milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I attended XXXX XXXX from XX/XX/XXXX, graduating in XX/XX/XXXX. I attended a private university, which of course came with a higher tuition rate. Although I did my best to limit loans taken out for living expenses, by the time I finished my XXXX 's Degree I left with $ XXXX- {$95000.00} in school loan debt. I stepped into a field that entry level even with a XXXX 's degree, salary was initially {$35000.00} a year. Fairly immediately, I switched my loan to income based as there was no possibility of paying the standard monthly amount. I have been fortunate enough to continue growth with salary, and therefore increase in payments over the past 9 years. I have diligently paid on time each month, only taking deferment from loan for a short period while I went back to school for an additional field. Through this 9 year period, my loan servicing company has been passed around at least a half dozen times, eventually splitting multiple loan service organizations. I never felt the need to consolidate my loans knowing that the likelihood of my loan payments going down was limited. However last year I was frustrated with organizing 3 different payments to 3 different companies that held my loans and decided it would be helpful to combine. I consolidated my loans to Navient, which mind you one large amount was already being serviced through them after all the passing around without my say. As expected my monthly payment has stayed about the same. I was absolutely devastated when I had learned after already agreement to consolidation that my 20 year loan forgiveness ( based on Pay as You Earn ) was starting over. My 8 years of consistent, monthly, and substantial payments based on my pay and city of residence was wiped away. Navient was anything but helpful or empathetic to my overwhelm, and passed me to student government loans, who then said I had to talk to Navient. I have been keeping up with m nearly {$600.00} payment each month, and am finally gathering my energy to attempt to voice my experience, and attempt to correct what I think was a neglectful support from the loan organizations. Even more devastating, looking at my loan balance today, my balance is {$140000.00}. {$45000.00} more than the day I graduated 8 years ago! I estimate that over these 108ish months of payments, I have paid back $ 43-48,000 which has not only appeared to go no where in the balance, but even further, has been exacerbated by this same amount. This is unacceptable based on how hard I have worked to keep up with payments and stay in good standing with my choices. I feel pushed around and unimportant in this system, and no doubt this is impacting me heavily with no signs of relief.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: APR or interest rate

Complaint: One year ago I contacted American Express because I was not receiving statements in any form but I did receive a letter that a late payment was triggering a penalty APR. I called them indicating the problem and they could NOT confirm that they were sending statements but would drop the penalty and start sending me e-mail statements. Since then, I still do n't receive statements but did receive another penalty APR notice XXXX days ago. Over the past year I 've begun making payments electronically which is the only way for me to check balances. Under this scenario it is possible to miss a date but I take my credit rating seriously and check my account at least XXXX per month. Yesterday when I called they had a message saying to call back in 24 hours. Today a representative claims their system is down and they will call back. 
Getting a statement should not be too much to ask. It occurs to me that not providing statements is a convenient way to collect fees or indicates they do not have systems in place to meet basic customer needs. 
I have been a card member for 27 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (KS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Pinnacle Credit Collection LLC for   XXXX   XXXX   very old collection I have asked many of times to verify the debt from   XXXX    and I get OK we will send you a bill of what you owe or what the charges are from and Never have I ever received a letter or bill. The amount is false in the first place I do not owe any bill from   XXXX   that is why I have asked for a break down for this debt. This company also are rude and told me so you are not going to pay your bills are you a broke junky. Also was told threatening if I did not pay I will be sued. That is when I wanted the debt to be verified.
This collection was on my credit report about a year ago or so I noticed that it had disappeared and then I noticed  XX/XX/XXXX  that it appeared back on my credit reports and made my score go down a lot. The amount that is showing up on my credit is for {$750.00} this account on my credit said it was opened  XX/XX/XXXX  and reported XX/XX/XXXX . Both dates are false. Because about a year ago when it was on my credit the Date Open and Reported were XX/XX/XXXX    XXXX   of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: APR or interest rate

Complaint: We have XXXX business products with Fifth Third Bank and recently I made two payments 8 days after the due date. The bank has hiked the rate up to 29.99 % on both accounts. I believe this has been done on discriminatory bases because we are a minority owned business. We are asking the bank reduce our rate back to previous afforable rates as before. Also, monitor Fifth Third to see if they are enacting predatory and discriminatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Student loan (Non-federal student loan) with Pollack & Rosen, P.A. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: *****This is my 7th complaint over this fraudulent loan. I request this loan removed from my credit report and stop the reselling of this loan. 

On XXXX XXXX, 2016 I was working at the front desk at The XXXX XXXX XXXX when a man from a collection agency. I know it is illegal for any bill collector to harass an individual at their place of employment. 

When I attempted to gather information in order to file a report he disconnected the phone. 

I have filed several complaints about this fraudulent loan. It was originated before I attended college. I am sick and tired of this loan being passed from one debt collector to another debt collector. Each debt collector is aware the loan in fraudulent and they fail to follow the appropriate steps and then sell the loan, fully aware it is fraudulent. 

I want this company investigated for purchasing accounts that are known to be illegal in their source. I also want this company investigated for breaking privacy laws. The individual did not attempt to clarify they had the correct person on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was approved for a total rewards visa at XXXX balance in XXXX XXXX I used the card I paid off the balance in full. Today XX/XX/2017 I tried to use my card and it was declined so, I called and they said they closed my account because I had to many entries on my credit. I thought once you have a credit card and use it never been late and was previously approved your fine. But they decided to close the account so, with that I have an inquiry on my credit and no credit card. How is that fair

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Debt collection (I do not know) with Transfinancial Companies, Inc (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is supposedly a medical debt I owe. Per HIPPA federal GUIDELINES on HHS.gov it clearly states medial information is not to be shared to a third party. I NEVER gave anyone permission to obtain my credit information, name, address, or anything about my medical record. This must be removed or they are in violation of hippa compliance, I am submitting a complaint to HHS.gov and the public should know the truth about this collection agency. 

Collection/Chargeoff {$1900.00} XX/XX/2015

Company response to consumer: Closed
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I reported that my Citibank credit card was lost and requested a replacement card. When I reported the card lost, I was informed by the Citibank agent that the credit card account number would change but they did not give me the new account number. Since my payments are made using my bank 's bill pay system, the credit card number is essential to setting up a payment and since I had been informed the account number would change, I waited to send the payment until I received the new card. However, I did not receive the card as promised and contacted Citibank again in XX/XX/XXXX. They gave me the new card number and XXXX 'd the new card to me. I immediately made payment to bring the account current, however, I now find that Citibank reported me as 30 days delinquent for XX/XX/XXXX. 
This delinquency is preventing me from obtaining necessary mortgage financing. 

See attached letter previously sent to Citi, requesting correction of this reporting.

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 10-05-2017 about Vehicle loan or lease (Loan) with Consumer Financial Services (IL).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I have had a situation where my car was already repossed by consumer financial services. i paid the balance within the 21 days i have to regain ownership of vehicle. within a week the manager XXXX had already sold my vehicle and taken the belongings in vehicle. Her responds was im not petty and the vehicle was never sold anywhere to my knowledge she resold my vehicle to XXXX XXXX.it took her a day to return the vehicle. i have recently felt behind one payment and explain to her i was gon na make both payments together again her responds was you can walk to work your a XXXX  your life is a XXXX.she has her employer XXXX call me atleast 20 times a day. she has request to garnish my paycheck already and text messages me from her personal cellphone pretending to be the legal services of the company. she says if your a week behing i can and will take you car. she haa even called other people regarding my account and asking for me.ive looked online and noticed she has pleny complains and has threaten others with deporting them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (I do not know) with Seattle Service Bureau, Inc (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Three times I have received phone calls to my cell phone from ostensibly a collection company. They identify themselves as National Service Bureau. They gave me this website for them : www.NSBI.net. 

Each time they call they ask for sensitive information such as my date of birth, verify my mailing address, etc. Each time I tell them I do NOT owe anyone any money and if they have my address and think I do to send a letter. They have refused to send me a letter validating the claim. I suspect, if they were legitimate, then they would already have my address and would send at letter as the very first step anyhow. 

I subsequently called you the CFBP and learned that they have to provide their professional license number. I called them back and they refused. The only thing the guy gave me was ostensibly his name, XXXX XXXX. His phone number is # XXXX. 

I have perfect credit and pay all my bills weekly in full. If there 's anything I missed I 'm glad to pay it, but I do n't want to fall victim to some identity thief. Please investigate this for me. 

At he very least, they have violated the law in not validating the amount owed and whom to. Additionally, they refuse to provide their license number. 

Thank you, XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insura nce C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX   XXXX   XXXX  -  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX    XXXX   XXXX    XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  Please remove these inquiries from my credit report immediately

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (I do not know) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked United Revenue to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to the recently announced XXXX breach, I have tried to request a Freeze on my credit report with all 3 bureaus. I have tried contacting the freeze phone number for XXXX and Experian that is published on FTC 's website ... I receive an error message stating that the service is not currently available. I have made the phone call attempt multiple times. 
From there, I tried to submit the freeze request via online. This attempt was also unsuccessful as I get an error message that the server is not available. 
I was successful in requesting a freeze through XXXX, however both phone and online options have not been successful with XXXX or Experian. I need to request a credit freeze due to the breach, but can not do so. The attempts made have been 100+ times, literally. In other words, I am not submitting this complaint after only trying the phone number or online 1 or 2 times. I have literally dialed the number and/or tried the online request 100+ times. 
My credit and identity is at request through no fault of my own and I would like to request a freeze for my protection, but the tools that XXXX and Experian have provided are not in working order.

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 03-04-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2017 I sent all XXXX credit bureau letters to verified or removed items from my report 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. Its 30 days later and still have n't got any response.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All of this started XX/XX/XXXX when I decided to check my credit scores via XXXX XXXX. I discovered that my XXXX score had dropped 30 points!! I panicked and immediately called XXXX and had my account frozen, thinking I could have been a victim of some kind of fraud. Because of this, I ended up freezing all of my accounts with the credit bureaus. I was able to figure out that JCPenney had decided to close my store card, without any communication, four years after opening the account. I never had a store card before and I did n't even know this was something that could have happened. Since then I 've called both parties multiple times, launched countless investigations, and even wrote letters to JCPenney directly. Still to this day my XXXX credit report states that my account was opened XX/XX/XXXX and closed XX/XX/XXXX. In reality my account was again, closed without any communication, XX/XX/XXXX! JC Penney has launched investigations and claim that there 's nothing more  that they can do. That XXXX is just reporting the information inaccurately. And XXXX claims that they just report the information that they are given. XXXX is now reporting the correct information and I 've even told XXXX this. Still have gotten nowhere two years later. I never would have imagined they would have been so difficult to get somebody to do the right thing. Not only as what is being reported a lie!!! But the time being reported does n't even make sense as far as " closed due to inactivity '' or any other reason for that matter. I have no faith in the credit bureaus and I will never shop at JCPenney ever again. Please 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 non-monetary relief
Consumer complaint received 02/18/2016 about Mortgage (VA mortgage) with HARBORONE MORTGAGE, LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Property tax is not being paid out of escrow account. More then enough funds are available in the account. 
several phone calls have been made as well as 6 or 7 emails sent to customer service with no response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: i had a freeze on my credit report on XX/XX/XXXX and i asked equifax to remove the freeze and they only removed it for 3 months. I call them again on XX/XX/XXXX and they are trying to charge me for something that i did n't autorize.

Company response to consumer: Closed with explanation