milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I recently learned that my credit score dropped by 53 points due to my student loan having late payments. The problem with this is that I was on an income based repayment plan and had a {$0.00} payment due. No one has notified me that this expired or changed and now my credit report says my payment is behind 120-149 days. I do n't know who to contact to update my income information. I had a XXXX in XXXX 2017 and have been out of work since XXXX 2017 since before that I was working from home. Can someone reset my {$0.00} payment? Can I be contacted by mail since I have not gotten any other contact and so I can be sure to not miss it?

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I paid off two of my stafford loans last month and was told by Navient that I could delay my payments for my other loans a month as a result. I was given the wrong information and as a result have to pay last months remaining balance and this month on top of a late pay fee. When I called Navient they said there was nothing they could do and that I had to either put in forebarence ( more money ) or just pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with Ditech Financial LLC (IL).
Issue: Problem with the payoff process at the end of the loan

Complaint: Ditech Loan C o.   Account #  XXXX  Account has been set up for autopay of {$140.00} from my checking account for several years.     On  XXXX / XXXX / 17  ditech debited {$670.00}, the final balance with no notice, even though I spoke to a representative from their company the previous month regarding wording on my bill that says that this is " mortage payoff ''. This loan is not connected to any property I ever owned, even though it shows my old address as " property address '' on the bill.     The attached bill from  XXXX / XXXX / 17 , which I received on  XXXX / XXXX / 17 , does not indicate any payoff intention or additional debits to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: My checking account has no overdraft protection and I explicitly declined it before. However, I was still charged a {$35.00} overdraft fee by the 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 monetary relief
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a collection company called EOS stating I owe XXXX XXXX which I do not. I have the receipt from when I turned in the boxes. I have fought this several times with no outcome. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently applied for a home lease and the realtor pulled my credit report. The realtor claimed I had XXXX judgements of which I had never seen before on my credit report. This her basic quote, " She has XXXX judgements on her record XXXX for {$910.00} in XXXX 2013 and XXXX for {$890.00} XXXX 2013 .... '' This causes concern for a few reasons that are important to my credit history accuracy, and further implications are of serious concern.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OK).
Issue: Making/receiving payments, sending money

Complaint: I owed a balance to USAA. I filed for bankruptcy and included the balances, even though I paid them off after the bankruptcy was discharged. They put on the XXXX XXXX list and i have not been able to open a checking account because of them black listing me. I have paid everything owed to them even though I was not responsible for paying them back since they were discharged, They said that they will keep me on there since I filed for chapter XXXX for 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I sold our house in XXXX. We had a mortgage with Ocwen Bank and it was serviced by Ocwen Loan Servicing LLC . The loan was paid in full and we never made a late payment on that or any other account. Our credit has always been perfect. Recently, we applied for a credit card and were notified that our credit score was in the low to mid XXXX range so we had to pay an interest rate higher than their best rate. This prompted me to pull my credit on XXXX and I was shocked to see a 30 day mortgage late reported by Ocwen in XXXX. We closed on our home in XXXX. I called Ocwen Loan servicing and they said that our account was paid in full and there were no lates. I then called XXXX, XXXX, and XXXX and all XXXX said that when Ocwen contacted them to say the loan was paid in full, they reported a 30 day late. I called Ocwen back and they said that the problem is resolved because they are not reporting a late. I then called all of the bureaus again and asked if the 30 day late has been removed and they said no. Ocwen Loan Servicing has been giving me the run around for a week now and the last I heard, it may take 30 days or longer to clear this up. I need Ocwen to contact these credit bureaus and tell them that this account was not late in XXXX or ever. Please help. I am in the process of applying for a job and do not want them to see a recent mortgage late on my credit report. Waiting 30 days or longer is unacceptable! Please hold these people accountable for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with USI Solutions Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have an old outstanding credit card debt that I am currently paying to a debt collector, USI Solutions , Inc. on a monthly bank draft for {$150.00}. The debt collector assigned to my account will call me to attempt to close out the account with an agreed amount, which I have not been able to do. If I do not answer the phone for any reason, he immediately calls my sons, wife, and an old business partner which have nothing to do with my debt. I 've tried to reason with him and have told him to stop calling people who have nothing to do with this, but he persists and continues to call them, actually calling one of my sons this morning three times within a XXXX minute period on his cell phone. I want this to stop. I have an agreement with them, and I 'm doing my part.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (I do not know) with Global Recovery Solutions (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This " company '' has now called my co-worker 's number 5 times in a row, within 2 minutes, and have left messages sharing information such as " they have a complaint against me '' on a voicemail that is not mine. This is AFTER they were already told to stop contacting me or my place of business, and to send written verification of a valid claim/debt against me. This has now become harassment. I searched and it appears it may be Global Recovery Systems? They also use a fake number with my area code to try to trick me into answering.

Company response to consumer: Untimely response
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I made a purchase for a suitcase from an online merchant which represented themselves as an original brand. When I received the item and the purchase confirmation I realized the merchant was actually overseas but presenting themselves as a local brand. As soon as I received the item I was unsatisfied and contacted the merchant. The merchant was overseas and were limited in there English writing skills but I did get in there messages to return the item and that they would provide a refund. 

I disputed this transaction with my bank USAA initially on XXXX XXXX, 2017 the amount of {$250.00}, almost three weeks after the initial purchase. They provided me with a provisional credit right away. But it seems they needed more information on the transaction and because I did not provide it they came back and took the provisional credit back. After realizing what occurred and speaking to my bank I went to my email and provided the bank all of the requested documentation including emails between me and the merchant and USPS documentation showing the item was returned back to the merchant. 

It has now been over 100 days I still have no solution to my dispute. I 'm still waiting to have my funds of XXXX refunded. The item has been refunded back to the merchant. the merchant has stated they have requested to the bank to have funds refunded I do n't know if that is true or not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (FHA mortgage) with Selene Finance LP (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My attempts to modify my mortgage failed due to not enough income. Due to death of a child and then loss of income & medical issues as well as divorce the household income was no longer the same or enough to qualify for the loan modification. I moved fwd with list & advertising my home for short sale. There have been multiple offers on my home but they have been declined by the bank twice. I have done everything the bank has asked of me. According to my attorney the bank negotiator the bank has indicated it would be " better for them to foreclose than to do a short sale ''. This is NOT fair. I am a now single mother, just getting back from medical leave just doing my best to survive with my remaining XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Debt collection (Medical debt) with ECMC Group, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt. I never received any Communication about any debt. I spoke with the company they would provide proof 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 explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In XXXX 2017, a credit card was fraudulently applied for under my name. American express took my existing credit line from my blue American Express card, and partially transferred over to the fraud account. I contacted American Express, which they immediately closed out the fraudulent card but never returned back my credit line to my existing account. I have called American Express over 10 times, and have been on the phone for over 9 hours, without a resolution. No one knows which department can help and I have been given false promises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been asking for explanation with details of what makes up amount owed in a reinstatement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: their customer service would not help and take care of the negative inquiries reporting to your credit report.+All BanksXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXXInquiry from XX/XX/XXXX+XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Automobile Dealers, NewXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Automobile Dealers, NewXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Sales FinancingXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXX XXXXInquiry from XX/XX/XXXX

+Automobile Dealers, OldXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXXInquiry from XX/XX/XXXX+Telephone CompaniesXXXXInquiry from XX/XX/XXXX+Miscellaneous UtilitiesXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. Agencies

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 03-08-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX ; I cancelled my phone service with XXXX. I paid XXXX a total of {$340.00} to catch up on my bill so I wouldn't owe them any money and for them to close my account. I was told by a representative on the phone that the account was closed and my bill was all paid up. The only money I would owe to XXXX is for the cancellation fees of {$200.00} per line. Which would be a total of {$400.00}. I received a bill from XXXX in XX/XX/XXXX and called them because I didn't understand why I was still getting a bill from them for lines that were supposed to have been cut. I disputed this with XXXX and they said it would be taken care of and that they were sorry for the confusion. A while later, I noticed that the charge was showing up on my credit report for an outrageous amount of {$820.00}. I called the collection agency that reported this to the credit bureaus and I put in a dispute with the credit bureaus. The credit bureaus did their investigation ; the amount was known to be incorrect and it was removed from all 3 credit reporting agencies. Now in XX/XX/XXXX ; I  check my credit report often and noticed that there is a new collection agency trying to collect the same inaccurate debt that the other one was. I called XXXX on XX/XX/XXXX and talked to them and inquired about why they keep sending the debt with the incorrect amount to the credit bureaus and the representative told me she understands that the debt is wrong and they will be sending it to her Resolution Supervisor. I am tired of dealing with this same situation over and over again with XXXX reporting wrong information and my credit taking a massive hit for it. I told the representative that I have documents showing the last payment made to them and she went on to tell me that they don't see that payment in their system ; so she doesn't know what happen. She also went on to tell me that I should owe only the cancellation fees for the lines which would total {$480.00}. I told her that the amount is inaccurate and by law they aren't supposed to send the wrong information to collection agencies if it's inaccurate. I had this same issue before with XXXX giving wrong information and it was deleted from my credit but now this same scenario has resurfaced. I am in the process of buying a home and this is messing with my credit unnecessarily.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A fraudulent account was opened in my name XXXX XXXX. I became aware of the debt on my credit Early XXXX. I have contacted XXXX 10x.  Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. XXXX has not sent proof that the debt belongs to me. In XXXX I called Equifax fraud department to dispute the validity of the debt on my credit. The Equifax fraud representative has called XXXX on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. 
On XXXX/XXXX/XXXX I once again called XXXX I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. XXXX refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by XXXX to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with SYNCHRONY FINANCIAL (ND).
Issue: Billing disputes

Complaint: Opened my account in XX/XX/2016 to make a purchase that i was told was under the special promo where i do n't have to pay interest for 6 months. Before the purchase I spoke to walmart employee and then XXXX different customer support agents on the phone and was told that everything should be fine. My XX/XX/XXXX statement included an interest charge. I called customer service back and was told i was not a part of the promo because i did not qualify but would not give me a reason why. They gave me no solution and basically said i would have to pay interest going forward. I then paid off my entire account and cancelled my card because i was so upset.

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 10/20/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XXXX XXXX, 2016, I contacted National Credit Adjusters to clarify the phone calls I was receiving from a company called XXXX XXXX. At first the person who answered Identified herself as an operator but that she also was a debt collector. She had a very raspy voice. When I tried to explain myself she stated " did they call threatening to take you jail. that was n't XXXX that was someone else as XXXX would not do that. '' I explained that I just wanted to know if I really owed this debt and was entitled to documentation to support owing the Debt. At that point she told me I had XXXX accounts in her office that was being services by XXXX XXXX and XXXX XXXX. She told me that a XXXX debt from XXXX was still in their office but the person was gone for the day. I then told her that 's why I was asking for verification as the same debt I am currently in agreement with XXXX XXXX XXXX XXXX for payment. I also asked her to send my letters to verify my paid in full status of accounts I previously settled with National Credit Adjusters but never received. She became belligerent saying I was not being cooperative. I tried to explain that I was only trying to get to the bottom of who and I owe she stated " XXXX I do n't have to put up with your attitude I am ending this call '' and hung up in my face.

Company response to consumer: Closed with explanation