXXX. The account ending in XXXX was referred to XXXX XXXX XXXX and any correspondence regarding this account can be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Their phone number is XXXX XXXX XXXX XXXX ''. 

Sincerely, XXXX XXXX Executive Response Unit XXXX cc : Consumer Financial Protection Bureau Case # XXXX Case # XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE *Our telecommunication number for our hearing impaired customers is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I noticed that MRS BPO LLC., is appearing my XXXX and XXXX credit files. I am disputing the validity of this alleged debt, for the following reasons : 1 ) The debt does not belong to me ; 2 ) MRS BPO LLC., has not sent me any documentation which links me to this account and they have not submitted their validation and position to collect on any such account, they have not produced any documentation of any signed agreement ( s ), which would also suggest this alleged account belongs to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We missed several mortgage payments with Nation Star Mortgage. When we called to make our account current, they gave us an amount to pay for all months including XXXX ( on XXXX XXXX and we paid it ). Then in XXXX we received notice that we owed backpayment for XXXX as well as XXXX. Throughout the last several months we have submitted payments- which were held and returned eventually- ( they would hold them until new fees accrued and then say our payments were not enough to cover the amount plus those new fees. ) They have lied repeatedly about how and when we could make payments. They consistently 'lose ' faxed information- or even say that we did n't sign- even though we have copies of the faxed documents which show that we signed or included information which they say is " missing ''. Now they are foreclosing on our house. They will not provide a reinstatement quote. The amount we owe changes by hundreds of dollars between people in less than an hour of time. XXXX agent told me if I made my payment out to him personally, he could accept it and apply it to our balance. The fees are exorbitant, and they will not tell us what the fees are for. All we want to do is pay the money and keep our house, but they are making it impossible- by not allowing us to know the amount we would need to pay. Legal documents that we have received from them have things crossed out and handwritten in. Pages have been omitted, and then someone blacked the page numbers out so that it would appear no pages were omitted. We are never able to speak to the same person twice. It takes hours on hold to even talk to an actual person. They have terrible customer service, they lie, and I feel they are predatory.

Company response to consumer: Closed
Consumer complaint received 03/26/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: I have submitted numerous stop orders to Chase regarding a charge of {$44.00} per month from XXXX XXXX XXXX XXXX. It is still being taken out after I submitted a charge back. I also contacted the company and they told me it was cancelled and I am still being charged. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My daughter attended XXXX in XXXX, NC. upon her graduation she immediately began getting a call from Citi , Corp. She assumed it was fro a credit card that she had gotten when she first attended college and told them that she dd not have a student loan with Citi . I was immediately contacted and told to pay the loan. I told them my daughter did not have any private student loans and I had not co-signed for any student loan other than completing her FAFSA. They immediately began telling me that I needed to pay the loan or they would have my daughter investigated for fraud and imprisoned. I requested confirmation that I had signed for this loan and was refused on the grounds that " it was not my loan ''. I contacted her school and was told that they had no documentation of this loan or a disbursement to my daughter. Shortly after the loan was placed on my credit report and my score dropped significantly. I was contacted again at my place of employment and when I asked how they obtained my work number, the CSR told me they were a credit issuing company and they could obtain any financial and employment information out about anyone. I again asked for verification that I signed the loan and was refused. I also asked that the loan be deferred since I was a full-time student and was told " not possible since the loan was not mine '' so I asked that it be removed from my credit report and the request was also refused with the CSR saying they could always have my daughter investigated fro fraud and imprisoned if XXXX of us did not pay. Finally after they defaulted the loan on my credit report and refused to send me any documentation, I contacted them about repayment. They told me they would be glad to send me the documentation once the loan was paid. I paid the loan in full and later received a XXXX page loan application that contained neither a signature for myself or my daughter. Instead, the signature line for both has typed " signed electronically ''. The School Certification section is completely blank except fot the school ID code and there are no signatures from any school official on the application, or any other information form the university. Additionally, the original loan request was for {$10000.00}, which far exceeded what it would have cost my daughter to attend this public university as she was a commuter and stayed with family members and at that time they " issued '' this loan, my annual salary was only {$30000.00} so there was no way I could have afforded a {$10000.00} loan. My daughter also received FAFSA and XXXX during this time and a scholarship through my place of employment so this loan would have been completely unnecessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied for a capital one credit card on XX/XX/2017 and never received any more information other than that I had been approved for the card. Never received a card in the mail or anything. And now it shows up as a hard inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Medical) with Phoenix Financial Services LLC (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I just pulled my credit report because I noticed a XXXX+ point drop in my score on XXXX due to a new medical collection. The collection agency ( Phoenix Financial Services ) says it is from an ER visit from XXXX at XXXX. I have had no knowledge of ANY outstanding medical bills other than two current bills that I am currently making payments on from XXXX. I never received any notification in the mail from the hospital or the collection agency about any outstanding balance. I never received a notice of right to dispute the claim either. This is the first I 'm hearing of this. I contacted insurance company to check for an EOB, however they state that they do not keep records back that far ( only 3 or so years back ). I also contacted XXXX 's and they say that they do not have records back that far either. The company that is now handling their financial records took over some time in the past few years and they did not keep records going back to XXXX. There appears to be no way to verify this debt/collection effort. 

Again, I had no knowledge of the debt and I am asking that it be removed from all three credit bureaus as it is negatively affecting my credit. Any help you can provide would be GREATLY appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: They mishandled my information, which puts me and millions of other people at risk for identity theft and fraud. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a private student loan through XXXX XXXX, now Navient. My mother is the cosigner on the loan. I have been negotiating with Navient to reach a payment amount that I can actually afford. Today, Navient called my husband on both his cell and at his work number and left messages demanding I call them before XXXX or they were turning my loan over for debt collection. My husband is not listed as a contact for my account. I have no clue how they would have gotten his contact info, except for maybe a XXXX search. It seems like leaving a message regarding my loan is a violation of my privacy. Navient already calls me between XXXX times per day. In addition to that today, there was XXXX call to my mother and XXXX to my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NH).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance of my home mortgage with Freedom Mortgage on XXXX/XXXX/2016. Finally closed on XXXX/XXXX/2016. I received numerous requests for the same information. Delay after delay. Incorrect information on documents sent to me numerous times. A request for a letter of explanation from my employer for an error caused by Freedom Mortgage. I sensed a delay in wanting me to get frustrated and walk away from the refi due to the slightly lower interest rate and my adding cash at close in order to increase my equity and eliminate the need to pay for mortgage insurance.

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 01/22/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XXXX XXXX convinced me to consolidate my loans with them back on XX/XX/XXXX. XXXX XXXX ensured me that my payments were going to count towards the Public Service Loan Forgiveness Program. I did not know any better. I called a few times to ensure that my repayment plan would count toward this Loan forgiveness program and was assured that each monthly payment would count. I kept making payments to them until the Fall of XX/XX/XXXX. I went to the XXXX website and transferred my loans with them to enroll in a qualifying Income Driven Plan. XXXX XXXX was not honest with me and made me think that my payments with them were qualifying towards the Loan Forgiveness program. XXXX told me that none of the payments I made with XXXX XXXX qualify towards the Loan Forgiveness program. Either XXXX XXXX or XXXX lied to me. This is injustice. I am serving my country by working on counter-terrorism initiatives at a government agency and these loan companies are taking advantage of former students like me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Caliber Home Loans, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXXand XX/XX/XXXX I have asked them to be remove and it still has not been done yet.

Company response to consumer: Closed with explanation