milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX ( now Navient ) offered me to consolidate my loans. I accepted but when Congress passed the law to allow the student loan forgiveness programs, I called them to ask if I would qualify for it since I worked for a XXXX XXXX XXXX. They told me that after 120 on time payments I would. Now that I made the 120 payments, they said that because my consolidation was under the Smart Loan Consolidation and not a Direct Loan Consolidation I did not qualify. I was given deceiving information to prevent for obtaining the public service loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (FL).
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 have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9  consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are   XXXX  l oans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Nanient is cla iming I owe them {$7000.00} on a contract from  XXXX   XXXX . I have called a minimum of 5 times to solve this as I do not believe this is legitimate. All with no resolve. On the last call I spo ke to a manager and   asked for proof that I owe this and when it was dispersed. He said they did n't have any paperwork except for the original master promissory note from  XXXX   XXXX  and did not know when it was supposedly disbursed. He did n't even know what school I attended or my graduation date. The promissory note was a paper I signed 8 years ago prior to borrowing any money or taking any classes. I have other student loans, all in good standing, with other companies. I did n't even know who they were until the letters started coming. I am not going to just pay someone {$7000.00} without proof of receiving it. I am trying to buy a house and this is now holding up the purchase and if not resolved quickly I will lose the house. I told them that if I owe it I will pay it once I am shown it is legitimate but every attempt had the same result, no one can show any proof that I owe the money to them but they ruined my credit with this. It is the only negative on my credit. I want it taken off my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Federal student loan) with Allied Interstate LLC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have loans in my name for a school I never attended, I have now incurred {$90000.00} in student loans for an XXXX XXXX XXXX at a school that I recently found out is not accredited. They intercepted both my XXXX and XXXX tax returns totaling {$10000.00} and on the XXXX they had only taken over 6 months earlier, they took XXXX % of my {$4600.00} return and only paid {$650.00} toward my loan, and they took XXXX % of my {$5100.00} loan. They have refused to send me any information on my loans and this is what they sent me in an email This is to acknowledge the receipt of your email. Please be advised that we forwarded your email to our operations department who is currently handling the account. You can also call their hotline number at XXXX for further assistance. 

Which tells me nothing .... I still have no answers and I have been chasing after this information for months now ...

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 non-monetary relief
Consumer complaint received 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is fraud and I put the letter of the law in a certified letter to Debt collector and have been ignored and harassed for the debt, which is inaccurate and wrong to begin with, I would like debt removed and my credit score prefect.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX ,  XXXX , and Experian are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more t han two years and they have not removed them from my credit file.    They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from   XXXX    and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the  XXXX  from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up in  XX/XX/XXXX  and I need them to fix my credit report asap, please.   CTPB please help.

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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I sent a dispute letter to all the credit agencies wanting to receive proof of ORIGINAL documentation of accounts on my credit report and they have to yet do so.

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 12-06-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: a doctor sent this to a collection agency. when I never even got a bill from this doctor. I have been trying and trying to call the debt collection company, Trans world Systems, but when i call it says.. leave a message for extension, XXXX ive left a message. they dont answer their calls on XXXX different numbers I 've called. they have a fax number on one of their web sites, i tried to fax them a dispute letter. The fax number is a phone number! again, no answer. 
how can i dispute this debt if i cant get ahold of them? the problem is, the doctor office is charging me my XXXX percent share at a price that exceeds what XXXX says i have to pay. the XXXX has to go by XXXX approved amounts. and not charge me what they think they should get paid, Good thing XXXX issues me what they pay out and the most i should have to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (I do not know) with ALLY FINANCIAL INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have received phone calls to our business from Ally Financial ph # XXXX repeatedly for two weeks and every time I pick up, they hang up on me. I called them on XXXX XXXX and asked them not to call because the previous owner they are trying to collect money from does not have that same number anymore. They assured me that our number would be removed from their list. We have received four more calls since the day I called.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX, XXXX and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.

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 10-09-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Application, originator, mortgage broker

Complaint: I have refinanced my mortgage XXXX times with BofA. Each time I was pushed through a process called " The '' Hustle '' program, a " high speed swim lane '' program which eliminated every checkpoint on loan quality and compensated employees based solely on the volume of loans it originated. The " Hustle '' reduced the amount of time spent processing and underwriting conventional loans, thereby boosting loan volume and revenue. XXXX of 2013 the DOJ and BofA went to court over the banks liable for misrepresenting the quality of mortgages sold to XXXX and XXXX XXXX. I would never have qualified for refinance my mortgage if any documentation were required. To obtain my mortgage not XXXX single document was required. Only my credit score. Now I qualify for a reverse mortgage but I am {$8000.00} short. I would like my closing costs reimbursed for all XXXX transactions because if I were not, and should not, have been allowed to refinance, I would be in the position to obtain a reverse mortgage without a problem. BofA will not discuss a settlement for the {$8000.00}. with me and basically totaly ignores me, does not return my phone calls and basically discounts my existence. I need help with this injustice. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: After starting a refinance application with Quicken [ Id. XXXX ] I decided not to continue with them and notified them to that effect on XX/XX/XXXX requesting that they send me a copy of the appraisal for which I had already paid and terminate my application. They have so far not done this. They chose to harass me with repeated phone calls so I eventually blocked their numbers ; they mis-transcribed my email address and then claimed I was using wrong address so they could n't deal with me. Eventually I told them either send me the report or return my money by end of XX/XX/XXXX or I would make a complaint, which I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Payday loan () with Risecredit, LLC (TX).
Issue: Received a loan I didn't apply for

Complaint: I believe Rise is a payday loan co and as I am checking my credit report I see Rise on my credit report and I have never applied for a payday loan at Rise. I have been having lots of problems with my ex-spouse which whom I divorced in 2006. I am more than certain he is the one applying without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: My account was closed by PNC Bank .... My account experienced fraudlent activity.I told PNC .I was n't paying it ... So I am now in collections ... Through a third party collections agency.I am disputing the charge again.I am requesting PNC take back the debt and service the account an XXXX balance.Since it was fraudlent activity done on the account.They seem to have an I do n't care attitude.I am a XXXX who understand they are in violation of the Fair Debt Collection Act of XX/XX/XXXX and The Fair Debt Reporting Act of XX/XX/XXXX.If this serious matter is n't resolve with 30 days.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.I will also subpoena every phone call recorded and every note on my account.I will not tolerate being on XXXX and reported to the XXXX credit bureaus ... My account should never have been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXXDear CFPB representative, I received an updated escrow analysis of my Chase mortgage dated XX/XX/XXXX saying that my escrow account is {$1800.00} short. The analysis is erroneous as Chase ommited to include my future montly contribution of {$630.00} for the month of XXXX and XXXX but yet included my future contribution for XX/XX/XXXX and all future contributions for XX/XX/XXXX and XX/XX/XXXX. Chase also included all potential future withdrawals. I circled the omitted XXXX contributions on enclosed page XXXX of the statement. I called them today and spoke with escalation manager XXXX XXXX XXXX, who failed to answer why Chase failed to include XXXX of my potential payments for XX/XX/XXXX and XX/XX/XXXX totaling XXXX {$1200.00}. What Chase is doing is essentially dropping some potential contributions but including all potential payments and is asking me to prepay a lot of money based on a skewed analysis. 

I am afraid that many Chase mortage customers are indeed affected by their faulty analysis. If there are XXXX consumers each being asked to prepay {$1200.00} from a faulty analysis, Chase could be collecting interest free XXXX from their consumers. It took me a while to read their confusing escrow analysis statement and am afraid that many consumers would not have time to do it. 

Thank you for your time, XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Debt collection (Medical debt) with Preferred Collection and Management, Inc. (MO).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: The medical debt was consistently being paid WHEN it was turned over to this collection agency. This company - Preferred Collection & Management Services. This company repeatedly calls my phone number sometimes XXXX times in a row and have been calling before XXXX. This morning they called me XXXX times just between XXXX. It is excessive and ridiculous and they 're breaking the rules on collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Owner of this unit has neglected exterior maintenance since taking ownership in XXXX 2016. On XXXX/XXXX/16 the water authority had to turn off the water due vandalism causing water to flood into the neighboring unit and cause further damage to the exterior of this unit. After two weeks of attempts to get this situation rectified due to neighbors expressing concerns with potential mold spreading throughout the entire row of homes I have received no return calls nor have the owners cleaned up the exterior or interior of the unit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: RE : TRANSUNION I wanted to dispute an item on the Transunion online site but could not gain access. 
I had to register as a New User. 
I tried XXXX ( XXXX ) different user names to use and they were all rejected. 
There is a XXXX in XXXX chance that ALL of the names I tried to use as my user i.d . could have been already in place by " another '' user. 
They ( Transunion ) set up a special " button '' to use to file a dispute, .... however it does not allow you access. 
Additionally, there credit score numbers are always significantly lower than the other XXXX reporting agencies which has a negative affect on a persons credit score.

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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX  has 3 accounts still listed on my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ). All 3 accounts show a balance of {$0.00}, but report as charged off. Despite contacting the company numerous times, these items still report. I am wanting to buy a house soon, and these 3 accounts are still showing up, and weighing my score down significantly. I have had other companies remove paid collections, but it seems XXXX XXXX only wishes to report paid collections out of spite. The 3 accounts are a XXXX, a Paypal Extra 's MC and a XXXX XXXX XXXX. 2 accounts were closed on XX/XX/XXXX, and Paypal Card was closed on XX/XX/XXXX. Despite over 3 years passing since these accounts were closed, they are still damaging my credit.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted my most recent student loan payment to Navient on XXXX/XXXX/2017 ( over twenty-four hours before it was due on XXXX/XXXX/2017 ). I immediately received an email receipt confirming that my payment had been submitted. I was informed on XXXX/XXXX/2017 that my payment was " overdue. '' Turns out that Navient had not sent the request to my bank until XXXX/XXXX/2017, a full five days after I had submitted the payment. The payment was finally processed later in the day on XXXX/XXXX/2017. I am now worried that I will be charged a late fee, not to mention the repercussions this could have on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a security breach in which many people has personal information stolen. I was one of these people and this could be considered the released on personal information without my consent. This information being made public can cause problems in the long term, including identity theft which could damage my credit score and finances. Even is no identity theft occurs, private information being made public without the permission of the individual is unethical and violates our liberties. Please look at all the facts regarding the Equifax case and ensure that victims see justice.

Company response to consumer: Closed with explanation