milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I would like to upload you my loan statements so you can see how my payments have been misappropriated on my Parent Plus Loan. The times I 've called for explanation, the person answering the phone sounds like a college student and the only advice they give me is to " make larger payments on the principle and you 'll see the balance go down. '' I had complained several times that my balance owed NEVER GOES DOWN even after making regular monthly payments of $ XXXX/month. Last month they notified me that my monthly payment is going up. Early on they dumped {$10000.00} of capitalized interest into the loans which were in deferment while my son was in school. At least 21 months they applied none of my payment to principle, only interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Medical) with Central Portfolio Control Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX, this debt has been paid directly to the original creditor so this debt is invalid. XXXX, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening.

Company public response: Company chooses not to provide a public response
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 EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax, XXXX  and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A collection agency put my ss number to someone else name and charged me as the account holder which is not true dci consultants and they are horrible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (CO).
Issue: Loan modification,collection,foreclosure

Complaint: They are reporting negative history to my credit report for a debt they purchased from XXXX XXXX XXXX on XX/XX/XXXX. That debt was included in my Bankruptcy that was discharged in XX/XX/XXXX. It 's now showing up as a recent ( XX/XX/XXXX ) charge off. I called them directly and they referred me to their collection company XXXX to resolve an issue they never should have charged off. They never should have purchased it to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Several times I have tried both online and via phone call to get my FREE credit report from Equifax. Today, XX/XX/2018, I tried again with no success. 

When I called Equifax 's number, XXXX, I was told I needed to get my report through XXXX XXXX ( NOT Equifax ). I was unsuccessful setting up a XXXX XXXX online account due to problems with their website, so no report was sent. 

When I tried to get an online copy from Equifax, www.equifax.com/fcra, I was denied ( no reason given ) and was given instruction to contact Equifax. Contacting Equifax just puts me back to creating a XXXX XXXX account. It 's a loop to no where.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2018 I sentva debt validation letter to the company asking them to validate the stated debt, that is not owed to send me original signatures and items used to validate the debt not verify or the company will be in violation of the FCRA Buy reporting in In accuracies on my credit report.

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 10/13/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015 : This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: Auto loan for a XXXX, Account Number XXXX that was a total loss on XX/XX/XXXX. There is a GAP insurance problem I have been unable to resolve with Ally Financial. The car was purchased on XX/XX/XXXX. I am the buyer on the 72 month auto loan and my son XXXX is the co-buyer. Ally claims that GAP insurance does not cover losses if the loan is extended. I never extended the loan, but Ally extended it 5 times, despite me sending them written notification not to extend the loan. Ally claims that the co-buyer can extend the loan without the buyers permission. I dispute that because my written contract does not state that. Ally charged off the loan and sent my account to a collection agency. There is nothing in New York State contract law that supports Ally 's position.

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 11/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On Friday XXXX XXXX at approximately XXXX XXXX I visited a bar in XXXX. The bar required a cover so I had to use my debit card to withdraw money sufficient to cover the bar cover. The bouncer was standing directly next to me and watched me enter my PIN. I entered the bar and opened a tab. 

A few hours later I attempted to close my tab and the bartender informed me I did not have a tab at that bar ( there were several bars in the restaurant ). I search the bar and give up around XXXX XXXX intending to return when they open the next day at XXXX XXXX on Saturday. I return home and sleep until the morning. 

The bar closes at XXXX XXXX. Around XXXX an XXXX XXXX male ( matching the description of the bouncer is seen withdrawing cash with my ATM Card. I later reported the incident to the XXXX who were able to pull this video to verify my story. The same person then drives out to the suburbs of XXXX and in the preceding hours spends over XXXX at XXXX, ATM 's and XXXX. 

I notice my account has been drained around XXXX XXXX when I am heading to the bar to try to recollect my card. Chase Bank froze my account and informed me I would need to go to a branch to report the card stolen on Monday morning. At no point did Chase call me or attempt to verify the transactions. 

Upon reporting the card stolen the charges were temporarily reversed. However, later they determined the charges were permitted due to : 1. A clerical error in the first person submitting the charges and only submitting one instead of all of the charges, 2. The physical card being used with the PIN and 3. The charges taking place within 100 miles of my place of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: this dispute was put in to exsperian and the othe XXXX credit reporting agencies and they keep associating me with other people of the same name and reporting wrong information on my report XXXX XXXX XXXX in XXXX nj and a judgment against me that does not belong to me i have called and spoke with them .I have never lived at this address and the information that they are reporting doesnt belong to me and they wont remove it.

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 09-01-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: Shellpoint has been servicing my mortgage for approximately the last two years. They have repeatedly made mistakes with the escrow payments. This is the most serious. 

1 ) They informed me that the earthquake insurance policy was paid in XXXX or XXXX. 
2 ) I found out it was not. They had never sent a check. 
3 ) XX/XX/XXXX : They sent a check to pay the insurance premium. To the wrong address. 
4 ) Week of XX/XX/XXXX : After being informed that my insurance company had not received any money, they claimed it was still in the mail and I should just wait. I told them that was not acceptable as the policy was going to be cancelled if payment was not received. At this point, I found out they had sent it to the wrong address. 
5 ) They promised me they would overnight a payment to the correct address on XX/XX/XXXX. The tracking number indicates that they provided indicates that they have not done so. Now they are saying they are still waiting for the check to be approved and the earliest it will go out will be XX/XX/XXXX. My insurance policy will be cancelled on XX/XX/XXXX. 

They have fraudulently collected money from me to pay for an insurance policy that they have not paid. 

The latest emails they sent me are attached.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CO).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: On XX/XX/XXXX I did apply for a Cash Wise credit card from Wells Fargo. I am already a customer of Wells Fargo, so I applied after logging in to my account. The application was instantaneously approved, I received an email about teh approval on XX/XX/XXXX. My online account reflected that this was opened. I was also seeing on my credit report that a hard inquiry was made about my credit, which made my score drop from XXXX to XXXX. 

On XX/XX/XXXX I noticed when checking my account, that the new account was showing that it was closed. I contacted Wells Fargo thru the website, but was told, they would not answer online. 

On XX/XX/XXXX I called them. ( I am currently travelling so this was an interantional call and I made the agents aware of that ). All together I was transfered to 5 different agents and had to give them all my details again after each transfer. It was annoying and expensive. 

Finally XXXX XXXX XXXX from the Credit Executive Office told me, that her office and the fraud division had decided that my application was fraudulent. I asked, why they would not inform me about this? I did n't get an answer. I also told her, that I want to file a complaint with the regulatory body in charge and asked her, whom I would have to contact. She said, her office was the highest authority and there was no address she could give me. I also wanted a written appology and explanation, why my account was closed. She denied that. 

She promissed me that they had initiated procedures to eliminate the hard requiry from my records at the credit agencies, but this would take time. I would not get confirmation by Wells Fargo about the successful removal, but would have to check that myself.

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 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Brennan & Clark, Ltd., LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have been receiving numerous threatening phone calls and messages from this collection agency Brenman & Clark and when I finally decided to talk to them, the person disclosed personal information about me that I was very uncomfortable with. For a moment I thought it was a scammer. This person was extremely rude, threatening and continues to harass me.

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 04-01-2015 about Debt collection (I do not know) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid with XXXX assistance and went to collection hospital says I do n't owe it I faxed proof to company all ready and still will not put it as paid company will not accept my proof bills are from XX/XX/XXXX though XX/XX/XXXX the person I talked to was unwilling to try to help and said I owed it no matter what but I have never received no bills to this matter just found on my 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 11/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I had filed an dispute with TransUnion on XXXX, advising them that the statement they made on my credit report saying hard inquiries stay on my credit report for 2 years and 1 month is false. 
The statue states that hard inquries remain on a consumer credit file for 2 years. 
TrannsUnion never responded to my dispute. The following inquiries are on my credit report. 
XXXX XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX and XX/XX/XXXX : requested on XX/XX/XXXX. 
TransUnion never responded to my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX XXXX is claiming that I owe {$540.00} for an XXXX account that does not belong to me. Im a victim of identify theft and have taken the necessary steps in order to clear my name. I was told that the account is now with XXXX Pressler and Pressler LLP who filed a lawsuit against. 

I was never notified of said lawsuit or presented with proof that shows the account belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed GLA a letter on XX/XX/2015 asking them to remove the comment " customer disputes this item '' I can not proceed with a mortgage with these XXXX collects saying this. On XX/XX/2015 a GLA person contacted me about paying the XXXX collections. 

I told her that I might have paid these collections through the XXXX dept XXXX. XXXX hospital sends my unpaid bills there most of the time. 

I have had XXXX about 10 years ago. I have to have bi-annual XXXX with them. Sometimes I just ca n't paythe amount I owe right away. 

I spoke to GLA today, XXXX about paying the XXXX collections and a lady tells me there are XXXX more collections I owe. That are being reported on my credit that I am not seeing? 

Is she kidding me? GLA never mentioned these XXXX other collections before? Is this a collection scam? She never offered my any proof of the bills/collections. Just said I had to pay them along with the XXXX I am aware of. 

So this is what they call scamming the elderly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Resurgent Capital Services, which I hold no contract with & have never had any business affiliations with, reported a collection to my social security #. A debt in the amount of {$1800.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Resurgent Capital Services has failed to provide adequate proof.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Student loan (Private student loan) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: We are filing a lawsuit in the amount of XXXX $ against Citi Bank. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. 


Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT.

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 05/27/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX, i am a XXXX post XXXX veteran, my husband is a senior citizenI Was working with XXXX XXXX on Modification XXXX XXXX for nearly 2 years. He just got indited on for-closure fraud. My mortage has ballooned, I am 1000 % upside down loan to value, Experienced decrease in Now I am attempting to handle this process myself. I just would like for some protection for my case to ensure that Bank of America comply with all Federal, State, and Local regulations assistance due me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (FL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: I contacted XXXX XXXX  XXXX on XX/XX/17 to make a payment on an old account that was closed out with them. I learned that it was closed due to fraud which I had no recognition of. A XXXX  XXXX XXXX representative in their recovery department advised me that a letter was sent to Early Warning Services to remove the negative notation and that the money I paid was accumulated overdraft fees. I then contact Early warning a couple of weeks later and was advised that the bank only updated the account as paid, but still left the negative remark associated with the account. I sent in papers showing proof that I had no knowledge of what occurred with the account which is why I was advised that all negative remarks would be deleted but this hasnt been done. Ive been waiting to open an account and this is hindering me from doing so. XXXX XXXX XXXX is not complying and so is EWS ; both companies are sending me back and forth between the two of them.

Company response to consumer: Closed with explanation