milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Student loan (Federal student loan servicing) with Social Finance, Inc. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The CFPB has taken action against numerous banks and debt collection companies for collectors using the talkoff that making a past due payment will improve the debtor 's credit score when, as the Bureau alleges, banks and debt collectors do not know what drives the score and therefore it is a deceptive practice to use credit scores in the talkoff. 

Today, XX/X/2017, SoFi advertised student loan refinancing options by stating that those who refinance saw their scores improve by 17 points. How is that not also deceptive? If banks can not use it for debtors who contractually owe them money, then SoFi should not be allowed to deceive consumers either!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Federal student loan debt) with GC Services Limited Partnership (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter from GC Services Limited Partnership about student loan debt I owed. I called them the week before XXXX, XX/XX/2017. I provided my financial information over the phone to them to get me qualified for a rehabilitation program. I was provided a payment amount and made my first payment that day. I waited for the paperwork to come, signed it and sent it back. A few weeks later I was called and told that I owed a much higher payment amount and needed to make that. So I agreed, made that payment, waited for paper work, signed it and returned. This continued on every month since. I get a phone call advising my payment is again much higher than previously stated, no one can give me a reason why and I just have to make the payment or I will have my wages garnished. I've tried working them for over 3 months now to get this plan started so I can improve my credit and get this behind me but they continue to have problems on their end that I end up suffering for. No one will give me any credit for the already {$800.00} I've paid them. The program works so you make a monthly payment for 9 consecutive months and then you're student loan debt is put back in good standing and you can apply with a different servicer to lower your payment. So after 3 months and {$800.00} they refuse to give me credit for those payments at no fault of my own, which they even admitted on the phone!!!! I can't deal with this company. They should not be in the debt collection business and I feel like I was just scammed from them. Can someone please contact me to help get this company out of business so this does not continue to other borrowers who just want to improve their credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In its last response Experian refused to adhere to FCRA requirements by failing to comply with my request for removal of 7 unauthorized inquiries. Again, I am requesting removal of all unauthorized inquiries from my credit report. 

Attached is a copy of the credit report evidencing 7 unauthorized inquiries of which I am demanding removal. The unauthorized inquiries are : XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/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 explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Capital One needs to be fined! They absolutely refuse to help with the payment of XXXX accounts that are past due. They will not lower the interest or the payment amount!!!! I thought this was mandated by the federal govt????????? And they keep giving {$35.00} a month late fees, make them stop that!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with Fradkin & Weber PA (MD).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Attempting to garnish my wages for double the original debt even though they recovered the atv that I had the loan on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Today XXXX/XXXX/17 I was informed there was a major breach of my personal information being stored by Equifax. It was shared without my permission in a database that was not sufficiently secure. I was directed to log into a site setup by Equifax which prompted me for even more information then what is traditionally requested when verifying a person. They asked for 6 digits of my social security number vs. the standard 4 and my last name. I could n't believe I had to transmit this information again and trust that the connection was actually secure this time around. Regardless I went through the process and found that all of my data was in fact stolen. I feel violated that they lost all of my PII, and have heard horror stories of how difficult it is to reclaim your identity once it has been stolen. The risks that were taken are completely unacceptable at their level and something needs to be done to ensure this never happens again. Additionally they have known about this problem for months and just sat on it. With 143 million potential victims we should have been aware of this problem a lot sooner. I am very disappointed as this is supposed be one of the institutions we can trust this level of data with and clearly we have been betrayed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received any letters from the Trident Asset Management agency yet I noticed a collection account on my credit report as of XXXX XXXX 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account is being reported on credit report, and the debt is passed 7 years old which is past the statue of limitations. Debt is no longer allowed to be on credit 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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the bureaus are several locations about accounts that were supporting to the credit bureau on my behalf these accounts or allegedly not mine I have no knowledge of these accounts and most of these accounts were settled in my divorce when I divorced my wife five years ago I would like to have a cow still be removed from my credit file and my credit file update to show accurate and correct information the accounts or Louisiana Child Support, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX 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 explanation
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: diversified consultants a collection company, placed a XXXX XXXX XXXX collection in the amount of {$3700.00} to all 3 credit bureaus that does not belong to me. this collection was removed previously by all 3 credit bureaus when diversified consultants did not have proof that this collection was mine. 

on XXXX, XXXX 2018 they placed the same collection back on all 3 credit bureaus, damaging my credit. this illegal collection needs to be removed immiedatly from all my credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have asked NAVIENT via the required forms to release my father as a cosigner. NAVIENT insists that they never receive my US Postal mail, even though I have certified it and have proof that they have indeed received it. This game has gone for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.

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 04/28/2016 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (DE).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received notice on my job about a wage garnishment. However, I was not notified of a court hearing. This debt is on a credit card which I have not made any payments for over 10 years which far exceed the statue limitation on a debt in the state of Delaware. I have lived at my present address for over 8 years. I was not contacted over this time period. Nor did I make any payments. I was not notified where to send money. I do not remember having an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I currently have mobile service with XXXX and generally pay my bill through my checking account. On XXXX/XXXX/2017 I attempted to pay my bill using a new checking account open in XXXX was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data XXXX. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: After speaking with PennyMac mortgage, the representative failed to close out of my account and inadvertently set up auto bill pay to my mortgage. The error was only recognized when I a received a letter stating I had set up bill pay. By that time, the other customer 's payment had posted to my account. The payment was reversed but the following month the company determined my bank account had been closed so I was sent to collections. Nothing about my bank account had changed. The error must have been made when linking my original checking back to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with XXXX, Equifax and XXXX, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (HI).
Issue: Billing disputes

Complaint: I requested Capitol One to credit my account for XXXX dollars. I disputed acharge for a transaction submitted from XXXX XXXX XXXX on XXXX/XXXX/15. I didnot authorize this transaction. I demanded a copy of a receipt from DirectTax signed by me. Capitol One refused to provide it. I am seeking a fullcredit of XXXX. My card number is XXXX visa XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A few months ago, I called American Express regarding my XXXX XXXX credit card. I asked if there was any way they could process a goodwill removal of a delinquent payment reported for this account from XXXX. The customer service representative asked me what my reasoning was, and I explained that I had been in a long process of moving from XXXX to XXXX at the time and my mail kept getting lost. I also explained that if she looked at my other card with XXXX, she would see that I never paid late on it. She agreed and said that because I never received my statements, she simply had to order it again and the late payment report should fall off my credit report in about 8 days. It has been quite a while past 8 days and it is still showing on my credit report. I received the reprinted statement in the mail shortly after the call so I know that she truly did order the statement. 

Additionally, I received an offer from XXXX to open a Platinum card. I honestly believed it was another upgrade to my XXXX XXXX card ( also called " Platinum '' ) because both cards ended in XXXX at the time. That was so confusing, but I called customer service a few times to clarify and they were so helpful. Ultimately, I closed the account after being assured by the Platinum customer service representative that the account will not appear on my credit report since I never activated it and never paid the annual fee. Lo and behold, it is showing as a closed account on my credit report as of this date. 

So my request is basically to please clarify both of these situations. I am 100 % confident that if you listen to all of these calls, you would agree with me that I have the right to believe that my report was supposed to be cleared of a late payment and a never activated account. If they were wrong to tell me what they told me, then American Express needs to train their customer service department better to ensure that no miscommunication and false hope is given to any card member. This is by far my favorite credit card company, and I felt even more fond of the company after believing that they actually cared about my concerns regarding my credit report, but if I was wrong to think that they would live up to what they told me, then maybe I 'm also entirely wrong about the company. I 'm begging you, please help me! This has been so disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On X/X/2017, in the course of debt collection activities related to my account, XXXX XXXX XXXX XXXX XXXX ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified XXXX XXXX XXXX as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Student loan (Private student loan) with SLM CORPORATION (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: On XX/XX/XXXX, I received an email from Sallie Mae stating that my billing statement was available online. I clicked the link in the email to view my billing statement. The page that opened said " Bad Request. '' I tried again on XX/XX/XXXX and XX/XX/XXXX, with the same result. I can not access billing statements by logging into my account at www.salliemae.com. The only way to access billing statements and other correspondence with Sallie Mae is through the link in the email. With other lenders or servicers, I can access billing statements and other correspondence by logging into my account at their website, but the same is not true with Sallie Mae. It 's very frustrating.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Application, originator, mortgage broker

Complaint: In XXXX I bought a new house worth {$280000.00} and I did my closing for the house in XXXX XXXX. I had to wait more than a months all because the broker that seller introduce me to and seller where not communicating. My complaint is that I am in the military and i XXXX a lot but my XXXX was to be a tax free until I found out I am owing amount of {$2800.00} for my XXXX tax return. Because of none available fund to cover this payment, the broker told me to found way for the money and he will pay me back half of the money to me after closing. So I had to borrowed from a friend in other to get the house. To make it short since I closed the house, I tried many times to get the money the broker promise me but a lied. Last time we talked in XXXX, he told me he paid the money to wrong bank account instead of mine. XXXX XXXX was last time I talked to him about the money but he keep giving me excuses, so I had to stop contacting him when I figured out it was a fraud the broker and seller had planned for me just to buy the house. I had to make this complain because twice I thought of filing bankruptcy since I bought the house and that I do not want this to happen to anyone else. People like this were involved in housing collapse in XXXX. My situation is more than this but I will really need to explain more. This man needs to be stop since his running around working from one lender to another. To let you know, I will be making complaint to the FBI and HUD. I want this man be investigate and everyone that was involved for that process. I have there names and contact information which will be helpful to share if I get reply back. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Medical debt) with Receivable Management Group, Inc. (GA) (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is an attempt to collect on a medical bill that was and/or should be paid by the State Of Arizona. The medical care was contracted under an industrial injury. The injury occurred XXXX2016. The State of Arizona has an claim # XXXX for payment of this service. 

I have told the practitioner who to contact and how to be paid. I believe the state has already made payment and the practitioner is attempting to double bill.

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 explanation