milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I believe I am victim of Mortgage and Mortgage Servicing Fraud. XXXX XXXX XXXX and Wells Fargo N.A . are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was being billed for yard waste/ refuse services at a residence I no longer owned /resided at and had requested service be discontinued. XXXX, the yard waste refuse company, continued to bill me and ultimately sent the bill to collections where it was identified as delinquent and impacted my credit score. I have attached all relevant documents to show this repeated error was entirely the fault 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 non-monetary relief
Consumer complaint received 02-09-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: A check was written for my rent on XX/XX/XXXX. Though Capital One shows the check cashed, there is no signature endorsement on the back. My landlord said she did not cash this check, as she always signs it. I have called Capital One since XX/XX/. They are constantly saying their 'fraud team ' or their 'management team ' is handling this and will get back to me. I keep calling over and over and nothing is being done. How long can it take to find out where this check was cashed? I don't understand why they keep jerking me around. I have wasted hours and hours on hold while someone contacts " their manager '' or the person in charge or whatever. It's almost laughable now when they tell me they will have someone get back to me. This has gone on far too long and I feel they are not even handling it. I have copies of the front and back of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Three disputes were submitted to XXXX  and before they could even re-investigate the disputes that have been disputed before, they come back within an hour and said the information on these particular items are accurate and up to date. NO IT ISN'T!!! The two companies in particular, XXXX XXXX XXXX XXXX and a regular XXXX XXXX are lying on the credit report. When this company was contacted, they couldn't give me any information on these accounts but for some reason, they are giving false information to XXXX as well as XXXX and Transunion. This is pure fraud XXXX XXXX is committing and XXXX rushed to judgment and is deciding to believe the company instead of really digging into the information. According to an attorney that I spoke to, XXXX XXXX XXXX XXXX and the regular XXXX XXXX account should be removed once and for all. These three credit bureaus have until the end of XX/XX/2018 to get these particular items removed or I will have this particular attorney contact them.

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 03/28/2017 about Bank account or service ((CD) Certificate of deposit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: 1. I have a 84 month CD with USAA - terms ended in XX/XX/XXXX 2. I called USAA on XX/XX/XXXX and requested the following - a. a copy of the XXXX XXXX from XX/XX/XXXX, and to roll my CD into a Savings Account until I decide what to do with the Money. The Representative XXXX said that this will take place, I requested to mail my XXXX and what ever else I need to do for this transaction to take place - call ended 3. On XX/XX/XXXX I called USAA back to see why I still have not received my XXXX, I spoke to XXXX first that informed me that it was not sent, and that the CD has now rolled over to another 84 month term. I said it was a mistake that it should have been rolled into a Savings Account, XXXX transferred me to XXXX. XXXX explained to me that I would have needed to fill out more information to open a Savings Account, I told him that this was never discussed with me. He researched the original call and said that the call was disconnected. I mentioned that I did not think it was disconnected as I was told from XXXX that he would take care of everything. I proceeded to file a complaint for a resolution. XXXX established an official complaint and said that they will order the transcript of the phone call. 
XX/XX/XXXX XXXX from USAA called me, said she is working on my complaint. 
XX/XX/XXXX XXXX called me said they reviewed the call - told me that the original request for my XXXX and the request for the CD to roll over into a Savings Account was made by me, but the call got disconnected ) MY COMPLAINT : 1. If the call was disconnected ( why did USAA not call me back? ) They do have information on the call where I requested to transfer my CD into a Savings Account and a copy of my XXXX. In my opinion they did not help me as a customer to complete my request. They let my CD roll over for another 84 month at a 1.01 % interest Rate. This was also not communicated to me in any way. 
2. I requested a copy of the transcript of the call, which was denied to me

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 07/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XXXX 2017 I consolidate my federal student loans with Navient, while working on that, Navient informed me that I did n't have to make any payments on any of my loans and that I was only to make the payment towards the consolidate loans, hence I stopped making the payments towards my private student loan with Navient, in XXXX Navient contacts me to tell me that my private student loans are in delinquency and they are calling to collect the money. I told Navient that I was n't aware of that and that I was under the understanding that all my loans had been consolidate into one payment, including federal and private student loans, Navient admitted to have given me the wrong information and the reason they did that was because their federal and private systems do n't communicate with each other. Now Navient wants me to settle my account, however due to the delinquency that appears on my credit score, I have n't been able to get a lender, even with a co-signer. Navient is not willing to work around this, even thou they created obstacles to repayment by providing bad information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (OR).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Hello Recently I tried renting an apartment in XXXX. The property management said they ca n't rent to me because I owe money to a creditor. I asked her to please tell me who I owe money too because this was the first time hearing about this. She said in XXXX when I lived in XXXX at XXXX XXXX Apartments I owe XXXX. I was shocked and she suggested to call the apartments and find out what happened. So I did and they told me that I 'm not on record for owing money. But they were under new management in XXXX and to contact XXXX XXXX managment. I called a few times and left a message, still no word back. So I call back the realtor and ask if there is a number for the debt collector. She provided me with the number. So I called IQ DATA INTERNATIONAL. I XXXX them and read bad things that I should n't trust them and they are scam company that her assets and bullies people for money. But I still called because I did n't know what was going. Spoke with XXXX, at first she was polite. I explained my situation and said I was willing to pay back the money that I owe I just needed answers. And if I can do payment plans. But then she started changing her tone and being rude. Because I could n't provide her with how much I will pay and why ca n't I pay. Then she started raising her voice at me and I got offended and said I will call her when I have money and she rudely said yes you do that. 

That was the end of the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am unaware of this debt with Midland Funding LLC it says XXXX XXXX XXXX Acct. It shows {$910.00} balance due. This information is not known to me. I 'm not sure what company this is for. I feel as if my rights are being violated per the Federal Trade Commission Fair Debt Collection Practice Act Section 809 Validation of Debts. Consumer should be notified within 30 days of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Using a debit or ATM card

Complaint: I BROUGHT A BRAIN ENHANCER ONLINE AND XXXX $ CAME OUT MY ACCOUNT 3 DAYS LATER THE SAME PEOPLE TOOK OUT XXXX BUCKS

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 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: Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I am coming to the conclusion that Check N Go is making it difficult for clients to pay on their loan intentionally, and not making the terms of their loan agreement accessible. I have tried to locate my loan docs online, and am unable to. When I ask a rep, they direct me to the online account website to no avail ... they stated it may be a problem on my side. When I try to pay the loan online or over the phone, it seems my account number can not be found and it is too late to pay over the phone. The loan accumulates interest at {$15.00} per day, making it beneficial for Check N Go to prolong payments. During the XXXX holiday, I tried to pay but was unable to, and accumulated {$30.00} in interest just because there was no way for me to pay. This seems like unfair lending practices to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (I do not know) with Phillips & Cohen Associates, Ltd. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: i received a letter with no return address, addressed to my estate. the letter read that I was deceased and my estate information needed to be turned over to them to handle my bills. I called the XXXX number listed on the letter and a man answered. I gave him the reference number on the letter, told him i was not deceased and what was the letter regarding. the gentleman kept repeating his name and that all calls were monitored and proceeded to ask my personal information. i gave him the reference number again and asked him to identify whom he was representing before i gave any additional information. he continued to stammer and did not tell me anything outside of his name. I told him that this was a tactic to collect a debt and to open contact with me as by then i had gone through my cell phone call log and found the exact number called me 82 times in one week, but it was blocked per my request from my cell provider. I told him to refer me to a supervisor or someone who could tell me what was going on and why they use such a morbid tactic to gain my information. he said i could not and i hung up and called again. The next agent did not identify herself, simply answering " hello? '' I explained the situation and she asked for my information again. i refused and asked her to identify herself or transfer me to her superior, she refused. i gave her the reference number and she said she would remove my name from their list. I asked her what list and informed her that if she is acting as a debt collector, she has to tell me who the debt originated from. she refused and i ended the conversation. This company sent me a letter saying i was deceased and to turn over my financial information, never did they say who the original creditor was or the amount of the debt. This was an attempt to gain my information as means to collect a debt which they never identified.This company called me XXXX times over the course of a week, if they were under the presumption i was dead, why bother? the company name is Philips, Cohen and Associates XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX reference # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My ex husband opened an account in my name at XXXX XXXX. He paid it off but XXXX turned this over to a collection bureau, XXXX XXXX. I have called XXXX repeatedly, with recorded phone calls, where I am told I do not owe them anything. They told me to dispute the bill with the credit bureau and I did so. They turned around and verified debt. I called them back and once again they said I do not owe them anything. If this is not resolved immediately I will be turning over my phone calls to the Attorney General, The FTC, and I will sue for damages. I am tired of the games and of being destroyed for a bill I have proof I do not owe.

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 11/30/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/17, my savings account was charged a {$5.00} " maintenance fee ''. I have had this same savings account for over four years, and have never been charged a maintenance fee.

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 07-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XXXX of XXXX I filed my income driven repayment plan like I always do. Navient is one of my lenders. The other three lenders accepted my repayment plan but Navient did not. I was not aware that they rejected it. I did not receive letters even though they stated that they sent them. In XXXX of XXXX I filled my taxes. I was supposed to get {$5000.00} back. Navient put in an order to take my taxes only four months after they rejected my income driven repayment plan. I had to call them and they would not give the money back. I set up a payment arrangement for {$5.00} a month for a year with the collection company they sent me too. I was a single mom and that is all I could afford. After a year I was able to stop paying the {$5.00} and then they accepted my income repayment plan. I have never had any issues with my other lenders accepting my repayment plans but Navient went after me. I felt completely scammed. I absolutely hate working with them. This year I filed my repayment plan with them and all my other lenders give me a {$0.00} balance to pay every month. Navient came back and said I owed {$50.00} then month. I had to call and ask them why. They had to reopen my file and they said it 's because when the paper work was processed by them it did not take my other loans into account. They fixed it right away so I had a {$0.00} payment every month. I have to really watch my loans with them because they are always trying to pull something.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The following information is incorrect and is recorded on my Trans Union Credit report - several years ago ts same report had shown up on my XXXX Credit Report and I sent an online dispute and the item was removed - showed same amt and creditor but had an open date of XX/XX/XXXX and an address was a rental property in XXXX I owned XXXX years ago. I have tried to call XXXX and no answer - just loops - and I have written with no response. Tis is NOT my account -- and info is over XXXX years old!! HELP. XXXX XXXX XXXXAccount DetailsLast ReportedXX/XX/XXXXCollection AgencyXXXX XXXX Original CreditorXXXX XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed DateResponsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, I contacted Navient to discuss my options of repayment on my student loans. I was told by the provider that I was not eligible for Income-based repayment, and instead would qualify for interest-only graduated repayment. At this time my loans had become overwhelming after a forbearance I was forced into due to my unemployment during the devastating XXXX layoffs. As I attempted to receive any relief from my provider, none was offered. In fact, it was difficult to hold a conversation with my provider whom did not seem to have the knowledge or desire to apply the best repayment program for my situation. It is only now in XX/XX/XXXX, that I called again to discuss repayment possibilities because I became aware of programs that apply to me that were never offered by Navient. And it is only now, Navient was more than helpful. As a XXXX I am eligible for Loan Forgiveness. I am also, miraculously, eligible for Income-Driven Repayment, which was denied to me before and will not do anything for me now that  Navient has collected all of their interest from my loans. It will actually only lengthen my payments to provide Navient with additional interest. I am very displeased with the prior service of my Navient provider. I missed out on very helpful programs that I was eligible for at the time they were denied or not offered. I made very large payments that were interest-only, only benefiting Navient and putting my family in turmoil. Navient has received a monstrosity of interest payments from my family due to their willful negligence of providing myself with the best suited repayment options and programs.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me.
If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, Experian, and XXXX XXXX ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages. 

Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX sent me 3 different sets of paperwork ( which I 've attached ). The information XXXX XXXX sent me bears different dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These loans are fraudulently reporting to credit bureaus and I 've asked them on numerous occasions to validate this debt. My concern is that XXXX XXXX paperwork contains 3 different hand writings that are n't mine. Not to mention the dates are way past the statue of limitation. The first one that states consolidation loan bears a signature that does not match my own along with a stamped date of XXXX/XXXX/XXXX. The second statement has XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the last statement says XXXX XXXX XXXX which is not my name at all on XXXX/XXXX/XXXX. This is very concerning that XXXX XXXX does n't have proper documentation on said accounts and is a violation of my rights.

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