milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX XXXX, XXXX attended XXXX University and was told that I did n't qualify for any gov't help even though my parents could not afford to send me to college. My grandparents signed me up for Sallie Mae private loans. I was XXXX and had NO idea what a loan was or what a private loan was or what was even going on. Fast forward, I am now XXXX with {$55000.00} in student loan debt. I have paid THOUSANDS AND THOUSANDS of dollars and my balance has stayed the same. Once I paid a lump sum of $ 10k!!!!!! How is this possible? HOW IS THIS LEGAL? I will NEVER be able to pay these loans off. EVER. It is robbery. And they will NOT lower my monthly payment, consolidate my loans or budge in any way. I can not stop paying because they 'll garnish my ( part time ) wages ( i 'm a mom ). HELP!!!!!!!! I 'm trapped because of a corrupt system. I have paid and paid and paid and paid ... ..and it does n't matter. I 'm wasting money ... .... it 's horrific.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am supposed to be made aware of any adverse information before being a post on my credit report. I never received information about these accounts. I never received copies of the charges/bills prior reporting the information to the credit bureau. You are collecting accounts that were not authorized. I would like to know how you guys obtained my social security information. This is a very grave violation of my rights. 
My rights as a consumer are being violated causing me to get a low credit score, affecting my chances for financial opportunities. No account number or history was attached or given ; they have my social security information, the source of these accounts is fraudulent, they tried to take money from my bank account for a membership I did n't authorize My credit score went from average to very poor. 
These accounts were reported to my credit report on XXXX, XXXX, out of no where. 


1 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$56.00} 2 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$40.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 contacted Experian over six times since XXXX requesting proof of how a Bankruptcy on my credit report was " verified ''. Each time the company responds that the bankruptcy was verified but never validates the account. I have requested information on when, how and where the account is validated. There latest response dated XX/XX/XXXX is they will not investigate the bankruptcy again. However, I have not requested investigation. I want proof of how it was validated/verified. Experian can not seem to produce that information and have incorrect information showing on my credit report. 

I have yet to get it per FCRA Section 611 Experian has violated my rights. 

This is reason enough to sue for willful non-compliance under section FCRA 616.

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 06/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX was requested to come to house to service a XXXX range top under guarantee, the Tech was very rude and we asked him to leave our home. A few weeks later we received a bill fron XXXX, we thought it was a mistake as XXXX had sent them. We were finally placed on collection, we contacted XXXX and paid the bill over XXXX months ago. We are still receiving letter from Transworld Systems Inc. We would like to complain about Both company. 
I had called XXXX times Appliance Service asking them to be removed from the list of debtor with no success. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian continues to report inaccurate information from XXXX XXXX XXXX and guarantythat does not belong to me on my credit report. I am a XXXX with XXXX other cousins with the same name ( that I know of ). this information is not mine. I have sent over 20 emails to Experian and they have not responded except with form letters. The other two reporting agency, XXXX and XXXX, has removed the items in question. The creditor the debt was sold to has also removed it as well. I finally sent experian a procedural information request letter per the FCRA and they have failed to respond.

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 02-06-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: I deposit checks from my phone over the internet. The bank has set a limit on the amount of money I can deposit with my phone. If I pay them {$12.00} per month more than I am currently paying them ( currently {$12.00} service fee ), I can deposit as much as I want over the internet. This makes no sense to me. I can deposit as much as I want if I walk into the bank and make the transaction. It costs them more for me to deposit funds in person ( building upkeep, heat, A/C, electricity, employees to be there whenever I decide to come in ) than to deposit over the internet. I do n't think it is right for me to have to pay the bank to give them money ( make deposits ) that they are already using interest free.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Struggling to pay mortgage

Complaint: I was told by XXXX XXXXe that I had until Monday XX/XX/XXXXto e-mail the modification package to them because the foreclosure sale date was set forXX/XX/XXXX. I was told that they would be able to halt the auction slated forXX/XX/XXXX and they would review the modification package. I e-mailed that modication package on FridayXX/XX/XXXX, which is 3 days prior to the date they had told me. I included all supporting documents they requested. I called Ocwen multiple times to find out the status of the modification package. The first time, Tuesday XX/XX/XXXX, I was told it was too early to give me any update and that I should wait five business days. When I called Ocwen today ( Monday,XX/XX/XXXX) I was told that my application had been denied because I sent it in too late. I was also informed by Ocwen that they never even looked at the package.

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 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian did not require XXXX to provide any proof that XXXX notified me the consumer about a debt they claim I owed. I complained to Experian that I had no knowledge of the debt. I had knowledge of the account but no knowledge of the amount owed on the account due to I was not informed of the 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 non-monetary relief
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus purchased my loan in XXXX 2015, I sent in additional principal payments, that were applied to future months regular payments both Interest & Principal. I asked for payoff amount and sent in check for that amount. It was also applied incorrectly and now receive notice that I still owe {$7.00} for the XXXX payment, should have been paid off at the end of XXXX. They also now want me to pay for flood insurance XXXX {$630.00} XXXX to cover {$78000.00}. I have contacted them numerous times and have been told someone will call me back. Still have n't heard back from anyone, wonder if I will ever get my deed. They use terms like we will have this dealt with in 30 days. Also wonder if they will acknowledge they took interest money that was for in future months.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My husband and I mailed an investigation request to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but haven't received the results yet.

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Transunion removes a ch XXXX dismissed from my credit report and then added it back I was not given a 5 day reinsertion notice need to be remove.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: initially I was not informed about the switch from XXXX to navient. I over looked that. then I never got any letters about my loans. so I tried to log in. it failed and I went through all sorts of trouble shooting stuff. months later finally logged in. they had my address entered incorrect and with everything else it made me XXXX months in default on my loans. with XXXX they were in forbearance and since I was never notified of the change for almost a year ( saw a commercial ). now I am {$200000.00} in default on my student loans and they will not to anything to help me fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus,   XXXX   XXXX   and TransUnion. I have requested that the information be removed due to per Texas SOS debt collection must be Bonded, and although they are not a  3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the search resu lts.

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 05/15/2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Transworld Systems claims I owe o n account ending  XXXX , formerly with  XXXX   XXXX . The charges on this account are fraud, it was paid off  at one poi nt, a family member then used the card for several online purchases. Prior to account being charged off, sent  to Transworld Systems, I wa s paying on account in the amount of  XXXX  a month. Despite the fraud activity, I was attempting to make payments. Once it was charged off, auto-pay was stopped. I refuse to continue to make payments for fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (AZ).
Issue: Managing the loan or lease

Complaint: My auto financing company continually harasses and uses threatening tactics. My payment is due on the XXXX of every month. I have never been 30 days late on my auto loan. Anytime I do n't pay of the XXXX or have a promise to pay. They harass me everyday via text messaging, phone calls, and email. Usually it 's a phone call and text on the daily. I 've received threats that they 're coming to pick up my vehicle. They informed me that I 'm going to have to pay double. There very rude and nasty when I do speak to them

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My loan is escrowed for insurance and taxes. Nationstar is the servicer of my loan. Nationstar had paid insurance XX/XX/XXXX and on about XX/XX/XXXX. I changed my insurance carrier on about XX/XX/XXXX. I mailed an insurance refund to Nationstar which was applied to my escrow account on about XX/XX/XXXX. NATIONSTAR HAS FAILED TO PAY MY NEW HOMEOWNERS INSURANCE PREMIUM WHICH WAS DUE XX/XX/XXXX AND I AM NOW AT RISK OF CANCELLATION! I think they are trying to force place insurance and that is not right because they are legally responsible to pay the premium as the have in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: disputed incorect information that XXXX XXXX XXXX reported to the credit reporting agencies. 
disputes were sent to equifax and XXXX XXXX XXXX. 
XXXX XXXX XXXX replied by letter that the info that they provided was " accurate. 
this is a LIE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I am requesting the recordings Capital One holds of ALL conversations that took place between XX/XX/2016 to present. I 'm aware that all Capital One calls are recorded as stated by the Capital One employees, and I 'm requesting said calls due to the failed investigation and fraud that has taken place with Capital One. Please reference complaint submission, [ Case number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Central Financial Control did not give proper notice either in writing nor phone call before reporting this to the XXXX CRA 's. I 've been making monthly payment and had no idea this account was in collections. The hospital itself did n't notify me when making my monthly payment that this account was in collections. The way I found out was when making my monthly payments in XX/XX/XXXX I see my FICO score drop XXXX point. I then pulled my credit reports from the XXXX credit reporting agencies which showed a collection from Central Financial Control ( SYNDICATED OFFICE SYSTEMS ). My next step was to send a validation letter since I had no idea why this account was in collections. The validation they sent me was a itemized statement not a physical contract between Central Financial Control and XXXX XXXX.I feel central financial control is practicing in unfair collection practices by not giving proper notice. It takes a long time to reach an XXXX score on your credit and for them to knock it down XXXX point is unfair. I feel XXXX is a wonderful hospital but their BILLING is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Vehicle loan or lease (Loan) with Sierra Holdings LLC (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have a car loan with XXXX XXXX XXXX. Admittedly, on occasion, I am late on my payments, usually by no more than 2-5 days, maximum. On several occasions, I have received numerous calls attempting to collect the debt owed. I understand they have the right to call as collections, but excessively? Calling me 18 times in a day, while I 'm at work, is utterly unacceptable after being 1 day past due. This is harassment. On top of the harassment on my own phone line, they began calling my references. I also understand this is the purpose of a reference, however, when calling a reference and leaving a voicemail, in no way, shape, or form should voicemails be left that state, " Hello, this is so and so from XXXX XXXX XXXX calling to get in contact with XXXX XXXX regarding her auto loan with us. Please have her return our call or make a payment at her earliest convenience. Thank you. '' These are REFERENCES, not consigners!! It is against the law for them to inform anyone not financially responsible on this loan that I have an account with them, let alone that I am late on my payment. 
Once again, this is illegal. The media will be contacted to advise of these unethical and malicious collection practices to steer everyone away from using this company. 
This has caused extreme emotional distress on my part as I am constantly concerned about how they will depict my image to my references when they 're spilling all of the details of my payments. I am a human. We have all been late on something before, and we have all struggled at one point or another. Why would they want to smear the image of a customer?
I feel sufficient compensation for this extreme inconvenience and horrible practices would be to forgive one loan payment. 
Once again, I will take every method possible to expose this company for these malicious practices to steer anyone from doing business with them if they do not find a way to rectify the stress they have put me under.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
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 am writing to file a formal complaint against Experian, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. After numerous attempts to amicably resolve this matter, Experian has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. 

Enclosed you will find a recap on my communication with Experian, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conns appliances is repeatedly calling my home. They call atleast 8 times a day. Sometimes they just hold the phone because my husband answers the phone. It is ok for them to call and remind me, however constant calls are a form of harassment. I have informed them that they should not call after XXXX. I get calls up to XXXX. They have disclosed my information to my husband without my permission. I have asked to remove my number from the automatic dialer with no result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Payoff process

Complaint: When I opened the Sears Credit account in XXXX 2014, I purchased a refrigerator and television, and their warranty plans, for a total of {$1600.00}, using the 24 month deferred interest promotion. I am wondering, since those were my first purchases on this account, why have n't my payments been going to those balances first? Why, in 18 months, has only {$200.00} been applied to their balances? The accrued interest set to be added is currently at {$870.00} and likely to be {$1000.00} by XXXX, when the promotion expires. 
I pay much more than the minimum due each month. At the very least, why is n't that extra money being applied to those balances? I looked throughout their website and could not find where to set it up that my payments be applied in this way. ( Another company with similar promotions has choices on their website. ) I could not find anything on their website or statement describing how payments are applied ( other than the info regarding standard payments and grace periods-which do not apply here ). There are now only 4 months left on that promotion, and I want to guarantee that all of my payments are applied to that promotional balance. 
**I tried sending an email to sears on their website. I had all the above information included. When I tried to send it, I got an error message stating " special characters were not 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 monetary relief