milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I attended XXXX XXXX with the promise that I would be offered hands on training in the XXXX XXXX XXXX, have immediate job placement after or possibly during completion, and that my entire education would be covered by federal grants and loans. I was rushed through the financial aid process without any mention of the cost of enrollment, or the amount of loans being taken out. The promissory note I did sign did not list loan amounts or interest rates. Each time I asked the school, I was unable to obtain the information. It was n't until after transferred to another school, that I was told by another financial aid department how many private loans were taken out for me by XXXX XXXX. All of them were private loans, none of which can be consolidated to lower the interest rate. For a single semester, I was charged approx {$17000.00}. If my status had been correctly assessed, I would have been eligible for federal loans and grants. I could have even possibly used my Father 's XXXX. None of this was explained to me, I had no idea the loans I signed for were not federal. None of the credits I earned were transferable to any other institution- therefore my time and money were wasted. The instruction was not hands on, and the equipment and technology used by the school was outdated at best.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am experiencing financial hardship and I have taken steps with Navient to try to remedy the situation, but they continue to call my cellphone about 9 times a day from XXXX or XXXX different numbers. This has been happening for the last ten weeks, at least.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a complaint on XXXX-XXXX-2017 with XXXX Credit Reporting and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named Midwest Recovery Systems. Allegedly, the collection agency, Midwest Recovery Systems, claims that I have a unpaid Payday loan with a company called XXXX XXXX in the amount of {$1200.00}.
In the Commonwealth of Virginia, it is against the law to obtain internet Payday loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the Commonwealth of Virginia. With those laws in effect, how would it be possible for me to take out said loan.
Also the Payday loan laws in Virginia state that the maximum amount you can borrow at one time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}.
I was not notified by mail or by phone by Midwest Recovery Systems of this alleged Debt Collection prior to it being reported to the credit bureaus. I 'm not even sure if Midwest Recovery Systems is a licensed to do business in the State of Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Medical) with Harris & Harris, Ltd. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are XXXX dates of service listed that are in collections. XXXX was paid by my insurance months ago. This was a bill from my doctor 's office. The second they are claiming is for the same date of service, and from the hospital. However, I was not seen at the hospital on that date ; therefore, the service is invalid. I confirmed with my doctor 's billing office that the actual date of service has been paid. I spoke with someone at the collection agency, and they informed me that despite what my doctor 's billing office is saying, this is a legitimate debt that I need to pay. I owe nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a letter, dated XXXX XXXX, 2016 from ARA , Inc. ( collection agency ), XXXX. XXXX XXXX, XXXX XXXX, IL XXXX ( no XXXX XXXX addressed provided, indicating they had obtained and now is the legal owner of my XXXX XXXX account, Acct # XXXX amounting to {$1400.00}, which is now due in full. If I do not submit the indicated monies within 30 days, their office will obtain a copy of the judgement and mail a copy of this verification. They stated that the debt and any applicable interest and/or fees have been fully transferred to their office ( transferred from where? ). I have no indication of why they would be threatening to sue because there is no indication in my credit file of this debt. The only gas card I had with XXXX was 15-20 years ago or longer and I believe it was paid off ( if not, definitely not what they are indicating ). After receiving this threat, I researched this company and found out that it is indicated to be a scam that is run by scammers. It has a history of making threats, harassment, intimidation, and bullying consumers. I desire to have no phone contact with this company, only written if indicated because I do not need the frustration and anxiety, having to take care of my military XXXX husband and health issues of my own. The FTC, FBI, and the Justice Department needs to investigate this company to stop them from pursuing apparently old out of SOL debts. It apparently buys debts for pennies on the dollar and illegally makes a large profit. I would appreciate any help that you may provide in solving this issue, as it have been a hardship and much aggravation in my already stressful life. I do not owe this money and I am also filing complaints with the Attorney General of North Carolina and Attorney General of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion will not allow access to my credit report to dispute the fraudulent items. They only display option to pay them money. They will not allow me access to dispute at all.

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 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I lived in XXXX XXXX XXXX for two years and have been having problems with them since before I moved out in the end of XX/XX/XXXX. I paid my rent early more than XXXX time and XXXX of the times they tried to evict me for unpaid rent. I have every rent receipt from them starting from XXXX - XXXX. My car was broken into XXXX times on their property, before I moved out someone broke into my apartment while I was at work, I have police reports for all of these things as well. After my apartment was broken into they put a note on my door saying I owed {$100.00} for unpaid rent. I am on XXXX, so that is why you will see different amounts. But I attached my run down from XXXX, so even if there was unpaid rent due I would NOT owe the full amount. And if I did even owe them a full months rent that would mean I would have had to not pay my rent for more than one month. And if I did n't pay more than one months rent why was I NEVER evicted? Why are they coming after me for the full amount and not charging XXXX XXXX for not paying their portion? Cause it 's a false claim. They sent my name to XXXX collections and I asked them to prove the debt they sent me a bill & I sent them my proof. They left me alone and a year later another collections agency is trying to collect from me. They have reported this to my credit which is effecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Balance transfer fee

Complaint: Chase credit cart promoted zero balance transfer fees for 60 days from the date our credit card account is opened, but did not disclose the actual date that the account was opened. As a result, Chase charged balance transfer fees when we believed we were within the 60-day promotional period. Letters sent to us specified an account activation date of XXXX/XXXX/2015 and Chase claims an earlier date was used as the account opening date. We contacted Chase to resolve this problem but they refused and argued that they considered the balance transfer fees valid. We consider this information to be a deceptive business practice ; there is no written disclosure provided to us, either on paper or via online processing, which specifies the actual account opening date so that consumers like us can calculate the actual time remaining on Chase 's advertised promotional period.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Invalid credit inquiry or failure to provide decision letter based on accessed credit file XXXX was unable to access my Credit report to due a credit freeze. However, there are XXXX inquiries on my report from XXXX. I called XXXX several times concerning this. most recent today where i spoke with XXXX and her manager bill. If they were able to access my report, why did n't i get a decision letter based on the information in the credit report. they told me to check with the credit agency which i did and they told me to contact XXXX. i explained that i received a letter stating they were n't able to access my report but the inquiries show they were able to. I have went back and forth between the credit bureaus and XXXX. The inquiry should be removed based off the response from XXXX. they were unable to access my credit report so no inquiry should have been made. XXXX case number is 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 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have no knowledge of this debt. I receive letters and calls for the past month and year about the collections. They is not mines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 01/15/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They call me repeatedly, although I 've told them time and time again I will pay them when I can, as I do not have a job, which is why I have n't been able to pay them in the first place. Soon after I bought the item, I lost my job and in addition to this, the item was stolen and when I filed an insurance claim, it was not until then that I was told that theft was not covered under the policy, something an in-store representative failed to mention although I asked her specifically was theft, loss etc covered and that I wouldnt not purchase the item ( s ) if this was not the case and subsequently, I was told a very assuring yes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Student loan (Non-federal student loan) with Genesis Lending (TN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I went to XXXX XXXX of XXXX, XXXX for my XXXX in XX/XX/XXXX. When I was registering I was told I had to pull out a Genesis Loan or I could not attend school. At the time I was more focused on the prospect of having a career to help provide for my son at the time. I graduated XX/XX/XXXX and I managed to get hired at the place that I externed at. Well, I was there for about a year and then me and my husband decided to move back down to XXXX XX/XX/XXXX Well, we have been down in XXXX for almost 2 months and I have n't had any luck finding a job. My husband just started his this past Monday. I 'm two months behind on my Genesis loan and this is the XXXX time I have ever been late on it. I was evening paying on time when I was going to school. My monthly payment is {$65.00} a month. So far I 've missed XX/XX/XXXX and XX/XX/XXXX payments so I owe $ 130 month payments but the late fees are outrageous. I owe {$100.00} in late fees as of today XX/XX/XXXX. That 's {$230.00} that I owe as of today. I wont be able to make a payment until my husbands second check which wont be until XX/XX/XXXX. And my next payment will be due on the XXXX so that 's another {$65.00} for monthly and then whatever late charges I owe by then. I 'm afraid that its going to be well over {$300.00} by the time I can pay and I wont be able to pay the full amount because its gotten so large. I have XXXX sons ( XXXX mths and XXXX yrs ) and I have things that I have to buy for them and I have other bills. I had to defer my federal loan because I could n't afford to pay on it at the moment. So any help or information would be greatly appreciated. I know that XXXX colleges are getting sue and I do n't really have an idea of what that can do for me and my family. So and info would be great. Thank you.

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 04/28/2016 about Mortgage (VA mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016, my mortgage company ( ditech ) completed a new escrow analysis and erroneously entered a duplicate property tax amount of $ XXXX- which in turn caused my escrow estimated payment to nearly double. On XXXX/XXXX/2016, I contacted ditech via phone and brought the error to their attention. The representative confirmed the error and assured me that it would be corrected. From XX/XX/XXXX-XX/XX/XXXX, I continued paying my normal mortgage payment amount. No further correspondence was received until XXXX/XXXX/2016, when I was contacted via phone by a ditech rep. and advised that I was now " delinquent '' on my mortgage payment since the ( inflated ) mortgage payment was not being paid. I was also informed that I was now accumulating " late payment fees ''. I advised the rep. of the incorrect escrow analysis and my prior contact on XX/XX/2016 to which I received a " sorry, there 's nothing we can do '' response. After a lengthy discussion, I was eventually transferred to a customer service representative, who subsequently contacted my local property tax office and confirmed the proper tax amount. Even after she acknowledged that ditech had not only mistakenly duplicated the tax amount, but had also failed to correct it on XXXX/XXXX/2016, and also failed to notify me of the failure to correct it -- I was still told by this customer service representative that I was " responsible for paying the incorrect amount due anyway '' and that " when ( they ) eventually sorted it all out, the difference would be applied to my principal ''. I have since received several additional phone calls, attempting to collect these erroneous escrow and late fees ; threatening that if I do n't pay, my credit could be impacted, etc.. Since purchasing my home, I have always paid my proper mortgage amount, on time. I do n't understand how I can be held responsible for ditech 's ( admitted ) mistake. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: equifax, XXXX and XXXX have a negative report on my credit report which is fraudulent to pg and e colected by affiliated group for {$370.00} .... not my address and my pg and e bill is up to  date at my home address,,, they used my social security number to open the account affilitated group account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Conventional fixed mortgage) with DHI MORTGAGE COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I have been dealing with DHI mortgage company for over a month to close on a house. I signed all my documents except for ones which contained numbers. I did that because the numbers were wrong. It took them the longest time to get back to me with the numbers and then when they did they were still incorrect. I had to follow up with them on whether everything was handled. Now we are XXXX business days from closing and the want me to resign all initial disclosures because they stated I never signed them. I am extremely frustrated and feel as if they have been highly unorganized and unprofessional. They still had me submitting XXXX up to XXXX weeks ago when I submitted all these items over a month ago. They also have not been good about going over the numbers with me either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my Transunion credit report inquires are reporting as duplicate. 
On XXXX/XXXX/2016 XXXX XXXX XXXX is reporting twice as an inquiry when I only applied once. 
On XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX is reporting twice as an inquiry when I only applied once.

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 10/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PR).
Issue: Other

Complaint: I try to apply for the Capital One Quicksilver Cash Rewards by Captial One internet site and they do not provide residents from Puerto Rico to apply. I find this discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (I do not know) with Lyons, Doughty & Veldhuis, P.C. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: LYONS, DOUGHTY, AND VELDHUIS PC have sued me when they have admitted to being a debt collector. They have copied a fictitious letter stating they sent it to me which no proof can be verified as it was not send as a certified letter. 

The above debt collector did not contact me nor did it make any attempt to do so. The first time I heard of them was on the court summons sent to me on the courts behalf stating that the LAW FIRM of LYONS. DOUGHTY, AND VELDHUIS P.C. has sued me. They can not legally act as a law firm and then act as if they are just a debt collector. THIS IS A SCAM TO CONSUMERS!

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am cosigner for my mother 's Navient private school loans. My mother has been trying to work with Navient to pay her loans in a way she can afford, but they only want to work with me at this point because they know I have a decent income and they say I am " equally responsible ''. I have been talking with Navient for about 10 months now and have not been able to work out our issues. I am hoping you will be able to help me. 

My major issue is that Navient has my name on XXXX separate private loans that they claim I cosigned for, yet XXXX of the promissory notes does not have my signature on it ( loan is for {$7000.00}, but final charge was {$7200.00} as seen in the paperwork ). The other XXXX loans DO have my signature and I understand that I am responsible for them, but I will not agree to pay on the {$7000.00} loan until they provide me copies of documents that I actually signed. Navient assures me that they have a signed document on file, however they have sent us XXXX copies of the " master promissory notes '' ( XXXX to myself and XXXX to my mother ) and there is no signature on that document in each packet. I keep calling back and requesting to speak to the department that sends out the documents, but am told that department does answer phones or speak to customers. Seems strange!! 

I am willing to work out a settlement with Navient and they have agreed to a 65 % settlement of the XXXX loans combined, but I do not want to agree to that until I am positive that I truly signed the promissory note for the {$7000.00}. I am really looking to get my name released from the {$7000.00} loan that I never actually agreed to and will make a settlement on the remaining debt. I have only attached the unsigned promissory note, but can certainly provide you with all XXXX of the promissory notes they have sent me if you should need them. 

I do not seem to be getting anywhere with Navient at this point and am requesting your assistance in this matter. I am a responsible person, am well educate, have paid back all of my own school loans in entirety and I am willing to pay back a reasonable settlement on behalf of my mother. Thank you very much.

Company response to consumer: Closed with explanation