milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My wife and I took out approximately {$24000.00} each in federal student loans, for a total {$48000.00}. We got married before either of us graduated from collage, but after graduation it was recommended that we consolidate our loans into XXXX. When we had originally taken out the loans, we were mislead ( lied to ) with regards to the interest rates, processing fees and repayment schedule. We had the original agreements, however our loans have been sold so many times that for a while we were not sure who was servicing our loans. Currently, Great Lakes is the company servicing our loans. As I mentioned, we borrowed approximately {$48000.00}, Great lakes claims that we owe a little over {$130000.00} and expect a payment of {$96000.00} now and {$8400.00} a month for an undisclosed amount of time. We have attempted to set a reasonable payment arrangement multiple times. We speak to an agent, negotiate terms that we can afford, the agent says that they will send the paper work. We fill out and return the forms and when we follow up on the status we would hear the same thing. " We are sorry, but that agent was not authorized to make that type of arrangement and is no longer with the company ''. We have been through this scenario no less than 20 times and our loans continue to get higher and higher. We are actually being charged interest on our interest. Instead of 8 %, we are being charged more like 75 %. And there is no limit to how much this balance can grow, even to the point that we can not service the interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have submitted several letters with all  XXXX  major credit bureaus in reference to an account they are reporting with  XXXX   XXXX   XXXX . Originally the creditor had the account listed as settled less than full balance that was not correct so a dispute was sent. I sent a letter to  XXXX  and they provided me with a letter stating the account was settled in full. I provided this to all  XXXX  credit bureaus but instead of correcting the problem they just added account meets FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (Gift card) with PAYPAL HOLDINGS INC. (IL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: On XX/XX/XXXX I have made a purchase of {$300.00} of XXXX gift cards and {$45.00} of XXXX gift cards from XXXX XXXX XXXX ( XXXX ). 
The XXXX gift cards ( electronic ) do not work as I attempted to use them on variety of items on both XX/XX/XXXX and XX/XX/XXXX. I have brought this issue to XXXX including a case number and the issue was ignored. 
On XX/XX/XXXX I have contacted XXXX XXXX XXXX representative who assured me that the XXXX will result the issue as their position is that it is not XXXX XXXX responsibility but XXXX to honor them. After spending over 30 min on hold and despite informing the CSR that XXXX XXXX refuses to address the issue stating that the cards are valid, I was again transferred to XXXX XXXX on premise that they are responsible for the issues regarding and not XXXX. XXXX again refused to address the issue stating that their record show no Gift cards were actually sold on the transaction in regards of the original XXXX XXXX purchase. 
It is apparent that the XXXX XXXX feels that it has no responsibility to address the issue while XXXX states that it is seller 's responsibility, not XXXX 's to address them. 
I think both XXXX and XXXX XXXX is not willing to address the issue here.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient employees are repeatedly calling and leaving messages on phone numbers I have asked them to remove and do not call ....

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company calling themselves Pioneer Credit calls me with a recorded message every day for weeks ( XXXX ) asking me to call them back at XXXX regarding a debt. Since I do not owe anyone, I do not return the call. However, I would like them to discontinue calling me.

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 02-09-2017 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (NC).
Issue: Managing the loan or lease

Complaint: I had a new car lease in XXXX with Mercedes Benz Financial Services ( MBFS ). When I picked up the car, I made a payment, for what I thought was for XXXX - XXXX XXXX. During that period I was encouraged to go " paperless '' and make my payment online. I opted to do this. I made my payment for XXXX XXXX - XXXX XXXX ( when I traded the car in ) on time via their online payment system. When we turned it in in XXXX XXXX, I was told that I owed XXXX more payment, and I made that payment. I was told at the dealership that we were paid in full. In XXXX XXXX, I received a call from the MBFS that I still owed one additional payment, and XXXX of accrued late charges. At that time, I asked for the details regarding what I owed, and I was told that they switched systems, and that they would get back to me with the details. In XXXX XXXX, MBFS called me and said the same thing. I asked them to check their notes, since I never received the information I requested. Then, on XXXX XXXX, XXXX, I had a conversation with XXXX at MBFS. She said that she was going to send out the details I requested. After talking with XXXX, I was satisfied that a deferred lease payment was due. At that time, I offered to pay it over the phone with a debit card. However, I told XXXX that the late charges were still in dispute, since I did not receive the details I requested. XXXX did not want to take the payment at that time, she was going to get the details and call me back. I never heard back from XXXX. My wife and I started to receive calls from a collection agency XXXX regarding this debt. MBFS is willing to reduce the amount of late charges only if we accept a settlement, which will be reported. Since I did not receive notification of this late, which was accrued for 26 months out of the 36 months of on-time payments, I do not feel that I should be obligated to pay it. I have paid the late charges in full in order to stop the collection and negative effects to my credit, even though I do not believe I owed them. I would like to get refund.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have had Aimloan as a mortgage company for quite a few years and every time funds are due including an insurance claim, an over payment of insurance, and currently an escrow amount due they take months to make payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Medical debt) with KelKris Associates Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please find attached the cease and desist letter from XXXX regarding myself XXXX XXXX. I am illegally being billed for services, my provider XXXX has requested for XXXX XXXX to bill them directly and they still have not. Per this letter, XXXX XXXX is in violation of Act Knox Keene which states, they are prohibited from attempting to collect funds other than co payments and deductibles. The collection agency Credit Bureau association claimed that they had n't received the cease and desist letter from XXXX XXXX so I myself have E-mailed the collection agency and mailed them a letter and still have not received a response. There is also another letter to XXXX attached which states that XXXX has contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and requested that they bill the correct party yet, the collection agency still has not received any documentation from XXXX to cease. The next step is legal action as this has affected my credit report, I need this removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I have had a XXXX Barclay Master Card since Barclays started the program. Prior to it was with XXXX. I am a current card holder in good standing with an XXXX credit rating. I applied to upgrade my card to a fee based card with better bonus benefits. I received a letter stating if I did n't respond in 30 days my request would be cancelled. they asked for an original con ed bill from my residence, a copy of my drivers license and a copy of my social security card. I sent the con ed bill and the drivers license and a copy of my XXXX card which is issued from the same governmental dept. everyones XXXX ID is their social security number. either they are cherry picking or discriminating Bafclay refused to accept the XXXX  card. they would not take anything printed from my social security account from the website or a statement showing my social security payments. I do not have my social security card and would require to visit an office to obtain. This makes no sense! XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Portfolio recovery sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and Portfolio recovery is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Debt collection (I do not know) with Franklin Collection Service, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: FRANKLIN COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FRANKLIN COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FRANKLIN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been sending disputes to all XXXX credit bureaus for the past 4 months regarding this issue. Citi has been harassing me and my family regarding an account that is not mine. They are saying that I owe them {$3000.00} and they are reporting this on my credit report without my permission. When I sent them the police report and identity theft affidavit they ignored them and sent me none of the information I requested in order to validate this charge. If they do not stop contacting me and do not stop reporting this fraudulent information I will be contacting my attorney and filing a lawsuit for defamation.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit inquirie was made on XXXX XXXX by XXXX XXXX XXXX XXXX without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Other debt) with CASHCALL, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Debt is from Cash Call and is sold to XXXX XXXX XXXX XXXX The information they are providing does n't match anything that I 've done. Date of loan is XXXX XXXX XXXX and amount is {$5000.00}. They are trying to collect {$15000.00} and has garnish my pay. I 've ask many questions, they can not answer and told me all that matters is there 's a judgement against me. All the information provided by this company does n't match including my pay stub, cable bill. I 've never bought or got service from XXXX, the pay stub said I worked for a company that I didnt. I called the companies and verified everything.

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 07-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My credit report shows a judgement that should have been taken off. It has been close to 8 years and it is still there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my Transunion, XXXX, and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : Transunion, XXXX and XXXX and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer

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 02/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Using XXXX letters I disputed a collection with XXXX to a XXXX balance. It was removed and placed back onto my report unfairly. The credit breaus denying the removal but I have proof in a screenshot.

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 11-01-2016 about Debt collection (Auto) with FC HoldCo LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have repeatedly asked XXXX XXXX and XXXX to dispute the validity of this account but this creditor ( Flagship Credit ) formally ( XXXX ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.

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 07-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Attached you will find the new public records report with the documentation of the lower square footage as I stated in my complaint, given to me by XXXX XXXX of the XXXX county assessment office in XXXX Pennsylvania. 

If you have any questions in reference to this you may contact him his name is XXXX XXXX his phone number is XXXX, his email address is XXXX. 

I will also be sending this to the CFPB.

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 03-11-2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (KS).
Issue: Making/receiving payments, sending money

Complaint: Was trying to cash a small check and was denied. Called Certegy and disputed the charge that they had on file which was dropped. After receiving a letter today, I noticed a check presented to XXXX store XXXX check # XXXX on XXXX/XXXX/15 for {$94.00} that is not mine. I do n't write check except for my utilities. Very concerned since its my State I 'd # bit not my check.

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 09/27/2017 about Debt collection (Medical debt) with ALCHRO INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent several dispute letters to both XXXX XXXX XXXX XXXX XXXX, and the 3 credit bureaus about 4 medical collection accounts contained on my reports. XXXX and XXXX  deleted the account after the first dispute. However, XXXX  continues to report the accounts. I have sent several letters to the address contained on the XXXX reports, and have received no response. I finally sent a certified letter and it was returned as undeliverable. I also tried calling the number listed on the report but to date it is disconnected. Despite having informed XXXX by letter and phone calls about the problem with the address and phone number, the accounts remain on my report and I have no way to have the information validated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: on XX/XX/XXXX I receieved a notification from XXXX stating I had an alert for a new credit inquiry. ( When I looked it stated XXXX XXXX ). I until todays date have not receieved a 30 day right to dispute letter. I amcertain your company is familiar with The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. Once I received the alert I XXXX the company and sent them a letter certified and with return receipt. As you can see the copy of the return label it was signed for by XXXX XXXX or XXXX XXXX ( camt read the had writting ) on XX/XX/XXXX ( see attached ) here we are XX/XX/XXXX and I have yet to recieve debut  vaildation or a letter stating the primary purpose fo rrunning my credit. On my credit report It states I allegedly owe XXXX XXXX XXXX dollars.Attempts to collect debt not owed without vaildation is illegal.I will be filing a consumer complaint with the FTC as well due to the failure to reply with 30 days.Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Therefore you are in violation of this section of the FDCPA. I will be taking legal action against Transunion for defamation of character, Failure to vaildate debut.

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 12/14/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I 'm trying to set up XXXX XXXX with my account so I can take funds out of my account to be able to purchase stock from the XXXX site. It 's not letting me set up my account with them.

Company response to consumer: Closed with explanation