milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying my student loan taken from XXXX XXXX XXXX XXXX XXXX on a timely basis since my loan went into repayment. Subsequent to graduation, I began making interest payments while I was looking for a job. Every payment I have made has been credited only to interest and there has been no principal accrual. The only principal posting shows up after I complained to Navient. The 2015 XXXX shows an interest payment this year that calculates over 15 % interest instead of the 6.8 % shown on the note. They are sending me an explanation, but when I look at the ledger, there is nothing that can justify this kind of posting. I believe they are using a system that is stacked to cause students to pay a higher interest on these loans over the lifetime of the loan. It just does n't seem like a fair way to repay a loan and I feel they have taken advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I am in the process of purchasing my first home and too my surprise when I took a look at my credit for the first time in a long time I found this entry for an account that does not belong to me. I request the help of the CFPB in acquiring complete validation of this so called account currently reporting negatively on my credit. I request a copy of the contract and documentation used to validate and open this account and the identification used. This is an issue of identity theft and I require as per rights by law that this company provide me with full their full validation so that I can resolve this matter swiftly so that this fraudulent account is removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am one of the consumers who 's data was breached from Equifax according to their website.

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

Complaint: Equifax divulged my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX a fradulent amount of {$35000.00} was charged to my Bank of America credit card and transferred to a bank by the name of XXXX bank by a criminal. I called by credit card company to report this fradulent activity. I fear that my bank account information and identity has been compromised this is the second time this month some theif has goe into XXXX separate account of mine and my wifes. Can someone please investigate this incident. My statement from Bank of American showed that {$35000.00} dollars had been transferred to someone 's bank account at XXXX Bank, I called XXXX bank and they would not give me any information. Please investigate who this criminal perpetrator is and who has stolen my personal account information???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had an account with  BBVA compass.. th ere were a couple of items I had disputed with them and even provided documentation to them showing them the money came out from another account. They had given me credit back and when I tried to close the account, they then reversed the credit, making my account  XXXX  negative..right at the time I tell them to close the account. This means  one th ing to me only and that is they do not care about customer service and because I wanted to close my account, they decided to reverse the credit, even though I provided them with documentation that I paid for it using another account. Very disappointed in how bbva handled my account and I will never ever bank with them again. To me they are no different tha n   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Hi I found some new information regarding my home and foreclosure process. In the XXXX County Recorders Office I noticed a RESCISSION OF NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST recorded on XX/XX/XXXX Book XXXX Page XXXX. I dont know how Mr. is trying to proceed with the sale or even posting a Trustees Sale when I have not yet received a Notice of Default. How is it that they recorded a Rescission of Notice of Default but put the property on sale without Notice of Default? 
I have some concerns with servicer trying to foreclose on my home. I have sale scheduled for XX/XX/XXXX after checking some online auction sites they say my sale is active foreclosure. Im worried that Mr. Cooper my servicer will proceed with my foreclosure sale even though I have mailed out a complete loan modification packet to them. Called them and they said im under loan modification review. I know that if they do proceed with the sale they will be in violation of the California Homeowners Bill of Rights Act. 
I see they dont want to work with me and offer me absurd and unrealistic options which I can not afford and will force me to pay even more than I used to in the beginning. I can not do this. Im trying to get a loan modification, Im trying to keep my home, Im trying g to work with Mr. Cooper and the investors, Im trying to do and give them everything needed to succeed and seems like all they want to do is get rid of me and sell my home, take it away and move my family out. I want to pay my mortgage and be a good borrower but the recession has brought me to a point with my loan that fees alone have accumulated over the years with different servicers that its hard to keep up. Please hear me

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Bank account or service (Checking account) with Comerica (CA).
Issue: Account opening, closing, or management

Complaint: Several accounts of mine were compromised in XXXX & XXXX. They were compromised by a contractor who worked with my company and committed identify theft, forgery and imbezzlement against me personally as well as both of my businesses. I was alerted when federal investigators approached me this XXXX how compromised all of my funds were. This person forged my signature and deposited these checks into accounts he opened in my name. Comerica has blacked balled me for suspected fraud and account abuse. When I called and asked them to review my information they refused to engage me and continued to blackball me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft and someone else has been trying to open up accounts in my name and there 's a lot of inquiry on my credit report from XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX 3 times on my report, XXXX XXXX/XXXX/XXXX I already have an account with XXXX and some thing by the name of XXXX I did not do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon undergoing a back ground check for federal employment, I learned this debt was listed with a collection agency on my credit report. I mailed a letter to Pinnacle Credit Service on XXXX/XXXX/16 asking for verification/documentation of the debt. They did not respond. I mailed a follow up letter to Pinnacle on XXXX/XXXX/16 with a copy of the original letter. I asked again for verification/documentation. They did not respond. I mailed a third letter certified mail return receipt requested on XXXX/XXXX/16 advising them to verify the debt or have it removed from all three major credit reporting bureaus. I received the return receipt verifying they received the letter XXXX XXXX. They still have not communicated with me or removed the debt. I applied for a mortgage on XXXX/XXXX/16 and was denied an FHA loan because this debt is on my report, yet the collection agency will not respond with verification/documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have Federal and Private Student Loans I repeatedly have been given wrong and different info depending on who you talk to. 
I needed to release my cosigner as she has XXXX. I spoke with a manager. She told me i just had to send a cease and desist letter. I wanted to stop the calls to the cosigner. I was : " behind in a payment '' The " Supervisor told me I could tack it on to the end.After 8 years of paying, I still owe XXXX dollars. After 8 years of sending the payment form to myself and the cosigner, last week they changed the address and sent it addressed to myself and the cosigner at the POA '' s address.On top of it ... they said I am still behind, the payment would not be tacked at the end. The cease and desist would only stop the calls for 2 of the loans, I need to also have a release the cosigner form filled out, as well as a XXXX form for the cosigner. And also the POA has to release her. 
I get different info every single time I call. 
Can anyone help? 
Tonight i spent 2 1/2 hours on the phone, they kept putting me on hold for 5 minutes, transferring me to different dept 's. They told me the person who changed the address this week was in the " Back Office Team '' and they do n't take phone calls. 
They have created multiple obstacles. 
Everything that I believed was taken care of by the " Supervisor '' was not taken care of and they made matters worse. 
Can I get any portion of this loan forgiven by the Dept. of Education? 
Thank You XXXX

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 WELLS FARGO & COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My ex-wife and I had a joint line of credit w ith Wells Fargo. When  she filed bankruptcy, the account was charged off in  XXXX   XXXX . Since that date, the account info has been incorrectly reported to  XXXX , and a check of my credit report today shows the account as still open and my status as  120+ days past due. I sent a letter to Wells Fargo in   XXXX   XXXX , and have disputed this issue  with  XXXX  several times.   XXXX   will no longer accept a dispute, and Wells Fargo continue s to give me the run-around and wo n't fix my issue. My credit rating has suffered as a result of their inaction.

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 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX funding has partially responded to all disputes made on CFPB. This is intentional I am NOT represented by XXXX and they have not proven that I was served for the lawsuit they brought against me concerning XXXX. It was past the statute of limitations and I NEVER was served and had no way o defend myself. Wages were garnished and XXXX funding still reports on my credit bureaus. XXXX account was with XXXX and another with Citibank both fraudulent. I have requested debt verification including m signature and proof that these debts belong to me. I want records and signatures verifying these accounts are mine. I also want proof that I was served for court. XXXX funding has been sued for dishonest practices and fraud. I 'm a victim of this and will pursue this, I have not received letters like they claim

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 05-11-2016 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (VA).
Issue: Application, originator, mortgage broker

Complaint: Hi there, I 'm the seller on this purchase transaction. I 'd like to file a complaint on Primary Residential Mortgage, Inc. XXXX XXXX XXXX XXXX. XXXX XXXX This mortgage company issued FHA case # on my house, which the transaction did n't go thru, and Sales contract was cancelled. I have made cancellation requests via email and phone call, and in all occasions my requests have been ignored, and my right being denied. I emailed on XXXX XXXX, called on XXXX XXXX, and manager promised by XXXX XXXX, FHA CASE # will be cancelled, which it was not.And again today XXXX XXXX when I called to follow up, manager was really rude and I was told they will not cancel the FHA CASE #, and there is nothing I can do and rudely hang up on me. I am seeking your help in this matter, kindly please help me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliance Data Card Services (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Sometimes XXXX calls a day. Starting at XXXX till XXXX. They got my mother 's phone number and called her repeatedly. Received phone calls before payment was pass due. Amount owed is under XXXX dollars. PayPal representative talked over me and was obviously not listening to a word I said. Set up a settlement was told the first XXXX payments were scheduled then find out only the first XXXX was scheduled after representative told me XXXX were scheduled. PayPal is harassing me for XXXX dollars with a XXXX. Repeated calls to my XXXX XXXX XXXX mother is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After the XXXX data breach, i started to wonder if my credit is reporting correctly. I decided to sign up for a credit monitoring account with XXXX XXXX. This is when I came to the understanding that someone has been using my personal information to apply for services and credit. 


FRAUD INQUIRY ON EXPERIAN BUREAU XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FRAUD INQUIRY ON XXXX BUREAU XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX - XX/XX/XXXX I placed a fraud alert on my credit report and placed the inquiries under dispute with the bureaus.

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 12-05-2017 about Debt collection (Medical debt) with E. A. Uffman & Associates, Inc (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX XXXX XXXX XXXX ( XXXX ) Failed to bill XXXX. In fact, according to XXXX from the XXXX Insurance provider XXXX XXXX not only failed to bill XXXX via XXXX, XXXX never even bothered to contact XXXX to become set up in their system to receive payment. And according to the XXXX XXXX Plan which administers XXXX, under State and Federal law it is unlawful to bill a XXXX beneficiary for any medical service without any attempt to bill the beneficiaries federal XXXX insurance or notify the beneficiary before a medical procedure that XXXX insurance will not cover the procedure, neither of which XXXX did prior or after the {$65.00} procedure. 

In this case, both the XXXX provider ( XXXX ) and the XXXX XXXX ( XXXX XXXX XXXX ) state the {$65.00} services would have been covered by XXXX had the Medical provider XXXX bothered to contact XXXX to be set up in their billing system and then submit the medical codes for the services. 

XXXX : XXXX XXXX, XXXX : XXXX XXXX had all of my XXXX information prior to service, which was for a physical assessment after wrist XXXX resulting from a broken XXXX after hit and run by automobile while I was visiting XXXX XXXX and was a pedestrian on the shoulder of a residential street without sidewalks near the lakes around XXXX. 

Further, I contacted XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX, LA ( XXXX ) XXXX before I left the state of XXXX to make sure they had my XXXX ID number and all of the necessary information to bill XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Transaction issue

Complaint: My husband was paying on line and accidentally missed the decimal point. The bank took XXXX They also took {$300.00}. The {$300.00} was the correct amount. The error was noticed right away and the bank was notified over a week ago. They have not returned our money. They say they need to research it. This is almost all the money I have in this world. I can not live with no money and they are not returning it.

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
Consumer complaint received 04-05-2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2016 I had {$360.00} in overdrafts posted to my account. On the end of business on XXXX/XXXX/2016 my ending balance was {$4300.00}. Posted transactions on my account for XX/XX/2016 was {$3200.00}, which my available balance on the end of business day on XX/XX/2016 should have been a positive {$1100.00}. I was assessed XXXX overdrafts on many of those items that were posted with a positive balance for a total of {$360.00} This bank is crooked with ghost overdrafts.

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 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: About a year ago I had to break the lease at my apartment complex, XXXX XXXX at XXXX XXXX, due to work related issues. This resulted in a balance due on my account which I was unable to pay by the deadline and as a result my account was referred to a debt collector, National Credit Systems. When my account was referred to this debt collector the apartment complex provided them with my contact information. I know this because I have been receiving communications from National Credit Systems for a few months now. Today I received a text message from an ex-boyfriend/friend whom I have n't spoken to in about a year stating an XXXX XXXX called his cell phone and left a message looking for me. Upon calling the number that was left in the message I realized the call had come from National Credit Systems and was in regards to the debt from XXXX XXXX XXXX. Even though this company has ALL of my contact information, they somehow felt the need to reach out to the individual I listed as my emergency contact on my rental application in an attempt to locate me. This not only blew my mind, but was rather confusing to me being that they already have my contact information. The phone number they have for me is in service and always has been and they have contacted me on that number before. The mailing address they have is a good address and they are aware of this because I continue to receive mail from them. I 'm not sure if this is normal practice but when I listed an emergency contact on my rental application I was under the impression that individual would ONLY be contacted in the event of an emergency while I was a resident at the complex. I was not aware that this individual would be subject to receive calls from debt collectors attempting to locate me a year after I vacated the property. I 'm not even sure why the apartment complex provided my emergency contact person 's information to the debt collector in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Halsted Financial Services, LLC. (WI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Person called my cell phone first and hung up, he then contacted my home number. I said to this person that you have contacted me without leaving a message or who you are. I told him that I will not give him any of my personal information until he told me what he was calling for. He then started threatening me and telling me to shut up and that he did not have to give me any information. I asked again and again he refused. I told him not to call my house anymore and harass me by cell or home. I also told him that I would report them XXXX. I asked for a supervisor and he once again refused. It then became a shouting match because he called me XXXX. I let him know that I do not talk to debt collectors that I may be reached by mail only. He still refused and said they did n't have to send anything

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Billing disputes

Complaint: I paid off my capital one credit card XXXX and it has been inactive since, I have charged {$0.00} to the card since payoff. The company assessed an annual membership fee of {$39.00} and I was charged +200 % in fees with negative credit reporting threats.

Company response to consumer: Closed with explanation