milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On XX/XX/XXXX I emailed the CEO of Navient XXXX XXXX explaining that I have two student loans that were opened through US Department of Education/Stafford Loans that came out of deferment XX/XX/XXXX totaling {$17000.00}. A representative by the name of XXXX called me from Navient and advised me that she 'd be reviewing my account on XXXX XXXX XXXX behalf. Since speaking with XXXX, my account balanced has actually increased to the tune of {$18000.00} with a 7 % interest rate as of today XX/XX/XXXX. I have a total of 15 late payments that are showing up on my credit report based on XXXX XXXX  Student repayments options that have never been verified through Navient. I also, asked XXXX about loan forgiveness or a better repayment option and she replied that the type of loan I have is not " eligible '' for loan forgiveness or a different repayment option. I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the repayment options to keep the loan in deferment/forbearance. My loan repayment plan will be affective until the year of XX/XX/XXXX at that time I will be XXXX years of age.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Struggling to pay mortgage

Complaint: Ocwen is the servicer handling my Mortgage Loan. Because of the various hardships, already mentioned in my hardship letter and various other communications, I fell behind on my Mortgage payments. 

Hence I have submitted an application for a Short Sale. I understand my 3rd Party has submitted all the necessary documents to Ocwen and they have acknowledged it as well.

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 12-02-2016 about Debt collection (Credit card) with REGIONAL MANAGEMENT CORPORATION (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I still have an account showing on my credit report who was included in my bankruptcy. I still also received treated phone calls regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am CEO of my own company, XXXX XXXX, a small consultation firm. The defendant, Midland Credit Management Inc., stole my identity and committed acts of grand larceny. According to my credit report, Midland Credit Management Incorporated tried to extort {$550.00}. They have repeatedly harassed and menaced my place of business in order to extort money from my business and commit new acts of grand larceny.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a collection placed on my equifax by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the Fair Debt Collection Practices Act. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the FAIR CREDIT REPORTING ACT. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to equifax that the thirty days passed and I received no validation of my debt and I had asked equifax to remove this collection immediately. Equifax never responded to my dispute ; it has been over six months. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (I do not know) with GC Services Limited Partnership (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: GC Services, out of Texas, is calling from a spoofed local number,XXXX. They are looking for someone else, and I have had my number for 18 years. They called the other day and I told them I didn't know who the person was and to stop calling. The man said they would stop calling me. They just called again leaving a message to call a certain XXXX number. I don't overdue bills and am not in collection and don't appreciate them random calling to try to find someone. They need to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a house in XXXX XXXX with a XXXX and XXXX mortgage. 
I was unable to make payments due to a separation from my wife in XX/XX/XXXXThe XXXX mortgage holder XXXX Citimortgage XXXX filed a lawsuit. I was neverserved, however, CitiMortgage was able to obtain a judgment for {$26000.00}, the original loan amount was {$27000.00}. I paid CitiMortgage {$280.00} per month from XXXX XXXX until XXXX XXXX which equals {$27000.00}. Basically I almost repaid the loan. Now they froze my bankaccount and are asking me to pay over {$26000.00} or $ XXXX sump with an additional {$4000.00} over a short period of timeto unfreeze my account. How can a bank be allowed to do this? Why do I hhave to pay them XXXX the amount. They should not be allowed toextort money out of deceptive loans. They made a settlement with theAG office claiming that they would stop deceptive practices. This isbeyond deceptive. I was never serve with Court documents, hencewas unable to defend/show evidence of the deceptive loan. Nowthey want to drive me to file bankruptcy or pay them. They do n't evenanswer my calls and want me to settle with their law firm XXXX XXXX, XXXX, XXXX XXXX XXXX. ) Since it appears that I have no choice I offered to pay $ XXXXper month on XXXX/XXXX/XXXX, but they did n't accept that. As a result I amfiling this complaint. This is a nightmare. Do n't wish this upon anyone. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Mortgage) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I 've just chosen the largest umbrella issue that I could find, but there are significantly larger issues. Since I 've submitted written inquiries on the web site ( with no replies ) and called multiple on the recorded line, there should be proof of what I 've received. The letter clearly states that I have 30 days for the dispute, yet I was nearly threatened by the rep that unless I pay the bill tomorrow by XXXX, this will stay on my report forever. During every single phone call I 've made, as soon as I 'd state my name, I 'd be transferred, transferred and then transferred again and this game would go for the minimum of XXXX minutes. After finally reaching the rep, I was told a large amount of information with little to none backing and when I requested it, I was told that it 's coming eventually, but that I have no choice and that even if I offer proof, it will not do anything unless I pay the next day until XXXX and otherwise it stays on my consumer record forever. Furthermore, after googling the firm and trying to find more information, I 've found multiple other occurrences with this firm and mistreatment and abuses especially since all the employes never disclose their full name for the recorded line. Some information can be found here : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a collection from " XXXX '' collecting for the alleged original lender, " XXXX. '' I have never had any dealings with XXXX or any of its companies. This collection is fraudulent and has been investigated, found to be inaccurate and removed by XXXX and XXXX. TransUnion needs to investigate and remove this collection from my report. XXXX is being investigated and sued by many states for this and other fraudulent acts.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Credit Bureaus " EQUIFAX '' and " XXXX '' have reported on my Credit File of Three ( 3 ) " Bankruptcy '' whereas it should be only one ( 1 ). I have tried to explain in details and with supporting documentation via numerous Certified Mail and / or lengthy phone calls! To date, no response from the Credit Bureaus. <P/>The extra two alleged Bankruptcy were petitions to the Court to grant permission to sell my two properties in XX/XX/XXXX and again in XX/XX/XXXX ; not as filing bankruptcy once again. I request at a minimum the Credit Bureaus to delete the items listed below due to being reporting inaccurate information : EQUIFAX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) b ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) c ) Filing Reference Number :  XXXX dated XX/XX/XXXX (?? ) XXXX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX b ) Filing Reference Number : XXXX dated XX/XX/XXXX c ) Filing Reference Number : XXXX dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern : I dispute the validity of  XXXX  account  XXXX . I request a investigation be opened for this account.   I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence?   Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Payday loan () with Enova International, Inc. (VA).
Issue: Applied for loan/did not receive money

Complaint: I did apply for a payday loan with cash net usa. The only reason I know its them is because I XXXX the phone number, and the people under it says thats who it is. Anyway my complaint is that I have XXXX sisters that this company keeps calling them and harrasing them 20-25 times a day. They threatened my sisters saying that they are coming to get me and take me to jail. Then XXXX of my sisters talked to them and they claimed they were not a debt collector but just needed to talk to me. Also they are calling a job that I havent been employed with since 2006. And my ex boss is really mad because she thinks Im trying to ignore them and Im not. Plus they are calling me by my maiden name. I have been married for nine years so this debt is really old. Please help me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: I have requested XXXX, on numerous occasions, to update and correct my credit report. XXXX has refused to further investigate my dispute after I have provided supporting documentation. Additionally, no source of verification has been provided. 

I received a reference number from XXXX ( # XXXX ) that my information has been updated with correct information. I spoke with Account Manager XXXX XXXX on XXXX XXXX, 2017. He can be reached at 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 01-05-2016 about Mortgage (Home equity loan or line of credit) with KEYCORP (PA).
Issue: Settlement process and costs

Complaint: I am attempting to sell my home and the closing date is set for XXXX XXXX, XXXX. Key Bank holds the second mortgage on the property I am attempting to sell. This is my second complaint that about Key Bank ( my initial complaint XXXX, dated XXXX/XXXX/XXXX ). Please refer to that complaint to provide a full context. I went under agreement to buy a new home, and to sell my current residence, in XXXX XXXX. Key Bank, for four months, was refusing to provide documentation that was being requested by my lender, and was the sole reason I was unable to obtain a mortgage commitment by the date set forth in the agreement of sale. They only provided the documentation as a result of my complaint with the CFPB. I was able to obtain a mortgage commitment for a new home, but, as a result of the refusal of Key Bank to cooperate, I am having trouble getting to closing on the property I am attempting to sell. After I lost my original buyer on XXXX XXXX, XXXX, I called Key Bank to arrive at a settlement amount. I am eligible to do so because I filed a Ch XXXX bankruptcy in XXXX, and Key Bank is my second mortgage. I needed to settle with Key Bank because I have new buyers that are paying significantly less for my property. Please note that the original buyers ( i.e. that walked away on XXXX ) were paying enough for the home to enable me to pay back Key Bank in full. I only needed a settlement amount because of Key Bank 's past refusal to cooperate, and I only need an extension because of Key Bank 's past refusal to cooperate ( the subject of my initial complaint ). I currently have a settlement agreement with Key Bank that is valid until XXXX/XXXX/XXXX. The buyers of my home can not close until XXXX XXXX, XXXX -- after the settlement date runs out. I have been informed by Key Bank that I can pay after XXXX/XXXX/XXXX, but that is not acceptable to the closing services company who is attempting to ensure there are no outstanding liens on my home after the closing. They need it in writing, which Key Bank, at the time of this writing, is refusing to do ( even though they have given my a verbal acceptance, and have it attached as a " note '' to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is incorrectly reporting a lien on my credit report. I have written them twice for evidence that such lien exists and they can not provide me with anything yet they still are reporting it on my credit report. I have also called and disputed this item, but they continue to say it is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Credit card debt) with Capital Management Services, LP (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received 4 phone calls ( XXXX at XXXX XXXX, X/XX/17 at XXXX XXXX, XXXX at XXXX XXXX, and X/XX/17 at XXXX XXXX ) from Capital Management Services. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on X/XX/17. The person asked for me by one of my names, told me he was a debt collector, and said that I owed XXXX/XXXX around {$20000.00}. I have no debts with XXXX and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called XXXX to inform them that this company was gathering money fradulently on their behalf. XXXX said they would forward the information to their security department.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Trouble during payment process

Complaint: PennyMac has a responsibility to pay consumers Property Taxes on a timely basis. 

After reviewing our Mortgage Interest Statement ( Form XXXX ) for XXXX I noted a large shortfall in Real Estate Taxes paid. After speaking with two senior supervisors at PennyMac I was told the taxes are paid by a third party tax service ( XXXX ) and two of the four taxing entities rejected the tax payment for XXXX. 

I 've been dealing with the same taxing entities for over 25 years and to the best of my knowledge my mortgage companies have NEVER had a tax payment rejected! 

PennyMac made absolutely NO effort to contact me and review the issues of rejected tax payments until I contacted them in XXXX of XXXX. PennyMac also told me they would not send me a corrected Form XXXX given tax disbursements were not made in XXXX. 

They stated the shortfall would be made up in XXXX. PennyMac 's failure to pay our property taxes may cause us to loose a significant tax deduction for XXXX. 

POOR customer service and FAILURE to pay taxes on a timely basis!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I chose to go to XXXX XXXX XXXX. When I applied for my student loans, it happened so quickly that I was n't even sure of what I signed. I was also told that through an XXXX program XXXX credit- I would have some, if not all, of my tuition reimbursed if I kept a grade level above XXXX which I did. That program then magically disappeared once I got in the door. I was told that ny student loans would go to XXXX XXXX and then they would be split between federal loan institutions. That did n't happen. Some of my loan when to XXXX XXXX, and the other part went to XXXX XXXX - a collection agency and private lender. Since they are a private lender, my interest rate is above 10 % and they refuse to work with you on lowering payments. This was a HUGE issue when I graduated. I called and asked when my first payment was due, and was originally told XXXX. a month later I received a call that my loan was in default and I had n't made my first payment that was due in XXXX. I explained that I had called and was told my payments were due in XXXX. They refused to listen to me, or work with me. I ended up owing over {$500.00} for my first payment with them because they refused to work with me. I could n't eat for a month because I had no money. 
This was above and beyond predatory lending on XXXX 's part and on XXXX XXXX ' part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (OH).
Issue: Charged fees or interest you didn't expect

Complaint: In   XXXX   XXXX   XXXX     mariner finance sent me a check that I could deposit and would be a loan. At the time my son was in the middle of a divorce and needed money so I borrowed it and he was supposed to pay it.     I gave him all the information and he was supposed to pay it. I found out he had n't paid it as promised so I tried to call them to get the information I needed to make payments on line. I am  XXXX  so getting to the store was n't an option. I called and left detailed messages no less than  XXXX  times without a single return call.     they filed suit in  XXXX , in the suit they put down an amount higher than the principal I had borrowed, and when I paid it off they had the whole balance listed as principal, when I asked how the balance was broken down they would n't tell me. I have no idea what I paid or if they compounded interest. I also noticed they collected more than what they filed suit for and I never got a square answer about that, they just said do n't pay it and deal with out lawyer and the court. very unprofessional.

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 02-05-2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have an account with XXXX XXXX XXXX. I could not remember my password and was locked out. I reset password a couple weeks back. Upon going to website today, my password and username did not work, and the system stated I was locked out. In order to unlock, the system needed to verify that I was the account holder. I believe it asked for the account number and/or name. It also required my birth date and my entire social security number. I became suspicious as most times I am only asked for last 4 digits. I can even go with last 5 digits. When I contacted Saks, they stated that's how the site verifies. However, when speaking to someone in their technical support department, they only needed my last 4 digits and she asked some public record questions to unlock the account. I stated I was not comfortable giving anyone my entire SS #. I asked that she have them look into changing how they verify an account online using only the last 4 digits. I explained why the way they are currently verifying can be cause for caution. I would appreciate someone contacting XXXX regarding the way they are verifying information because, for example, if I am aware XXXX verifies by asking for entire SS # and a scammer have hi-jacked their website leading me to believe I am on their website, putting in my birthdate and entire SS # could set up for identity theft. I feel they are not protecting the consumer to the fullest degree. 

Thank you,

Company response to consumer: Closed with non-monetary relief