milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In  XXXX   XXXX  my wages were garnished by  XXXX   XXXX   XXXX  on a student loan that is with Navient formerly  XXXX   XXXX . I verified my address but never received any paperwork regarding a court date for wage garnishment nor even a phone call.  <P/> In  XXXX   XXXX  I contacted Navient and they stated that I did qualify for income sensitive payments But I needed to get the loans out of garnishment. So I contacted the  XXXX   XXXX   XXXX  and was told that paperwork would be mailed to me to fill out so that I can get the loan taken out of garnishment. The paperwork never came in the mail as requested and promised.  <P/>  XXXX / XXXX / XXXX  Contacted Navient re getting loan taken out of garnishment and was transferred to  XXXX   XXXX   XXXX  who stated that they are garnishing my checks 15 % of each check. I was offered to pay the balance in full, 85 % of balance owed or  if I had 2 referenced I could go into a repayment program. When I stated that I do not have 2 persona l referenced they stated that I either pay the balance in full or the 85 %. Currently they are taking 30 % of my income a month. As a single parent I can not afford to live. If I work extra hours they take more money.  <P/>  XXXX / XXXX / XXXX  When I called  Navient  back, they took a complaint and stated that they would not notify me of the outcome but I could call the  m back in 7-10 days to find out what was going on with the complaint.
<P/>
I qualify for income sensitive repayment as well as the   XXXX   XXXX   forgiveness program but can not even get the help I need to get into these programs. And everytime I contact   anyone I keep getting transferred to another agency or department.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Other debt) with First Credit Services Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted this company after I noticed that there was a collection from them on behalf of " XXXX XXXX XXXX ''. I advised them that I had no business with that company and have never stepped foot there. Furthermore I advised them to forward any documents, contracts or agreements to prove the debt. A substantial amount of time has passed since then and the only update has been a note on my credit report. I have not received any correspondence regarding this debt as far as ownership and confirmed my address and contact information with them. This is a predatory practice that has had a financial on me and needs to be corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with U.S. BANCORP (OH).
Issue: Unsolicited issuance of credit card

Complaint: US Bank ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) opened up a credit card without my consent. 
I have contacted the Bank and they have submitted a request to the Credit Bureau to remove my inquiry. I need the bank to take action as soon as possible on this issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My complaint is actually dealing with my credit score. I have been rebuilding my credit score for almost 9 months now with the assistance of a credit card I was able to get through my bank.My credit has improved by almost 80+pts since XX/XX/2017. That is the only account I have opened in the last 2yrs or so.However, this latest credit change dropped my score 61pts but I am not sure why it happened.All recent credit changes were "good" according to credit karma but nearly all the points I have earned have been taken from me just like that.I really do believe there has been some type of error but I am not sure of what. And my derogatory marks have decreased by 1. Any help into this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an account that is unknown that is a mistake listed on my personal credit file. I need help I tried fighting this with no outcome

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2016 about Debt collection (Medical) with I.C. System, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was alerted to a medical collection on my credit report under the name of XXXX XXXX on XXXX XXXX while attempting to secure a mortgage. The account number listed is XXXX. On the afternoon of XXXX XXXX, I contacted I.C Systems via phone ( at XXXX ). When I got someone on the phone ( a woman who refused to repeat her name after it was given once, quickly, or collector identification ) I asked for information for who the original debt was issued by ; my credit report references a medical provider in Pennsylvania, but the name of the doctor / practice is not showing on the reports. I advised the woman I had an account number - she stated that they were unable to provide any information to me on the original debt at that time. She did not take down the account number, but read back my phone number to me from caller ID and advised my number was not appearing in their system. I again asked for validation of debt and I was told it was n't available. To date, I have not received any written communication from I.C. Systems or any medical services provider concerning a debt in the amount of {$89.00}.

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 11/13/2015 about Credit reporting () with Credit Karma, Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: the address from California is that of the person who stole my identity 10 years ago.

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 07/22/2016 about Consumer Loan (Installment loan) with Critical Resolution Mediation LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I took out a loan from XXXX XXXX last year, and a few weeks ago a company by the name of Critical Resolution started calling me and my job every single day harassing me at my job. I have enough going on without someone calling me at work. I was not able to pay thins loan off so I have got it consolidated and I have told this company that and recomomended they stop calling me. They are telling me that they are going to garnish my wages if I do n't pay immediately. Over {$300.00} I have borrowed. Now they are saying I owe {$800.00}. I told them to send me to whomever they needed to.

Company response to consumer: Closed
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Experian however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Experian and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Experian and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2016 about Consumer Loan (Installment loan) with CHECK INTO CASH INC. (MI).
Issue: Taking out the loan or lease

Complaint: I went into the store to ask for a payment plan and XXXX said that If I entered into XXXX or more payment plans that she would not re-loan to me again. So I was forced to find another place to do business. She is very rude and made me feel like I was a piece of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: THIS COMPLAINT FOCUS ON DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see attached files

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avant Credit Corporation (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a letter from Avant that indicated throughout that I was pre-approved for a loan.There was no indication that their application would require a hard request on my credit or that it would make a difference if there was. They made that request and denied my application. If I can not get that loan based on the information I was given, I want that request removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Trouble during payment process

Complaint: SEE CFPB COMPLAINT :  XXXX . Once again, Bank of America,  XXXX ,  XXXX , etc are contriving false information. They ignore the real complaint filed and are attempting to reply to another property while ignoring MANDATORY responses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I completed an on-line complaint ( XXXX ) on XX/XX/XXXX regarding harassing calls from XXXX. Starting XXXX, it appears that the company is using another phone number to continue the harassment. The new phone number being used is XXXX. The only identification is " cellular call ''. I have " Googled '' both numbers and other individuals say that they also, have been harassed by both telephone numbers and that Midland Credit Management is the caller. The calls occur on a daily basis, sometimes multiple calls a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Credit reporting () with CORELOGIC INC (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This complaint is filed against CoreLogic SafeRent, who has produced an inaccurate report that includes landlord-tenant cases filed by XXXX from XXXX XXXX through XXXX XXXX. Specifically, CoreLogic SafeRent is inaccurately reporting the court cases as " case filed and the claim amount '' when in fact all of the cases were dismissed because payment had been made. CoreLogic SafeRent is required by the Fair Credit Reporting Act to report accurate information. CoreLogic is violating the federal Fair Credit Reporting Act ( " FCRA '' ) by systematically and illegally reporting court cases that have been dismissed. Because of CoreLogic 's inaccurate reports, I have been denied housing since XXXX and have been forced to live with family members. I have been employed with the federal government for 25 years, have a good salary, no open collections or late payments and a good credit score. However, none of these factors mattered when I applied for housing on XXXX XXXX, XXXX. The Management Company informed me that my credit score would warrant an approval, but they had to accept the decision not to approve based on the information that was received from CoreLogic SafeRent. For the sixth time, I have been denied housing based on the inaccurate court cases that CoreLogic reported. The inaccurate reports are misleading as it only shows the court cases as " case filed and claim amount '' which implies that the case is still open and the claim amount is still due. This is not correct and I suffered tremendously because of the inaccurate information. Had CoreLogic checked the court records, it would have realized that these cases were dismissed and there are no outstanding balances or money owed. I have faxed three disputes which have been ignored and no one has responded. Nor do this company answer the phone. I have not been able to get this resolved.

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 07/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with GOLDMAN SACHS BANK USA (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I got a loan with Goldman Sachs for XXXX. The percentage agree upon was XXXX. But they are taking right at XXXX dollars for ever XXXX XXXX XXXX towards interest. That 's 25 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: please find attached the FTC and the dispute letter, for which i have been sending to XXXX credit agencies for many times and they have not been able to resolve this issue, i am a victim if ID theft and have the police report attached to mu documents. 
XXXX accounts are not authorized and need to be removed from my records ( attached dispute letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On purchasing online through the Costco website there are multiple advertisements touting the benefits and extended warranty when purchasing using the Citi card. There are multiple enticements to apply immediately and no mention of not being able to utilize the card after being immediately approved. When I called in and spoke to XXXX I am told I will have to go to Costco to use my approval. When I asked for a solution to my problem of purchasing and completing the application online and not XXXX 's fictional issue of me being in the store she had none. I demanded she immediately close the account, which she refused. I was not able to use any of the benefits during the checkout process with nothing addressing this in the terms and conditions.

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 12/26/2017 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: Account information incorrect

Complaint: I have a account from XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX That is still showing on my report that should already be deleted. My address is XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ALL THESE ADDRESSES ARE NOT ACCURATE PLEASE DELETE. 
I have a unverified public record that needs to be removed OHIO XXXX XXXX DOCKET # XXXX it is not to my knowledge listed properly please delete error. Then there is this account XXXX XXXX XXXX XXXX # XXXX I do not recognize this company never had a contract for business and never heard of them please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX mortgage ( account number XXXX ) closed XX/XX/XXXX I have been paying XXXX with my monthly payments but as of XX/XX/XXXX or earlier my XXXX ratio became was less than XXXX %. XXXXs letter of XX/XX/XXXX states when this principal balances wa reached, they would not longer collect XXXX. On numerous occasions in XX/XX/XXXX I spoke with their customer support staff. They would not stop the XXXX collection. I have received a XX/XX/XXXX escrow analysis that appears to indicate that the XXXX will not be billed. But there is not definitive wording to that effect..

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03/25/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Customer service / Customer relations

Complaint: In XX/XX/2016 I received a notice of an on-line payment of over $ XXXX to my credit card from BOA from an account at XXXX . I do n't have an account at XXXX. I contacted BOA to let them know that it was not my payment. This was the start of the nightmare. I have attached a timeline of what happened after that. But, money kept coming in and I kept telling the bank it was not from me. Then at some point BOA decided I had too high of a credit balance and sent money back to XXXX to a different account from where it originated. I have spent maybe close to 60 hours on the phone with BOA over the four months to get no resolution. I get transferred from department to department. Even supervisors are not able to resolve it and now apparently there is some mystery department called the " Middle Office '' ( Payment Research ) but customers are not allowed to talk to them and I am yet to get this resolved. Now BOA says I owe them {$6100.00} but I owe them nothing. They allowed money to come in and sent money back out and they created ( or the fraud did ) this balance. I owe them nothing. I have an excellent credit history. I am so exasperated and now my credit is at risk because BOA staff is not skilled or authorized to resolve this issue. I think it is very unfair that I am going to have to hire an attorney to defend me for something I did n't do and given that BOA is the black hole the hiring of an attorney could be a significant expense. I would appreciate any assistance in making my way through this morass. You can contact me at this e mail address to obtain more information related to my credit card account. I am attaching a timeline to give you an idea of what I have been through to date.

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 10-10-2016 about Mortgage (Conventional fixed mortgage) with RIGHT START MORTGAGE, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Mortgage broker promised in writing to re-imburse us for refi fee after the loan was done. It has been 8 months and he has repeatedly lied and made excuses as to why payment has not been made. I have the agreement in writing. He works for Right Start Mortgage in XXXX, Ca. His name is XXXX XXXX. He got our account from XXXX XXXX who at the time worked for XXXX XXXX XXXX in XXXX, Ca. XXXX has since been fired for referring their clients to XXXX XXXX. I though our loan was being processed through XXXX, but later found out that XXXX XXXX did not work for XXXX, but worked for Right Start. XXXX XXXX used our Credit card that we gave him to pay the appraiser months later and charged {$2800.00}. XXXX is investigating him for fraud. I am filing this complaint because Both of these people have lied and cheated us, XXXX and Right Start mortgage. I do not want them to have the opportunity to do this to anyone else.

Company response to consumer: Closed with monetary relief