milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX XXXX I received a copy of my credit report. My credit report is stating that I have XXXX separate accounts, with collection balances, each with a different account number and a different amount owed to Portfolio Recovery. The account numbers and balances owed are as follows : Acct # XXXX for {$630.00}, Acct # XXXX for {$500.00}, Acct # XXXX for {$450.00}, and Acct # XXXX for {$740.00}. All XXXX accounts appear to be opened on or about early XXXX. I have never had an account with Portfolio Recovery nor do I owe monies to Portfolio Recovery. I have sent XXXX separate letters, over a 49 day period, asking for validation of said debts. I have not gotten a single response, for the alleged debts, from Portfolio Recovery. My credit report was marked " disputed by consumer '' but I did not receive any information from the collection agency. I am not aware of any debts incurred with Portfolio Recovery. I was separated from my estranged husband in XXXX and divorced in XXXX and I do n't know if these alleged accounts were obtained under false pretense.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen continues to refuse to conduct a fair and impartial review of my mortgage history as far as its own handling and with prior servicer Litton. The loan has been reported by them to have been charged off at least 3 different times. In XXXX, XXXX XXXX, XXXX and XXXX XXXX. A Charge-off allows a creditor to take a tax deduction for bad debts under Section 166 of the IRS code. Obviously, it is a violation of Federal Reserve rules and other banking rules, to declare more than one charge-off on the same loan and concomitant write-off as uncollectible. More recently in XXXX, it has notified XXXX and XXXX of yet another charge-off in XXXX and XXXX XXXX. Ocwen 's XXXX XXXX, XXXX notice to me disingenuously attributes its action to a request on my part. I never requested such charge-off but did challenge their refusal to recognize they are time-barred from reporting the loan to credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with CITIBANK, N.A. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The attached letter has been sent to this undefined entity that submitted an inquiry to my credit report, having a negative effect on me personally. My personal information has been compromised and I have taken all necessary steps to protect myself, but nothing is quite perfect in this regard. This particular assault is at once nebulous and dangerous, so it must be addressed. Your help is appreciated. 

XXXX XXXX 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 08/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended school at The XXXX XXXX of XXXX from late summer of XXXX until summer of XXXX. During that time I accrued over {$40000.00} in debt to attend one year of school. The application process through XXXX XXXX was ambiguous and non-informative. The only times of urgency for the loan were when it seemed like the deal was going to fall through. I was never explained the terms of the loan or how it could possibly effect my future, even with a cosigner. I was merely given a very large financial document to read. Being XXXX years old at the time, I feel as though some sort of council or assistance should have been given. Some aspect of coaching. I was instead urged on by the school financial officer to do whatever I could to get the loan. 

Fast forward to post year of school and there was absolutely no assistance in repayment. The only offer I was given was forbearance on the loan. I was never explained to that the interest would keep accruing, or if I was, it was quick and almost a side note so that I would n't catch it. The calling center was always outsourced to XXXX, I was rarely ever connected to a person that could fully understand me. I took advantage of my full 72 months of forbearance and then had to start paying things off. Again I was greeted with misinformation and no assistance on repayment. No IDR plan offerings, no refinance or anything. I could make interest only payments is what was offered. And that is where it sits today, I can make interest only payments or pay the full amount, which is only maybe a {$60.00} difference. 

I feel I was lied to, blindsided, and taken advantage of just so some junky for-profit school and loan company could make tens of thousands of dollars off of my youthful unknowing. I am now unable to afford a house for my family, I had to go back to school in a different career in order to even attempt to try and have a normal life and rack up even more debt. I currently have no way out other than to pay the payment in full every month in order to keep my credit score from tanking and to also avoid the consistent calls and pestering. 

Quick to collect money, stuck in a tar pit when it comes to helping.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I wrote a {$100000.00} check against my HELOC, and the bank unilaterally split into XXXX XXXX {$90000.00} and a {$10000.00} XXXX and charged me XXXX for writing a check. Rather than a single transaction for {$50.00}, they charged me for XXXX transactions of {$50.00} each. I tried to complaint via online chat, and the person said that the loan department said that 's how they do it. I went into a branch to complain, and the person in the branch XXXX XXXX XXXX XXXX called the loan department, who told her that if anyone writes a check over {$90000.00}, they automatically split it into XXXX transactions in order to charge the transaction fee XXXX. 
I have paid off and closed the account ( including paying XXXX {$50.00} fees XXXX, but this behavior is sleazy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Issue # 1. Decades of Missaplied payments, in Navient 's favor : My mother consolidated me and my brothers student loans into a XXXX XXXX Parent plus loan back in the mid-late 2000 's. The XXXX separate loans had varying interest rates, and separate payment streams, so that I could pay down mine, and he could pay down his. Over the years, we found that XXXXNavient misapplied my payments in their favor. After years of this misapplication, and countless calls to their customer service departments, we have never received any type of followup, feedback, or resolution to the complaints we have made to have these issues solved or rectified. Promises are of course made over the phone ( we 'll straighten this out ), but the systemic issue is never, ever resolved. Therefore - I believe that with almost a decade 's worth of misapplied payments, my nearly {$60000.00} student loan, can and should likely be halved ( due to almost the retroactive correct application of nearly {$20000.00} of missapplied payments ) as I 've been paying diligently, and in excess of the minimum rate, to ensure I can pay it down quicker, and erase the interest and principal in a strategic manner. 
Issue # 2, Navient misapplied my mother 's payments to different account : I believe during the transition from XXXX to Navient, something happened where my mother paid her regularly scheduled 8 monthly payments of {$160.00}, totaling {$1300.00} - but they were misapplied to a different account, with a transposed XXXX digits. We incurred late fees - which we have already paid. My mother wrote a letter to them, they said they never received, we have even provided documentation from our own bank records detailing that these payments were taken by Navient. So - we need {$130.00} in late fees reimbursed, and the {$1300.00} properly applied to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Late fee

Complaint: Citi failed to send me a bill for two months. I had a XXXX balance on the account. I made a payment on XXXX and was told that they would only be able to credit one late fee and that I had a remaining balance of XXXX late fee. I received an paper bill with another late fee of XXXX. The manager said that the email was not returned to them and could not credit the late fee. I was told that the last fee applied on XXXX was for the month of 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 monetary relief
Consumer complaint received 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I stopped payment on a check that I did not present XXXX. The drivers license number or birth date or signature are not mine on the check. Have contacted Trident Asset Management numerous times they are very rude and wo n't listen to me. They reported this stop payment check XXXX and the refuse to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: disputed with equifax and was removed and then reinserted. i wrote to court cause i did not file bankruptcy in XXXX, XXXX and XXXX and ask could be a computer error. They responsed that they do not verify or validate those bankrupty. ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am the victim of identity theft and I noticed that XXXX has deleted the accounts that are not mine but Equifax has not done so. As a result I have an 'Excellent ' credit score of XXXX with XXXX and a 'Fair ' credit score of XXXX with Equifax. Another person named XXXX XXXX opened up the accounts using my information without my permission and charged up the cards to the tune of XXXX dollars. I have previously disputed those acounts. I am complaining about Equifax 's false reporting because they are being unfair in keeping those accounts on my record when I did not open them and derived no benefit from the ill gotten gains of XXXX XXXX. This is a violation of the FCRA for which they could be sued. The accounts are : XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus, Inc., my mortgage servicer has refused to answer my questions about the servicing of my mortgage ( fee charges that do n't seem reasonable and corrected XXXX mortgage interest form that does not agree with my statements ) despite repeated phone calls. All phone calls are met with an exceptional lassaiz faire attitude followed by no answers to questions. I feel I have no where else to turn -- they hold all of the cards. Worst mortgage servicer ever!

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Credence Resource Management LLC purchased an expired debt that I was no longer liable for. This debt had been removed from all of my credit reports it was expired and time barred. 
They did not contact me before placing negative info on my credit report to give me a chance to verify this debt. 

They re-aged the debt claiming it was a new account and the last payment was in XXXX 2016. Federal Law prohibits cell phone companies to sue after 2 years, they sent the info to XXXX and it caused my credit score to drop XXXX points. I have since disputed and XXXX gave me a favorable decision and deleted the negative information. 

This practice of parking and re-aging a debt is illegal, especially with out first trying to contact me.

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 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from on XXXX/XXXX/2015 from a female asking me my name and address. She did n't state where she was calling from. I returned the called and learned it was from a Receivables Performance Management Collection Agency. She stated that I owe a family mobile bill, but the account had a different last name than mine. I 've been with XXXX for over six years. Therefore, I do n't owe a family mobile bill. I have n't received a letter from them stating that I owe a debt, but calls stating that I owe a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying SallieMae ever since my forbearance ended in XX/XX/XXXX. It started out with {$720.00} from XX/XX/XXXX to XX/XX/XXXX 
In XX/XX/XXXX, I successfully paid off XXXX of my XXXX loans. That brought my new monthly payment down to {$670.00}. As a result, I began paying this {$670.00} in XX/XX/XXXX. 
Never has Sallie Mae put in any hidden fees I knew nothing about. Never have they adjusted anything. 
Then in XX/XX/XXXX, I saw that i had to pay XXXX, I did n't look into it, I figured that it was n't a big difference from {$670.00}. I continued paying this new {$670.00} from XX/XX/XXXX, when it began, to XX/XX/XXXX. 
On XX/XX/XXXX, it raised to {$680.00}. I paid it and now i see it again, {$680.00} for XX/XX/XXXX. I am worried that it will raise again. So i decided to check over my online statements, I had no late fees and NO explanations in the calculation. 
I decided to call and inquire. I ended up speaking to a rep named XXXX at XXXX on XX/XX/XXXX and he said " based on the economy, your loan interest can increase ''. 
Now, I do n't trust SallieMae, it is bad enough that I pay as much as I do and I can not do anything about it. But I would like further investigation. The last thing I need is to get screwed over by these criminals. I do not see why I have to pay for the economy. As far as I know, the economy fluctuates as it always does. My payments have never ever decreased, but all of a sudden they increase it. This simply does not sit well with 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 01/27/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Hello, I graduated from XXXX University several years ago. I received a private loan from Chase. In XXXX of 2015 I lost my job due to election. I requested assistance. I received 2 months of deferred payment. When I requested additional help I was told inaccurate information. I made several phone calls requesting assistance and was informed I should call back in a month to see if I qualify for other programs. When I called, I was informed I defaulted. When I explained that I was following the instructions of their representatives they explained that I should write a letter to the lender requesting assistance, send the letter to them, and they would forward it the lender. Again, I did as instructed. The response from the lender was a an accelerated bill stating I owed the full amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian reporting incorrect/false information on my credit report relating to a XXXX XXXX account that is not mine. I have never had a XXXX account nor have I ever authorized the use of their services

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Great Lakes Higher Education is mishandling government funds from veterans benefits and the federal student loan repayment program. This is a annual problem and every year it is a big process to get GLHE to acknowledge payment was made and to actually apply the funds to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was on a payment plan with Target. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have several ( XXXX ) inquiries on my account that are unauthorized and the credit bureaus will not delete inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Payday loan () with Kingston Financial, LLC (OK).
Issue: Received a loan I didn't apply for

Complaint: I was contacted by a debt collector for an online payday loan they claim was made. Somehow, they had all my personal information, and demanded I pay them XXXX dollars immediately. The account they claim was put down as the pay-out to re-receive their funds was closed three-five years before they claim this payday loan was made. They also claim it was by an address that I had n't lived at for several years.

Company response to consumer: Untimely response
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, XXXX I sent Pinnacle Credit Services a certified letter asking for them to provide validity of debt. I have not heard anything back from them ever. I then on XXXX XXXX, XXXX sent a no response letter and XXXX XXXX, XXXX final no response letter. They have disregarded the laws put in place by the Fair Credit Reporting Act. This account should be removed from my credit report at this time. The debt has not been proven to be valid. his has been very time consuming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I stated to XXXX XXXX that I have know knowledge of any Debt they are claiming that I ow to them. XXXX XXXX is also reporting an unverified debt that I allegedly owe to them to the credit bureaus I have no contractual agreement with XXXX XXXX at all. They are in violation of the Fair Debt Collection Act that  state they must validate and verify any and all debt to a 100 % accuracy. They are also violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. Im also requesting documentation of contrast with my signature thereof. If they can not produce such items they will be held responsible for Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I lost my job at  XXXX   XXXX   XXXX  in  XXXX  because I could not meet all of the excessive sales quotas they had placed on me. It took me several months to find a new job, so I did not have any income at all for over a month until I found my current position which is only part-time and will not allow me to work a second job. I am twice widowed and do not have any other income so of course fell behind on my payments due to this. I have been trying to catch up my rent and car payments first and was then going to make payments on credit cards by end of  XXXX , but my Nordstrom credit card has piled on  XXXX  in late fees and  XXXX  in interest, the card only had a  XXXX  credit limit and only at  XXXX  in   XXXX   XXXX     but is now at  XXXX !!! These fees are excessive and nothing but pure greed ( which they will answer to  XXXX  for in his time for trying to take advantage of a widow ) and unfair!! If they want a payment and for me to eventually pay off the actual balance owed on the card of  XXXX , they will need to remove all late fees and interest, send me a corrected bill and give me until the end of  XXXX  to make a payment. My bills are currently  XXXX  a month more than my monthly income. I also want all contact from them in writing by mail only!

Company response to consumer: Closed with explanation