milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On 2 separate occasions I have advised Navient of my claim of identity theft. My credit report reflects student loans of appx $ 70k which were opened by my ex-wife without my knowledge or consent. I first provided the information to Navient directly in XX/XX/XXXX - which included an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number. I advised Navient that XXXX County PD has an 8 month backlog to produce the actual copy of the police report. Navient closed the investigation but not before forwarding the fraud account to XXXX XXXX XXXX for litigation. On appx XX/XX/XXXX I contacted XXXX and advised that this was a claim of Identity Theft and per their request, forwarded an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number - and again advised that there is an 8 month backlog to produce the police report. XXXX advised that they would investigate. On XX/XX/XXXX I received a call from Navient which my wife returned on XX/XX/XXXX. During this conversation we were advised that Navient would again close my claim of Identity Theft because there is no police report. This is despite the SIGNED and NOTARIZED statement from the perpetrator indicating that she opened the account without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My debt is from XXXX which is almost 17 years ago. I was told by both of the original debt collectors they would write off the XXXX dollars because I became ill and could not work due to my illness in the year of XXXX. Out of no where Midland Credit Management , INC . took money out of my checking account and threatened to keep it and sue me if I did not give them XXXX of dollars. I had to go to court and they gave me a card to call MCM. I called them immediately and explained my current my financial status that was in the area of poverty and if my money was not returned I was going to be homeless. I told them that I had not been contacted by them and they agreed to return my money only under the conditions that I I setup a payment plan with them to pay off thousands of dollars. I agreed to pay XXXX a month until it gets down and then they will make an offer to pay it off. Well, I been paying faithfully every month for 8 months. This past XXXX ( XXXX ) I got a letter that said I needed to set up a new payment plan. I called them and paid them XXXX and they never told me it was for a different collection they picked up on me in the year of XXXX during the same time of my illness. I went through a divorce due to my illness and he left me with all the bills. I am not a dishonest person I just did not have it and have not been able to recover from my illness is the reason for my low socioeconomic status. By this company not telling me there was a new bill I was paying on the bill got me behind a month so i tried to call and tell them what they did and they acted like they did not know what I was talking about. I gave them XXXX for both months. I called the other number to try and get to the bottom of this issue and they hung up on me several times and they gave me false numbers and I was only connected to the credit managers in XXXX. They would not connect me to an English speaking person and they were very rude and hateful to me. I tried to tell them that I did not know about the new bill and they said that they explained it to me and they did not! I do not know what to do I was XXXX at the time of these bills in the year of XXXX. Please help me to resolve this issue. I will be fair but I cant get any answers and I am afraid everyday they are going to steal my bill money again. I do n't know my rights but i do know that I feel violated and I am afraid of this company. I cant find a number that is in the US. Please HELP ME!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XX/XX/2016, I was notified that my rates would be changing as my IDR was expiring in XX/XX/XXXX ( even though I applied/was approved on XX/XX/2016. I figured I would take the time to reapply anyway as to be ahead of the curve and not have to deal with any issues last minute. I received notice from Navient on the XX/XX/2016, via email stating " Your IDR renewal has been approved. '' The email went on to say " We 'll send you notification advising you of your new payment amount after your current plan expires on XX/XX/2016. '' I have yet to receive any sort of email notifying me of such, and upon logging onto their website today for tax purposes have noticed starting next month I have a payment amount of $ XXXX/month which needless to say, I ca n't afford, hence, why I applied for the IDR. As far as I can tell, no actions have been taken on their behalf to uphold my renewal, and I am still in the original IDR that was put into effect on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Non-federal student loan) with ECMC Group, Inc. (AK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: i fell behind on my private student loan, but for XXXX yrs i was under an agreement to make {$260.00} a month payments. i recently completed this agreement, but was met with harassment and belittling comments from a manager at Premier Credit. Berating me because I can not afford to increase my monthly payments and was met with resistance to continue payments like i currently am. In XXXX 2013 they offered me a deal to settle my account for XXXX, but now they are telling me i 'm 16 months behind and our threatening to take more income that i do not have as i 'm a mother of XXXX and a full time student. i am more than willing to continue payments to bring my account to zero, but this company is not willing to work with someone on a limited budget and even insulted the fact that i was on a limited budget.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MS).
Issue: Application, originator, mortgage broker

Complaint: I applied for a home mortgage in 2008, with Wachovia Mortgage, who has since been bought out by Wells Fargo Mortgage. The interest rate is very high. I was never told that the loan was being processed as a home equity loan, and I saw no reason that it should have been, since this was the only loan on the home. I never told that it would be a home equity loan, nor did I ever receive any right of recission, as required by law. I am attaching all documentation I received from the loan processing and closing. I recently tried to refinance, and was told I could not do it. Reasons given was that the appraisal value of the home dropped, and the house did not qualify under the values required for home equity loan refinance. The name of the street where the property is located is also misspelled on the documents.

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 06-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Some OCwen home loan servicing has paid my taxes on my property and my name : XXXX XXXX XXXX has been removed. 

I have not taken steps to remove my name from official records. 

This is a fraud on my title. 

I

Company response to consumer: Closed
Consumer complaint received 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Judge Dismissed The Case Twice In XXXX and XXXX ... The Debt Collectors Harassed Me At My Employment And Credit Bureaus, Preventing Me From Applying For Apartments

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The allocation of my monthly loan payment & the amount that is applied to principal & interest are in question. I have yet to hear back from Navient on this yet.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid a XXXX card in full but there was accumulated interest that was not on my statement. I was not made aware of that until after I had a 30 day late put on my credit report. I paid the balance in full soon as I found out about it. I contacted XXXX but they would not correct the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I applied for and received a Bank of America  Travel Rewards c redit card. They claim that during the online application process I transferred a balance from another credit card at  XXXX . I DID NOT. Now I have a {$12000.00} balance at Bank of Americ a ( they  agreed to waive the transfer fee ) and a credit balance at  XXXX  of {$11000.0 0} ( they t ook out the {$1000.00} balance I had at the time ).  <P/> I can not get Bank of America to transfer the money back to  XXXX  and   XXXX   accounts are frozen due to a " fraud incident '' so I owe the balance because neither bank will work with me and in the meantime, I will be charged interest on {$12000.00} that I DID NOT transfer and do not have the cash to pay it off.  <P/> I am going to pay my balance with Bank of America but not the supposed " balance transfer ''.  <P/> Please tell me what I can do at this point to prevent the interest or put a lock on these accounts so that no further interest is charged until this has been resolved.  <P/> 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 monetary relief
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped XXXX points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called Equifax last month ( XX/XX/XXXX ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX Services number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the XXXX manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX XXXX XXXX XXXX to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.

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 11/24/2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to close on my parents estate. I paid off the mortgage when my step father passed away, while my mother was still alive. Now the bank PNC is telling me I have to pay off a line of credit that was open back in XXXX. This loan was through National City Bank in Ohio. The debt was wrote off as bad credit by this bank in XXXX. PNC purchased this bank in XXXX and now is trying to get fund already wrote off " as bad debt ''. I have no documentation that this money was ever spent by my parents, nor do I have anything from any of the banks that they ever tried to come after the funds. The bank also can not supply me with any documents stating they tried to get these funds and or any statements.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (I do not know) with The CBE Group, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The same company ( using multiple numbers ) keeps calling my house and immediately hanging up if someone answers. The calls happen multiple times a day ( as many as XXXX in XXXX day ), every day and sometimes early in the morning or late at night. This is not only a clear violation of the Fair Debt Collection Practices Act, but is also violating South Carolina state code on telephone harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has been telephonically contacting and mailing letters especially a letter that indicates regarding negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am XXXX, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I used to have good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: On the same day debits were presented for payment a deposit for double that amount was made ; but somehow TD Bank believes it is justified to charge my account XXXX on my business account and another {$270.00} on my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, XXXX my credit score went from XXXX to XXXX because XXXX XXXX submitted a late charge of {$12.00}. The card was closed on XXXX XXXX, XXXX with a {$0.00} balance. Almost 4 years later XXXX XXXX reflects on my credit report history indicating XXXX missed payments from XXXX XXXX to XXXX XXXX when the account was closed. I ensured that my balance was XXXX before closing the account. I never recieved any notice from XXXX XXXX that I had a {$12.00} balance. Attached you will find my Credit Report dated XXXX/XXXX/XXXX showing XXXX XXXX with a Balance of {$0.00} and the Pay Status as Current ; Paid or Paying as Agreed. I 've also included my most recent credit report showing XXXX missed payments from 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 08/13/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My Mortgage loan is serviced by Flagstar. When I fell behind I began working with XXXX and was also assigned a Single Point of Contact ( XXXX XXXX ) at Flagstar. I have several recordings with Flagstar trying to get in contact with my XXXX XXXX XXXX yet after numerous calls, request for a direct email, or a direct contact number I have been told that anyone in customer service could help with my loan. I had filled out Loan Modification Documents and mailed them back to the specified address yet the documents were never received. I would have Flagstar customer service then mail out new modification documents and remain them only to have the same outcome. Now I am facing foreclosure in 2 weeks and I speak with a customer service rep. that tells me I can simply upload my Modification documents thru my online loan account. I immediately go online to access my account in which I find I am LOCKED OUT OF! I call flagstar customer service and tell them the issue and have them reset my account. I upload the modification documents as well as my XXXX documents and Point of Contact with XXXX. With only 2 weeks away from foreclosure I just received a letter from Flagstar stating my NEW SINGLE POINT OF CONTACT WILL BE XXXX XXXX!!!!! With only XXXX weeks to foreclosure I am terrified I will not have enough time to finalize either my loan Modification or HomeSafe Approval.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After looking at my credit report I saw this company, IQ Data had reported a collection account on my file. Knowing each company is to be bonded, I searched the Texas Secretary of State 's website and saw that their bond expired about 2 years ago. I wrote to them stating they are not operating their business legally and to cease collection as well as remove the item from my report. Despite me pointing this out to them they responded with a bill and has still yet to get a bond to try and collect the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: This is a continuation of a previous issue with Citibank that has reached another XXXX. Citibank increased my monthly payments XXXX and I have been unable to reach an agreement with them about my monthly payment. I am requesting that Citibank reconsider my request for graduated repayment, so that I am not forced into Collections. I would like to pursue a payment plan that works with my current financial situation and allows me be responsible for my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I disputed XXXX XXXX several times for incorrect information. On XXXX/XXXX/XXXX I filed a complaint with CFPB and on XXXX/XXXX/XXXX I received an email from CFPB with the result of Equifax investigation saying that as of XXXX/XXXX/XXXX XXXX shall be removed from my credit file. As of today it still remains on my credit file with all the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2011. I have always made my payments on time when I received my statements. I am not sure how this happened. My only thought is that there was a billing error with my statement.

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 03/26/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling upwards of XXXX times a day, often with repeated phone calls occurring within minutes of each other. They are also switching phone numbers every few days, making it very difficult to get them to stop calling. 

In addition this company, despite having called in excess of XXXX times, has never left a single voice mail message. 

Finally, based on the calling pattern and lack of messages, it appears that the company is improperly using automatic dialers ( ie, robo dialing ), which we have never given consent to, putting them in violation of the the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation