milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I would like to register a compliant about a company by the name of Navient. Navient is the servicer of my son 's student loan on which I had cosigned. He attended the California XXXX XXXX in XXXX XXXX. 
XX/XX/XXXX, I was getting numerous phone calls from Navient because my son was in arrears with payments. I learned that he had not made a payment since XXXX XXXX and when I finally got in touch with him, he informed me that he was no longer going to make any payments on this loan. To get a handle on the situation, I contacted Navient to get information on what I was responsible for going forward. I asked for a copy of the original paperwork along with payment history. I received a letter dated XXXX/XXXX/XXXX with XXXX papers enclosed. XXXX was a promissory note dated XXXX/XXXX/XXXX with my signature as " Parent Borrower ''. The other was a paper titled " Notice of Loan Guarantee and Disclosure Statement for Federal Plus Loan Disclosed as of XXXX/XXXX/XXXX ''. This disclosure notice gave a variety of information on the loan along with the amount of {$24000.00}. My signature was not on this disclosure form. I contacted Navient again in XXXX to get the payment history that I had wanted and they set me a cover letter with the original loan amount of {$50000.00} and a principal of {$77000.00}. The current loan amount is listed as {$79.00}, XXXX after accrued interest of {$1400.00}. 
I do not have any document with my signature on it with any correlating loan amounts. I do not have any information as to how these amounts were derived. The records they have provided do not demonstrate that I agreed to any specific loan amounts. It appears that I have fallen victim to Navient for their unfair, deceptive, or abusive acts and practices ( UDAAP ). This violates federal regulation and should be investigated. 
This presents a substantial burden on me at this time as I am retired and living on a fixed income. Can you please look into this to see if you can provide me with any type of relief?

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with Capital Management Services, LP (FL).
Issue: Other

Complaint: Got a call on a credit card account that was delinquent and had been turned over to Capital Services debt management to collect the outstanding balance of ~ {$2500.00}. I did not recall having an account with the credit card company, XXXX. I then called XXXX and they confirmed that I DID NOT have an account with them. I then called Capital back, but they would not discuss anything with me unless I gave them my SSN. I was not about to give then any information, so we hung up. 

I looked the company on the Internet and saw/read many complaints. Sounds like these folks are scammers and I wanted to report them to someone official.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Reporting charges that are not mine.

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 08/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: Based on my research, My original Servicer was XXXX, which filed bankrupcty 2008, and later discover third party debt collector known as Ocwen loan servicing and XXXX shown as the lender/beneficiary. Based on my discovery I 've notice Respa violations, Truth n Lending, Preditory, Adjustable Rate Mortgage, the whole entire loan was in violated under the Underwriting Deceptive Practice Act. 
Third Party debt collector known as Ocwen Loan Servicing does not have a license/ or consent order in the state of Maryland with XXXX Commissioner Finance Office to as as a Servicer /Debt Collector/Lender based on updated research. Therefore they need to investigated. Also XXXX XXXX XXXX XXXX needs to  be investigated, never had a contract agreement or any fair dealings pertaining to the loan and the equity interest in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am showing as late XX/XX/XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Diversified Consultants Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : XXXX This letter is sent in response to a negative entry on my credit report posted by your company. 

I have not ever received notification from you regarding this debt as required by the Fair Credit Reporting Act ( FCRA ), Notice of Negative Information Provision Which is Part of the FACT Act 623 ( A ) ( 7 ). 
I was only notified of the debt and the account number with your company from a lender that requested my credit report. 

I am requesting that you provide validation of this debt and that you immediately remove this negative mark from my credit report as I was not notified as required. 

If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Colorado Attorney Generals office. 

Civil and criminal claims will be pursued. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Debt collection (I do not know) with COAST PROFESSIONAL INC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a phone call from " coast professional '' at my place of employment. The person on the phone asked if I was ( my name ). After I said " yes, '' she then asked me to give her either my phone number, address, or last XXXX digits of my social. I became very uncomfortable & asked her what this call was about. She refused to tell me until I gave her XXXX of the XXXX bits of information. At that point, I looked up the company online & saw that she was calling on behalf of a debt collection agency. So, I asked her if her call was regarding a debt collection. She said she could not tell me that information, but offered to let me speak with a supervisor. The supervisor then asked me to provide XXXX of the XXXX pieces of information. He also refused to tell me if the call was in regard to a debt collection. Although I was very nervous to give him any information, I did. The supervisor then told me I was n't the person they were looking for. Anyway, my belief is that this was a fishing expedition. As soon as I said I was the name they were looking for, the company was required, under the Fair Debt Collection Practices Act, to identify themselves as debt collectors. They did not.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Credit card) with First National Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection letter saying that I owe {$260.00}, from an outstanding debt with XXXX in a checking account # XXXX which was transfer to XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted XXXX directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: In XXXX of 2017, Bank of America closed our account after we had been a customer with them for 30+ years. They advised us that they were no longer interested in having us as a customer. 

Today, in our mail, I received a solicitation telling me that my credit is great and that I have been " preselected '' for a credit card. 

This is very confusing and upsetting. Last summer caused my husband and I financial and emotional hardship having to deal with switching banking institutions and now they are reaching out to me asking me to be a customer? This should not be allowed.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AZ).
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: Wellsfargo is reporting a 30 day late inXX/XX/XXXX2017 but the theirXX/XX/XXXX statement and my Wells Fargo branch manager prove I was not late that month. After disputing and calling no nothing has been resolved.

Company response to consumer: Untimely response
Consumer complaint received 03/28/2017 about Credit reporting () with Sherloq Group, Inc (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed these accounts with Merchants Association Collection ( see attached letter ). To date, this collection agency is yet to provide me substantial documentation to support my owing them. I have requested copies of all documents sent to me regarding these accounts as well as papers that show I agreed to pay them what they say I owe and that the documents bear my original signature. I have never heard of this company. This erroneous, inaccurate, unverifiable account must be removed from my reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received 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 01/27/2018 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: Old information reappears or never goes away

Complaint: I have paid for 2 accounts that were in collection and also sent them letters to clear all hard inquiries from my credit reports which is affecting me but every time I call they tell me to send them letters again and that they can't or won't remove my hard inquiries I got over 34 inquiries and that really affects my credit score I am working with a loan officer and through his recommendations I'm doing letters to have them clear. But transunion employees are to rude

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Recently became aware of a credit card with   XXXX   XXXX   that was opened in my name by my sister and her husband. The account is past due and affe cting credit score because  both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them.  After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I a sked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.

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 09/28/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a hard inquiry on my Equifax credit report by XXXX dated XXXX XXXX, 2016. I think this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES 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: Account was opened XXXX. High balance of {$780.00}. I mailed a certified letter to the creditor in XXXX XXXX requesting account be validated. I put in a credit dispute in XXXX XXXX, and XXXX XXXX stating inaccuracies in the reporting ; the date of 1st delinquency was in XXXX ; account is too old to be still reporting to the credit bureaus. This account was updated as correct. If account went delinquent in XXXX XXXX, XXXX then the balance should be {$0.00} by now since XXXX XXXX when the acct was opened. However, original late payments are not reflected on credit report, only the last 1st delinquency in XXXX XXXX. Account was left owing {$240.00} but was sold to PRA in XXXX XXXX showing charged off to {$540.00}. I have tried to resolve this issue and request my payment history for XXXX XXXX  from date of account opened in XXXX XXXX. They have refused to provide me payment history and continue to report the account on my credit which is now 9 years old because they do n't want to remove it as stated by law. I have requested the account be removed to no avail. Also, I am currently dealing with PRA for a settlement of an incorrect balance owed and have request the same payment history from PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage XXXX XXXX XXXX XXXX Tx XXXX are not provide homeowners with prompt, regular, and accurate information about their mortgage loans statements before XX/XX/XXXXbsince the life of the loan beginning XX/XX/XXXX. Under the new federal rule, which went into effect on XX/XX/XXXX, mortgage servicers must send monthly statements ( there are some exceptions ) that contain detailed information about your payment, delinquency, and who to contact for questions. I have called three times regarding statements not being sent timely. I have to waste printer paper and ink to print my payment coupon. The also have a pending class action suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Auto debt) with Home Credit Corp. Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Home credit still making me responsible for this debt.. I had made a payment arrangement with them and they took my money.. a week later the vechicle was repossessed without even contacting me they are still reporting bad information on my credit report as if I still owed them that amount ... my ex wife had fraudulent put that auto loan in my name.. and because it was on my credit report I had no other choice but to make payments.. I filed a police report that this bad debt shouldve removed of my credit report ...

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 11-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: You are now in direct violation of the FCRA. It clearly states this in your response prior that it will take within 30 days which was XX/XX/XXXX. It is now XX/XX/XXXX and still no response. 
We respectfully request that the item in question be removed from my account ASAP.

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 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (OH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX is blocking me from enabling external applications. I want access to enable such applications.

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 08/28/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have XXXX chase bank credit accounts on my credit reports and I have disputed them with Chase They respond back with that they are my accounts but I have asked repeatedly for proof as in copied of the signed applications and proof of payments They have never provided them to me I have asked managers to look into it and they ca n't see them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2017 about Credit card or prepaid card (Government benefit card) with Xerox State & Local Solutions, Inc. (OK).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I filed a dispute onXX/XX/XXXX in the amount of {$100.00}. Epiccard/ XXXX XXXX XXXX program issued a provisional credit on XX/XX/XXXX in the amount of {$100.00}. The dispute was resolved in my favor and I recieved a letter from Eppicard stating that the provisional credit will remain on my account. The merchant XXXX whom the dispute was against also issued back the refund to Eppicard. On XX/XX/XXXX the provisional credit was reversed with no explanation. Since the letter stated that the dispute was in my favor and the provisional credit will remain, I did n't expect that my account would be debited the credit at a later date. As a result of the debit my account became negative, hence I did not recieve my monthly Stipend of {$100.00} on XX/XX/XXXX. Each time I contacted customer service, I was told that the credit should not have been reversed and they are submitting a tracker to the department responsible for crediting Back the {$100.00} to my account. I asked if I could speak to that department directly and was told by XXXX, XXXX, XXXX, XXXX, XXXX, XXXX a supervisor name XXXX and several other customer service representatives that they are submitting a tracker for me to recieve back the {$100.00} and there was no way for me to contact anyone else in regards to the dispute. These are just names of people I have spoken to monthly in the department that I contact to file the dispute. It 's now XXXX and 4 months after the reversal and I still can not get back {$100.00} that 's due to me. The dispute tracking ID number is XXXX. The tracking ID that the reps claim that they are issuing to their higher ups in regards to my complaint is XXXX. 
I contacted XXXX who gave me XXXX XXXX stating that they are the financial institution responsible for the card, after contacting XXXX, I was told by XXXX that they only make and sell the plastic to Eppicard and that they are not involved financially. 
Contacting Consumer Financial Bureau is my next step before filing a civil claim which cost {$50.00} in my state and then I 'll also sue for the court cost. I am hoping it can be resolved at this level. I will also hold XXXX accountable as this company is bearing its name. 

I was not able to upload the letter that states I can keep the provisional credit, but I have a copy and I also taped my phone conversations with Eppicard, the state of Oklahoma law states as long as one party knows it 's being taped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, allowing for a massive data leak. This puts myself and millions of others at risk. As per their website, XXXX, I 'm listed as a potential victim and would like to see a resolution. 

Their abhorrent behaviors of selling off stocks before disclosing the leak are indications to many that they lack remorse for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (MI).
Issue: Trouble during payment process

Complaint: On XXXX/XXXX/2017 was told that BSI is serving my account but they can not find it?
How do I PAY?
Loan Modification Info. requested??

Company response to consumer: Closed with explanation