milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am in need of assistance in straightening out my accounts with your organization. I have called multiple times and get the same answer yet my balance is not corrected! I keep getting told it will b e 5-7 b usiness days to fix the issue.its been nearly  2  weeks and my Stafford loan balance is still not correct. I made an extra {$700.00} payment to the  Stafford Loan  specifically and someone there arbitrarily decided to split the payment between the accounts!   XXXX   XXXX    XXXX  verified the payment was sent, yet the Stafford account is still today NOT showing the correct balance of {$1300.00}.   I noticed today a class action lawsuit is in the works regarding this same type of issue! This needs to be fixed and shouldnt take fifteen calls to your call center in the  XXXX  and the aggravatin g 3  minutes it takes just to connect to a live person!   PLEASE HELP!      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with I.C. System, Inc. (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have not owned an XXXX XXXX XXXX phone for more than 20 years. This collections shows an age of less than 4 years. It was paid more than XXXX decades ago - the collection keeps getting sold to another collection agency, who changes the open date & it starts all over again.

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 02-05-2018 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This company has made repeated attempts to collect a debt I do not know. And the fair debt collection that they are required to disclose their burden of proof in regards to the debt and I have after several request received nothing. XXXX XXXX calls me nearly 3 times a day and has for sometime now making threats of lawsuits etc. and I dont even know what I owe it for. 

Please provide all original paperwork for XXXX account and all necessary disclosure items proving that I owe the debt. The fact that XXXX buys credit debt for pennys on the dollar does not constitute proof enough to falsely ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with HireRight Solutions, Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My previous employer, XXXX XXXX XXXX reported XXXX XXXX XXXX driving records on me, both were incorrect. I filed a claim ( s ) with the reporting agency, Hireright disputing the accuracy and true facts as I know them to be. Hireright just sent me XXXX letter 's stating the report will stay the same, coming from XXXX XXXX. Hireright has said I can submit a rebuttle of up to XXXX words, but the record will stay on my file. How can the record stay on my file when the record XXXX XXXX reported is absolutely wrong? When I submitted to Hireright for an investigation of the record, I asked then to listen to the recorded conversation of my explanation of each incident and the is all the evidence needed to prove I 'am correct and that XXXX recorded be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was 90 or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month capital one sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient is the servicer to my federal student loan. Per their internal policy, they apparently can not process paperwork for loans on autopay if they decide to process two weeks before the date of an autopay. This stands in complete contrast to their stated commitment to process paperwork in five to ten days of submission. 
As an example, my automatic payments are deducted on the XXXX of every month from my bank. I filed paperwork showing a change in my income levels on XX/XX/XXXX. Despite calling to push the process along on XX/XX/XXXX, Navient internally claimed they were ready to process on XX/XX/XXXX. However, as XX/XX/XXXX is within two weeks of the autopay day of XX/XX/XXXX ( 13 days, to be precise ), they will not consider the paperwork that has been filed until after XX/XX/XXXX ( and up to five business days after that ). Navient also agreed with me that it could be much later than that, as that " will be the holiday season, and work slows down. '' I am a responsible lender and have made on-time payments in the Pay as you Earn plan for several years. I am shocked that Navient, a private sector company, can not hold itself to a standard to process critical paperwork for months on end. Its client, the federal government, should take action to stop such incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I received a notice of this account in XXXX. I mailed a debt validation letter and never received a response. Instead this account was added to my credit report. I filed a complaint and the issue was not resolved so I filed a dispute with the credit bureaus. As a result the account was deleted on XX/XX/XXXX (  proof attached ). Two days later the account was added back to my credit report after deletion XXXX proof attached ). On XX/XX/XXXX, I reached out to TransUnion and spoke with a rep and supervisor who told me that I have to wait until an investigation, that has nothing to do with this account, is complete before I can see the account removed. I already have a report dated XX/XX/XXXX showing the account removed! But no one could provide and explanation of how it was added back 2 days later. Even if it 's showing under another collection agency ( which it is not ) that still would not have allowed me time to request debt validation. This is a direct violation of my rights, and if this account is not removed ASAP, I will be seeking legal consultation to see how I can be compensated for the distress your company has caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/XXXX My XXXX accounts were transferred to Transworld Systems Inc. Th credit limit of the XXXX card was {$6000.00}. There was about {$5000.00} charged to the card. The XXXX card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the XXXX program each of the following years : XX/XX/XXXX {$8500.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$1800.00} A few weeks in a notice dated XX/XX/XXXX I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/XXXX I called and requested an itemized list of fees and charges and was told they do not provide such information. 

The combined maximum credit for the XXXX accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was not sent a final bill after I canceled my XXXX account as I was told they would do so I could pay the remaining balance, they never sent a final bill nor did they send someone out to pick up their equipment and tried to make me pay for it, I finally got them to pick up the equipment but still was denied a final bill instead they sent to collections, I was just notified by XXXX when I checked my credit, I immediately called and made full payment ( still without a bill ) payment confirmation number is XXXX. Please remove this collection from my report immediately. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am currently in student loan rehabilitation program, and have made2 payments in XXXX, and1 payment for each month there-after, for a total of 6 on-time payments. According to my calculations I have no more than 4 more payments left to fulfill my student loan rehabilitation agreement. In XXXX  I had an income change, from $XXXX per year to $XXXX per year. I contacted both US Dept of Education, and Coast Professional Inc, the servicer of my loan, and was told to complete a new financial disclosure form. I submitted all documents asked for. I recieved a new payment amount of 5 times higher than previous amount and was told that all previous payments I have made are now NULL and VOID and that my repayment schedule would start ALL OVER AGAIN for another 9 month period> When I spoke to manager XXXX XXXX I told him that even the contract they sent me clearly states PAYMENTS BEGINNING- X/2017. I believe this is ILLEGAL,and I can find no legal written documentation to support what they are trying to do.1) my payment amount increased almost 5X from $XXXX  to $XXXXeven though my income only increased $XXXX per year2) they are trying to start my contract all over again, despite the fact I have already made 6 payments, and only have 4 more left.The contract sent to me also READS "PAYMENT PERIOD FROM X/17" This is a breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Pay Pal credit sent me a letter in the mail with the charges and amounts owed stating that I still owe the debt and it was already paid according to the letter they sent me. There are class action lawsuits being filed against them for tricking customers stating that they owe charges when it 's Pay Pal that is extorting fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On or around XXXX XXXX, 2016 Equifax reported that they incorrectly challenged and removed my XXXX XXXX credit card account ( s ). I instructed Equifax to dispute a collection account from XXXX XXXX XXXX ; however, Equifax did not properly conduct an investigation. Additionally, I contacted Equifax via telephone and spoke with XXXX on the Nevada team to no avail. To date, the inaccurate collection account from XXXX XXXX XXXX remains on my credit report and my XXXX XXXX credit card account ( s ) are still deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: Recieved a letter in the mail telling me keybank closed my account .... open an account on the 5 and today is the 13 and wasnt notified till today with a letter .. 
If there was a problem with opening the account i should have never been able to open and account .... my money is going to be sent back to me via check and have to wait for XXXX knows how long ... called keybank customer service and the do. Ot see why im account is closed ... worst bank in the world waste of time and waste of money for the simple fact i have to wait for a refund of my money and never was told why my account was being closed

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been try to get modification done by bayview loan company I been in touch with lady by name of XXXX XXXX but after talking to her a few weeks ago I have heard anything else about my paper work been filed or sent up to review board I been trying to reach her but no response I also call on monitor talk to a supervisor but they hang up the phone on me I need help try to get some answers from them. Can you please help me thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: APR or interest rate

Complaint: I went to Sears XXXX in XXXX 2013 to get XXXX for my son. They said if I put the amount due XXXX {$3400.00} XXXX on my Sears Card it would be interest free for two years. I already had a balance on my Sears Card, and I was making monthly payments. I just received my Sears Statement today and while the balance was {$4900.00} last month, it is now {$7100.00}. A charge of {$2300.00} representing interest was charged to the account. If the original amount for the service is {$3400.00}, how do you get {$2300.00} in interest after two years? This does not make sense.That is a 69 % interest rate. Is that legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUMMIT FINANCIAL CORP (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Collector contacted me to voluntarily surrender a vehicle that original lender " charged off ''. She would not identify the company she worked for but threatened to file an " order of execution '' to have police pick up the vehicle. When asked to send paper work to me to submit to my attorney she screamed at me and said there was no paper work. Just tell her where to pick up the car. She also left several voicemails on my cell phone threating the same. I saved the last voicemail. The person also called my employer and spoke to my supervisor informing him of the debt and the police coming to my office to pick up the car. My supervisor sent me an email detailing the phone conversation. I had my attorney call her and she told him the same thing. He searched court databases for XXXX Counties and found no documents filed against me. He told the person not to contact me at work nor my employer again, and to notify me in writing of any legal proceedings including documentation and not to call me any more or come to my home without proper identification and paperwork. The person would not identify where she worked to the attorney either and was very abrasive as she was with me. The attorney told me to contact the FTC as the person was calling from a cell phone, would not identify who she worked for or a work address, nor provide any written documentation of legal actions, which was a clear indication of a scam and that she violated laws.

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 09/26/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (SC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I opted out of an Overdraft Protection program for my debit card account which explicitly states that they would decline the card should there be insufficient funds in the account and not charge an NSF fee. Upon noticing a NSF charge I called the bank. They referenced a Regulation E which explains that the opt out does not apply to " recurring charges '' the definition of such was not adequately explained. They refused to refund me the overdraft fee of {$35.00}, even for this first offense. I mentioned that since my account is in negative balance and therefore can not close the account without paying the NSF fee, I would let it become inactive. The repercussions per the agent I spoke with would be another {$50.00} in fees and then having a collection agency attempt to collect his amount. In the meantime, this would effect my credit score and I would not be allowed to open any other checking accounts. This is quite a hefty fee to pay for a poorly worded policy that anyone could have been duped.

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 09/24/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax Inc. ( XXXX : XXXX ) and its subsidiary Equifax Information Services LLC ( XXXX : XXXX ) continues to refuse to correct mailing ( situs ) address on mailpieces and credit file by intentionally reinserting invalid ( situs ) mailing address to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpieces I received via United States Postal Service on XXXX XXXX, 2015. 
Furthermore, Equifax Inc. ( XXXX : XXXX ) and its subsidiary Equifax Information Services LLC ( XXXX : XXXX ) continues to refuse to delete adverse account, to-wit : XXXX # XXXX on credit file by intentionally reinserting inaccurate and fraudulent information to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. 
Pursuant to 15 U.S. Code 1666 - Correction of billing errors, I formally request the following documentary evidence pertaining to alleged Account Number XXXX and alleged payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) ) : 1. A copy of the original credit application and loan agreement and disclosure statement showing the terms of the agreement ; 2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted ; 3. Copies of all documents and financial instruments used to pay the disputed late payments ; 4. Copies of all charge slips, invoices, promissory notes, truth in lending insurance disclosures, and all other documents proving indebtedness ; and 5. Copies of all documents sent to me regarding the alleged account. 
Immediately remove this inaccurate and incomplete information from your databases, which I have advised Equifax Inc. and its subsidiary Equifax Information Services LLC on, at least, XXXX separate occasions, more than 60 days ago. 
This letter is not meant in any way to be an acknowledgment that I have any outstanding personal debt regarding disputed alleged debt. 
Sincerely, I am /XXXX/XXXX , on behalf ofXXXX XXXX , Without PrejudiceXXXX XXXX ( Ret. ) XXXX XXXX XXXX, VA XXXX XXXX, 2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i am asked to call back about a debt collection. i have no idea what kind of debt, how much, to whom i allegedly owe money, or anything else. on caller ID, the company is listed as Navient, phone number XXXX i am afraid to call back because i believe it is a scam. these people call me at least three times a week.

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 02/26/2016 about Mortgage (FHA mortgage) with McCalla Raymer Leibert Pierce, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: RELATED TO CASE XXXX XXXX BANK ATTORNEY McCALLA RAYMER WAS REQUEST INFORMATION ON HOUSE FRAUDANTLY SOLD AT AUCTION. REQUEST INFORMATION ON SALE. SUCH AS AMOUNT, TO WHOM, VALIDATION OF PURCHASE, AND TITLE INFORMATION. THIS LED TO ASSISTENCE OF DISTRICT CONGRESSMAN, WHOM HAS BEEN MONITORING THIS ACTION OF ROBO SIGNING ON DEED AND MERS AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation