milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I originally took a student loan out through XXXX XXXX, which was transferred to Navient a few years ago. With the help of my mother, we entered into a payment agreement. We provided a substantial sum up front, and set up automatic monthly payments. Two years after the payments were withdrawn regularly, they stopped. I received no correspondence from Navient, and discovered the money was not being taken out when we noticed the money was not automatically being withdrawn. I contacted my account manager with Navient, who explained that payments can only be scheduled for two years at a time because of their system. I had to give him the same bank account information again to get it back on track. Three months had been missed, so we arranged for that amount to be withdrawn immediately, which it was, and re-set the automatic monthly payment schedule. Today I received an email that my account had been transferred and I needed to arrange a payment schedule with a new manager. It turns out that while I was told the monthly payments had been scheduled, they had not. My account was transferred " to another agency, '' which was never explained, and the account manager I had been dealing with said he 'd try to work with his supervisor to amend the situation. This loan has been a serious financial hardship, with astronomical interest rates, so much so that nearly 10 years after paying it, the loan is still close to the original balance. Navient has mishandled this account, treated me unfairly and made it extremely difficult for me to pay back my education loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: I contacted the billing department regarding the amount of interest charged on my most recent statement. I had questions about the balance amount used to calculate the interest amount. I asked for the rep to help me to understand, but she refused. I then spoke to a supervisor named XXXX. She stated all that she could is open an " adverse action '', their inquiries department will research my concern and send me a letter within 30 days. I stated I am fine with this. At no time did I dispute this account or the balance owed. Less than 30 minutes ago, I received an alert of action on my XXXX credit report. Upon further investigation, I discovered that Belk reported that I disputed this account. This is false.

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 07/21/2015 about Debt collection (Medical) with AmeriCollect (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical debt from XXXX XXXX PA, {$25.00}. Was paid by customer in XXXX receipt # XXXX. Then in XX/XX/XXXX debt was sold to collections and placed on credit report as collections showing past due amount of {$25.00}. Debt was disputed through XXXX and was not deleted as requested. But was marked as account information disputed by consumer. Debt was paid in XXXX, and was brought to the attention of original creditor again on XX/XX/XXXX and was informed that they were working on the issue and that it would be corrected. Credit report was viewed again on XX/XX/XXXX and is still showing past due {$25.00} in collections not being updated since XX/XX/XXXX. This collection should have never been placed on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (PA).
Issue: Problems when you are unable to pay

Complaint: XXXX is saying I returned the vehicle back in XXXX 2009 if I returned the vehicle back in XXXX 2009 that means I would be six months delinquent so my first delinquency would be in XXXX of 2009 and if I was six months behind on a car lease GMAC would have came and repossessed the car but they did n't or my payment history would show when my last payment to XXXX was made be it do n't because GMAC is not showing any Payments made of my credit report or any payment history on my credit so they are reporting inaccurate information to XXXX on my credit report and this should be deleted because it 's been seven years now since I returned the car back into GMAC or it would be seven years from my first delinquency

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 01-07-2017 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My wages are been garnished for a car o purchased 20 plus years ago i was not notified of the garnishment from either payroll department or from the creditors

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 02/24/2017 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I call in every month to make a payment and every time I am immediately asked when I plan on making the next payment. I am a single mom, living payday to payday, and recently I have been off work with an injury. I do not enjoy having someone on the other end telling me to beg and borrow money to make sure the payment is on time. I am always told to sell my furniture, borrow from family, put off other bills, and made to feel like a 2 year old when I 'm spoken too. I hold an XXXX but due to age, XXXX, and living location, I am not in a position to benefit from it. I know this is part of their training because in the 10 years I have been paying, every month I talk to someone different and they all have the same negative attitude. It would be so nice if they would say " Thank you for making a payment ''!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a dispute letter to XXXX XXXX stating the account, they stated my letter did not specify if I was claiming the account as not mine or questioning validity of the account balance. Not true. I have expressed directly with the creditor that I had no knowledge of account from 2007 and requesting validation of the account, not the balance. I offered to pay in full to remove trade line, as the derogatory is harming my XXXX XXXX, even though I am not claiming ownership in exchange to remove from credit reports. The account does not belong to me please remove account from credit reports A fraud report has been submitted.

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 09/30/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I called CITI CARD, and told them I was being shamed by a company called Ignite solution # XXXX, AL. they said XXXX, was being down loaded from my IP address, and possibly other crime .I realized the lie while I gave my card imformation, the rep.from citi XXXX card, said no charges called in XXXX/XXXX/16. I called again on XXXX/XXXX/16 XXXX called back PM that day charges submitted, when I confronted citi card, they said they would investigate/ send to disput department.I have followed there procedure, provided everything asked from me.I haved called XXXX/XXXX/16, was told I have to pay {$400.00} plus interest, i was told I gave card info. I believe they where negligent, by paying this company after I made all them aware of my troubles.I asked them to give me new card # that first call, not nessisary i was told .I was told on XXXX/XXXX/16 they can not do anything about charges, due to me giving card information.

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 09-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I tried to help my son further his education and I was misinformed of all the interest etc. my son enrolled in XXXX XXXX in XXXX. The school has now closed nationally. My son was failing his classes and only needed to 2 months to complete his course. We tried to appeal it and he was informed that he would have to take the whole course again. I have been a single mother since 2007 and I can hardly manage providing a roof over me and my children 's head. I feel I was misinformed. If we went to a community school I know that it would be different. Please contact if you need my acct numbers for the FED LOANS. Thank you Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I have been in my home close to XXXX yrs. I have refinanced at least XXXX times, we have also added room on to the house. We have never missed or been late on a single payment in all these years.My Mortgage co. is M & T Bank. They require me to pay MIP/PMI payment of XXXX included in my monthly payment. I 've been paying this for years and I feel that when you look at my payment history this is wasteful and unfair. Is there help for me?

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: How can you keep saying you vierfied the accuracy of these misleading fraud account I have submitted my documents with the ftc and sent you a copy of these documents. 

Please remove these misleading fraud items off my report before I sue for damages this is beyind sad im going to the FTC and my Lawyer next. 

XXXX XXXX XXXX XXXX please removed these fraud accounts because your lying XXXX didnt verify with anybody

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 01/25/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I got a letter from Convergent Outsourcing , Inc . I live in XXXX now and they are sending it to my XXXX address. They state that I owe {$670.00} for an XXXX account with Convergent Account # XXXX. First of all, I have no idea what this account is. I have never been sent any verification of this debt. I am formally requesting substantiation of debt since I live in XXXX. Second of all, they are requesting that I " settle '' this account for 40 % ; however, they also state that this debt is too old to be sued on. To use the word " settle '' implies that they are going to sue me. This debt has passed the statute of limitations and to me this is a violation of the FDCPA to threaten to sue me an an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Synovus Bank (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (MO).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: What is this complaint about? I purchased a used vehicle with XXXX XXXX dealer in XXXX XXXX MO in XX/XX/XXXX 
I have requested a copy of my paperwork since they are no longer in business. I am given the run around from former dealership, and lender XXXX XXXX XXXX. They denied me my requested " Presentment of proof '' purchase concerning my wet ink signed promissarory note as ofXX/XX/XXXX. 

The problem I am experiencing with the lender XXXX is they denied me a to refinance my vehicle acting as a DEBT COLLECTOR calling my number even when I asked the Collection Agency as XXXX to stop calling. I asked for a deferment do to not working. I was refused and denied then received letters in the mail of someone attempting to do a refinance on my vehicle via XXXX. 

What happened? I am being denied request asking for my original promissory note with XXXX who is the lender to my vehicle. I suspect fraud have taken place with my purchase as a CONSUMER. 

The company as my lender denied me information pertaining to my original wet ink signature promissory contract and I was refused products only to be harrsssed by XXXX COLLECTION AGENCY as a lending institution company. They initiated a banking refinance transaction accessing my SSN and signature unauthorized to change terms in my purchase contract as the CONSUMER. 

The people involved are the CREDIT COLLECTION AGENTS working for the banking lender/lien holder XXXX XXXX XXXX XXXX BB & T Bank. 

My personal information and SSN as a CONSUMER have been unlawfully breached. It 's unfair and unequal practices that have caused me to be XXXX trying to avoid being deceived and ripped off by XXXX unfair banking practices. 

I clearly requested in writing to XXXX and found out about BB & T bank. I clearly requested to state the amount, interest rate and repayment terms of the loan, the date the original note was signed, and the proper legal names of all parties involved. Was only sent via USPS mail of transaction history of questionable payments made. 

In closing, my security data SSN and personal information was BREACHED a second time and verified by XXXX 

XXXX : XXXX I was denied after contacting XXXX to request the original signed promissory note with my wet ink signature, as well as a total account history ( payments, fees, transfers etc ) so I could see what the heck was actually owed and to who.

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 05/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2016 I deposited a check drawn on XXXX Bank, to Wells Fargo in Battleground, WA. 
I use Wells Fargo near my home in XXXX, WA. 
The branch in XXXX gave me a slip that says I could have XXXX of the XXXX in a couple of days, and the rest on the XXXX of XXXX. I told the person that wrote me the check about this and he showed me on his IPAD that the check had cleared his account on the XXXX. 
I called the XXXX branch yesterday and spoke with the manager XXXX, he said he would call Banner bank and see if it had cleared and if it had release my money. He never called me back. I called Wells Fargo customer service and they said they could no help, that the branch that issued the hold had to release it and got them on the phone a few minutes ago, I spoke with XXXX. She said that the issuer would have to show her his statement and she would then release the funds. 
Since the check has cleared, and Banner bank will not discuss the check with Wells Fargo, as I do n't bank with Banner, I have the money I need and earned sitting in Wells Fargo gaining interest for them. XXXX at Wells Fargo said she had no way at the branch that the funds were ready to release to my account. I find that hard to believe, anything you can do to help would be great. As a consumer my money should not be hijacked for 10 days, it 's stealing.

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 09-03-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (ME).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir or Madam, I 'm writing to get some assistance in dealing with Nationstar Mortgage. I modified my mortgage with them in XXXX, which was quite an ordeal because they lost my documents numerous times and caused 9 months delay, causing more interest and they added {$3000.00} in attorney 's fees. They added {$4300.00} capitalized to the balance of my loan at that time to correct the escrow account. There was no shortage until they started adding approximately {$160.00} each month as a cushion to my escrow account. That 's over {$1900.00} a year of my money that they are using. 
My issue with them currently is that they will not allow me to pay my home insurance and taxes directly. A year ago I started paying taxes and insurance directly because Nationsta r was cushioning my escrow account in excess of maximum that the Maine State law allows. I sent them a statement telling them I would be paying directly and why. I asked for a waiver form to cancel my escrow account and proof that my insurance was paid for the next year and continued to request this every month while I also sent proof of my tax and insurance payments. Nationstar is in violation of Section 10 of the RESPA which states the limits on escrow accounts. Please see the XXXX pages of documents I have attached to this complaint to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Closing on a mortgage

Complaint: I paid off mortgage onXX/XX/2017, They had 90 days to return title and deed, I've called Bank of America three times. 
No can tell me when my will be returned document 's. They have had 120 days and counting.

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 09/21/2017 about Debt collection (I do not know) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have made several attempts to rectify this matter with XXXX and Equifax. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Alliance Data Card Services (CT).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX/XXXX/XXXX I was charged two times for camping at XXXX XXXX XXXX XXXX XXXX Ct. Provided paper work to Comenity Capital Bank on XXXX/XXXX/XXXX. I have sent numerous emails to Comenity XXXX XXXX on their " customer care '' web-sight. They have not resolved my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (I do not know) with Genuine Debt Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i was contacted by someome from genine debt solutions station in XXXX. i am all the way in XXXX and i have no businesss with these people. the phone # that called me is XXXX XXXX XXXX and i had been called XXXX after i told ther person on the line that i was not the person she was looking for

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 have filed a report to remove negative information from my credit report with Experian. XXXX and XXXX have removed all incorrect information without issue. However, Experian has refused to remove information even when provided with letters from the debt companies stating the information is not mine. Experian does not follow FCRA and they do not verify information that they report. They do not work in the best interest of the consumer and they consistently allow negative information to remain on your credit report without investigating that information. Dispute Letters Sent XXXX XXXX, 2017, XXXX XXXX, 2017, and XXXX XXXX, 2017. Accounts disputed were : XXXX XXXX XXXX Acct : XXXX {$860.00}, XXXX XXXX Acct : XXXX {$810.00} XXXX XXXX XXXX : Accounts XXXX, XXXX, and XXXX I can provide copy of letters sent upon request.

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 01/16/2018 about Debt collection (Medical debt) with Russell Collection Agency, Inc (AR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Russell Collection Agency INC began calling in 2016 while I was a resident in Arkansas, they are not licensed to collect debt in the state of Arkansas where I still currently live.

Company response to consumer: Closed with non-monetary relief