milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For years I have reaching out about how to make payments to my Navient loan ( s ). I learned that payments were only made to select loans and I found myself delinquent in others - even though I was paying the amount assigned monthly. I was constantly trying to get clarification form customer service. Constantly harassed with notices threatening to put my account into delinquency. 
Since XXXX, I was regularly informed that if I could n't make the payment assigned to me that I should apply and renew deferment/forbearance. At times lowered adjustments were offered but still above what I was able to pay- I was made to believe that what I had to offer was not acceptable and I needed to apply for deferment/forbearance in order to not ruin my credit. Unfortunately, in XXXX I was diagnosed with XXXX XXXX and underwent a XXXX XXXX extending the deferment/forbearance status. 
If I had been able to make payments I could afford I could have avoided the accumulation of additional debt and perhaps lowered my monthly payments. 
Today, I called to say that I could start making payments towards my loan and they again said that they could n't accept this payment, instead insisting I pay more than I can afford in my current hardship. Now they are suggesting I pay double of what I can afford and again put 2 loans into deferment/forbearance. I escalated my concerns to 3 different people until a supervisor after much " calculation '' suggested I apply for a direct loan consolation and a pay as you earn graduate income based repayment. I asked if this was a new option and he said no - it has been around for a few years. I was shocked to know that they had n't counseled me sooner. He said it was almost guaranteed that I would be approved. It 's unbelievable that six years have passed - I am a XXXX XXXX XXXX for children with XXXX and low income communities- and as I dedicated myself to service, I could have been paying towards my balance and working towards forgiveness. I feel robbed of my financial well being. Now I face medical bills that surpass my student loan. I will never climb out of this financial hole. I feel deceived. It is depressing. 
I have renewed my deferment/forbearance for 2 of my loans, paying double of my affordable contribution, awaiting my consolidation application with direct loan. I 'm learning about Navient 's deceptive and irresponsible practice today. It 's disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA violation / No knowledge of the account / too many inquiries.

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 09-02-2017 about Money transfer, virtual currency, or money service (Check cashing service) with Ingo Money, Inc. (CA).
Issue: Problem with customer service

Complaint: Ingo money is a check cashing service that is partnered and linked to my prepaid XXXX. Ingo money has denied all services to me directly to use thier services. I have done nothing to cause ingo money to deny any checks I present. I have never once presented a invalid or bad check to ingo money. I have not had any suspicious activity with ingo money or XXXX XXXX. 

I tried to speak with ingo money regarding this decision. They have no reason given why they are discriminating me as a customer. I was promised a promo code when I use thier services. I did not recieve the perk from the promo code because I was denied the service.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Payday loan () with CITIBANK, N.A. (DC).
Issue: Can't stop charges to bank account

Complaint: To Whom It May Concern : I had a short-term cash advance to cover any overdraft my account could incur. I finisehd paying it the month of XXXX, 2015, but I have been unsuccessful to stop Citibank from charging my bank account since XXXX 2015, after having stopped at the bank XXXX times. 
I would really appreciate to bring this issue to their attention since I do not have the time to stop by the bank a XXXX time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I currently owe a military debt to XXXX. I have already paid XXXX of that debt. I am currently having surgeries. I ca n't not pay at this moment. They call at least 5 times a day. I have decided to stop calling them back and cease all communication at this time as it is hurting my ability to work as well. They want an update at least once every few days on my situation. They are not my attorney or doctor and I do not need to tell them anything. When I would pick up their calls they would never identify themselves until after the notification of the debt. This is not only deceptive but illegal under law. They have also used different types of numbers. Just today alone I was called 6 times.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Medical debt) with WELLS FARGO & COMPANY (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX   XXXX   XXXX  had a no interest money back guarantee  with Wells Fargo. T he guarantee was if the  XXXX   XXXX  and product did not work properly then return the   XXXX    XXXX  for full refund. I returned the  XXXX   XXXX  because I was told by  XXXX  that my   XXXX   XXXX   were too small and could not work properly.  XXXX  agreed that the   guarantee was not met and thus they would take care of debt with Wells Fargo.
That is the last I heard of it. I do not owe Wells Fargo an  y money for   XXXX   XXXX    XXXX  in  2014 .     Further, they have and continue to violate  my HIPAA and PHI rights by communicating information protected under HIPAA to many third parties that have not right to any of my protected Medical Information. They have communicated this HIPAA vio lation while I have been on the phone and they are communicating to a third party without my authorization.      XXXX  also continues to communicate with third p a  rties and violate my HIPAA rights. Now we have our attorney working to correct and protect my PHI and HIPAA rights.

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 08-02-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, my husband and I received a letter from Specialized Loan Servicing LLC ( SLS ) regarding rules for dropping our PMI. We 'd received similar letters ever so often notifying us that we could drop our PMI when our home reached the required loan-to-value ratio. Our current home is our third home, and we are familiar with the loan-to-value ratio requirements for dropping PMI. We put a smaller down payment on our current home because we bought it " as-is '', and invested cash in renovations. Our thinking, based on past experience, was if we invested the cash in renovations, it would increase the value of our home thus moving us toward the loan-to-value ratio needed to drop PMI. Unfortunately, when I called SLS in XX/XX/XXXX to ask how to go about getting our house appraised to check the current loan-to-value, an SLS representative told me only the " Original Value '' of the home would be considered in loan-to-value calculations. I was disheartened to learn that our renovations and a new appraisal would not help us drop PMI with this company. I understand following the housing crisis policies have changed, but disregarding a well-documented ( receipts, appraisal, etc. ) appreciation in the value of someone 's home is unjustifiable. On the back of my SLS letter, it indicates that clients living in Texas, California, and Minnesota can use an appraisal to re-evaluate the loan-to-value of their home in efforts to eliminate PMI. As a North Carolina resident, I am wondering if there is a state law that prevents me from using an appraisal to prove appreciation to reassess loan-to-value or if this is an SLS policy. Either way, I am beside myself with regret if we can not drop PMI after our renovations. Had my husband and I been aware of SLS 's policy, it would have changed many decisions we made regarding our mortgage and down payment.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I am on the phone on hold for over 1 hour and 20 minutes waiting for Experian to answer a question about my account charges. I have been a customer since XX/XX/2009 and this is how they treat you when you have a questions about their charges. I'll bet this is not the way they treat someone who wants to sign a new contract. 

The call took a total of 2 hours and 2 minutes of my time. 

While I intend to leave Experian because of this treatment, Experian needs to be investigated about how they respond to their customers.

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 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I requested my credit report thru annual credit report. After filling out the info and answering the security questionsXXXX report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, Experian, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.

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 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: I am a victim of identity theft and someone opened up XXXX accounts in my name with U.S. Bank using my personal information. I have never opened or had an account with U.S. Bank.

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 05-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On the first note I had rented an apartment with XXXX XXXX, with several roommates, went to court and I was left paying out money but it was stated that once the balance was paid in full they names would be in the clear as well, but the made no attempt to pay. 2nd there is a XXXX XXXX account in my name but it 's in IOWA, different social security number, address etc. ( 3 ) The apartment XXXX rented with them again roommates and now my credit is runied. Just runied I need help

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (OR).
Issue: Customer service / Customer relations

Complaint: Can not contact American Express, they do not answer phones. Prior to today whenever I contacted them they gave me wrong information. Supervisor informed me that they finally got it right bit they did n't. They could not give me information on my automatic payments notwithstanding that I have been on automatic payments for years. What is happening to Am Exp? /

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Mortgage) with Cooling & Winter LLC (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Account handled by XXXX XXXX XXXX now turned over to new attorney - Cooling & Winter. Never received debt information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A new employer has been added but I am both XXXX and retired. XXXX XXXX has also reported fraudulent activity related to my card and reissued new card. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion continues to report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to TransUnion and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 04-10-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!

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 04-09-2016 about Debt collection (I do not know) with Rothstein Acquisitions LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have visual voicemail and this is the message I was left, " This is a very urgent message for XXXX XXXX my name is XXXX XXXX (? ) and I 'm calling you in regards to XXXX (? ) enablement. I 'm now serving your final legal notification. This is in regards to your case number baby XXXX. Very to respond will result in you forfeiting any in all rights for voluntary restitution the case will be forwarded out to the County clerks office in XXXX County to be prosecuted to the fullest extent of Ohio 's State law and suspension of your drivers license. It is very urgent you need to contact XXXX XXXX immediately 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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Focus Holding Company (OH).
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: Hello, I am hoping to resolve an outstanding collection pertaining to an equipment charge for which XXXX XXXX billed me in error. XXXX XXXX acknowledged the oversight in the amount of {$140.00} and adjusted it. By that time however it had been turned over for collection to XXXX XXXX XXXX XXXX XXXX ( Ref # XXXX ). Having made no attempt to verify the status of the debt with XXXX, XXXX is insisting that the debt is valid after I made them aware of the oversight. Having obtained no help from XXXX, I filed a debt dispute with XXXX Apparently XXXX directed their inquiry to XXXX rather than XXXX, the original debt holder. Consequently XXXX is saying the debt is valid based on the outdated information supplied by XXXX. In order to resolve this matter, XXXX XXXX the original creditor needs to be contacted as the matter was resolved directly through them, but neither XXXX nor XXXX will apparently do so. 

Particulars : XX/XX/XXXX XXXX turned over a debt in the amount of {$140.00} that had been incorrectly billed to my XXXX account XXXX for equipment that had actually been returned but got lost on their end. 

XX/XX/XXXX XXXX adjusted the balance of account XXXX to XXXX and advised that the collection agency would be contacted. I continued to get calls from XXXX and contacted XXXX once more who again verified that the matter was resolved and told me to ignore the collection agency but if they persisted provide them with reference number XXXX. 

XX/XX/XXXX through today. I contacted XXXX to advise them of the resolution and provided them with the reference number provided by XXXX concerning the resolution. When XXXX failed to investigate and resolve the matter I contacted XXXX and requested their assistance ( File Number XXXX ). 

XXXX 's response to my request to investigate was to contact the current account holder listed as XXXX XXXX XXXX and declare the debt valid. After the first time they did this I contacted XXXX and asked that they contact XXXX the original debt holder who can confirm the debt as satisfied. For the second time they contacted XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX XXXXthe current debt holder rather than XXXX and have again declared the collection valid. 

XXXX has and continues to show the adjustment of the {$140.00} however neither the XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX nor XXXX appear to be willing to verify the matter as closed and my credit score is continuing to be adversely impacted. 

I am requesting the assistance of an objective 3rd party to act as a liaison to cross reference the information with XXXX. Only then will it be possible to confirm the debt as closed so that the misinformation now showing on my credit report may be removed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (I do not know) with Conn's, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is regarding CONN CREDIT CORP Account No. XXXX listed in my Credit File with XXXX. XXXX XXXX XXXX is attempting to collect a debt on merchandise ( Electrolux Washer & Dryer ) returned next day after delivery. Therefore, this debt should have been cancelled null & voided. I have sent numerous certified letters to dispute this debt that came into light some six years later! XXXX XXXX XXXX delivered the said W/D that was on the Showroom Floor, not as a brand new " still in the box '' merchandise and then tried to commit fraud because the said merchandise was discontinued by Conn 's and was no longer carried into its ' inventory!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: fraud department told me the SSN and name matches records and that the account is mine when i 'm disputing i never applied, or used the card. i requested for billing statements from account open to charge-off and bank records for purchases and payments, but they were not able to provide me with documents. if they are not going to carry on fraud investigations then i will have to file police reports to get them to release those documents and ultimately press charges against XXXX XXXX for fraud. there are XXXX other accounts, all fraud committed in the 2013 year with XXXX of inquiries for credit. XXXX i already have filed a complaint for not co-operating.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: this account paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: on  XXXX    XXXX   a young lady by the name of   XXXX   called my phone and stated that she could call my phone whenever she liked for people i do n't know, i asked her not to call and she said it does n't matter i will be putting it on her report, and i said i do n't know  XXXX   XXXX  and she say come on now yes you do, well it took me a while top figure out what company this was, so now i feel like she threaten someone she shouldn ' ; t have call

Company response to consumer: Closed with explanation