milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX 2013, my attorney filed small claims case. It was agreed in front of judge and stipulated in order that " Entry of Judgment would be deferred so as long as I was not late on a payment more than 7 days. We both signed it and went our way. I have paid this attorney for last 2 yrs. I tried to get a home equity loan and was turned down, stating I had a XXXX judgment against me that should have never been in credit report. I want this removed. I have an order from the court dismissing this and I want it OFF my credit as the credit reporting agencies reported it in error.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 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: My complaint indicated that the reporting agency is inaccurately reporting information on my credit report with no contracts. I would like the item removed completely.

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 05-10-2017 about Debt collection (Payday loan debt) with SMS Check Recovery LLC (OH).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: On  XXXX / XXXX /  XXXX   I received a call from a supposed company called "  XXXX  ''. Not only did the lady call my phone, she also called my parents house looking for me. She called my mo, first and told my mom that this coming Friday she was either coming to my residence or my job with " papers '' for me to sign and if I did n't sign them then I would be going to court. After she called my mom, she called my phone and told me that if I did n't call this number  XXXX   XXXX   XXXX   XXXX  that she would be coming to my home or my job. I called the number and mentioned the file number she gave me which was  XXXX  and spoke with a  XXXX .  XXXX  said she worked for SMS recovery which was a pre legal service/attorney office. She said she was representing  XXXX  and that I owed  XXXX . I asked them what kind of company this was and she said a legal company representing  XXXX . This company called my elderly parents issuing threats against me to " subpeona '' me to court which upset my parents. This is totally wrong and unlawful

Company response to consumer: Untimely response
Consumer complaint received 03/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: To date, I have paid Navient {$16000.00} for my student loans. Prior to graduation I had XXXX loans that totaled to around {$60000.00}. Assuming that I was paying my loan balances down, I enrolled in automatic bill pay. This was two years ago, fast forward to today my loan balance is just over {$70000.00} despite making nearly $ 800 monthly payments for the past two years. I look into how could my balance be higher than what it was after two years of payments and I find out that all this time less than {$3000.00} went to the principle and over {$13000.00} went to interest. At this rate how does Navient expect me to pay off my loans? That is the issue, Navient does not want me to ever pay off this debt. Navient would rather I continue paying off this debt until I have paid 200 % of the original loan amount. My interest rates were just over 10 %. 

In addition to high interest rates and unethical distribution of loan payments. Navient also reported me to the credit bureaus claiming I had 16 missed payments. This ruined my credit. I called Navient prior to missing any payments to be placed on deferment until I found employment after graduating. Six months later I find out that my credit score fell XXXX points. I tried tirelessly to have Navient remove the missed payments from my credit scores because I was under the assumption my loans were in forbearance. Navient did an investigation and saw that I did indeed call on the day I told them I asked for a forbearance but claimed they can not prove I asked for a forbearance. So they insisted they could not remove the missed payments from my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan servicer is Navient and these criminals are mismanaging my payments. I am SAVING MY MONEY ELSEWHERE until I can pay off the entire loan at once, as making advanced payments with Navient does nothing for you as the borrower. This is unreal and literally criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: I authorized a Wells Fargo XXXX account to be opened in my name with my previous employer. When I terminated my employment I had meant to keep the account open until the FINAL employer match was deposited. I started receiving letters stating a 'forced IRA ' was opened in my behalf. Whom authorized this? I was n't given a time limit on rolling the money into an IRA. Assuming the money was still in my original XXXX I called Wells Fargo to get a check remitted to my current bank where I 'd opened up an IRA account for the retirement money. I was told that the XXXX was still open, but the money was n't there! Instead, it contained the last remittance from my previous employer. What?! I was able to close the XXXX account and have the balance sent by check to me, which I will have to pay taxes on. The bulk of the money was tied up in an account I NEVER OPENED! How do I get MY money? I have to open the IRA account. In order to do that, I have to not only sign an application, but I have to prove my identity! You 've got to be kidding! That form has to be notarized and sent back in the envelope provided in which I have to provide the stamp! Once the account is open I can access MY money. Did I earn any interest on this money in this time frame? Probably not! 

I signed the form to open the account, I sent the proof of identity notarized, now I have to painstakingly call back someone at Wells Fargo to make sure that happened. I feel that I will most likely have to spend yet another hour to close the account I NEVER AUTHORIZED to open! Sad, frustrated, out time and money and still looking for MY money in 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 08-11-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Was not properly contacted when my mortgage company sold my mortgage to another company. The contact information my prior company provided was incorrect or the new company recorded it incorrectly. The transfer happened on XX/XX/2016 and I found out that it had changed when a 60 day late payment appeared on my credit report. I had direct withdrawl with my previous company and assumed that the money was coming out automatically like it had for the last 8 years of my mortgage. I do n't think I was properly notified and have a 8 ( almost 9 ) year track record with my mortgage and now no creditor will touch me because I have a 60 day notice on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 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 / Syndicated Office Systems put a collections account for XXXX $ on all XXXX of my credit reports XXXX / XXXX / XXXX back on XX/XX/XXXX. 

They had not sent me a notice of right to dispute. When i contacted the collections agency requesting verification of debt they never sent me a debt validation letter. Furthermore they contacted family members including my brother and threatened legal action to collect this debt which they never verified. 

I disputed these debts with the credit agencies XX/XX/XXXX and they decided to verify them without any justification or reasoning.

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 04/22/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: APR or interest rate

Complaint: XX/XX/XXXX, I began to work with Home Depot ( store # XXXX ) on a bathroom renovation project, in large part because they offer 24 months of interest-free financing for such projects. In XXXX XXXX, once the estimate for the work was obtained ( approx {$25000.00} ), Home Depot/Citibank, N.A. extended me a credit line of {$26000.00}, with 24 months ' interest-free financing. XX/XX/XXXX, I noticed on my monthly billing statements that Citibank had, in fact, been charging me interest and so while I had been paying {$1000.00} per month ( more than the minimum payment due each month ), my balance had not been reduced much from the original {$25000.00}. I called customer service on XXXX XXXX, XXXX to inquire and they advised that they had never received the information about the promotional rate from the store ; after a long hold during which they researched, they advised that they would reverse the interest charges within a couple of billing cycles. As of XXXX XXXX, XXXX, it has not been reversed, so I again called customer service and was told that the reversal was put in a " referral queue '' where it has sat for two months. The representative was not able to help at that time, given that the resolution is in the queue. She referred the matter to a " partner specialist '' and advised that it should be resolved soon. I 've been charged approximately {$5800.00} in unwarranted interest which I suspect is affecting my credit score.

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 11-11-2015 about Debt collection (I do not know) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I DO N'T KNOW WHERE THIS DEBT IS COMING FROM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Ditech Financial LLC (CO).
Issue: Struggling to pay mortgage

Complaint: Brother in law took out a home inprovement loan and then became XXXX. He fell behind in payments and his brother discovered home was in foreclosure. on XX/XX/XXXXwe contacted the Mortgage company who passed us around to their lawyer, and Public Trustees office. on this date we explained we had the funds to cure and pay off the loan and requested the cure and payoff numbers be provided to have home release fron foreclosure. n onXX/XX/XXXX we reached ot to congressmen XXXX 's office for assitance after we were told it would take 14 days to get the figures requested, The sale date was set for XX/XX/XXXX and we did not have 14 days. Congressmen XXXX 's office did assist us getting the cure to stay until XX/XX/XXXX. I have contacted the Mortgage company several times since and I have been given several different stories and excuses on why we have not received the information request. I have faxed the Power of Attorney twice, hung up on several times and not once have I spoken to the same person. the home is valued at XXXX to XXXX and we believe the Mortgage company is stalling so they can sell this home for a profit. We have the funds to payoff the loan and it is our desire to do so. Please note during the last two weeks our Brother was XXXX and then went to XXXX XXXX to get his strength back and has no funds of his own to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: After paying closer attention to my account, I have noticed Overdraft fees in this year alone, over {$200.00}. These fees are {$34.00} and sometimes added to an NSF fee. The NSF fee I am aware of what causes me to incur and so if I am able to, I know how to avoid them. However, the Overdraft Fee was never explained to me. I was originally a XXXX customer, which was bought by Citi, so that could be why- but I know that the Overdraft fee was never explained to me. When looking at my account, there have been instances when I was not negative at the end of the day, but still incurred the fee. When I have called to question it, I have been given different explanations. After receiving 3 back to back, I called again about 2 weeks ago and spoke with XXXX in Retail Banking. When I asked him why I was never explained about the Overdraft fees, he said the bank would not explain t to a new customer- only if the customer asks about it. In the past I have had a few NSF or OD fees reversed as courtesy or because the bank ATM wasn't working etc. However, I am upset that the OD fees have never been clearly explained.

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 07/17/2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (WY).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern, We are contacting you, with the hopes that you will assist us in resolving a very unfortunate matter that has happened between us and our lender, Midland Mortgage.
As a result of a medical hardship and defaulting on our mortgage, back in   XXXX   of 2017, we applied for mortgage assistance with Midland on  XX/XX/XXXX . We heard NOTHING from them, until  XX/XX/XXXX  when I received a denial letter.. with no explanation.
When I called Midland, I was told that our home had been sold on  XX/XX/XXXX .
On  XX/XX/XXXX I received a letter stating I still had time to save my house.
I received NO Notification of Sale, I also never received Notice of Publication and when I looked on my own, I only found 2 publications. the requirement is publication, being 4 weeks in Wyoming.
When we spoke to Midland on  XX/XX/XXXX , we told them that the sale of the house must have been done illegally - and they hung up on us. We called back on  XX/XX/XXXX  and when we brought up the improperness of the sale, Midland hung up on us a SECOND TIME.
To complicate matters even more - this sale was conducted in   XXXX   XXXX   County. We live in   XXXX   XXXX  . I 'm not an attorney, but I do believe that makes the sale null and void. They are currently being represented by  XXXX  and   XXXX   and we are getting little to no cooperation from them either - they have hung up on us, when we called on  XX/XX/XXXX  for information.
This complaint is being filed, not only with the Consumer Financial Protection Bureau, but with the Consumer Complaints division of the Wyoming Attorney General 's office.
Please contact us immediately, so that we may resolve this matter and go back to the table in good faith negotiation with Midland Mortgage.
Sincerely,   XXXX   XXXX     XXXX     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 02/29/2016 about Debt collection (Credit card) with Moss Law Firm, P.C. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had a XXXX card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. XXXX sold or hired Moss Law Firm from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX law firm was contacted and they told me it was a XXXX card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from XXXX and they said they did n't that they were working for XXXX. When I asked for XXXX phone number they said they did n't have it??? red flag If you work for some XXXX you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the XXXX. I thought you could n't do this in Texas. The people at Moss Law firm acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what XXXX the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/16/2017 about Payday loan, title loan, or personal loan (Title loan) with Advantage One Credit, LLC (CA).
Issue: Can't contact lender or servicer

Complaint: Advantage One Credit LLC has disappearedXX/XX/XXXX I have paid off my title loan I took out in XX/XX/XXXXand they have NOT released my lien on my car. They have athe original phone number disconnected and I have tried all numbers. Until last SundayXX/XX/XXXX I looked up the website there is a new 888 number but I have called over and over no answer or call back however the out going message has changed twice. I have emailed multiple times as well. XXXX XXXX XXXX XXXX XXXX XXXX of Oklahoma will not give me any information except a lawyers number who says she cant help me or any of the many people calling her. She did mention that she would let the new lender know and she told them to put a new number on the website. So she knows more then she is sharing. Yet still no contact from anyone. I have found multiple articles that they do not hold a licence in many states including Washington XXXX XXXX XXXX-not-licensed-washington-state I have information I will gladly give you with more details. They were unprofessional and not currant with any of the statements. I agreed to pay more just to close the account sending in a extra {$200.00} because they stated WE FEEL LIKE YOU NEED TO PAY MORE ..I have never heard of a company that said that They FEEL? AT this point I am going to the next level including the press I have started several complaints including FTC & DMV Please help me Thank you a very frustrated consumer

Company response to consumer: Untimely response
Consumer complaint received 10/28/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: DISPUTE PROCESS # 1 XXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$900.00} Original creditor : 01 XXXX XXXX Overview : You 've paid off 0 % of your collection amount. 
Balance : {$900.00} Highest Balance : {$900.00} Opened : XX/XX/XXXX ( 1 yr, 5 mos ) Account status : Open Type : -- Responsibility : Individual Remarks : Account information disputed by consumer, meets FCRA requirements DIRECT DISPUTE If there 's an error on your report, you can submit a dispute without leaving Credit Karma. 

Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DISPUTE PROCESS # 2 : The information below is also part of another dispute process through XXXX XXXX that XXXX refuses to remove negative information from my credit reports. 

XXXX : XXXX Debt Collector XXXX Creditor Balance Disputed XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with PNC Bank N.A. (IL).
Issue: Advertising and marketing

Complaint: Have been trying to get PNC Bank to stop sending credit card offers to me. I have documentation for the last 6 months. Each time I call the number on the offer to opt out, they willingly take my information and tell me that I will stop receiving the offers. I documented opt-out calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today on XX/XX/XXXX another offer was received. 
( I am also an XXXX permanent registered participant. )

Company response to consumer: Closed
Consumer complaint received 07/19/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015 I noticed an unauthorized and unrecognized charge on my American Express account which posted XXXX XXXX, 2015 in the amount of {$2300.00} by a company named XXXX XXXX XXXX XXXX. On XXXX XXXX, 2015 I initiated a dispute with American Express related to this charge. 
I received correspondence from American Express on XXXX XXXX, 2015 stating that the merchant had submitted a market analysis report as evidence that the charge was valid along with a typed message on the back which contained a one-sided conversation by the merchant. Upon closer inspection of this merchant it appears the company is based in XXXX, I live in the United States and have never done any business with anyone from XXXX. The charges were reapplied to my account. I am attempting to further my dispute but do not know what supporting documentation I can provide showing that the charge was fraudulent other than the geographical limitations of an authorized transaction occurrence. I am continuing to dispute this matter.

Company response to consumer: Closed with explanation