milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: CAN NOT GET A COPY OR INTO REPORT ONLINE, WHILE I HAVE BEEN AWAY ATXXXX XXXX XXXX XXXX I THINK MY PARENTS ARE USING MY SOCIAL SECURITY NUMBER, INCLUDING A ELECTRIC BILL THAT I JUST GOT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with NELNET, INC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I went to school XXXX years ago at XXXX graduated never had a job in my field I went to school for XXXX the loan people is telling me I owe them XXXX now and I never even had a chance to work in that field this is really making my credit report really bad ca n't pay my loan off or even make payments because I 'm still work at XXXX I 'm wage job with XXXX children I do n't think it 's fair when people trying to do something right with there life and it still does not work at as you planned

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Medical) with RS Clark and Associates, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been disputing this information since XX/XX/XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a HIPPA violation notification XX/XX/2016 to this company. I need forms showing where I signed for these account. Also my HIPPA rights have been violated once any medical information has been shared with any 3rd party agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Dear XXXX, my complaint against Ocwen has XXXX issues : A ) No paper statements for several months in various episodes, B ) No online access to my account, C ) Late fees charged several times on purpose and for no reason/excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NM).
Issue: Settlement process and costs

Complaint: We sold our house in XXXX 2014 and we received the FULL RECONVEYANCE along with a check for the money we made from the sale of the house. We did n't know until now when we are trying to buy a house that OCWEN destroyed our credit because they said our house was paid for less than the balance. I have been fighting with them for months and they now say we owned them almost {$10000.00} and they refuse to clear our credit report to show the house was paid in full. The title company and the Escrow company has even been involved and does not understand. OCWEN claimed they voided out the payoff quote and gave a new one however, no one ever saw it and it was done after the house was paid in full and we received our FULL RECONVEYANCE. Again, they refuse to change our credit reports and they claim we owe them almost {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX XXXX in XXXX XXXX, FL lied to my face about having to take out private student loans to finish my degree. Private loans were never mentioned one single time by anyone at this school, they would just tell me I needed to fill out my loan paperwork otherwise I would not be able to continue my education and would be kicked out. Only after I graduated and started repayment did I find out that about XXXX % of the loans taken out in my name were high interest private loans. If I would have known this from the very beginning I most likely would never have signed the enrollment agreement and attended this school. They committed predatory lending on a huge scale and have scammed thousands and thousands of young people who were straight out of high school and did n't know any better. They have ruined many kids financial futures. I am XXXX years old now and still struggling with the mistake of attending XXXX XXXX when I was XXXX. XXXX XXXX is being sued by over a dozen attorney 's general for their shady practices, the CFPB for predatory lending and the SEC for fraud. If you look up XXXX XXXX 's reputation on XXXX you will see that they are a complete scam and many people 's lives are ruined because of them. My campus in XXXX XXXX, FL has been consolidated with the campus in XXXX due to their plummeting stock price and decreased enrollments quarter after quarter. This company is sinking and their predatory lending and illegal practices is what caused it. These fraudulent and predatory loans are backed by USA Funds , Inc. I have used {$6500.00} of inheritance money from my dead grandmother to pay these loans down and it is the only reason why I 've paid down the principal balance to any reasonable level. These loans are complete fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I am involved in a federal crime involving   XXXX   XXXX   XXXX   who is now being investigated by the Federal Trade Commission. It is currently shut down by the FTC. I received a letter last week from the FBI stating this. I gave   XXXX   XXXX   XXXX   {$14000.00} last  XXXX  to perform patent services which they did not deliver. Myself and thousands of others were taken by the scam and where led on to believe that the Company was performing their services as promised up until  XXXX  of this year. After hearing of this I went to my bank PNC to file a dispute and they have denied my claim because it was not reported within the 60 day time frame. Me as well as all the others only found out about this and  XXXX  after the company was shut down and we were sent letters from the Federal trade commission. I did report the fraud to the PNC after I found out. I am still being denied due to the timeframe and I have gone all the way to escalations and I am still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Customer service / Customer relations

Complaint: We booked XXXX round trip tickets from XXXX to XXXX with XXXX Capital One credit cards ( paid partially with reward points and credit card charges ). During our trip flying from XXXX to XXXX, we missed our flight due to mis-communication with the airline company. We contacted Capital One trying to resolve the problem because Capital One also served our travel agent. Since we called Capital One travel department during their non-business hours, someone from their Card Customer Service Department promised to help us. We planned to book XXXX way ticket with a different airline to replace the XXXX flight that we missed, so we can still keep the return flight with XXXX. However, the representative from the Capital One Card Service Department mentioned Capital One will able to refund us the whole trip with XXXX. Instead of purchasing another XXXX way ticket, she advised us to purchase XXXX full round-trip tickets with a different airline. She said Capital One can not refund partial trip, but they can refund full trip. Therefore, I should purchase full round trip tickets with different airline instead of just XXXX way trip. She also mentioned she will place a note on my account, so her co-workers will able to help when I call back for the refund. The next business day, I called Capital One to process the refunds that they promised. I was connected to their travel department first, then their card service department, then their specialist and finally back to their travel department. They transferred my call around for almost 2 hours, and they were not to honor what they promised originally. No proper documentation was input in my account. They recorded my conversation with the original representative. And they made me liable for the misleading advise that the original representative made. Instead of paying for one-way ticket from a different airline ( approximately {$750.00} ), we have paid {$1700.00} extra for another full round trip tickets. We have purchased XXXX set of full round trip tickets for the same trip due to the misleading advice from Capital One Card customer service. There is evidence from the conversation record in the system. And they are not willing to retrieve the record and be liable for the mistake they made.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/2018 I sent a certified letter to Experian asking to VALIDATE the accuracy of an account ( XXXX ) reporting negatively on my report. They responded with the account was verified but sent no validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Experian has responded to my request by saying that these accounts have been verified. Experian has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Experian has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Experian reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.

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 09-11-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: This collection agency is on my credit report on the XXXX its on there theree times. I never applied for payday loan. I never even heard of XXXX XXXX. I am thinking my idennity was stolen or its a scam. I never received any info on this. I do want this taken care of and off my credit reports. I have spoken to the state police bout this. I would like to know who did this so charges can be pressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX sent me to a third party collections agency when I already paid the debt in full. Not only that, but they failed to send me any letters regarding this OR to call me, even though both my cell and work numbers remained the same. To make matters worse, the original bill was nearly {$7000.00} and I busted my rear to pay all but {$280.00} of that, leaving this small amount to be paid on XXXX/XXXX/16, and they sent me to a third party collections agency for that AFTER I PAID THE BILL! I have requested someone in their billing department supervisory team to call me regarding this error, but I do not anticipate that they will do so, nor do I anticipate that they will learn a lesson until a formal complaint is lodged against them. This is at least the second time I have had a problem with XXXX XXXX 's billing department, and I can not imagine how many others have had similar problems but do not know where to turn to lodge a formal complaint that may change things for the better for all patients.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This is regarding XXXX visa card by Citi Bank. Citi bank says they mailed us the card which we never received. We do not even know the full credit cards number. The only number show on the statement shows account number ending in:XXXX Statement dated XX/XX/XXXX to XX/XX/XXXX. Another statement dated XX/XX/XXXX to XX/XX/XXXX states account number ending in:XXXX. To our understanding these relates to the same account. We learned about this card when we got the first statement in XX/XX/XXXX.  Since then we have gone to XXXX, Citi Bank local branches and have called many times to Citi Bank. They have repeatedly told us that we are not responsible for any of the charges as it is fraud. We also have a letter dated XX/XX/XXXX from Citi stating that they have received our complaint and they are working on it. 
We did not hear from Citi and thought that they have resolved the issue and we are OK. However, recently we got a call from XXXX ( Extension XXXX ) saying that they are trying to collect due payment from us. We also got the letter from Citi that they have sold the account ( ending in XXXX ) to XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX ). We also got a letter from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, River Edge, NJ XXXX, XXXX ) trying to collect debt from us of which we are not responsible! We also have informed XXXX XXXX ( XXXX, ext. XXXX ) that we are going to report this issue to Consumer Financial Protection Bureau. We have done all we can on our part. We have never used the Citi Bank Visa Card in dispute, we never received it. We have nothing to do with this account. This all happened when XXXX XXXX XXXX was converted to Citi Visa. We currently have XXXX XXXX XXXX ( account ending : XXXX ) which we use and pay. We have told this to XXXX XXXX  on day one when we files our complaint. Citi knows it ans we are in good standing.

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 01/26/2016 about Debt collection (Medical) with POM Recoveries, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received repeated voicemails on my cell phone from a number that just showed up as XXXX and said that i had outstanding debt and needed to call XXXX XXXX at XXXX ext XXXX referencing account # XXXX and Pin # XXXX. 

I called the hospital ( XXXX XXXX in XXXX, VA ) and they said i had no outstanding payments, so i finally called XXXX and told her that. She was able to tell me the name of the doctor i saw in XXXX and said to call them to verify the supposed {$350.00} bill that was outstanding. She also had my home address and did not offer up a website to provide payment when i asked, but instead wanted me to pay online. I called the doctor 's office and they had nothing on file either so i called XXXX one more time and she then gave me the number of the hospital 's supposed billing system ( XXXX ). When i called this number, it was a menu of options with a foreign accent but otherwise official recording that mentioned free online bill pay. When i finally spoke with an agent, I did not give any information, but asked to be transferred to make an appointment ( to test the authenticity of the person ) and they were unable to transfer me. Then I said i did not believe they were who they claimed to be and they quickly hung up. 

Please take action to stop this group from frauding others! It was clearly a sophisticated scheme and they need to be stopped!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Payoff process

Complaint: On XX/XX/XXXX16 I sent a letter to Wells Fargo requesting a payment plan for a past-due credit card account.

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 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Since falling victim to the XXXX, XXXX, XXXX, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.

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 Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: There 's a few things XXXX XXXX/ Navient has done to make paying off my student loans more difficult, and I think try to scam me out of more money. In XXXX I set up Auto payment to be paid on the same day of the month each month. On a regular basis they would change the date, often advancing it without notifying me. If I ever paid off more than was due, they would not notify me that it was just going against the compounded interest, not principle. After years of paying on time, not missing a payment, my interest rates are going up, and higher than the us market rates are going up, .5 % as opposed to .25 %. I 've paid over {$50000.00} in student loan interest and only {$25000.00} in principle, maybe. The fact that it 's compounded the way it is, I may just be reaching my principle. They will not work with me on changing interest rates, or any kind of settlement that will allow me to get a chunk of principle dept paid off. They 're just trying to keep me in debt for the rest of my life so they can make XXXX off a XXXX loan I took out. I think I 've been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Nelnet approves the loans obtained from XXXX. Nelnet should have obtained my XXXX XXXX application in XX/XX/XXXX at which time it would have been approved as it was in XX/XX/XXXX. XXXX  acknowledging that a XXXX XXXX XXXX is on their XXXX XXXX  loan program approved list should have disclosed the program to me back in XX/XX/XXXX. The loan/program process was delayed for years as XXXX failed to disclose the XXXX program to me which delayed & continues to delay the process/closure of said process. 

XXXX despite knowing from XX/XX/XXXX-XX/XX/XXXX ( undocumented call post graduation XX/XX/XXXX at which time disclosed my head injury and was informed of the now 6 mo grace period ) that I had suffered a XXXX XXXX XXXX in XX/XX/XXXX due to an XXXX  and continued to be XXXX from it today was never offered the XXXX XXXX  program option. I was constantly steered into other loan programs that allowed accumulation of funds/interest. 

I wish to know why in a specific response : 1. I was constantly steered into money producing programs benefitting XXXX, but was never offered the XXXX program as an option. 

2. A XXXX XXXX XXXX definition is listed under XXXX 's allowable XXXX XXXX loan program therefore why was it never offered to me when you knew I am suffering a XXXX XXXX XXXX and it is an allowable injury/illness under the XXXX XXXX  program as a loan remedy/option? 

Having the knowledge of what illness/injuries fall under the XXXX program but failing to disclose the program appears to be a failure to provide available proper loan programs to those they serve, possible a civil rights issue. As per their own criteria they knew I qualified for their XXXX loan program and per their own XXXX illness/injury standards but failed to disclose the XXXX loan program option to me. 

I request you ask XXXX as XXXX XXXX XXXX   are listed under their XXXX XXXX program as an allowable injury why did they deliberately deny me since XX/XX/XXXX the right to apply for the available XXXX loan programs by deliberately steering me only into loan programs that financially benefitted XXXX and disallowed me to right to the XXXX loan option. XXXX approved my XXXX XXXX but it was delayed for years unnecessarily as XXXX deliberately failed to disclose the program option that would better meet my needs due to my XXXX. My medical documents prove clearly my XXXX XXXX   occurred on XX/XX/XXXX and continued through XX/XX/XXXX, as it does today. This documentation shows also that I qualified for the XXXX XXXX XXXX back in XX/XX/XXXX.

Company response to consumer: Closed with explanation