milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received an email on XX/XX/2016 from Navient that my payment had increased from XXXX per month to XXXX per month. When I went into my account to see what had happened, it appears they changed the term of my loan from the original XXXX years to XXXX years. I 'm XXXX years into the XXXX year loan repayment and now only have XXXX years left to pay it off. While Navient agents were polite, they are unwilling to honor the terms of the loan to which I had agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2015 about Debt collection (I do not know) with Everest Receivable Services Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting a call from phone # XXXX and the debt does not belong to me and I want them to stop calling my cell phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: My XXXX XXXX Costco card account was transitioned to Citi. Unfortunately I was locked out of my online banking and unable to resolve the issue on my own and forced to call into customer service. My wait time was well over an hour, and the issue is still not resolved. Many times I have been told that the account lockout was removed but turns out that they were incorrect and I 've had to call back multiple times, again having to wait on hold for inordinate amounts of time ( minimum 20+ mins ). It 's also very frustrating having to wait for an automated system to regurgitate my account information before even allowing me to choose why am I contacting them in the first place. 

Extremely disappointed that Costco went from a quality customer service provider like XXXX XXXX to this. 

Literally just had a customer service rep tell me that there was no lockout or blocked access to my account, while their website says blocked access with reference to Error Code XXXX. 

Losing hours of my time for a remarkably simple issue as resetting a password is giving me a horrible first impression of this company.

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 06/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I saw XXXX on my credit for an apartment. I never had an account nor have I ever lived in that apartment. I disputed it with Equifax and sent a copy of my FTC FRAUD AFFIDAVIT. I am a victim of identity theft. Equifax sent me the results that did not mention XXXX. EQUIFAX is continuing to report this fraudulent account on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 my debit was hacked from an offline vending machine. At various time after my original purchase at the vending machine charges authorized. Over {$500.00} in cash has been removed from my account. I was informed by my bank that an investigation after the charges post could take any where from 7-10 days and they are not sure why but that is their processes. I have been a customer with this bank for several years close to a decade and up until now my cash has not been put back into my account. I have called several times to see what someone can do but they say it is because they are scripted to advise me it could take 7-10 days but it may take longer. I feel as if I was robbed of my money my hard earned money and my checking account bank can not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Disclosure verification of debt : Did not receive notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (PA).
Issue: Trouble during payment process

Complaint: I am in a loan modification trial that was approved by XXXX XXXX not Seterus ( the servicer ). I am receiving statements that my loan is behind and the payment I made on XXXX is being held in a suspense acct. So now I am going to show late on my credit report which should be corrected.

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 02-11-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After reviewing my credit, I noticed a collection item listed on XXXX. This item was listed by I.Q. International ; 2 amounts were listed the original debt {$190.00} and another amount {$290.00}. I called I.Q. international XX/XX/18 to inquire on what the item was the Customer service agent said I owed {$310.00}, I then asked why the difference she said interest accrues daily and if I didn't pay {$310.00} the amount would be more. She also stated that I signed a contract with XXXX the rental bond company, and the documents I signed states that fees would be incurred if debt wasn't paid. I refused to pay the amount and ended the call. 
I then called XXXX inquiring on the debt, which they claimed was unpaid utilities. This does not make sense since the property rented was in XXXX XXXX FL and utilities were in my name, or billed through the monthly payment. According to the original creditor XXXX this item was for utilities after I moved out of the property. 
XXXX customer service did let me know that I did not sign any documents which claimed fees over and beyond my debt would be collected. 
My complaint is that I.Q. Data international is billing additional fees over and beyond a debt I owe. Agents are making false statements in regards to documents I signed. Agent also stated FL law states that the company can collect fees in addition to what I owe. 
I.Q. Data international XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: RE : Credit Inquiries Equifax Credit Report There must be another person with the same name as me. There is inaccurate credit inquiries on my credit report. I am not aware of the credit inquiries circled on the credit report attached. 

Please provide me documentation bearing my signature, so that I can validate these credit inquires. 

I am requesting the documentation from credit companies, if they fail to provide me the documentation bearing my signature, then they must delete the account from all the reporting credit bureaus. 

Please address this matter within five business days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complain because TransUnion has ignored me request to provide me with the Documents that their company has on file that was used to verify the accounts i disputed they have gone past 30 days mark and can not verify these accounts. 
Under section 611 ( 5 ) ( A ) of FCRA - THEY ARE REQUIRED TO " promptly delete all information which can not be verified " that i have disputed Please resolve this manner as soon as possible, 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 explanation
Consumer complaint received 02-01-2016 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received numerous call from this company called XXXX XXXX XXXX. They call me multiple times a day from different numbers while I 'm at work. I 've explained to them on more than one occasion that since I work in a XXXX that I can not except calls during the day, which they continue to ignore. They are often times rude during the few call that I have taken. They also for several months now have threatened to take me to court and claim to also be in the process of verifying my place of employment. I have searched this company online and have found that they have been involved in numerous scams. I am not sure what else to do or if this company is legit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please do not assume this is a duplicate because it contains a different dispute and problem that I 'm having with Portfolio Recovery Associates. This company has been sued for their illegal actions FDCPA more times than one can count. They are on my credit reports for a debt that I do not owe. They lied about sending me any notice of the debt and continue to report unverified information on my credit report. I 've already taken action against them for calling my job several times after beining notified not to. They claim to have sent a notice to me concerning this, but will not answer a simple question as to where they sent the notice to. I 'm not asking them to verify that they know my name and social security number, especially given the incidents of identity theft in which crooks steal basic identifying information and open credit. This accounts does not belong to me. In order to open an account an application for credit would have been completed, drivers licence also. I 'm asking for any of that. Neither company can provide that because I have never applied for this credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was paying through Sallimae before it was moved to Navient, I recall that I was n't making any wages during that time and my loan interest suddenly increased the actual balance significantly without notice. The account was suppose to be on hold until I was able to find a job. Currently, I 'm paying {$660.00} every month without any consolidation for my income or any help from Navient to be able to make these payments easily. I almost have no savings due to this issue and with a very high interest rate. In addition, they would try to contact you regardless of your status and really want you make these ridiculous payments ( sound like collection agencies ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: They are Imposing on me a force-placed insurance on me when Ocwen knew or should have known that they already had adequate home-insurance coverage ... .I send them two faxes tell them this and no response back to me, I asked state farm my house insurance to fax over the declaration statement and other statements to them on the 2nd notice.they didnt respond to me either on that. and on the first notice i told them by fax that state farm had my insurance i will call them on monday for the 3rd time i dont know if this will be sucessfull or not. so i wish to submit my complaint in fear of possible foreclosure or extra fees that i dont have to pay. please email me at XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Oportun Financial Corporation (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There 's a few credit inquiries that do n't recognize.. starting with the most recent one. 
On XXXX XXXX 2017 XXXX Creditor contact details : XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry from XXXX XXXX, 2017 Creditor contact details XXXX/XXXX  XXXX, MD XXXX XXXX/XXXX Inquiry from XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Student loan (Non-federal student loan) with GREAT LAKES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My Great Lakes, servicing my private student loan for XXXX student loans, is holding on to my Student loan repayment for interest while they send me on a wild goose chase to provide proof of the checks that were sent. I qualified for a military Student Loan Repayment Program ( SLRP ) in XXXX. The SLRP required my lender/loan servicer ( Great Lakes ) to send out a form with my account number, verifying the amount I owed. After several hours on the phone in XXXX and XXXX XXXX, I found out that Great Lakes sent out the form with a wrong account number ( form is attached signed by a Great Lakes Research Specialist ). They have received checks for just over {$14000.00} at the correct PO Box address since at least XXXX XXXX, but now claim that since the account number was wrong on the checks, they can not apply any payments to my account and need me to provide copies of the checks sent to them in order to find the said checks. The only proof I have that money has been paid is the XXXX I received for the payment. Since the military is such a large bureaucracy it is taking a long time for them to provide copies of the checks. Meanwhile, Great Lakes continues to hold {$14000.00}, which I imagine has been cashed into an interest bearing account, while waiting for me to provide proof they cashed the checks. So that when I do provide copies of the checks, they will apply it to my loans. I should not be sent looking for checks after they provided the wrong account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Bank account or service (Other bank product/service) with Comerica (NJ).
Issue: Using a debit or ATM card

Complaint: This is in reference to company call Direct Express which I get my Social Security XXXX checks deposited to my account number is XXXX for XXXX reference number is XX/XX/XXXX their phone number is XXXX back on XXXX XXXX my filed dispute I told him that I was in a XXXX from XXXX XXXX till XXXX XXXX I was learning in a XXXX and any charges I was made in between those dates are not mine did n't give me the run around for almost a month now and I told him that I was in a XXXX in a XXXX so there 's no need for the XXXX bus ticket at this moment give me refund of the money that was taken out and investigate and find out later let 's go what was going on because I was in a XXXX for god sake I was

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Payday loan, title loan, or personal loan (Title loan) with SYNCHRONY FINANCIAL (NY).
Issue: Received a loan you didn't apply for

Complaint: SYNCB/ XXXX  is reporting a secured loan on my credit report that I did not apply for. I contacted them already and they stated that is account would be removed from my credit report and it has n't. It shows that this account is joint with  XXXX   XXXX  is and I have no idea who this is. I never noticed this account on my credit report before and It is affecting my credit because it shows 90 days late. That is how I knew it was on my credit report because I got notified through my credit monitoring. You can look at the payment history and see I never paid for this account ever. I would also like for you to furnish a document that shows my legal wet signature and video footage of me signing for this loan.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Associated Credit Services, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I discovered XXXX XXXX XXXX XXXX XXXX for {$660.00} and {$690.00} had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This has been open for a few years now after they took me by ambulance after a car accident and I have tried telling them numerous times that I had health insurance. I have never been billed for that hospital stay or 2 ambulance rides I 've had since then. Because I HAVE health insurance, I HAD it then too. This keeps dropping my credit as they reinsert it without notification or answers. My car accident was i believe in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: A brief history. I am a victim of mortgage fraud and still in federal court because I found fraud on the court. This fraud on the court allowed me to stay in the XXXX XXXX. But as ProSe I made some mistakes. Now XXXX years later I am back at the Supreme Court and need your help. Attached to this email is a letter from Supreme Court telling me my appeal must be properly brought before the court dated XX/XX/2016. Also attached a timely filed brief by me that was restricted from the public with proof of XXXX on the XXXX and Certified Mail XXXX XXXX and lower court certified docket sheet. Also I never signed for any type of home improvement, cash advance or to pay taxes. It was suppose to be a simple refinance for {$59000.00} If you could give me the contact information again by phone or email a great service is done. 
Thanking you in advance. You can call or email me anytime. This is to important and time sensitive. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After calling, setting up a payment plan, and paying the balance off over the length of XXXX years this company called and requested additional fund be paid immediately or legal action would be taken. The owner of this account it XXXX and has XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (WV).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX our mortgage became late now XXXX and XXXX different agencies later I 'm still making the same mortgage payment and the company I make it to is not listed on my credit report but the original company is but it shows the account as a charge off. I need help.

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 02-01-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (AZ).
Issue: Managing the loan or lease

Complaint: I bought furniture at XXXX XXXX XXXX on a 0 % loan that they offered me. Approximately {$1200.00} of furniture. I made timely payments. XXXX must affiliate with Wells Fargo, because my statements come with Wells on it. My statement I just received has a " previous balance of {$810.00} '' and charges me {$360.00} of interest. Now my balance is {$1100.00} at 27.99 % interest. I called Wells and spoke to a supervisor. The supervisor made a concession of a 25 % discount. I paid what she requested in entirety just now in order to get this 25 % discount via my bank routing number ( I paid her {$1000.00} ). The supervisor tells me that had I paid the {$810.00} just 7 days ago ( by XXXX XXXX ) that I would have saved the interest charge. This seems shady to me that my statement has never clarified when the 0 % was ending, what the interest rate would be raised to. Also, I question why the interest charge is XXXX instead of XXXX ( which is 27.99 % of XXXX ). I am frustrated and feel as though I have been " had ''. I qualified for the 0 % due to my good credit rating. I have never bought furniture on credit in my life. I am middle aged and this was a gift for my adult daughter. I feel as though the affiliation between XXXX and Wells is questionable as well. I remember that I " qualified for a ' {$9100.00} ' credit limit '' and then the " account '' was immediately closed ... not that I was going to buy more furniture. So it is just very strange. Can you help me in any way? I want to complain to Wells Fargo and to XXXX in regard to this shady practice in hopes that it will not happen to others. A side note : the supervisor at XXXX made me pay this amount ( the XXXX ... today, right now ... or else I would not " qualify '' for the 25 % discount ). Not fair when this payment is not even due until XXXX/XXXX/16. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief