milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I sent in a payment to navient and they received it on  XXXX   XXXX ,2017. I have for the pass several sent my payment to the address of  Navient   XXXX .  XXXX   XXXX   XXXX  PA  XXXX   XXXX . They send me a notice on  XXXX  2017  stating I had made no payment. I check my checking account and somehow the check was cashed but sent to  XXXX   XXXX . The first person on the line told me I sent my check to  XXXX  Georgia and I told her that was not true after debating with her for a few I asked to speak with a supervisor.  XXXX  #  XXXX  told my check was since to t he education departmen t I told her for the past  3-5 years  I have sent my check to the same address and neve r had one pro blem after debating with I asked for her supervisor. I held the line for a few minutes she came back and told me her boss refused to talk me but they would accept my payment. I told her I could not make another payment she told they would send back my payme nt in 4 to 6 week s and then I could pay my concern is my credit and the that someone at Navient made an error and sent my check to my old student loan payment center  XXXX   XXXX  I have the check to prove it the number is check  XXXX  from  XXXX .  XXXX  would tell would to contact corporate management she did give me the name of the CEO  XXXX   XXXX  but when I ask for a email or some way to contact him she refused to give me the information. I need to know if there are any class action law suit against Navient and how do I file on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I tried to lease a vehicle at my local XXXX dealership. I specifically told them that I wanted to run my credit with XXXX financing and no one else. A month or so later I find that Capital one shows as an inquiry that I did n't authorize. I spoke with XXXX, no answer. I spoke with Capital one auto financing and was told to submit a letter. I got a respond from XXXX XXXX stating that I did authorize, but I was n't provided the original application or proof of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (CA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: 3 months ago Midwest reported my credit score without my consent and I demand for it to be remove since second party XXXX XXXX XXXX was already aware of the issue I was having and still refused to refund my complete money that was already given to them in the account number # XXXX. My credit was reported unfairly and without my consent and ask for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
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: I realized my credit file was mismerged with a close relative, who, happens to have a similar name and middle initial. While the relative has a comparable name, their gender, birthdate and SS number are entirely different from my own. Furthermore, my relative 's address differs from my own as well. 

I filed a online dispute with Equifax. On the same day I dispatched a dispute email to the credit reporting agency. Shortly after I initiated the dispute, I received notice the reinvestigation was " complete. '' The notification from Equifax stated my ( new ) report was available for " review. '' After I reviewed the ( newly issued ) credit file I was surprised to learn the CRA failed to delete the inaccurate information. Simply, my family members personal identifying information continues to linger in my ( mixed ) credit file. 

I notifed Equifax on several occasions my file was " mixed, '' however the CRA ignores my claims and fails to delete the inaccurate data. Equifax reported, shared and continues to spread unreliable data for a fee. Instead of verifying the information and creating a new file, Equifax muddled our data together. 

I have evidence of the merged data, the correspondence of both parties, as well as the confirmation numbers pertaining to the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (I do not know) with Ideal Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed this already and if I need to write a formal letter I will. Yes, I signed the lease but never stepped inside his apartment due to being hospitalized for XXXX months. XXXX the treatment center I was that wrote a letter and XXXX said I was not living there anymore. She also said she was not living on there anymore. It is XX/XX/XXXX and I 'm just finding out that she has been living there and got a XXXX did and I never properly was taken off the lease. I have tried talking to the apartment company but they have sold the debt to the collections agency and this needs to be removed. I will not stop hassling until it gets done because of the legally I signed a lease I was physically unable to move in and she was falsely representing me. I have tried to contact her and I have no idea where she is and she also caused any eviction which goes on my record as well. This is not right and I do not have the money to pay for something I was told she was not even living there anymore so I was not having to worry about the lease. I physically never lived here although I signed the lease. I was in the hospital and she lied and represented me and was pretending like I was living there with her. This debt is not mine this is her responsibility. This was back in XX/XX/XXXX and I am just now finding out about it because it was supposed to be removed from the lease since I was in the hospital and she said that she was not moving in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
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: The company ( XXXX ) agreed to correct the incorrect late reporting ; however, the late payment is still reflected on the Transunion report, and affected my current refinance because my score was slightly too low for the lender 's credit of over {$400.00}. XXXX was notified about this issue in early XX/XX/XXXX, and has still not corrected the problem. Please see the attached evidence, which is a copy of the XXXX letter, and a copy of the Transunion report.

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 11/19/2016 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Customer service / Customer relations

Complaint: Synchrony Bank informed Lowes, Belks , XXXX XXXX credit card companys that I was deceased They had them close my accounts and ability to pay online. I am very much alive. I understand no one thats not a power of att. or have a death certificate can close an account. This has caused me late payments and embaressment. Late charges also applied. I have to pay online as I do not drive anymore.

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 03/21/2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (OR).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we were having financial difficulties and having trouble making our mortgage payments. We tried to get a loan modification with XXXX. We were told we would not be considered for a loan modification unless our loan was in default and we were current. As soon as we missed our 3rd payment our loan servicing was transferred from XXXX to Everhome Mortgage. We then tried to get a loan modification with Everhome, and were told over and over again to resubmit documents and paperwork. In the meantime, we were issued a summons for foreclosure. Everhome stated in the summons that they had filed an affidavit and did not have to provide us with any type of mediation. XX/XX/XXXX our loan servicing was transferred to XXXX. We were given a new loan number and a new address to send payments. We then filed for a modification with XXXX. But Everhome continued with the foreclosure process. I filed a complaint against Everhome with the cfpb in XXXX of XXXX. At this time, Everhome assured me that XXXX had been handling my foreclosure the entire time. They also stated that they were in the process of substituting XXXX as the plaintiff on my lawsuit. But a judge ruled in favor of Everhome on XXXX XXXX XXXX. The judge said that our foreclosure could not be dismissed because Everhome had filed for the affidavit and was exempt form the requirements of ORS XXXX. He said that the did n't have to provide us with any mediation. I do not understand how a judge could rule in favor of Everhome in XX/XX/XXXX, when in XX/XX/XXXX, they stopped servicing our loan. And in XX/XX/XXXX, Everhome stated in their response to my complaint, they were not handling my foreclosure, and were taking their name off of my lawsuit. XXXX, the current servicer, is not in compliance with ORS 86.726. XXXX is not compliant with ORS 86.726. It has been confirmed by the courts that even now, as of XX/XX/XXXX, Everhome is the plaintiff on my lawsuit and has been the entire time. Even when I had a modification pending with XXXX. They should not just be able to swap places on my lawsuit. XXXX should have to comply with ORS 86.726 before bringing forth their own lawsuit. It is now clear to me that Everhome was not being honest back in XX/XX/XXXX when they stated they were removing themselves from my foreclosure, and that is has been XXXX the entire time. It is clearly still Everhome that is handling my foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with Arcadia Holdings, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Caller ( Ph # XXXX ) claimed to be with Arcadia Recovery Bureau, asked for me by name, then asked for my birthdate as a verification. Caller refused to disclose the nature of the call unless I furnished her w/ my birthdate. I terminated the call. I have no knowledge of the agency named, but it 's evidently a collection agency. I 've no knowledge of any debts that would have been given to such an agency.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My wife has received numerous harassing phone calls from XXXX XXXX from  XXXX, TN asking for me, stating they were attempting to collect a debt on a XXXX account that was past due. When this first occurred, I contacted XXXX, who confirmed that I was not in collection and my account was in good standing. <P/>XXXX was the phone number that they called from, and when searching for that number, it comes up as a locksmith company. The persons on the phone have been threatening my wife with collection and negative credit strikes against my credit if we do n't pay. When told that we do n't have a balance with XXXX, they would not listen and again tried to scare us into paying the 'debt. ' They have called twelve ( 12 ) times in the last six weeks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Other

Complaint: XXXX I received a paper application from Capital One XXXX XXXX Signature card stating that I was pre-approved. I called the company to ask whether there would be a hard credit pull. I asked this because I have excellent credit and intend to keep it that way. The phone representative guaranteed me that there would be no hard credit pull since I was pre-approved, and that would be true whether the application was via snail mail, online, or by phone. On XXXX XXXX, 2015, I applied online and received the card soon afterwards. I have always paid in full on time. After checking my credit report, I realized that Capital One had gone against its verbal promise and issued a hard credit pull. I called the company and made a complaint, requesting that the hard credit pull be removed as promised. The issue was forwarded to a representative named XXXX. He called me on XXXX stating that the company was not able to trace my phone call, that there is fine print stating a credit check will be performed on all online applications, and that Capital One would be unable to remove the credit pull. I told him that his results were unacceptable, asked him to recheck the phone records, and gave him a home phone number to check even though I believe I made the phone call from my cell phone. 
I am asking that the hard credit pull be removed and that Capital One train their representatives to avoid this situation in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Like many Americans, I have been getting up to a dozen robocalls a day offering everything from new windows to mortgage loans.
Today I got a call on my cell phone number from a XXXX area code, but it was someone who was clearly from overseas, offering to put me in touch with someone to talk about getting a mortgage loan.
Within 60 seconds of hanging up, I got calls from at least half a dozen callers, presumably mortgage companies. One of them was Quicken Loans. They claimed that I had generated the lead by filling in an online request. This was not true.
I asked to be transferred to the compliance department and spoke with XXXX XXXX ( direct dial : XXXX ).
He said he would take my name off the Quicken Loans list. I asked him why Quicken Loans is buying leads from such a company and he did not know. Companies like Quicken Loans are enabling these kinds of robocalls that are plaguing Americans throughout the day. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Account opening, closing, or management

Complaint: I did not request or approve to Huntington Bank looking into me for a credit card or auto loan. remove their poor actuation from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to see XXXX XXXX XXXX XXXX XXXX XXXX for medical services on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX at XXXX ( business name ) Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , NV XXXX Phone # : XXXX. I paid my copay. My insurance company ( XXXX ) owes the remaining balance and is under a RECEIVERSHIP/Court order XXXX Judicial District Court of XXXX County, Nevada ( the " Receivership Court '' ), in case number XXXX, and pursuant to Nevada Revised Statutes chapter XXXX, entered its Permanent Injunction and Order Appointing Commissioner as Permanent Receiver of XXXX ( the " Permanent Receivership Order '' ) Per the court order XXXX can not bill consumers or patients, but have done so anyway and have ignored the court order. After explaining this several times by phone and email, on XXXX/XXXX/XXXX I received an email stating I was no longer in collection status from a XXXX XXXX XXXX. I continue to be billed and reported to collections. The last transmittal letter from Transworld Systems Inc. Collection Agency on behalf of their client XXXX XXXX XXXX XXXX is dated XXXX/XXXX/XXXX. My credit is being effected negatively and should n't be.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I contacted my private loans and was told my severed father would be off of the loans. They refused to take him off, told me I had no repayment options, and are refusing to put my loans in in-school deferment while I am in school part-time. I have contacted them numerous times and never get anywhere and get told they will call me back. I never get a return call but etters 3 weeks later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention  XXXX   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Debt collection (Credit card) with DISCOVER BANK (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I have been targeted by Racketeering & Identity Theft Fraudsters who have stolen my exempted social security XXXX income at a XXXX XXXX Bank by Malicious Prosecution in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has several disputes concerning my issues. I filed Chapter XXXX but I won a XXXX lawsuit and i the did a voluntary dismissal. Equifax has been informed. They also continue to show XXXX mortgages as wage earner plan when XXXX were paid off in closing with wiring instruction. They continue to damage me amd my credit by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The last payment on this account was XX/XX/XXXX.XXXX claim the last payment XX/XX/XXXX I wrote XXXX a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX at XXXX ext- XXXX and spoke with XXXX on XX/XX/XXXX at XXXX she advised me that XXXX XXXX do n't have the account. How can XXXX report to the credit bureaus the last payment but they cant send me the last payment identifier..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Berlin-Wheeler, Inc. (Kansas) (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. My bill was paid when my account was closed in XXXX/XXXX/14 and never get any calls or reclamation from the company just recently.

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 11/29/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: MY BROTHER WHO SINCE XXXX XXXX IN XXXX OF THIS YEAR AND HIM AND I PURCHASED A VEHICLE FROM XXXX XXXX XXXX DEALERSHIP IN XXXX NEW YORK ON XXXX XXXX XXXX AND THEY GOT US A LOAN FROM SANTANDER CONSUMERS USA BANK KNOWING WE LIVE ON A FIXED INCOME AND A WEEK BEFORE XXXX XXXX SALESMAN INFORMED US THAT THEY HAD A CAR FOR US IT WAS A XXXX XXXX XXXX XXXX  XXXX XXXX NOT KNOWING THAT THE VEHICLE WAS NOT ROAD WORTHY BECAUSE IT WAS IN AN ACCIDENT IN XXXX XXXX NEW YORK THEY NEVER DISCLOSED THAT INFORMATION TO US BANK WAS SO QUICK TO FINANCE US THE LOAN XXXX XXXX SALESMAN TOLD US THAT THE CAR WAS STILL AT THE AUCTION PLACE THE SALESMAN TOLD US THAT THEY HAVING REPAIRS DONE ON IT AND I ASKED WHAT REPAIRS ARE THEY DOING ON IT THE SALESMAN NEVER TOLD US WHAT KIND OF REPAIRS THE AUCTION PLACE REPAIRING ON THE CAR WHEN WENT OUT TO XXXX TO PICK THE CAR UP I WENT OUTSIDE AND THERE WAS A TEAR ON THE REAR BUMPER AND I ASKED WHAT IS THAT SO I REPAIRED IT MYSELF NOW THE BANK IS ASK ING FOR THE REST OF THE MONEY AT THE INTEREST RATE THEY THEY WANT ME TO PAY THEM NOT HAPPENING THEY NEED TO PAY ME BACK ALL THE 2 YEARS OF PAYMENT WE PAID THEM I ASK THEM IF THEY WOULD REFINANCING AND THEY TOLD ME NO THE CAR WAS TOTALED ON XXXX/XXXX/XXXX HIT FROM BEHIND AND IT 'S MY FAULT NO WAY I JUST BACK EVERY PAYMENT MADE TIGHT BACK TO ME AND SANTANDER CONSUMERS USA CAN GET THEIR MONEY BACK FROM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Credit card) with ERC (CT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Actually never talked to this collector ERC and do not know what the debt is about. I have not heard from one of my creditors that this debt collector is taking over my debt. Called me several mornings between XXXX and XXXX. Tells me to call XXXX and give the number XXXX. I would like a list of debt collectors who are licensed to practice in Connecticut.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief