milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Disputes with credit bureaus XX/XX/2017 Received REFUND check for overpayment from XXXX BUT account was sold to Diversified Consultants {$650.00} listed on credit bureaus Diversified offer the settle and delete when debt was NEVER ACTUALLY OWED! Refund check was proof. 
Settled but debt still remains on credit report and is inaccurate and should be deleted. Pursuant to the fair credit act 609, no signed contract was ever provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I was contacted by XXXX XXXX XXXX on a daily basis for months pressuring me to enroll. I finally gave into their high pressure sales tactics and I enrolled. Shortly after enrolling, I became homeless and could not continue to obtain my degree. My loan is now in default and I do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I XXXX with my XXXX degree in XX/XX/XXXX. I 've had to defer my loans a couple times due to financial hardships. But for the most part, I 've paid steadily for 14+ years on my original debt of {$37000.00}. In XXXX, I went to graduate school which stopped my loans for 2 years, while adding about {$27000.00} in student loan debt. I 've paid on them from XX/XX/XXXX to now, deferring once when I moved overseas for work. At the time of graduation in XX/XX/XXXX, I consolidated all my loans into XXXX : XXXX and XXXX school at a 4.5 % interest rate. I recently checked up on my loans. According to my provider, I 'll be paying on them till XX/XX/XXXX. The amount I will pay according to their time frame from XX/XX/XXXX to XX/XX/XXXX, will be an additional {$73000.00}. My question is : " What happened to all the money I 've paid on the loans? If my crude calculations are correct I will have been paying on my loans for 30 years at the tune of nearly {$200000.00} on XXXX loans for {$64000.00}. Is this correct? Or when my loan company sold my loan to another provider last year, something seriously got messed up? I 'm overseas still for work, and spending hours on the phone in the middle of the night does n't sound like fun to me. Especially, if this is legit and I should n't be complaining. Thanks!!

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 BARCLAYS BANK DELAWARE (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Barclays bank delaware is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.

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 07/16/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I asked for balance of payoff and paid the amount company said I owed. I received a letter confirming payoff but two months later was notified that I still owed a payment. I disputed the amount owed both by phone calls and by registered mail. My only response for two years has been that I owe the " last '' payment. They have now turned me over to collections. 
If I agree to last payment they said I still would owe hundreds of dollars in fees and interest. 
What is my recourse?

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After the Equifax hack, I tried to use the XXXX XXXX XXXX service online ( XXXX XXXX XXXX ) to view my credit reports. Only XXXX was able to provide this information. Both XXXX  and Equifax were unable to complete the request online. I was able to use the phone service ( XXXX ) for XXXX XXXX XXXX to request credit reports from XXXX and Equifax, but given the current activity and service unavailability, I 'm not going to hold my breath. 

Then I tried to freeze my Credit Reports. 

I was able to do it with XXXX ( and paid {$10.00} for it ) by phone, at XXXX. 

Equifax was unable to furnish me any services at all - phone- and web-based services were both down or unavailable - generally after taking my information and validating everything. Phone : XXXX. Online : XXXX XXXX XXXX I moved on to place a 90 day Initial Alert via XXXX 's online service at : XXXX XXXX XXXX using my personal information. I HOPE that this will propagate to the other 2 bureaus, but I do not hold out a lot of hope that this will actually happen.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with Sokaogon Finance, Inc. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: In XX/XX/XXXX, I got a personal loan for the amount of {$300.00}. As I finalized the loan over the phone with a Green Pine Lending associate that assured me and my girlfriend that with interest, he total amount I would be paying back would be {$390.00}. We asked multiple times would that include all fees and everything and the person said yes. We would only pay four automatic payments of {$97.00} every two weeks fromy checking account until the XXXX was paid in full. 

After four weeks pass, ( XX/XX/XXXX ) I expected the loan to be paid off but did not receive a call to confirm. I logged onto my account on the website ( XXXX ) and find that not only was the loan not paid off but the company stated I owed them {$580.00}! And that there were scheduled automatic payments of XXXX that would be taken out of my checking until XX/XX/XXXX. 
After this alarming and confusing information I called the company to inquire into my loan and the associate " XXXX '' on the phone confirmed I owed {$580.00} and that there was a interest charge of {$7.00} dollars everyday charged to my account for " prolonging '' the loan. I informed the associate that the person I originally talked to did not state any of that information when confirming the details. I asked to know who I originally spoke to on the phone and was told their name was on my paper work but I was n't allowed to talk to them and that " XXXX '' would be handling my account from now on. I asked how could I resolve the situation and " XXXX '' the associate stated I could pay {$330.00} flat to absolve the loan which seemed odd considering their was a {$580.00} balance on my account. 
Overall Green Pine lending knowingly gave misinformation to get me to sign a loan with them. I also noticed after talking on the phone with them, I can no longer log into my account on their website as if they blocked me from viewing information on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Managing the loan or lease

Complaint: Westlake financial Services is financing my car loan, I was told by them that they will report my credit to XXXX and XXXX, this was 9 month ago, so far there is not any credit report. Every time I call them they say that they will report it, they have requested me documents that I already sent and still the same, no report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Basically this boils down to a feeling that two nave people looking to better themselves were taken advantage of by predatory lending and now continue to slide down a slope with no hope of recovery. Navient ( XXXX XXXX ) leant my wife and I an exorbitant amount of money which clearly had no opportunity to be repaid. I have lost a home in the process and continue to be handcuffed by a debt we ca n't shrink but have watched grow exorbitantly. I would like to be responsible about getting Navient reimbursed fairly. I am seeking to have all of our loans consolidated and then the interest be brought to 0 % or there about so that my wife and I can work to pay them money owed and be done with them. We have paid nothing but interest for many, many years now and the debts have basically doubled in that time. If you suggest we file bankruptcy as a result I am looking for suggestions and assistance. I have heard horror story upon horror story about people just trying to better themselves being totally taken advantage of by a predatory system of greed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Medical debt) with Credit Counsel, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have no dates other than XX/XX/2017. I have told this collector to stop calling my job and to send me written notice several times and he has done neither. Today when I reminded him again that I have asked him repeatedly to stop calling and that I was going to file a complaint he got spicy and said that he does n't care about me filing a complaint. I hung up and he called my personal line.

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 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My name is XXXX XXXX XXXX. I had a XXXX container delivered to my home at XXXX XXXX XXXX, XXXX Pa XXXX. I lost my job and could not pay. The container was confiscated and a {$1000.00} charge was put on my account. I am not disputing that it is owed by me. The problem is that my son XXXX XXXX XXXX is attempting to buy a house and found out via a lender that the charge is on his credit. Naturally we have XXXX different social security numbers and should not be an issue to change. The account was sent to a collection firm by the name Caine and Weiner at XXXX. I contacted them several time starting a XX/XX/XXXX and asked them to send me a invoice or document that defines the person responsible for paying the debt is XXXX XXXX XXXX not XXXX XXXX XXXX. It has been almost a month. I was told told several different things that I would get something within a week. I have nothing so far and my son is losing valuable time in getting a lender that is aligned with his perfect credit. Please help us. 


Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I 'm having a hard time getting my employer to sign my application for the XXXX Loan Forgiveness. 

I worked full time in a XXXX XXXX XXXX XXXX XXXX XXXX I XXXX  them in a XXXX XXXX. My primary job was XXXX XXXX such as helping them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and skills on how to navigate their XXXX XXXX 


Please clarify : Do I need to have a XXXX XXXX licence to be eligible for the XXXX Loan Forgiveness? It does not say it in the requirements of the application. Am I disqualified from this particular program since I do not have a XXXX XXXX license even though I met all the requirements that are stated in the application process? Please clarify does having an XXXX XXXX  license disqualify you from this program? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016, l checked my checked my credit report. All of my inquires were deleted. I logged in today and now there back on there and my score went down.

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 04-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit agencies Experian, XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 )   addresses are in correct. Only one that should be on file is  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect only one  that should be on their is   XXXX   XXXX   XXXX   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 10/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have monthly payment arrangement with Navient for the amount of {$120.00}. Yesterday my account was overdrawn due to Navient 's attempt to withdraw {$240.00}. I contacted the Navient 's customer service and they stated my monthly charges have increased. I informed agency that I never authorized these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XXXX XXXX, XXXX I ordered cabinets at XXXX 's XXXX XXXX in XXXX, NJ. XXXX XXXX, the kitchen representative at the XXXX XXXX XXXX told me about a promotion that XXXX XXXX was offering for 18 months interest free financing. I applied for the financing and was approved. He then told me that the bill may say that the interest free period is only for 6 months but he would be able to obtain an extension. He then called XXXX at the XXXX XXXX XXXX XXXX at XXXX PM on XXXX XXXX, XXXX and was told that by the XXXX bill the extension would go from 6 months to 18 months. 
Apparently the extension was never processed properly and my interest free period expires today, XXXX XXXX, XXXX. I contacted customer service as well as the " Executive Customer Service '' team at XXXX XXXX several times over the past 6 months. They responded by saying " Our office can not authorize this. '' I will now be charged interest from XXXX XXXX, XXXX to the present. Unfortunately I can not afford to pay off the balance and this additional interest is an enormous financial hardship for me. Especially one month before XXXX. And to add insult to the situation my kitchen project is still not complete. 
Please do not trust XXXX XXXX for any financing or XXXX XXXX needs.

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 12-02-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX began reporting a debt they had acquired on my credit report without following section 806 of the fdcpa. I have disputed it on the grounds outlined by the FDCPA that I was not notified within the first 5 or 30 days of reporting but to no avail. It is currently being disputed by XXXX 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 explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have on several occasions requested my Annual Free Credit Report from TransUnion. The request was made twice in writing and twice on the telephone. In the last letter I received, dated XXXX/XXXX/XXXX, they stated Our records show that TransUnion has provided you with the file disclosure ( s ) you were eligible to receive free of charge within the past twelve-month period. I have not received a copy of my report in the last XXXX years. What I do received from TransUnion is a weekly email soliciting membership, which includes credit report information for a fee.

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 08-06-2015 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other transaction issues

Complaint: Merrill Lynch Wealth Management is throwing obstacles so consumers have difficulty accessing their own funds. On XXXX/XXXX/2015 I went online to do a wire transfer. I input correct B of A account and XXXX numbers. I called M-L to complete the transaction. Several times they tried to transfer me to a financial advisor ; finally I convince them to do the transfer and they confirm is it complete and should fund within a day. XXXX/XXXX/2015 funds are still not in my account. When I call, they say B of A rejected the transfer saying the account does n't exist. I recheck my online data for the transfer and it is all still correct. M-L says they can not show me the notice from B of A rejecting the transfer, that it is a 'backroom ' process. I convince them to do the transfer again, and they finally do. I believe M-L fraudulently stopped my transfer to keep funds in their company ; they did not contact me to let me know of any problem. Clearly, there should be no problem because the numbers on record for wire transfer in my Merrill Lynch Wealth Management account are correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: i had to choose one of the above -- the agent did not use obscene or profane language -- just tried to use intimidation tactics- when she was asked for documentation of the underlying debt- see below I was authorized by my mother to try and settle this debt-my mother did n't remember ever getting the att alarm service this stem from- as she has had XXXX since XXXX when i asked to verify the debt XXXX at sunrise debt- said that if she gives me that information- her settlement offer will be off the table and the full amount would be due- and that she would make a note that i refused to pay the debt. i am not even the debtor- my mother is.. then i asked for a supervisor - she said she had none- i got a bit upset- may have taken a bad tone and it took much work to finally get her to let me speak to XXXX- her manager- i explained to XXXX- that her age XXXX threatened to not settle the debt -- just because I asked for something that i was legally entitled to .... the phone number for sunrise is 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 explanation
Consumer complaint received 02-03-2018 about Debt collection (Medical debt) with Senex Services Corp. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: S enex Services replied to your company with false information. Validation was not performed. They never produced anything with a signature by me nor a contract! In fact they violated my HIPpa rights and I demand that they remove this from ALL CREFIT REPORTING AGENCIES. I PROVIDED WHAT THEY SENT AND NOWHERE IS MY SIGNATURE OR ANYTHING THAT VALIDATES THIS DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation