milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a XXXX XXXX XXXX at Navient that used to be at XXXX XXXX. My bank sent a check for {$7600.00} to Navient. When I told my bank to send the check, I gave them the XXXX XXXX XXXX payment address listed at http : //www.navient.com/about/contact-us/ because that address is listed under the section that reads " Loans Through the U.S. Department of Education . If you have loans through the XXXX ( XXXX Subsidized, XXXX Unsubsidized, XXXX PLUS, or XXXX Consolidation ) or loans owned by the U.S. Department of Education through the Federal Family Education Loan Program ( FFELP ) ''. I did this because my loan was a Consolidation Loan issued by XXXX XXXX ( not a private bank ) and this is the only section that says " Consolidation '' at all. 

However, my Navient account has not been credited with the payment. So I called today to ask why and the Navient representative said that my bank should have sent the check to the XXXX XXXX XXXX XXXX payment address listed under " FFELP and HEAL Loans. If you have Federal Family Education Loan Program ( FFELP ) or Health Education Assistance Loans ( HEAL ) owned by a third-party lender ( usually a bank or credit union ), or a private loan with this type of statement ( view image ). '' Apparently, Navient considers XXXX XXXX to be a " third-party lender ( usually a bank or credit union ) ''. 

Now I have no idea where the check is. Navient refuses to tell me if they will return the check to the bank because it was sent to the wrong address, or if they will transfer it to the correct address so it can be credited to my account. At one point, the Navient representative told me " There is a possibility that the US Department of Education may have already cashed it in which case the money is gone, '' which is horrifying if true. 

Can Navient simply keep my money and not credit it to my student loan? Or must they return it to my bank, or forward it to the correct address for processing? And why is their Contact Us payment page so confusing, listing 3 different groups of loans and payment addresses, none of which seem to apply to former XXXX XXXX customers with Consolidation Loans?

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (I do not know) with Firstsource Advantage, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An account is on my credit report that I do n't know what it is it 's hurting my credit and they do n't have proof that this account is mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was able to pay/consolidate XXXX students loans from XXXX in XXXX 2015. The accounts should be marked as paid in XXXX of 2015. XXXX is reporting it as late/charged off in XXXX of 2015. I have included documentation as to what is showing on my credit report. I have worked with a XXXX XXXX a Senior Borrower Advocate XXXX. They have failed to get my credit report updated correctly to show that I was not late in XXXX 2015. If the loan was paid off in XXXX of 2015, it is impossible for me to be late. I am submitting documentation from Fedloan servicing to show that the accounts have been paid up via consolidation. I have spent countless hours contacting both XXXX and the credit bureaus yet my requests to have this updated to not reflect that the account was late in XXXX of 2015 have been ignored. This is severely impacting my credit and my ability to receive credit. Please assist me in getting my credit reports updated to show that I was not late in XXXX 2015 and to put into place proper measures that will prohibit both XXXX and the credit bureaus from leaving inaccurate information on American citizen consumer reports. I have enclosed supporting documentation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On or about XXXX XXXX, 2016, XXXX XXXX of Premium Asset Services , LLC called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. 

Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " JAG '' and have my wages garnished if I did n't pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 file # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX Last four of SSN:XXXX I have sent numerous letters and phone calls trying to remove 11 fraudulent inquiries from my account. This is my second dispute with Equifax this information on my report is not accurate and it is fraudulent. There have been an investigation done but did not provide me with any evidence that I approved my credit to be ran. These inaccuracies are hurting my credit profile and I want them removed. There credit inquiries I am disputing are : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My brother XXXX XXXX XXXX filed a bankruptcy and got a loan 2 years ago. and now i " XXXX XXXX XXXX '' is trying to get and build my own credit, but every time i try to apply i get denied because they always see my brothers history which is not mine. i wan na know how can i fix this.

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 08/21/2015 about Credit card () with Dynamic Recovery Solutions, LLC (CA).
Issue: Closing/Cancelling account

Complaint: This ( {$90000.00} ) XXXX XXXX XXXX Credit card ( ending in XXXX ) debt of more than ( 6+ ) years having no dialogue and or activity has been passed on over and over to numerous collection agencies and has now been passed onto the most recent collection company by the name DYNAMIC RECOVERY SOLUTIONS ( their account # XXXX ) located at XXXX, XXXX. XXXX ( XXXX ) XXXX. 

Conclusion : Because of the expiration of the statute of limitations to legally collect in XXXX ( 4 years ), I 'm asking Dynamic Recovery Solutions to remove this debt from my XXXX credit reporting agency and or other agencies and issue me documentation on my behalf that this time barred statue can not be legally collected any longer because of the non activity of over ( 6+ ) years and because of the expiration of the statue of limitations for the ability to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My origianal mortgage with XXXX / Three and a half years ago Social Sevurity stopped payments to the tune of {$10000.00} because they said I made too much money and that they had over paid me. As a result I was late in my mortgage payements to XXXX. I tried to modify the mortgage many times but my paperwork kept coming back as incomplete eventn though I was working with Mortgage Assisance from the XXXX Office of MA. Because of this I was forced to go into capter XXXX bankruptcy. Then my loan was sold to Selecto Portfolio Services of XXXX XXXX XXXX Utah I have been making payments to them and the Chapter XXXX trustee. A couple of weeks ago my lawyer called sayin that SPS claims that I owe them {$10000.00} and that I have not paid them since XXXX XXXX. They want to go to court to remove the protection and foreclose on my property if I do not comeup with $! XXXX dollars. I am about to send in my XXXX XXXX payment. I am very nervous that this payment and the other payments will not be credited to my account. 
I have gone over all of my bank statements for the past XXXX years and I have made every payment. So, I do not understand why my account is not being credited and why if there was some kind of a problem, why did SPS not tell me sooner. I have been reading so many complaints regarding the company that it makes me fearful of losing my property. I am a single senior and would really appreciate any help you can give me. My lawyer feets that mortgage companies are always right but from what I am reading I have serious doubts especially in the case of a company like SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am late on my payment but continue to pay as I can. I have requested many times not to call me on this phone as I use it for work. They call every hour every day except Sunday and it interfers with my work. I have requested they they email me or correspond by mail. They only send form letters. I pay what I can, and can not seem to catch up due to a tax situation I am in .... I will lose my job if this phone abuse continues. I have requested verbally many times to stop the calls..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: A month or so ago, I contacted Equifax to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/. I faxed them a statement, " PROOF '', from XXXX XXXX  that proves the account was " CLOSED '', and that XXXX XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to Equifax. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that Equifax had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a XXXX pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX XXXXXXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I booked a rental car to be picked up in XXXX, XXXX and return at XXXX, XXXX in XXXX 2015 through a website XXXX and pay with my Chase Ink Business Plus credit card. The rental fee I paid ( {$410.00} ) in advance included snow tire, one-way drop fee, etc. and other charges. At the time of pick-up, the clerk from rental car company, XXXX, requested I authorize a security charge on my Chase Ink card and assured me that it 's for security garantee purpose. Whe I returned the car in XXXX, I was directed to park the car at a underground parking garage with no human present and just lock and leave it there. My credit card was later charged an additional {$900.00}, and XXXX sent my a bill listing service charges that I either have already paid through XXXX or have never listed in the original service list. I filed a dispute with Chase on the duplicate service charges as well as un-listed service charges. My disput was denied by a Chase staff XXXX XXXX on the ground that " services were delivered ''. I called Chase to find out how I can appeal the decision and I was told the only way was to send a fax. I did send and appeal with all evidence of duplicate/unlisted charges. I stated that I was disputing duplicate and unlisted charges, not whether service delivered. The appeal was denied by the same person ( XXXX XXXX ) simly with the same reason " services were delivered ''. I don 't feel that Chase has really looked at my appeal, instead just sent it to the same person who just threw it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Using a debit or ATM card

Complaint: PayPal Debit card denies transactions on a regular basis in spite of there being a large balance in the account. These issues may only be resolved via telephone service where it is impossible to to reach a representative without a wait of 1 hour or more ( most mondays NOT AT ALL ). This substandard business practice is a disservice to Patrons and PayPal Debit Card employees alike.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Please see attached pdf copies of five ( 5 ) pending QWR requests sent earlier to JP Morgan Chase. 

These were sent XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX ( see attached ). 

JP Morgan Chase is required to make reasonable efforts to satisfy these QWR Requests, including retrieving the same from computers, backups, archives, phone records & transcripts. 

With respect to QWR items that are required by me, they have claim that they do not exist but have not made any effort to retrieve them. XXXX replies from JP Morgan Chase dated XXXX/XXXX/XXXX ( Case number : XXXX ) and XXXX/XXXX/XXXX ( Case number : XXXX ). 

I have n't requested for duplicate information via these 5 QWR requests. Yet JP Morgan Chase has partially satisfied some request without stating a full reason as to why other items were not sent to me or why these QWR items can not be retrieved from backups or recreated to satisfy these QWR requests. 

This amounts to concealing information contained in my loan file. 

I am entitled to receive complete information requested, because JP Morgan has committed an error on my loan and abused the TARP programs ( see Case number : XXXX ). 
Most importantly I require : a ) Complete Contact History b ) Complete Communications History. 
c ) Proof of ownership of my Mortgage Note d ) Complete Phone conversation transcripts/Notes See attached 5 QWR requests.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX reported false information about my account to Equifax Credit Bureau. It is a charged off debt that initially defaulted in XXXX. Therefore it should have fallen off my credit report already. XXXX reported an initial default of XXXX that is false it should have been in XXXX. XXXX credit Bureau has the proper information. I challenged the accuracy of the account in XXXX XXXX, and XXXX XXXX responded by stating that I was late 90 days and reporting a charge off. In XXXX XXXX XXXX XXXX XXXX reported that I paid or pays as agreed. In XXXX XXXX they reported another charge off. From XXXX of XXXX to XXXX of XXXX XXXX XXXX XXXX reported that I was making payments and or paid as agreed. That is inaccurate I have not paid any money to that company since before I could remember. I do not recall the last time I made a payment to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Debt collection (Mortgage debt) with The J. G. Wentworth Company (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a response to what is happening with my previous complaints about JG Wentworth. 
On XX/XX/XXXX after XXXX hr XXXX min on hold we finally got a JG Wentworth representative. We were told our Cap and Extend was denied and were pressured to do a regular loan modification. We told her we were in a Federal Disaster Area and were eligible for the Cap and Trade that they told us they would process in XXXX We asked for a manager. We were transferred to employee # XXXX and she also told us we were denied for the Cap and Extend, but eligible for a reg. mod. We told her no We were eligible for a cap and extend and were in a Federal Disaster Area. She told me that she had to tell us that. She then looked into my file and said that '' the system does not actually show a denial '' and called it XXXX XXXX going on here. Then, I also told her that there was a charge for an inspection on my bill, which XXXX XXXX was supposed to pay. She agreed and said it was not supposed to be there. She said she would take care of it. She took my regular payment for the month of XXXX ( confirmation # XXXX ) and that she was putting in our request for Cap and Extend again as a priority. A person from the refinance dept. was supposed to call me back in the next 24 hours. NO ONE HAS CONTACTED ME. They have sent me several online correspondence since XX/XX/XXXX that they are foreclosing on me, even though I made my XXXX payment like I was supposed to for the Cap and Extend. They are attempting to illegally steal my house and get my {$150000.00} in equity. This is overt FRAUD and misleading tactics. They are taking advantage of hundreds of thousands of people affected by natural disasters in FL, TX and CA by telling them they were denied for Cap and Extend even though they really did n't process it. In a regular loan modification, they can raise our interest rate and this is negatively affecting my credit score which was really high. They are not answering their calls or emails. The Federal Government needs to fine and prosecute XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (I do not know) with I.C. System, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had this account removed over 3 times within the last year. XXXX keeps selling this account to different collection agencies. Once one remove it they sell it to another company. This is not my bill and I will not be paying it. I know its against the law to keep putting this on my reports then changing the dates that this account was open. They are reporting that this account was opened XX/XX/2018 and never paid. I have has XXXX XXXX for years and it can be proved.

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 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I woke up this morning and had an alert from experian that XXXX had run my credit and placed an inquiry on my report today XX/XX/XXXX when in fact I never applied for a card. Please look into this and ask XXXX what the address was that was used. I did not ask XXXX to run my social. This is fraudulent.

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 07/17/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There are XXXX accounts that are listed on Equifax report ; neither of which belong to me. Also a child custody late reporting is on my report also ( I have never been late ). I have requested an investigation x XXXX with no information provided to confirm these accounts belong to me. I have provided documentation.

Company response to consumer: Closed with explanation