milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Im harrassed with phone calls and unrelenless amouts of mail concerning student loans im not able to pay. Due to my XXXX from Honorable service in the XXXX im unable to work an stable job currently while recieving limited unearned income from Veterans XXXX. Its a shame that the creditors cant recieve payment at this moment for student loans that furthered my education and im not even able to use the education to my advantage to earn the income needed. This doesnt mean that they should hassle me and im unable to make payments or even consolidate my credit in this day or hour.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: Equifax has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see enclosed letter ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Equifax XXXX XXXX XXXX XXXX GA XXXXXXXX XX/XX/XXXX RE : CONFIRMATION # XXXX To Whom It May Concern : I have contacted the following company / companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding this / these item / items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]  paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am requesting the Method of Verification used to contact this / these furnisher / furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following item / items can not be verified, please delete it / them from the credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Please sent me a complete updated copy of my credit report. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Credit card) with Rodenburg LLP (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A debt collector by the name of rodenburg law firm in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: REF : ACCT # XXXX On XX/XX/2018 I processed my first Payment on a used truck in the amount of {$520.00} because the bill pay payment I had set up through my credit union did not process and I did not want a failed payment on my record. On XX/XX/2018 Bank of America processed an additional payment of {$520.00} causing an overdraft ti my account. I am a Single parent and a 100 % XXXX Veteran and unemployed. I do not have the means to make double payments and this additional payment placed my and my daughters existence in jeopardy. When I became aware of the double payment on XX/XX/2018 I notified the auto loan department and requested they reverse the unauthorized additional payment. I was told by the original person I talked to in that department that I needed the Payment reversed and returned to my credit union by ACH withdrawal as they had taken it as it had over drafted my account and left me with a ZERO balance and was told that a check would be mailed and he rudely hung up on me. I called back on XX/XX/2018 and spoke to a lady named XXXX of XXXX. she advised my credit union had to verify that the account was overdrawn and that they would not refund the money. I received the letter she requested from my credit union and  sent it immediately by email. She promised that she would expedite the payment upon receipt of the letter. My records indicate she received the letter by email within 30 minutes. After payment was not received I called Bank of America back on XXXX XXXX and was told the check was mailed from Delaware on was on its way. I was also told that they were waiting on verification from my credit union but the check had been mailed, I explained that I had sent it to XXXX by email and it was received. I called back on XX/XX/2018 and told my check would be mailed on Monday XX/XX/2018 from Florida. Florida is where our mail distribution center is located and usually mail received there is processed and delivered next day. XX/XX/2018 I again called Bank of America and was told my checked was mailed on XXXX XXXX from XXXX, Florida our mail distribution center. As of today XX/XX/2018 I have not received the payment mail is delivered next day after receipt at our distribution center in XXXX, Florida. Bank of America is not being truthful and has deliberately holding my much needed money.

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 01/18/2018 about Debt collection (Other debt) with AFNI INC. (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disputed the debt and amount that I they claimed I owed from the beginning. It was a personal cell phone bill that they claimed I owed {$2300.00}. Finally on XXXX XXXX XXXX I agreed to settle with them for {$1100.00}. In exchange AFNI agreed to remove any and all negative information reported on my credit. 
I was recently rejected for an auto loan. Upon examining my credit with XXXX, I discovered the only negative information was from this same AFNI account. 
The AFNI collection agent made false and misleading statements in order to get me to pay the {$1100.00} settlement, then neglected to remove the negative information. 

I have disputed the information with XXXX. I received notice today XXXX that AFNI confirmed the negative information. I spoke today with a XXXX XXXX XXXX, supervisor with AFNI who informed me that they never remove negative information as part of a settlement. He informed me that they will not remove the collection account from my credit. 
This constitutes a financial hardship for my family, as we are unable to obtain credit, except at astronomical interest rates. I am obligated by contract to refinance my home by this spring, and can not do it while this is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Mortgage (Conventional home mortgage) with CARDINAL FINANCIAL COMPANY (NY).
Issue: Closing on a mortgage

Complaint: This record serves as a complaint against Cardinal Financial NMLS XXXX, loan officer XXXX XXXX NMLS XXXX and specifically his manager XXXX XXXX NMLS XXXX. I was initially locked in for a conventional fixed 30yr mortgage at 4.125 % with 15 % down payment. The points for the loan were waived at this time. A few days before closing the company sent a disclosure for interest rate of 4.250 % when I increased my down payment to 20 % to avoid PMI. The company also charged me for points where I had to pay an extra {$340.00} after waivers. They even asked me to sign the disclosure for the 4.25 % interest and then they would fix this issue. Mutiple calls were made to the loan manager who did not return voicemails to explain the issue. The company increased my interest rate after loan lock in, coercing me sign disclosure so I would not loose my deposit just 3 days before closing. This issue was not fixed until I threatened to make a complaint and to sue them. I still had to pay an extra {$340.00} for loan points when they were initially waived. I had to do this so I would not loose my deposit for the house coercing to sign inaccurate closing disclosures. I have proof of all the disclosures. I had to extend my closing date and they even charged me an extension fee. I perceived that the loan manager XXXX XXXX NMLS XXXX showed ethnic bias.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Payday loan) with GMA Investments, LLC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Summit Receivables has been calling several times a day, and leaving multiple messages per day on voicemail -- they left a detailed message on my cellphone before they had verified the number was mine. They left a voicemail on my manager 's phone at work as well, only minutes after they had already left a message on my cellphone ( violating the multiple contacts per day rule ). The message on my cellphone said I had made them a payment which did not clear my bank -- which is false, I have made no payments to them. They claim to have sent me written mail to verify the debt, which I have never received, and are refusing to send additional written verification. I can not contact them in writing because I have not received anything from them, to which I could respond. 

Every voicemail they have left on my phone claims I have bounced a payment *with them* which is patently untrue because I have not made any payments to anyone through Summit Receivables.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I can never get a copy of my credit report I 've called and gave my information over the phone. And still nothing I am getting tired of these credit reporting agencies that say you can get your information for free withing XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Medical) with MERCHANTS ADJUSTMENT SERVICE, INC. (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am in XXXX from XXXX XXXX and am still in college under my parents insurance. I had a XXXX done and went by myself and accidentally gave the hospital the wrong insurance card. Needless to say, the scan was not payed for by insurance and I was liable for it. It has gone into collections and I was contacted by Merchants Adjustment Services. I tried explaining what happened and gave the caller my dad 's number because I am still under his insurance. A few years have gone by and I recently noticed it was still on my credit report. I called and asked if they could send me a bill in the mail so that I could take it to my insurance company just to see if there was a shot in the dark that they would pay for it, but the MAS rep was extremely rude saying they would not pay for it and refused to send me anything in writing eventually hanging up on me. MAS is not my insurance provider and they do not make the decision as to if my insurance will help or not. I do not understand why they will not send a bill if I owe them money. If insurance can not help, that is fine I will make payments as I can, but I would like to at least explore that option.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My complaint is with Bank of America XXXX XXXX affected me from XX/XX/XXXX-XX/XX/XXXX. I pay a vehicle loan by monthly and a payment would be due in the middle of the XX/XX/XXXX. The storm wiped out all communications. The financial institution was not open. 
I have been unduly charged a daily finance fee for not making a payment on time. This institution is collecting funds that are not due them under the conditions florida & I were dealing with.

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 10/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY ().
Issue: Billing statement

Complaint: HI hope you doing well! 
I am XXXX XXXX of XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX and seeking help with American express I have been an American express customer since XXXX The first problem I encountered was when overpaid my " Card XXXX " of {$160.00} They wo n't refund me the difference saying it was my mistake. 
This letter is n't about that but rather about recent phone calls trying to setup online payment for a new Amex credit card XXXX with a different bank account I have been refused monthly statements and online access. 
America express does n't seem to have specific department to file a complaint They seem to only allow phone conversation for which customer are n't told Amex agent name And once they hang off the phone it is impossible to track down the issue since Customers are n't given the extension number of American express agents So, the customer does n't have any record of that conversation for future reference or as evidence in case of dispute. 
The only way is to record it with a device but would need to get transcribe in order to be use as evidences. 
Eventually it resulted in hours of conversation for no result at all I have been calling them every month for the last 15 months with absolutely no result Asking for credit Card statements and never received XXXX single statement ever since I applied for the new card. 
American express is n't in compliance with Credit CARD Act " XXXX " Section XXXX requires card issuers to establish reasonable procedures to ensure that periodic statements are delivered at least 21 days before the payment due date. In addition, an issuer can not treat a required minimum periodic payment received within that period as late for any purpose I tried to ask access to online statement but never been able to get someone to get me access for my new Card " 15 months old now " Not having any statement or the physical card it makes it impossible to pay the balance with another account which I wanted to do as soon as the interest rate went up It might a way to keep the customer out, so the customer wo n't be able to complete payment transaction and they think that would justified an increase of their interest rate as consequence.???? 
" It is like paying the rent for an apartment and not been given the key to get into the place. '' On Thursday and Friday XXXX XXXX XXXX I spent a total of 3 hours on the phone with American Express After which still do n't have access to my account and as a result prevented from making payments and to see monthly statements. 
I am not longer seeking another phone conversation with American express I would like to have a written conversation instead An address for my to file the claim Thank you very much Looking forward to hear from you Regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My student loan debt went from XXXX dollars to XXXX dollars due to interest. I have tried many times to get the monthly payment down to where I could afford to pay, but they would not and only offered me deferments. Their websites are difficult to navigate, and to try to speak to someone on the phone is pointless they have thick accents which make it difficult to understand, and they can never do anything to help you. There is no way I can afford these monthly payments, I am XXXX years old, live paycheck to paycheck and having an XXXX mother who lives with me. I first became unable to pay my monthly fees when I was divorced in XX/XX/XXXX. I had to quit full time school, and I just took courses until I finished with my XXXX degree ( XXXX degree ) in XX/XX/XXXX. Whatever help or information you can give me would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: My bank ( XXXX ) account was accessed as a result of fraud. My bank closed the account but neglected to move the automatic payments to the new account. 

one mortgage payment ( specialised loan servicing ) was late. 

The bank issued a letter acknowledging the problem and admitting fault. 

The company refused to take this into account and adjust the report to the credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed this item on XXXX XXXX, 2016. XXXX did not respond within 30 days. A violation of my consumer rights. The original letter and the copy of my social security card that I sent on XXXX XXXX, 2016 are attached.

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 02-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Closing/Cancelling account

Complaint: My credit card from XXXX XXXX was closed by the issuer. Reason stating my payment had be late multiple times since opening the card. This type of card generally has to be paid off when due each monthly. However I signed up for a feature in early XXXX that allowed purchases over {$100.00} to be amortize over time. I received an email on XX/XX/XXXX that advised my payment was late. I immediately called XXXX XXXX around XXXX XXXX, as I was in the airport on my way out of the country. I was told yes I was enrolled in the {$100.00} program, but it was not processed for XX/XX/XXXX. The agent advised he set it up for that month and I would not have any issues with future billing. He told me I only owed something like {$34.00} and I could pay it when I came back to the XXXX. I paid what was due on my next bill and planned to do the same amortize the charges over time. I was surprised to receive an email on XX/XX/XXXX advising my account was being cancelled. I immediately called XXXX XXXX and was told I was given incorrect information and there was nothing they could do at the time. They apologized and said the agent did not put notes in the file. At this time my account remains closed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : I have noticed that you have placed an inquiry on my Experian credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Company response to consumer: Closed with explanation