milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2017 about Student loan (Private student loan) with DISCOVER BANK (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: My complaint is regarding Discover Student Loans. I receive 6+ calls a day EVERY DAY from 2 different  numbers regarding being delinquent on payments to my loan. This starts as early as XXXX until as late as XXXX. These calls start even when I 'm only a day or two late on my payments. I have tried to speak with the company numerous times but they have all told me that they ca n't do anything about it because it is an auto-dialer. I have tried to work with the company to lower my payments but again, they told me beyond getting a forbearance, they are unable to lower my payments. I have had to block both numbers from my phone just to avoid being bothered by the calls while at work.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I  XXXX   XXXX  believe in the credit reporting system, but there are several issues that need to be addressed by the Federal Trade Commis sion ( FTC ) and the C onsumer Financial Protection Bureau ( CFPB ) to correct the debt collection process, and the abuses that can harm a persons credit ratings without legal standing. A debt collection agency known a s Portfolio Recovery Associates, LLC ( PR  A )  has posted several items of collection against me personally that can no longer be enforced by lawsuit within the state of New York. The creditors themselves deleted the original items from my credit reports since their existence became obsolete based upon the Fair Credit Reporting Act ( FCRA ) 7-year rule applying to outdated deb ts. Portfolio Recovery Associates ( PRA ) has  no standing to attempt to collect on debts that are no longer enforceable within my state of residence, not reportable on credit by FCRA guidelines.   PRA has posted and continues to post on my credit bureaus collections for the following outdated accounts :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( ORIGINAL HOLDERS OF   XXXX    XXXX  BANK ACCOUNTS ) This means th at PRA is posting the same accounts twice Attachments of all of these collections are attached. PRA showed  no physical proof of attachment that they were in possession of purchasing these debts, or approval from  XXXX   XXXX  that they had permission to collect on said debts. PRA collection the information on these accounts through a debt-pooling arrangement that should be deemed illegal at some point by the FTC.  <P/> PRA has no other recourse but to delete all references on all collections with each credit reporting agency, and to send a letter on each case that the information has been purged. I will submit an additional complaint with the Office of Attorney General, state of New York to investigate illegal collection practices such as those procured by PRA against New York residents.  <P/> THESE ITEMS MUST BE DELETED IMMEDIATELY & PERMANENTLY!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My house is newly built and only 6 months old. I requested my mortgage company to take off PMI as I paid off 80 % of my loan amount in XX/XX/XXXX. They requested for an appraisal. My house was bought as new construction in XX/XX/XXXX and since then I had no major/minor repairs/issues with my house. I also added a beautiful deck this XX/XX/XXXX. Now in XX/XX/XXXX the appraiser did the appraisal and got all wrong facts about the house in their report and provided a low estimation. My community is newly constructed and there are same type of houses that are being sold at higher price than mine and total home values are appreciating as community is building swimming pool, play ground, garden, etc..but I am not understanding how my house value goes down. I called Nationstar Mortgage to get details and they are blindly going by the incorrect appraisal report without even verifying the facts about my house. This is creating lot of trouble and they are asking ME to pay dawn another XXXX to take off PMI. I think this process is incorrect and there is something doubtful about how Nationstar is handling the PMI cancellation requests. The appraiser they are using or partnered with is not keen and is doing appraisals in favor of Nationstar and not as an independent appraiser.

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

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (I do not know) with ERC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was called last week ( date not remembered ) by someone asking for my name but would not identify themselves or why they called ; other than they were with ERC. 
I asked this person to stop calling. NOTE : I do not have debt in collections ; I pay all of my bills " on time ''. Two weeks ago I was called by someone from ERC. 

On XXXX/XXXX/XXXX I received another call from the number identified in my caller ID. 
I went on-line and Googled the number. It is for " ERC '' ; a debt collector. 

I have asked that they never call my number again - but it has not worked for me. 

I am a senior citizen and wary of " SCAMS ''. I believe this is a scam because I do not have any debt in collections. I have severe XXXX XXXX XXXX, XXXX, XXXX XXXX conditions, etc. Please make these people stop harassing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 2 unauthorized credit inquires on XXXX credit report.

My information was compromised from XXXX data hack.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo as mortgagee : I applied for modification, took nearly a year. The offer came back higher than my original payment prior to mod application They WF took a deferred second from a previous mod of $ XXXX plus and added it back into principal and tho the rate was lowered from 4 to 3.75 the additional principal obviously increased my payment I dont get where the RELIEF as in the word implies modification should increase my mo payment and WHY they would even think about adding back that large amount of money in my effort to seek RELIEF My PAYMenT WENT UP!

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 10/15/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Other fee

Complaint: I enrolled in autopay for Belk Credit Card. I received confirmation of enrollment in program via email. When bill was due they charged an interest fee and late fee and did not make authorized payment.

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 03/23/2017 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had my XXXX in XXXX 2012 and received the XXXX bill shortly after. I paid the bill. I never heard anything again until last week ( XXXX XXXX week ) when i received a letter from a collection agency. I work out of state and I can not pinpoint the exact date the letter came. I opened it XXXX XXXX and called them XXXX XXXX. They said I was invoiced 3 times and never paid according to their records. I know I paid the bill but to go back to research it the bank charges more that the bill was for the copy of the cancelled check. The bill is for XXXX. I know for a fact that it is paid and i think this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have asked for proof of this money the company the say they bought {$1100.00} is  XXXX   XXXX  and yet there is not record or proof on any of my credit reports and I have asked for a letter from the original debt and them and have received nothing to prove its mine PORTFOLIO RECOVERY ASSOCIATES Last reported :   XX/XX/XXXX     - {$1100.00} Needs Attention Overview You 've paid off 0 % of your collection amount.   Balance {$1100.00} Highest Balance {$1100.00} Opene d XX/XX/XXXX ( 3 m os ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been trying to get my loan with Navient resolved for a long time. During that time, they continued to tell me to keep my loan in forbearance while trying to figure how to pay my loan. I did notive how much my loan was capitalizing in interest until recently. For the past 8 months, I have submitted applications for forgiveness as I am a teacher and for an IBR. 
Navient eventually told me that I needed to consolidate my loans and use XXXX, which I have recently done and am still waiting for my loan to get on an IBR so that I can try and work towards PSLF. The problem is that my loan has accumulated so much interest that it is not manageable and even on a IBR it will negatively amortize. 
I am finally in a place where I can started paying my debts back but while with Navient has doubled my loan, which means on an IBR my loan will end up being high after 25 years of paying it than it is today and this is the loan program they are saying is in my best interest. They is XXXX and Navient. 

The interest accruing is over XXXX a month at this point. I need help. I have just started paying the interest because I just put it together that what is being advised by the servicers is not in my best interest and is putting me in a perilous situation. 

Please help. I want to start paying my principal down and do n't know how to with such a high amount of interest accruing from the loan being in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: Hello, XXXX. I did XXXX deposit XXXX XXXX Eur XXXX into Coinbase but I did n't include the reference number and money is n't on my coinbase account. I have been chatting online with coinbase but its only comes with automatic reply. 

Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: this problem began in XX/XX/XXXX, my wife took out a mortgage with XXXX XXXX XXXX  with an interest rate of 10.5 percent and ceiling of 17.5 percent and they quickly sold the mortgage to XXXX XXXX and that is when the problem began. I hired an attorney from XXXX XXXX, XXXX XXXX, and when it came to going to court XXXX XXXX sold the loan the day before the court date to XXXX. to make a long story short the day before XXXX was to show up for court they sold the loan to XXXX XXXX XXXX. and it started all over again and XXXX XXXX XXXX sold the loan to Select Portfolio Service ( SPS ) the day before the court date. SPS has had the loan over 2 years and in trying to modify the loan to get the interest rate in line I have never talked to the same person twice. we filled out all the papers for the modification and before they could get back to us certain parts were outdated and had to be redone. Eventually they accepted the modification after two years of fighting to get it done but we have yet to receive anything in writing pertaining to the modification and have not done anything in a timely manner and the people we spoke to at SPS ( who was never the same person ) never noted the file and we had to repeat everything again. they say they have everything needed for the modification and a decision will be made in 30 days. We hired XXXX XXXX XXXX XXXX out of California who stated they looked at the files and feel it is predatory lending and forclosure fraud by all of these companies. they doubt if any of these companies ever recorded the change in going from one bank to the next.We have been in this house since XX/XX/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 10/15/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX item be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
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 requested that  XXXX ,  XXXX , Experian remove a judgment  XXXX  on my credit report, whereby this judgment has since been paid and it was vacated in Marylan d ( courthouse ). However, as of  XXXX 2017, this judgment still remains on my credit report. I made a seco nd request to  XXXX ,  XXXX , Experian on  XXXX .2017, requesting that the credit reporting agencies remove this item.

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 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In rebuilding my credit, I 've opened  XXXX  accounts w ith Capital One and  have never missed or had a late payment.     For reasons unbeknownst to m e, Capital One r estricted my last open account without disclosing any information why on a Saturday in  XXXX . My card was simply unusable.     Upon callin g Capital One, the c ustomer service rep informed me that s/he was unable to help as it was a weekend and that I would have to wait until Monday to speak with the fraud department. After waiting through the weekend, I called on Monday to the fraud department. They informed me that there was an " internal investigation '' and my account would be on hold for up to 30 days. When asked why, they said there was no further information they could give me and were unable or unwilling to escalate my call to a manager.     I called almost weekly as I still had not received any information from  Capital One.  On  XXXX   XXXX , after receiving a call fro m Capital One ( the *first* contact from them on their end ) w here the fraud representative said she still did not understand what was going on with my account and she 'd update me in a week, I went online to check my account.      Capital One ha d closed my account on  XXXX   XXXX  and, again, never informed me, or even informed their fraud department, as the individual that called me still said that she was unable to see any information on the account.     I called in again and would n't get off the phone until they transferred me to a supervisor, even though the rep advised me that " they wo n't be happy that I 'm transferring you. '' After being put on hold, the supervisor said that due to an internal error they closed my account, having nothing to do with me, my payment history, or my credit, and that the decision was final and I should be receiving a paper notice in the mail within the next week.     To be clear : no matter if you make your payments consistently and on time, never ONCE have a late payment, and have more than one account with them ( I also have a car loan and other credit accounts -- ALL in good standing and not one ever having a late payment ) Capital One can and will just close your account, never inform you, and then, after 45 days of no contact or explanation, state that the agreement you sign says they can close your account for any reason.     This is unconscionable behavior for any company, let alone a company with the power to control and rate, your credit. Beyond disappointed in ho w Capital One treats  their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (I do not know) with NCC Business Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: the collection agency NCC, phone # XXXX, repeatedly call my number and asks to talk to someone that is not me? 
I informed them that I am not the person they are trying to contact and requested on several occasions to not call my number and, to remove my contact information from their files. 
I spoke to a supervisor, XXXX XXXX and informed him of their continued ignoring of my requests. They continue to call with being very verbally abusive with using threats & foul language. 
Now I have resorted to do the same behavior. 
They have called on the following dates & times ( cst ) XX/XX/2016, XXXX cst ; XX/XX/2016, XXXX ; XXXX, XXXX ; XX/XX/2016, 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 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Original stated source of Debt : XXXX XXXX XXXX in XXXX Ohio National Credit Systems has failed to provide any information that a debt is owed. NCS has XXXX debts XXXX for {$500.00} and the other for {$100.00} totaling {$600.00}. Neither amount reflects any amount owed orobligated to The Chesterfield by me. The only factual information is that I did live at XXXX XXXX XXXX in XXXX to which they advise is the original source of the debt. I do not and did not owe XXXX XXXX any monies for any reason when I moved. They failed to provide upon request any factual basis for the claimed debt owed. They continue to report to the Credit bureau false information about the debt being owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (I do not know) with Omega RMS, LLC (MA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Other agencies submitted documents to me stating that Omega-RMS, LLC is allegedly handling an alleged debt tied to my person XXXX XXXX XXXX. I have no idea who Omega-RMS, LLC is and they have never provided me with any type of documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Mortgage (Conventional home mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (NJ).
Issue: Closing on a mortgage

Complaint: I closed on a house recently with PRIMELENDING A PLAINSCAPITAL COMPANY. During the disclosures, the loan agent ( XXXX XXXX ) asked me to sign another disclosure without clearly explaining the reason for it. I signed it and asked the agent on the phone why some charges were higher. He indicated that these charges will be adjusted in the final disclosure. He never indicated to me or disclosed to me that those charges were for a rate lock extension and will never be taken away. Finally, a couple of hours before the closing time on the closing date, he mentioned to me that he can not take those away because they were for the rate lock extension. 

Upon closing, I raised this issue with his boss ( XXXX XXXX ) to get a refund for the charges that I should have never paid. He pointed that I would have to provide written proof of XXXX XXXX agreeing to the rate lock extension charges being waived. I provided him what I could find at the moment. But was asked for more written evidence. He did not agree to provide me with a refund of the interest rate lock extension fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Consumer Loan (Vehicle loan) with UNITED ACCEPTANCE INC (PA).
Issue: Taking out the loan or lease

Complaint: this account do n't belong to me please remove off my name

Company response to consumer: Closed with explanation