milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has repeatedly either misapplied payments with clear instructions in compliance with Navient 's instructions so as to collect more interest. Additionally, on more than XXXX occasion, Navient incorrectly charged late fees to my account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with Municipal Collections of America, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have was contacted by MCOA back in XX/XX/XXXX. stating that my Driver Licenses would be suspended for tickets that was on a car that I co-signed for. I then told them that I did n't have the car and asked if the that has the car been notified yet.They told me no they had the right to go after me and not him and that they did n't suspend his. Also, I then told them that he had filed bankruptcy on XX/XX/XXXX and gave them the case number and told them they are trying to get double payment, they told me oh well and that I would have to pay as well because it was my name. On XX/XX/XXXX @ XXXX XXXX I spoke with XXXX XXXX and she stated that even thought it was filed that it was now out of her hands and that it was a part of the bankruptcy department and that she no longer had anything to do with this. I spoke with the bankruptcy department and they said that yes they have the case information but I had to speak with his lawyer to have them get my licenses back. When I explained to them that I have no contact with him they said oh well they would keep them. I also stated that I was on my credit report as well, she said oh well. ( they have removed the tickets )

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 07/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, I made a {$6700.00} Principle and Interest payment to Nationstar Mortgage. The employees of Nationstar Mortgage confirmed on this date, my payment would go directly to Principle and Interest and make my mortgage payment due for XXXX XXXX, 2016. Nationstar Employees also told me starting in XXXX 2016 my payments would now include escrow with any and all past due escrow to be spread out over 60 months. ( Audio recordings confirm these conversations ) Nationstar Mortgage applied my {$6700.00} incorrectly. Instead of the full payment being applied to Principle and Interest as I was told would happen, {$2400.00} went to escrow and {$1900.00} into a " unapplied funds '' account. 

Throughout the month of XXXX, I have talked to several employees at Nationstar Mortgage who have told me they would get this resolved and have all of my XXXX XXXX, 2016 payment applied to Principle and Interest and have the escrow begin in XXXX 2016 as I was told. None of this has happened. 

I am asking for help in having Nationstar Mortgage correct their error and apply my XXXX XXXX, 2016 payment of {$6700.00} to Principle and Interest with escrow beginning in XXXX, 2016 with any past due escrow spread out over 60 months, as I was told. I am also asking for help in having Nationstar Mortgage correct my credit report to reflect that I am current and not delinquent in my payments. 

thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2015 about Credit card () with TD BANK US HOLDING COMPANY (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a Target credit card that I got behind on this year due to a layoff. In early XXXX 2015, I received a voicemail from their attorney XXXX XXXX XXXX. I called back and spoke with a rep who advised me of a payment plan I could sign up for. It called for payments of {$66.00} a month with the first payment due later that month. I advised I would like to sign up but told him I 'd have to call back because I did n't know the exact date I wanted to make the payment or which bank account I wanted to use. I did not advise of any bank account during the call or authorize any payments to be set up. He said ok and I advised I would call back. Money situation remained tight and I knew I could n't make a payment that month so I wanted to see how my situation was in a few weeks and did n't call back. I checked my XXXX XXXX XXXX account yesterday and noticed a {$66.00} payment had been processed and was returned by the bank because my account was already in the negative. I was charged a {$35.00} nsf charge for that payment. I do n't understand how Target and/or XXXX XXXX XXXX could take a payment from my account without any authorization from me. This just makes my bad financial situation even worse. I absolutely did not authorize any amount of payment to be automatically taken from my account. The check image in my checking account shows a {$66.00} payment drafted with Target 's name on it. I absolutely did not schedule any payment on Target 's website and with the payment being exactly {$66.00} I would assume the rep from the attorney 's office told Target that I would make the payment and they decided which bank account to use. I am very upset with both companies for trying to take a payment and I do not authorize them just setting up any more on their own. I want to make some sort of payment arrangements but at this point have a hard time dealing with the attorney. Being attorneys they should know what they have done is unlawful and needs to stop. If there is some way of looking up the recording of me speaking with the rep from the attorney 's office it will prove I did not authorize any payment and was never given the option to advise exactly when I wanted to make the payment, which bank account I wanted to use and I surely was not given any sort of confirmation number. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$120.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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 07-06-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender was provided a loss mitt package to review on XX/XX/XXXX - was advised this was never received - the package was re-submitted on XX/XX/2017 - was advised that our QWR and NOE was received on XX/XX/XXXX and was under review. The lender has advised that they will not postpone the sale for the research of the loan to be completed and will not review the file for a loan modification - the information was received in more than enough time for a decision to be made on the loan for the assistance being requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with Colony Brands, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA und er 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures  designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

Company response to consumer: Untimely response
Consumer complaint received 07-01-2016 about Debt collection (Auto) with Tebo Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent several requests to XXXX per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. I have also submitted a complaint via the CFPB, case number XXXX. XXXX responded saying that I owe them money but with none of the documentation required by law including signature bearing contracts. I disputed that response on XXXX XXXX, two moths ago and have received no response. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a medical debt listed on my credit reports as of XX/XX/XXXX.
I do believe that this medical bill was paid by my health insurance which I have had prior to this time.
As of XX/XX/XXXX, theres a 180-day waiting period before unpaid medical debts can show up on peoples credit reports.
This debt was placed on my credit report as of XX/XX/XXXX. I was never informed or sent a bill by the hospital of a pending medical bill no less in the amount of XXXX. 
I have never received any information or a verification of this debt. 
I am living on XXXX and if this debt was verified I would have made an arrangement to pay it. As a person living on XXXX my life depends on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied XXXX XXXX card on XX/XX/2017, and I used their XXXX+XXXX limited offer which ended in XX/XX/XXXX. I  already spent more than {$5000.00} within the first three months. But I only got the XXXX base offer. I tried to argue with Amex and failed. But I have no proof that I used this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion continues to report inaccurate information on my credit file. For one, they fail to remove several address that I have asked to be removed from my report. My current address is XXXX XXXX XXXX XXXX GA XXXX and no other address should be on my report. 

They are reporting several public records that have not been verified to include, a Chapter XXXX Bankruptcy and XXXX released tax liens as well as credit account with XXXX. Once I disputed, they updated the information and/or records but failed to verify the information. 

Chapter XXXX Bankruptcy : If a proper verification was completed, Transunion would have known that the public records should be deleted due to verification purposes alone. The Bankruptcy has never been verified as they stated. This is due to the fact that my consumer file with XXXX, whom they claim they verified through, is frozen and thus could not have been. They falsely reported they did, closing my dispute in 10 days and not taking the entire 30 to complete as they should have. 

In regards to the tax liens, according to their own website " A satisfied tax lien remains on your file for up to 7 years ''. One lien was released XX/XX/XXXX ( showing to be deleted XX/XX/XXXX ) and the other was XX/XX/XXXX ( showing to be deleted XX/XX/XXXX ) these accounts should not be on my records for 10 years and should be deleted. 

Transunion continues to violate my rights by falsely reporting they have verified public record information when they in fact have not. I would like these deleted immediately as they are negatively affecting me as a consumer.

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 11-09-2016 about Student loan (Non-federal student loan) with Patenaude & Felix APC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Patenaude & Felix APC on behalf of Plaintiff XXXX XXXX, A Delaware Statutory Trust ( S ), submitted a lawsuit against me in an effort to collect on an alleged loan account that they claim was funded by XXXX.. I never had such a loan account. I did have a loan account through XXXX that was funded through XXXX aka XXXX aka XXXX. I contacted both XXXX, XXXXA. and XXXX. to find that no loan accounts with XXXX. that they reference in their law suit exists. The loan account number is illegitamate and does not even meet the character limit for account numbers at XXXX. Furthermore, XXXX. does not service private loans and only does checking accounts, savings & CD accounts, Auto loan accounts, Credit cards and Mortgage accounts. They do not offer personal loan accounts such as the one referenced. The Plaintiff has manufactured an illegitimate Loan Agreement and Note of Disclosure with XXXX as the creditor and myself as the borrower. THIS IS ILLEGAL and it 's been a terror to fight in a legal platform that I am uneducated in and do not have the financial ability to retain legal counsel to fight. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Date of transaction :  XXXX   XXXX ,   XXXX   Amount : {$300.00} Actions : In response to this issue, I visited my branch of Chase bank  ( i n Texas ) for help. They notifi ed Mother 's  branch ( in Idah o ) that  she must show identification now. However, my branch says " known customer '' withdrawals without identification are legal.     Desired action from the bank : Restore the withdrawal.     Issue : Mother 's bank says she is a " known customer '', so they allowed her to withdraw without identification. However, they did not know that she had a  XXXX    XXXX   XXXX   XXXX  , and can absolutely not be a known customer, and that her grandson coerces her for money. We want the bank to restore the funds they allowed her to withdraw, because we believe identification is a security requirement that they allowed to slide.     Mother now lives in   XXXX   XXXX   XXXX   XXXX  , with the right to come and go. This means others may take her out for visits. Her grandson is a   XXXX   XXXX    XXXX  adult. He took her to the bank.     We thought her finances were safe because we ( sister and I ) have her identification, credit card, bank checks, etc. I 'm her financial power of attorney and have been added to her account. As a result of this withdrawal, I have learned about conservatorship and have requested an application.     Mother 's income is minimal. She receives Social Security and a small insurance annuity. Nearly all of her income goes to the   XXXX   XXXX   XXXX  , medication, and hospital costs. She can not afford this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/XXXX my rate reduction plan was extended. This was confirmed after an extensive financial information check by Navient with myself and my consigner. I received a verbal approval from both the representative and their manager plus was given a confirmation number. I verified my banking info and was checking the correct amount came out my account each month since then. Per the conversation in XX/XX/XXXX this plan was set to last 15 months. 
Today, my consigner 's wife informed me Navient called. I called to check in and make sure everything was all set and was told my account was delinquent. I verified my info and the collections department told me my plan back in XX/XX/XXXX had been denied, but I had not need contacted and they had continued to take out the agreed upon amount. I asked to be connected to be connected to the rate reduction plan line and the 90 day delinquency department refused. They told me I must pay the amount they ensured me I was unable to pay months earlier. I was told someone was supposed to follow up with me but never did. They had no documentation on why I was denied or why I was not contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In XXXX XXXX the Georgia Department of Revenue issues a state tax lien for taxes owed for two specific years. The lien was issued in error due to my checking account information being entered into the system incorrectly by the Georgia Department of Revenue Customer Service Representative. In XXXX XXXX a monthly payment was established and required me to submit a voided check and a signed agreement for a monthly withdrawal regarding my tax payments. The requested documents were received and payments were to automatically withdrawn on the XXXX day of each moth beginning on XXXX XXXX, but instead a tx lien was filled in error for non-payment. The Georgia Department of Revenue was contacted several times in regards to this lien and refused to remove it after seeing the error. I was informed that once the tax debt was paid in full the a lien release would forwarded to me and the XXXX County Superior Court to have the lien removed from my credit report and from the court records. A copy of that lien release was provided to Equifax XXXX/XXXX/XXXX and a copy was forwarded to the XXXX County Superior Court Clerk. to remove the lien and to inform the XXXX major credit bureaus that the lien was paid in full. Equifax did not do its due diligence in investigating this matter and instead of reviewing the status of the lien as I requested they instead verified the lien with the XXXX County Superior Court. The lien was not filed by them but instead filed by the Georgia Department of Revenue and should be the entity contacted regarding this matter. Instead Equifax contacts the XXXX County Superior Court and even when presented with documents that show the lien is paid and released nothing changes on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto your credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with a nice lady names XXXX about this over the phone in length and spoke about each inquiry in detail and she said it would be taken care of for me. These inquiries add a hardship and lower my score making it look like I 'm out trying to get a ton of credit when I 'm not and my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me. As a resolution I would like that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally re-added to my account without my knowledge or notification.

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