milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX, I spoke with General Revenue Corporation. I was willing to get into a payment arrangement to start paying off my loans. As per them, they told me that I needed to make a payment to them to pull my loans out of default and that i needed to consolidate my 2 student loans. I told her that i did not want to consolidate them, and that i just wanted to make a payment arrangement with them to start paying them off. That is when i was told that payment arrangements were not available to me because i was in default, and i had to make the 1 time payment first. Then she told me that my account was ready to be transferred and as soon as i made the payment and consolidated my loans, that they were handing my loan debt off to a new company. On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX stating that General Revenue Corporation is requesting a wage garnish on my loans.

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 10-08-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been working on my credit report for the past two years, I came close to completing the task in XXXX of XXXX. I state that I came close because shortly after that XXXX XXXX XXXX decided to insert a collection account into my credit report. I did n't receive any documents regarding the debt beforehand and was caught completely off-guard. I called the company and was told that I owed a debt to XXXX XXXX XXXX XXXX. In an effort to check into the matter, I visited the hospital and requested any information pertaining to the alleged debt. There was no debt to be found, the original debt was incurred in XXXX and had already been paid by my insurance provider. At one point in the multitude of times that I have tried to plead my case with XXXX XXXX XXXX XXXX the account was removed from all of my credit reports. Months later, they decided to re-insert the collections account onto all but XXXX of my credit reports. It appears that this company plays by their own rules and figured that I would n't notice what had transpired ... as if they could simply attach that same account to my report again in hopes that I would pay without questioning their allegations. I have never retained services from these people, I have no contract with these people, and do not have in my possession any documents showing that XXXX XXXX XXXX XXXX XXXX XXXX XXXX have rendered any services to me that require payment. Prior to filing my dispute, neither my husband or I received any information regarding this account that would have allowed us to satisfy the alleged debt before reaching the point of reporting. I feel that my rights have been violated and plan to fight this injustice until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Private student loan) with LendKey Technologies, Inc. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: See below the email I sent Lend Key who is now servicing my loan from  XXXX , which was a loan I took to study at  XXXX    XXXX   in  XXXX , Massachusetts.  <P/> " Hello, I am writing this email as I am now aware that Lend Key is the new servciver of my  XXXX  loan.  <P/> I have made on-time consecutive payments with  XXXX  since  XXXX .  <P/> Unfortunately, with the transfer of the loan to Lend Key, my   XX/XX/XXXX   payment of {$170.00} was not made therefore putting my account in a delinquent status.  <P/> I have made the full payment of {$170.00} as of   XX/XX/XXXX  , and have set my account up for automatic electronic withdrawals.  <P/> I would like for you to PLEASE consider removing the delinquent status from my account as it is severely affecting my credit history.  <P/> I understand that you made  three  attempts via email since  XXXX , and multiple phone calls, but unfortunately I did not receive the emails and perceived the phone calls to be " scam '' or " telemarketing '' phone calls.  <P/> Like I said, I have since made payment to rectify the problem and am sincerely hoping that you will look at this case as an exception to the " rule '' in place, as I do not feel at fault for this delinquent status.  <P/> I have made things on my end correct, and am begging you to do so as well.  <P/>  Student Loan Debt  is a serious problem and can cause serious trauma in a person 's life, so please consider this case seriously to remove the delinquent status from my account.  <P/> Thank you for your time and consideration. "

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was called by IQ Data International In in XXXX WA on my cell phone in XX/XX/XXXX. I was told I owed {$74.00} for some debt from an apartment I had rented and vacated in XX/XX/XXXX. I asked why it was so late in the game I was being notified. I was only told the debt went to collection. I have never received any kind of notice in writing nor anything to show what I am being charged for. I had emails from the rental property after I left to confirm they received my keys in the drop box, and nothing more was said about owing any additional money. In fact I paid additional rent for 3 months because I did not renew or extend my lease. Now during the same month this debt was put on my credit record and will potentially harm my employment and security clearance. When I spoke to these people they mentioned a carpet cleaning which I then informed them I had paid to have it done when I moved in, and when I left, 3 people who helped me move witnessed the condition of the apartment and carpet which did not need cleaning. Also the management never informed me of any cleaning charges which normally are incurred when there is damage, etc. which there was none. I am very upset that there was NO written notice, NO advance notice, nor ANY written description and or bills, statements of charges the collection company is seeking almost a year after I have left the state and the area. I do not pay debts to unknown parties over the phone. This company took the liberty to state I owed money without anything in writing then slapped it on my credit report without any response or opportunity on my part to dispute or know just what I 'm being charged for with sufficient documentation and evidence.

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

Complaint: Equifax recently announced a massive data breach. I have used the website they set up to confirm my information was compromised. They have not provided me written notification that my information was compromised, and have not provided details on exactly what information of mine was compromised. 

By failing to personally notify my of which data of mine they compromised they are placing the investigative burden on me. They are making me responsible for finding out if they compromised my information. 

Once I determined that some of my information had been compromised ( but not details of which information ), the only recourse they offer is one year of " free '' credit monitoring by their service. They are leveraging the problem they created to benefit their business. While they may not have created the situation, it has the appearance of a shakedown scheme. 

The risks Equifax has exposed me to are serious. Their response has been anything but. They have failed to provide adequate notification to those they placed at risk and failed to assume responsibility for placing them at risk. I consider this especially egregious since I do not have a consumer relationship of any sort with Equifax ; they store my information for the benefit of themselves and their customers, yet it is me currently facing the risks of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have received multiple letters in the mail over the last several years for a debt that was discharged in bankruptcy in XXXX. I believe I received a letter in XXXX, XXXX, and again, today. After each letter, I called the collection agency to advise the debt was discharged in bankruptcy, and even offered to provide a copy of the signed entry of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BB&T CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX XXXX in XXXX Georgia Regional Acceptance Corporation XXXX XXXX GA XXXX : Acct # XXXX ( original creditor ) Re : Acct # XXXX ( collection agency ) Make of car : XXXX XXXX XXXX : XXXX XXXX # XXXX To Whom It May Concern : I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by Regional Acceptance Corporation in the State of Georgia on or about, XXXX/XXXX/XXXX, and reposed and brought to XXXX XXXX. When I called to speak to a representative at XXXX XXXX I was told that I had to provide information and the lender which is Regional Acceptance will provide me with that information. I then call back and was given the VIN number to use to find where the car was repossed. I then called back to the company provided information and was told their hours are until XXXX XXXX. Tuesday I called spoke to a rep and was told that the fee is based on the lender this was from XXXX XXXX. Called spoke to XXXX and was told to call her back to discuss the information about the car she is the supervisor over my account. When I called back to get the total amount due because I had to take a loan I was told that because the company was closed Saturday and Sunday they would not charge. However Monday XXXX/XXXX/XXXX the car is still at XXXX XXXX and now they require XXXX dollars and they close at XXXX XXXX and the car was not released until XXXX XXXX. 

Sincerely, 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 11-10-2017 about Debt collection (I do not know) with SUNTRUST BANKS, INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: SunTrust Mortgage keeps using a robo call system to try and collect a debt for a person I do not know and they do not live at my address, I have called them, I have mailed a certified letter, copy of letter attached along with return receipt, and they are still calling with there robo system several times a day and will not stop.

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 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2012, I moved from an apartment where I had FIOS Triple Play service to a home I purchased. I asked the XXXX representative before I moved would I be able to continue the triple play option at the new address and the representative said, Yes. However, when the technical attempted to install the service, cable services were not available. The internet and telephone services were available. Since I was interested in the triple play option, I called XXXX and notified them that I was cancelling the service. The representative instructed me on how to return the equipment and I received the mailing label to return the equipment and I returned the equipment as per the representative 's advice. In the meantime, I went with a competitor and was able to receive cable services and I thought nothing of the XXXX account until I was contacted and I was informed that I owed {$390.00}. in telephone services. I let the caller know that I did not have the service and I returned XXXX 's equipment and I canceled the service. Speaking with the collection agent was like " talking to a brick wall ''. They assumed that I was lying and I let them know that I was not paying for a service I did not have. In the interim, this charge is on my credit report and therefore damaging my credit score. 

The address I moved from ( XXXX 2012 ) - XXXX XXXX XXXX XXXX, XXXX DE The new address I moved to ( XXXX 2012 ) XXXX XXXX XXXX, XXXX, DE If an investigation is conducted, it is fairly easy to find out whether or not the services were available during this period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MI).
Issue: Deposits and withdrawals

Complaint: Hello, On XX/XX/XXXX my bank account posted a {$60.00} charge from " Paypal credit ''. We contacted our local bank who told us we had to contact Paypal credit to dispute the transaction. We contacted Paypal credit, who recognized that there had been no activity on our account since XX/XX/XXXX but they refused to acknowledge that the charge may be fraudulent. The summation of our dealing with Paypal credit customer service, was them saying that there was nothing they could do and advised us to " keep better [ financial ] records ''. This is absolutely unacceptable that a business based in banking and credit is able to simply wash their hands of potential fraudulent behavior on their end and treat customers in this manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As of   XXXX      XXXX  has sent the attached updated information to Equifax. This information was given to Equifax several times by myself and  XXXX  to update my account. And   XXXX   XXXX   XXXX   is still showing as well as unverfied inquiries as originally reported. As of today, Equifax has not done so along with the other complaints I have filed. A lawsuit will be appropriate according to my attorney for Equifax 's negligance on updating and removing wrong inaccurate information from an consumer 's report causing a negative impact on there credit worthiness and score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my 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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: MY HOME DEPOT CC # XXXX LAST TIME WE CHECKED OUR LIMIT IS NOT {$2000.00} > SHOULD BE {$10000.00}.

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 05/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (UT).
Issue: Deposits and withdrawals

Complaint: I took a check from my XXXX XXXX XXXX account to Wells Fargo to deposit. The teller and branch manager told me a hold would be placed on the check and I told them a hold was not necessary as this was a XXXX check. They insisted so I told them to give me the check back and not run the deposit. I took the check to my other bank and deposited it, without a hold, and opened an IRA account there and deposited the check. 4 hours later I got a phone call from the Wells Fargo branch telling me that the deposit went through their system and the funds were pulled from XXXX by Wells Fargo. I spoke to the XXXX XXXX and she kept repeating that she would " release the hold '' as soon as the funds were received from XXXX. I canceled the deposit, took possession of the check, opened an account at a different and deposited the check there. Wells Fargo should never had finalized that deposit and pulled those funds from 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 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian continues to report inaccurate information on my XXXX XXXX account XXXX. 1. This is a charged of account from XX/XX/2008 it should no longer be being reported. 2. I requested you verify the information, and Experian has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4. Experian is the only cra that is reporting this invalid account. Account has been removed from XXXX and XXXX. Experian needs to remove account from my report immediately or I will seek legal action. You can not continue to report an account that is past the statute of limitations to be reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My credit card just renewed, XXXX XXXX. The old card was on file with the XXXX XXXX XXXX. The new card was charged by the XXXX for a subscription I did not want. I checked my XXXX account and found they had an updated credit card info, i.e. new expiration date. I never gave them that info. The only other source is the card issuer, Bank of America. At the very least I should have been notified of this. I would like all future charges from XXXX stopped. The original charge back inXX/XX/XXXXwas an error. I called XXXX and was told it could not be canceled because of an automatic system. I decided to not pursue the matter it was only {$28.00}. Now the charge was made again with the new card.

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 05-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Portfolio Recovery Associates bought a debt from XXXX XXXX XXXX. They have called my work number and stated that a person was at my home and I had better have a payment for them or they were going to garnish my wages. They continue calling all of my telephones, which is a {$1500.00} fine per call in the State of Florida. They are also trying to collect on credit card debt that is over 5 years old. I 'm about to contact an attorney to stop their harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I try to have this matter taken of thru XXXX but they say the matter is done thru them. This is about a debt that was made without my knowledge by someone I used to know. Brought a cell phone from XXXX back on XX/XX/XXXX for {$440.00}. She told me back in XX/XX/XXXX what she did, she put down {$150.00} to get the phone in my name which I wasn't aware of. Upon a collection agency trying to collect money from me which started back in XX/XX/XXXX. Said I owned them {$690.00}. XXXX   XXXX which is a collection agency has destroyed my credit and has been calling me all the time. Which I have told them to stop but they haven't. The date and year and amount are all wrong from what the person who did this, showed me a purchase bill last year. She got the phone on XX/XX/XXXX, for {$440.00} and put down {$150.00}. This is not my debt.

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 10/28/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (GA).
Issue: Settlement process and costs

Complaint: Mortgage with GMAC XX/XX/XXXX maturity date XX/XX/XXXXXXXXXXXX @ month, never refinanced or modified. Sold to ocwen XX/XX/XXXX and ocwen nchanged the maturity date to XXXX, also was showing XXXX different bals on the statements, pretaning to principal and interest, requested the original note three times and received other material.breaking the law? I have all documents.they said it was a mistake, but never corrected it. Had to withdraw savings, and pay it off.never received the original

Company response to consumer: Closed
Consumer complaint received 09/20/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (AZ).
Issue: Making/receiving payments, sending money

Complaint: Synchrony XXXX has been charging me a " late fee '' of {$35.00} per month since at least XX/XX/2014. I was told by Amazon customer service that the " late fee '' is assessed because I pay to early. My due date for payment is in the last week of the month but I pay in the first week of the month. This does not make sense to mme and I want my monies back to included interest.

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