milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Since XXXX XXXX, I have been receiving information from Navient that my interest-only payments will be ending soon. Just today, XXXX XXXX, XXXX, I receive such an e-mail notice. I kept logging into my online account information with Navient, and that information noted that the Interest-Only-Payments will be ending XXXX/XXXX/XXXX ( see attached ). I decided to call to see what the urgency of the e-mail alerts about the payments ending soon. The online rep checked my account and stated that there is no such information about the IOPs ending in XXXX. While the rep was on the phone, I logged into my account, and sure enough the loan details stated that the IOPs would be ending in XXXX. She pretended not to have that information until I became very firm in my voice that the XXXX was, indeed, posted to my account. Then the Navient rep stated that the information needed to be updated and that the deadline was XXXX XXXX, XXXX -- this was the first time I was given a date. I asked my payments because in those alerts and online there is no mention of the updated payment amount. The rep stated that my payments would be {$220.00}, and I informed her that there needs to be a payment adjustment because I was on XXXX and no way could I make this payment on short notice nor in the future. I asked to speak with an account specialist, and she attempted to find an alternate program and discovered that the phone rep had given me the wrong information regarding my payments. The payment adjustment for XXXX XXXX, XXXX will be {$85.00} and not {$220.00}. This is nothing more than a payday loan establishment with the interest rate climbing by the day.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: First off I am a current Capital one customer and hold 2 of there cards, the platinum, and the spark for business. I love capital one and make all of my payments on time. 

I subcontracted for a company and a man named XXXX XXXX and he had me use his card a couple times. apparently he added my as an authorized user to his card at some point in time and states that he does this for all employees that he lets use his card. 

This was done without my permission and last week I started getting letter that some of my credit limits have been lowered due to a couple late payments. after investigating I see that his account is reporting to my XXXX credit report and this is not a reflection of my personal payment history as I have a stellar 100 % payment history. 

I would like this account removed from my personal credit report so that I can try to fix the damage that has been done with my credit limits reduced. My utilization was at 15 % and now that my limits have been lowered my utilization has jumped up to 65 % which on top of the late payments have dropped my score over 144 points!! 

I am sickened by this and hope for a quick and speedy resolution! I take pride in my credit and need this fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am the co-signer of the loan and I believe the borrower has " tricked '' me into this private student loan obligation by misrepresentation mainly because of my XXXX and XXXX which resulted in bad financial decision. Since my XXXX and XXXX are worsening by every minute the borrower does not pay a single dime and deliberately avoid my calls and his obligation of this private student loan, I have wrote a letter to the student loan lender to ask for " co-signer release '' because of my medical condition. I have not received a response yet from the student loan lender but I highly doubt they would release a me since I pay each payment on time with a stable income.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/ I made an online Bill pay through my Bank ( PNC ) for a payment to my Mortgage company XXXX XXXX. I accidentally made a duplicate payment the following day on XX/XX/XXXX for the same amount of {$2800.00}. As I caught this error, I spoke with PNC to cancel the 2nd payment. While PNC reached out to XXXX XXXX to cancel 2nd payment, XXXX XXXX cancelled both payments and sent the funds back to PNC. Since PNC did not request the first funds back, they show that a payment was made on my behalf. The information above took until XX/XX/ to share this with me. While on a conference call with XX/XX/XXXX, PNC, and PNC 's 3rd party payer ( XXXX   ), it was shared that XXXX was in possession of these funds. I was asked, how I wished to proceed and the options where to send money back to XXXX XXXX which should take 2 days to post to my account or send back to me which could take upto 2 weeks. I chose to have the funds sent directly to XXXX XXXX. Since this call, I can share with you that these same funds are lost again. PNC/XXXX is claiming the funds were sent and XXXX XXXX has no receipt of these funds. I believe I have given both banking institutions more than adequate amount of time to conduct the research needed to bring this case to a close. Any assistance you can provide to help locate these funds would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: on XXXX XXXX a charge to my account without my authorization was made by XXXX XXXX, when contacting my bank they refused to allow me to dispute the debt. I bank with Chase located at : XXXX XXXX XXXX XXXX CA ph XXXX XXXX XXXX. The Chase account was not used as security for XXXX and they claim they know that I have signed an agreement with XXXX that allows them to charge any card on file with or without my authorization. They refused to open up a claim unless I closed my account which would result in several bank charges for pending bill payments. XXXX has a pending claim with you now and there was no way to add Chase to the complaint. Chase was notified once the charges went from pending to paid and the representative refused to allow me the right to dispute the charges because he felt they were owed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (FL).
Issue: Managing the loan or lease

Complaint: A credit report was obtained and there was a charge off auto loan from Alphera Finanical Services reporting. The information was not complete so disputes were filed with all XXXX reporting agencies. After several unsuccessful attempts with the bureaus to try and get this information I sent a direct request to the company asking for validation and evidence of what they are reporting to the bureaus. They responded with an acceptable letter stating that they would not send information to a 3rd party. I AM NOT A THIRD PARTY. I am also unclear how with their correspondence stating " IT IS OUR POLICY TO ONLY RESPOND TO REQUEST SENT DIRECTLY BY OUR CUSTOMERS '' are the credit reporting agencies able to obtain validation of this since they are a THIRD PARTY.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Vehicle loan or lease (Loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (FL).
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: This notice is being sent to you pursuant to a Consent Order issued by the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, 2015 in the matter entitled In the Matter of XXXX XXXX XXXX , XXXX. also doing business as XXXX and Universal Acceptance Corporation, CFPB File No. : XXXX. 
This notice is sent by Universal Acceptance Corporation, because Universal Acceptance Corporation has furnished inaccurate information about some of its customers to the nationwide consumer reporting agencies XXXX, XXXX and XXXX. The inaccuracies may have adversely affected your credit. 
Consumers have a right, under the Fair Credit Reporting Act to receive one free credit report from each of the nationwide consumer reporting agencies during any 12-month period. 
If you have not already obtained your free annual report, you may do so by visiting XXXX or by calling XXXX. 
Whether or not you have already obtained a free credit report from one or more of the nationwide consumer reporting agencies during the last 12-months, you may obtain an additional report from XXXX at no charge to you for 180 days following your receipt of this Notice by calling XXXX. Go to XXXX for any additional information. 
If, in reviewing your credit report, you identify information that you believe to be inaccurate, you may dispute that information as follows : Direct Disputes : You may submit a notice of dispute directly to Universal Acceptance Corporation of the information you are disputing by calling Universal Acceptance Corporation at XXXX or at one of the following addresses : 1. The Universal Acceptance Corporation address specified in your credit repor 2. UAC, XXXX XXXX XXXX, XXXX, MN XXXX, or

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 06/26/2015 about Debt collection (Medical) with Richard Sokoloff, Attorney At Law (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am in the midst of a very difficult divorce. I was left with XXXX college aged children. My mom had just died and her house was destroyed by a burst pipe last year. During this time, I accrued a medical bill which I felt was unfairly inflated. I put it aside and forgot to address it due to my overwhelming present life situation. A few months ago, I tried to contact the now debt collector after trying to discuss the bill with the doctor 's office first. I am willing to pay the original amount for the medical bill but not the huge debt collection add on. Nobody is willing to comply. The original bill is for {$220.00}. The visit did n't even actually help. The original problem that I went there to be treated for still exists. The agency is asking me for {$310.00}. I refuse to pay extra {$91.00} for the collection fee. I need help with this. I feel helpless and I am trying to do the right thing even though I feel the original bill itself was inflated.

Company response to consumer: Untimely response
Consumer complaint received 09-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I currently have XXXX XXXX XXXX XXXX private loans with Navient totaling {$92000.00} with interest rates of 14.25 % on XXXX and 9.75 % on the others. Earlier this year I was unemployed and reached out to Navient multiple times about the fact that I had no income and was unable to pay the current amount due each month ( approximately {$1300.00} XXXX. Multiple times I was told by their staff that I could pay {$150.00} as a deferment and would be brought current from three months delinquent. I paid this fee multiple times believing that it would allow me to be able to stay current while I caught up financially. I later found out, in XXXX of this year, that I had been lied to by the company and was continually only bringing myself 1 month current and not completely removing my delinquency and currently owed two XXXX 2 XXXX months worth of payments. Since then I have continually tried to negotiate with Navient about multiple options including loan consolidation, interest rate reduction and repayment period extension, all of which have fallen on deaf ears. I was denied a temporary rate reduction application due to both my cosigner and I together having enough income to cover the normal monthly rate of the loan according to Navient 's standards XXXX which they will, surprisingly, not disclose ). Their options are only " pay now '' or " pay now ''. At this point I am four months delinquent and they are demanding over {$6000.00} from me and still refuse to negotiate. I want to be able to pay this debt but the terms that they are providing are unfeasible for me as it would leave me with literally zero income. As it stands right now my current monthly income is less than what I owe from delinquency. My father is cosigned on the loans but as they have recently purchased a new home after moving across the country, they are in no position financially to provide me aid and I have no one else I can rely on for financial assistance. Navient keeps insisting they will only negotiate with me if the cosigner is present for the conversation as well when XXXX of the terms I have been requesting is removal of the cosigner. What they seem to lack the capability of understanding is that the only reason I have a cosigner in the first place is because at the time of loan application I had no credit history and would not have been approved so I essentially had my arm twisted into obtaining a cosigner or risk not being able to attend school. I have been continually seeking other options including consolidation loans from outside lenders but as the delinquency has severely damaged my credit I am extremely concerned that my only recourse is to attempt to discharge the loans in bankruptcy citing undue financial hardship, but not even that is a guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was with Navient and was on an automatic debit for $ XXXX/month. The terms then upped the amount to {$360.00}. When i called Navient, i said that in no way did i not want to pay my loans but due to my financial obligations, i could not afford {$360.00} per month. Although my income may state that i can afford this, i have a daughter in college and XXXX kids in daycare so the extra money makes me way too strapped. They put me on a temporary forebearance and now the payment is over {$400.00}, which i ca n't afford. I told them i want to pay this back but this is too much. They told me basically that it was too bad and either i pay it or default.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fraudulent charges were charged to my credit card in the amount of {$3100.00}. I have a Fifth Third Bank/ XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX XXXX I closed on a new construction home. On the HUD statement I received a tax credit from the home builder for the months in XXXX I did not live in the home. I paid the full XXXX tax bill to XXXX XXXX on unimproved taxes. In XXXX XXXX XXXX billed me on unimproved taxes again which I paid. Early this year in XXXX XXXX XXXX sent me an amended XXXX bill based on improvement to the property that happened prior to XXXX XXXX XXXX. This was a non delinquent tax bill and had a due date of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Bank of America paid the tax bill and forced an escrow account on me and increased my payment 100 %, from {$3500.00} to {$7000.00} a month. The reason Bank of america forced this on me was due to delinquent taxes for XXXX. I called Bank of America up and advised them the the taxes are not delinquent per talking to XXXX XXXX and they needed to refund me the addition money they took from me for the taxes and to remove the escrow account. Note XXXX/XXXX/XXXX & XXXX/XXXX/XXXX I made the increased payments. Additionally the XXXX tax bill is out and Bank of America paid this bill as it is n't delinquent. My complaint is that Bank of America has illegally auto draft these additional monies from my checking account and holding them in their escrow account which is earning interest on the escrow monies they hold. BOA paid a bill that they should have not paid. This is a violation against the Deed of Trust as it states that this can only be forced if delinquent. I want my escrow account removed and I can either settle the bill with the taxing authority or Bank of America. This is a servicing violation on the servicing regulation rules set by the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Debt collection (I do not know) with Duncan Solutions, lnc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Professional Accounting Services call my home several times a day to collect on a debt that is n't mine. They were told this. They continue to harrass me. i am a senior citizen and they are trying to scam me. Whoever they represent needs to understand I am not responsible and to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is reporting an account on my credit reports that they have refused to verify with me. The company is stating I owe money to XXXX when I do n't. I sent them a validation letter in XXXX 2015 and they responded back asking for more information to identify my account with. I provided them with my name, address, and even a copy of my credit report but informed them I would not be sending them my ssn through the mail for security reasons. They never responded. I sent them a XXXX follow-up letter to which they still never responded. Lastly I sent them a letter demanding removal of the item which they received on XXXX/XXXX/15 and they still have not removed the item but yet continue to verify this with the credit bureaus. This company is in clear violation of the law as they have 30 days to respond to my request for validation and they have yet to do so. I am considering legal action if this is not promptly resolved because it is damaging my credit. By law a company can not report an unverified debt and that is exactly what this company is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (I do not know) with Penn Credit Corporation (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been repeated calls from the number XXXX at my home number, XXXX for the past several months now. The number, which is listed as unavailable on my phones Caller ID, does leave a message that they are in essence trying to contact me regarding important personal business. The voice in the message is male with somewhat of a southern drawl. I have answered the phone a couple times, but when I do and try to see what the message or the call is about, I get a message saying something about the person they are trying to reach, but the name is unintelligible because it is done by a computer and it is very hard to make out. I have tried contacting the FTC about this since I am on the Do Not Call list. But nothing has been done about this. I usually get at least one call per day from this number, and I have saved up to about 15 of the most recent voice mails from this number on my home phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX, when I was XXXX my mother opened a credit account in with XXXX XXXX with my name a social security number. The account stayed active and open until XXXX. During the entirety of this time my mother lived with me and at the home I was eventually able to purchase until she moved out end of XXXX due to our differences, in that time she was collecting the mail and filtering out these bills while I was at work. I made many attempts to close the account by calling XXXX XXXX and letting them know what was going on while attempting to buy my first home in XXXX when I realized she had done this again and they refused to shut the account down. She had a long history of creating credit accounts in my name and my younger brothers name and then no making good on them ( XXXX, XXXX XXXX gas station to name a couple. The account has now been transferred to collections with XXXX XXXX XXXXXXXX I have tried to negotiate just to make it go away, I have disputed the account to no avail and the only confirm the account by sending my the last bill. It is unfair to continue fighting for almost a decade with a company about an account that was opened by an irresponsible credit seeking parent and for me to continue to pay the price while I clean up my own credit issues from a divorce. I would like this account removed as I never had knowledge of this account until it was too late and XXXX XXXX refused to do anything about it and at one point accused me of lying to get out of the debt. XXXX XXXX XXXX has been no help with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Medical) with MFP, inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX in Florida is also known as Financial Credit Services. They are both the same Collection Agency. I have never received any notification by mail that I had any Medical debt with this Collection Agency ( s ). Therefor I did not even receive any notice of my rights to dispute. In addition, XXXX XXXX XXXX did not disclose any communication that this was an attempt to collect a debt. I did not know this company was reporting multiple and duplicate Medical collections until I pulled my consumer credit reports from all three credit agency 's. At that time, I took my legal right with XXXX, XXXX and XXXX and disputed them. Over the last 60 days they were deleted from Credit Reports only to find out GulfCoast Collection re-reported the same collection back on my Consumer Reports under their other company name, which now shows as an entirely new collection with XXXX and the others. This has reduced my FICO score substantially where I now find myself in a serious negative situation with banks and lenders not to mention it is impossible for me to now purchase a home. I am XXXX and even tried to resolve this directly with the company only to be treated unethically, unprofessionally and talked to in a threatening manner. They refuse to cooperate and work with me to resolve this matter in any way what so ever.

Company response to consumer: Untimely response