milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: We have several issues. According to Navient we took out several parent plus loans for our Daughter through XXXX. We signed only for XXXX in the first year, but according to Navient, there were more loans taken out, including when she was not attending XXXX. We asked for copies of the loan documents and all we received were one page docs, with my name typed in. Also the amount of the loans ( not counting interest ) far exceeded her tuition by two years. When we asked XXXX for copies, we were told they could not release them ( after they asked us if we were attorneys ). We were given a Navient Fraud Hotline which tells us that it is temporarily unavailable and to call later and then disconnects. Lastly, our daughter is and has been on XXXX and supposedly has had her loans forgiven, which makes the amount that I owe even crazier.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: Capital one could n't find a record of the card in question

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (Credit card) with TrueAccord Corp. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being contacted that I owe a company money who I never heard of, it is for a product I bought once but paid then and there so I 'm confused to the price of what it is saying i owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold from XXXX XXXX XXXX to Nationstar Mortgage. I never received any information from XXXX about the sale until it already had happened. When my wife attempted to contact Nationstar about our payment ( since it was XX/XX/XXXX ) they told us that they did not have our recorded updated so they could not accept a payment. They said we would get notification when everything was in place to make the payement. The notification came on XXXX XXXX and said that we were overdue on our payment and a late charge was assessed. When we contacted Nationstar they stated that the payment was due on the first and we were overdue. My wife explained the situation of what happened and was treated poorly. When she asked to speak to a manager she was informed that they did not have one. She attempted to pay the amout due and was told that she would still have to pay the late charge plus a fee since she was paying over the phone. She said that she would mail the amount but refused to pay the late charges due to the fact that it was an error on their part. Soon after we started receiving notices that Nationstar was starting paperwork to forclose on our house. How can this be legal? We have n't been with them a month and already getting notices of forecloseure. We still never received any other information from the company other than a bill. I would expect to receive information about my loan to verify there is no changes, a list of contacts and numbers to call for any questions, and something about the company that now has this very large loan against me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account # XXXX I called on XX/XX/XXXX and spoke with XXXX XXXX, I informed him that I had send multiple request to validate this debt as I did not recall it. He reviewed the information that they had on file and noted that the service address was an address that I have never lived at. He closed the account as fraudulent and let me know that the information would be updated with all three credit bureaus immediately. 

I called them this morning XX/XX/2017 to get a status update as the credit bureaus have not received anything stating that the account needs to be deleted. I was told by the agent that this information has not been sent to the credit bureaus. The agent acknowledged that the account was closed as fraudulent but still reporting negatively to my credit bureas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have been incarcerated since XXXX/XXXX/XXXX I have inquiries 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 non-monetary relief
Consumer complaint received 06/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I HAVE APPLIED FOR MORTGAGE ASSISTANCE AND I BELIEVE THAT MY SERVICER, SLECT PORTFOLIO SERVICING ( SPS ), DECLINED MY REQUEST. SUBSEQUENTLY I APPLIED FOR A SHORT PAY. SPS WAS PROCESSING MY SHORT PAY REQUEST AND WHILE PROCESSING MY REQUEST, SPS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2015. NO WRITTEN DECISION ON THE SHORT PAY REQUEST HAS BEEN ISSUED BY SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Other transaction issues

Complaint: I used Venmo ( owned by Paypal ) to transfer money to my spouse. The transfer was halted and Venmo kept my money but did not explain why. I received no information regarding my fund transfer until a month later, when I initiated correspondence. I was asked to submit some additional documentation because the transaction was flagged for a potential XXXX violation merely because I used the word " XXXX ''. I submitted " evidence '' about my use of the word XXXX and rather than review the documentation and determine what action thy would take, Venmo continues to keep my funds and have not provided any information-2 months later. Mind you, under law, they are supposed to keep the money in an interest bearing account and report the transaction, but I do n't think they know what they 're doing. It 's been one confused response after another. 

I expect my funds to be either transferred or returned, with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.

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 07/20/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX Collection Associates XXXX XXXX reported misinformation on a bill. 
The actual amount, that were paid, the actual amount of the bill, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Conventional fixed mortgage) with IBERIABANK (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my mortgage on XXXX XXXX with the XXXX payment being due on XX/XX/XXXX. Soon after I closed, as I expected, I received a letter saying my loan would be sold. I thought this would occur before the first payment date ; however, it did not. On XX/XX/XXXX, I went into a branch to make my payment. The teller told me I could indeed make a payment in the branch and attempted to pull up my account. She could not locate the account my my account number or ssn. She called the asst manager who also attempted to pull up my account, but she could not find it either. She called the mortgage servicing department who said that the payment had to be mailed. I asked if I would receive credit for making the payment on XX/XX/XXXX, and I was told I would. The asst manager mailed the payment from the branch in a bank envelop. The payment was received and posted, but to my surprise, it was posted effective XX/XX/XXXX. I contacted the bank because I felt that this was unfair, and I should not have to pay for an additional 7 days of interest when I attempted to make my payment on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX XXXX XXXX! Is my ONLY address

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 09/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I opened my checking account with Chase on or about XX/XX/XXXX and I paid extra to have a line of credit as overdraft protection. I 'm also in the XXXX and have had difficulties getting the automatic deposits on time so in the past year I have had overdraft fees because the line of credit had been near the maximum. Luckily after explaining the issue, Chase has refunded XXXX of the fees. In order to avoid this problem, I saved up and paid off the line of credit of my overdraft protection so that in case something happened and I went over the limit the line I would be protected. My line of credit has been paid off for 3 months now to protect myself. 

This Monday ( XX/XX/XXXX ) I made a credit card payment knowing that I would go over the limit but trusting that the line of credit was empty and would protect me. I was shocked to find out that chase had cancelled the line of credit overdraft protection without telling me. 

I called Chase and they told me that they discontinued the line of credit and that the only protection I could have was by opening another account with them. I told them I did n't want a new account but I wanted the line of credit I had paid for and have had for years. They said that I can only open a new savings account. I told them that they should not force me to get a product I do not need or want because that is what got XXXX XXXX in trouble. They told me it is company policy. 

I told them I was a military member and that I would file a complaint for this unnecessary upselling. They told me to do as I wished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2015 about Debt collection (Mortgage) with Franklin Credit Management Corporation (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Franklin Credit Management is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (RI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I 've been considering upgrading my current credit card with Chase. I decided to browse the offers available to me ( and linked to my current Chase account ), under the impression that these offers were an " upgrade '' and not in addition to my current account. I applied for an offer, and was told they " needed more time '' to evaluate my credit, and received an email immediately from Chase with the following text : " We have received your request for a Chase credit card. We 'll let you know our decision by U.S. mail. This could take up to 30 days. '' Realizing that this would be an additional card on top of the cards I already have after some quick research, I called Chase directly to ask if I could withdraw the application -- no less than 20 minutes after my initial application -- and asked to cancel the application. They told me that despite the email and the initial prompt from the website indicating, my application had already been denied. ( Though upon more careful review, the email seems to be just a note saying that they will deny my application -- not that they are reviewing it -- but that they will do so by mail. ) I know that the " hard inquiry '' will negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I submitted a request for XXXX XXXX XXXX via XXXX, a phone system that allows submissions to the three big reporting agency during a single call. On XX/XX/2017 at approximately XXXX  pacific time I submitted each request while on the phone call and received a confirmation for each submission. 

Within 10 days I received my report from XXXX. 

After a month TransUnion and XXXX have refused to supply the report. 

This has been the pattern for several years now AND TransUnion and, particularly XXXX contain the most false information about me and provide the most resistance in correcting the information ( ie incorrect names, false addresses, false financial transactions ). These two companies draw this process out for 6 months and more.

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 09/19/2016 about Debt collection (I do not know) with Ability Recovery Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested debt validation information from Ability Recovery Services and they have failed to send me any information. They are reporting this on my credit report and damaging my ability to secure credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ECMC Group, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX, sitused in XXXX, Indiana, has a collection agency contract with the Indiana Department of Revenue. By statute ( specifically Ind. Code 6-8.1-8-4 ), the Indiana Department of Revenue may hire special counsel or a collection agency to collect judgments from tax warrants ( let me add emphasis that the collection agency bit ONLY relates to judgment by warrants -- a point I will get to a little later ) ; however, the statute does not say that a collection agency can stand in the stead of the Department. 

Premiere takes the position that it IS the Indiana Department of Revenue when enforcing this debt ( they work on a contingency basis -- less than 11 % ) and does not follow ANY of the provisions of the FDCPA. Their contract, evidencing the contingency fee is online. 

More specifically, on Tuesday, XXXX XXXX, XXXX, they initiated the first-contact with the debtor. Debtor was informed that she had 24 hours to agree to a payment agreement that consisted of approximately $ XXXX over a 4 month period. If debtor did not call back in 24 hours and take this deal, they would merely garnish her wages. 

There was no initial letter substantiating the debt. There is no opportunity for her to challenge the amount owed. There is no notice that lays out which portion of the debt is the tax owed or the collection fee. Nothing ... nada. Just " you owe this '' and if you do n't agree ... .bam. 

As if that 's not offensive enough, let 's walk through that whole judgment arising from a tax warrant. The Department of Revenue 's own interpretation of that statute is, " DOR may contract with a collection agency if an unsatisfied Tax Warrant has been issued by DOR ... '' and " Tax Warrants not collected by a sheriff in 120 days may be sent to a collection agency. '' See page XXXX of their contract with Premiere, accessible here : XXXX A tax warrant is actually recorded in the country where the debtor owns property or lives. And, a collection agency is " paid '' by " filing an amended warrant ... and adding the [ collection ] fee, '' which is predetermined by the XXXX and budget agency. ( See Ind. Code 6-8.1-8-4, again, for all of this. ) This debtor has always lived in XXXX XXXX, Indiana. 

There are no tax warrants filed and outstanding for the debtor. Their warrant system goes back to XXXX. 

So, you have a collection agency that was n't properly hiring, collecting on a debt they are n't authorized to collect, and using tactics that are reserved for a state agency -- all the while thinking they stand in their stead and, thusly, no pesky FDCPA rules apply. 

I just ca n't with this one ...

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 09-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX/XXXX/2016 Original Creditor : XXXX XXXX XXXX ( unit XXXX ). 
Pre Acct : XXXX Amount : {$3400.00} Dear XXXX XXXX I never received a move out report after vacating the apartment on XXXX/XXXX/2016. The total {$3400.00} is totally ludicrous. This amount is being turned over to collection in retaliation of me moving out prior to lease ending due to the way the staff XXXX XXXX and XXXX were or were not handling me and other tenants, and was informed they make the tenants feel, the way they did thing, like they were being embezzled and extorted especially with most of the tenant being immigrants and possibly undocumented by threats it is in the lease that most could n't understand the almost XXXX page document, intimidation and false claims and never returned calls. I asked to many question that they never gave me an answer so I started photo and video documenting issues, damages and possible health hazards in apartment as well as on property. XXXX XXXX were taking advantage of there employer trust for there own personal gain and pasted the personal gain on to the buddies the towing and landscapes service. 

If and eviction was file after XXXX/XXXX/2016, I had moved out and was in a different state working on XXXX/XXXX/2016, it was in total retaliation because I had already move out and they had full control on the unit. I am filing a complaint with the Federal Trade Commission in regard to this collection amount along with photos and video documentations, that is collection be stopped. 

To view photos and video visit link. XXXX. or check out apartments reviews for additional information. 

Sincerely XXXX and XXXX XXXX

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