milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My student loans are currently in Forbearance and I called Navient XX/XX/17 at XXXX XXXX to get a lower payment agreement made because my forbearance ends this month. I spoke to a pleasant young lady and I told her that I am certainty unable to pay {$1200.00} a month for my student loans. 

I told her how much that I knew for sure that I was able to pay and she told me that that the least I could pay was about {$480.00} a month. I told her that I was unable to pay that amount per month and she told me that I could make a payment of any amount, however if they payment is lower than the required amount then it would still be considered past due. She did offer the forbearance option and I declined. I do not want to prolong paying my student loans Excuse me, how are you telling me what I can and can not pay. I am trying to give this company money for a payment, however it is not enough to their liking. I have Grad school loans and undergraduate school loans with Navient and I am willing to pay a certain amount, just not the {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Payday loan) with Credit Central Holdings, LLC (SC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I contacted the lender, Credit Central in XXXX, SC, because I am past due on my account and wanted to let them know I would be in today to pay on my loan in the amount of {$71.00}. I received an angry letter on my door the day prior and wanted to work towards catching up my loan. I asked for XXXX, a man who I assume is the manager. He has left multiple aggressive messages on my phone. When I told him my name his first words were " Hey XXXX, do I have to come out there and choke you? '' I asked him not to say that and nervously laughed. He just said " Ok. '' I explained what I could pay today. He said I owed {$140.00} now. I said I could atleast do the {$71.00}. He said that was fine and then said " Do n't make me come back out XXXX again. '' I said nothing back but only replied that o would be in today. I felt very threatened having a strange man say he would choke me and then adding for me not to have him have to come back to my address. What can I do about this? This is ridiculous and scary.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Auto debt) with M. Richard Epps, P.C. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: a location company called XXXX is attempting to obtain emoployment verification by calling my employer repeatedly during the week of XX/XX/XXXX thru XX/XX/XXXX. After speaking to XXXX XXXX at this company and leaving voicemail and email with name of person to contact to verify my employment..calls continued and one co worker was told by the caller that I was seeking employment with their company and seh was calling for a job reference. This untrue statement has put me in a bad light with my employer as I am not seeking to leave my job. I dont know if this is a legal tactic and if not what can be done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ).
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 ENTIRE CLAIM WILL BE SUBMITTED ALONG WITH SUPPORTING DOCUMENTS! 

At the end of XXXX I applied and was approved for a credit card issued by USAA with a {$6000.00} credit limit. Several days/weeks later on XX/XX/XXXX I made ONE and only ONE transaction for {$5700.00} at a medical center called " XXXX XXXX XXXX '', before my credit card was due I was fully refunded ( as you 'll see the receipt I 'll attach ) for the full amount. 
USAA simply ignored it and kept on reporting late payments. I tried at least 30 times on different occasions to call them to correct it but they always told me they have no department to speak about these concerns ( it 's all on a recorded phone call, as USAA always said all calls are recorded ). However, they kept on sending me letter that I 'm late and need to make a payment. 

One day I decided it 's enough, and it 's not possible that they do n't have a department to speak to about this. I went ahead and filed a dispute with XXXX, XXXX & XXXX. 
XXXX & XXXX instantly realized the FRAUD USAA is doing and immediately removed and blocked it from reporting. 

However, XXXX kept on coming back to me with the answer that USAA provided supporting documents that there was no refund, which is very contra-dictionary, due to the fact I can proof otherwise. 

I ask the CFPB to uphold my rights and have them remove this entire account from my XXXX Credit Report as it 's having substantial impact on me getting a Mortgage..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get calls from a firm named Debt Recovery Solutions. When I explain that I am not the person they are attempting to call ( XXXX " XXXX '' ), and ask that they quit calling they tell me that the cell phone number I have, ( XXXX ) XXXX, is not in their database. When I remind them that I am returning their phone call they ignore that and attempt to get personal information. The phone number shown as calling on my cell is ( XXXX ) XXXX. I informed them that I would be making this complaint. They told me that they are recording the call, and I replyed " I do n't care, just remove this number from your database ''.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX & XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Student loan (Non-federal student loan) with PNC Bank N.A. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: A party calling themselves XXXX contacted a 3rd party regarding student loan debt at their Home ( showed up at the doorstep of a family member of the person who received the student loan ) asking for XXXX on XXXX/XXXX/16. The sister is not XXXX 's wife or attorney making this contact illegal. The same sister was called several times on XXXX/XXXX/16 and would not divulge their purpose. Again illegal. Further investigation found this company to actually be PNC financial services. This came after XXXX 's wife asked PNC to cease contact with her as XXXX was away on a XXXX. PNC has been consistently harassing XXXX even when he is away at XXXX sometimes for as long as 6months. This is harassment on every legal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In 2017 I contacted Transunion and filed a complaint regarding the XXXX XXXX account. I informed them that they are reporting false information. I do not owe a balance of {$610.00}.

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 02/18/2016 about Debt collection (I do not know) with CITIBANK, N.A. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX in XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested XXXX to provide details on how the alleged amount of {$1100.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account.As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has been falsely reporting on my credit report for years. They say I am delinquent. One month it showed I was current and the very next month they reported I was FOUR MONTHS BEHIND! How would that even be possible. They have held strong with reporting I am two months behind ever month. I have made extra payments and it goes to some mysterious escrow cushion. If I call to complain all the customer service people say is, " How would you like to pay to get your account current '', WHAT?!

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown account requested validation and nothing came. No debt exist with this company

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Became aware that a Chase credit card was opened under my identity on XX/XX/2017. Immediately contacted Chase thru Chase Card secure message service. Initial response from Chase confirmed a new account was opened but Rep refused to provide info, citing security reasons. Chase agreed to place a temporary hold on this account upon my insistence. On XX/XX/2017, I received a card in the mail for this account. I again contacted Chase Services and informed that under no circumstance should this card be activated. 
On XX/XX/XXXX, I received a letter from Chase, dated XX/XX/XXXX, informing me that a new application for a Amazon.com card was declined for being " a duplicate application. '' I have given Chase written notice thru their secure message center and have also called Chase Service to report this fraudulent activity and have consistently received conflicting info from their representatives. If I am not reporting this fraudulent activity in the proper way to assure that my identity is safe guarded or that fraudulent charges do not appear under my credit reports, please provide me with more specific instructions. I am also requesting copies of the applications that Chase used to open this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Debt last reported on credit report on XX/XX/XXXX. 

I have disputed debt of {$440.00} from XXXX XXXX XXXX in the past ( XX/XX/XXXX ).  No written notification was given 5 days before of said debt before being posted to credit companies. Debt was sold from original company to current debt collector ( violation of my rights ). Once debt was sold to another debt collection agency I am no longer responsible for this debt as this debt was sold off to another agency with whom I did not sign a legal contractual agreement with. 

Personal information was then exchanged from original company to debt collection agency which is a clear violation of my personal information/confidentiality without my consent or knowledge. 

Furthermore, I called XXXX XXXX XXXX in XX/XX/XXXX to ask how to get in contact with original creditor : XXXX XXXX XXXX and they were unable to provide a phone number and state that debt was sold to XXXX XXXX XXXX and had no way of pulling up my records. The only thing they could do was see how much was the balance I owed which was {$440.00}.

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 03-01-2016 about Bank account or service (Checking account) with FIRSTBANK (AZ).
Issue: Account opening, closing, or management

Complaint: I followed XXXX which redirects me to this link XXXX to open the checking account with eFirstBank and i should be getting {$200.00} as cash bonus. 

As per the text *Cash offer is not available to existing FirstBank consumer checking customers or those whose accounts have been closed within 90 days or closed with a negative balance. Offer valid for new personal checking account opened between XX/XX/XXXX and XX/XX/XXXX. The account must be opened online at efirstbank.com/offers or bring in this advertisement to any FirstBank location to receive the {$200.00} offer. Limit XXXX gift per household, per lifetime. Limit one gift per account. The cash offer will be given if the account opened is in good standing, and the customer enrolls for online banking, and XXXX direct deposit greater than {$500.00} posts to the new checking account. Direct deposit must be new to FirstBank and must be payroll, pension, Social Security or other government benefits. Direct deposit can not be multiple direct deposits combined that exceed {$500.00}. Requirements must be met within 60 days of account opening and the cash offer will be deposited into the new checking account within 90 days of account opening. We reserve the right to substitute gifts offered at any time with an item of similar value. Limited time offer. The {$200.00} cash offer is considered interest and is subject to IRS and other tax reporting. The cash offer is considered a bonus that can be revoked if the account is closed within six months of opening. FirstBank employees and employees of other financial institutions are not eligible to receive the offer. Online Banking plus direct deposit required. Other conditions and restrictions apply. See branch for details. Member FDIC. 

I should be getting the cash bonus of {$200.00} but i was told just because I am working in XXXX XXXX which is financial services company - I wo n't be getting it. Well that 's not mentioned any where. These guys wasted my time, efforts and i end up with a credit inquiry also but not getting the {$200.00} cash back bonus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Medical) with Smith, Rouchon & Associates, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently submitted a dispute with XXXX about some negative accounts that Smith/Rouchon had applied to my credit reports. XXXX submitted the dispute and the company did n't verify the debt.. The items were deleted and an updated copy of my report was submitted to me via mail I 'm XXXX 2016.. Smith/Rouchon re inserted the negatives which cause a tremendous drop in my credit score. They never sent notification that they were adding the negative items back to my account and by. State law they have to submit notice to the consumer.. I am asking that the inaccuracies be deleted and not be put back on my reports from all XXXX bureaus..This company buys accounts for XXXX and add unnecessary fees and court costs.. they never provide me any services nor should I have to pay for services that were n't rendered from this company.. I am going to file a suit against this company for violating all laws..

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: I received letter from Experian on XX/XX/XXXX confirming the FREEZE on my credit report and how to temporarily or permanently remove the security freeze. 

Subsequently I provided my credit union with a one time PIN for viewing report on XX/XX/XXXX I just received notice today XX/XX/XXXX from XXXX XXXX that another entity was able to review my report without my agreement / without a PIN. 

I called Experian and they were unable to locate the Freeze on my account using the PIN they had given me. They required my SSN and then told me there was no record of Freeze. 

What is going on!??? They took information to place another security freeze, but my confidence in them is LOW.

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 07-10-2017 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: Public record information inaccurate

Complaint: My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Background check is stating that I worked in  XXXX   XXXX  California in   XXXX   XXXX   XXXX   Under the name  XXXX   XXXX   XXXX . I 've never worked in  XXXX   XXXX  California and I have not use  XXXX  sense I was married in  XXXX . I had only been license 4 months in   XXXX   XXXX  . So I need it removed from my background information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified Consultant continued to report this as collection to the credit bureau. This account they are trying to collect has been already closed with the original creditor. This collection company is still trying to collect this so called unpaid debt without verification with the original account. Collection agency can not show any verification or validation that the account is valid for collec tion.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have a personal loan with XXXX XXXX, which I am couple of months behind on right now. I am going through a financial hardship I already talked to them on the phone about a week ago and tried to workout some type of hardship payment plan, where I would pay the interest only on the payment. They said they do n't do that. I told them not to call my work, I ca n't take personal calls at work. Which XXXX from Mariner Finance from phone number XXXX called my work today ( XXXX/XXXX/2015 ) at XXXX am talked to my Manager to verify employment and asked for my company 's address to submit a wage garnishment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation