milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AE).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name is XXXX XXXX XXXX XXXX, I have consolidated loans through NAVIENT, account # XXXX. I am a XXXX serving since XX/XX/XXXX. Currently, I am overseas, address XXXX XXXX, XXXX XXXX XXXX. During the course of my military service, I XXXX, to wit : XXXX. I 've already serviced the debt of XXXX Stafford Loans ( unsubsidized/subsidized ) and XXXX private law loan. I am presently indebted to make payment on XXXX consolidated loans for a total of {$36000.00} in principle@3.5 %. Since I served in XXXX, my federal student loans would have qualified for a 0 percent interest rate during XXXX, as they occurred after XX/XX/XXXX. My understanding is this benefit can be applied retroactively, and so, I would like to be relieved the value of any monies accumulated through interest erroneously applied to the outstanding loan ( s ) through an appropriate adjustment. Additionally, I request an accounting for any of the referenced retired loans/serviced student loan debt. Specifically, I ask that these past obligations be examined to determine whether a recoupment action is appropriate for overcharging any interest applied to principle that was charged for the referenced periods. Should monies be owed, these amounts should be returned to the barrower in full. Lastly, it has been extraordinarily difficult reaching customer service via telephone while overseas. Automated services frustrate efforts at communication because program seemingly incapable of processing complex speech-based inquiries ( also necessitates paying international service charge rate ; inefficiency creates more expenses for Servicemember barrowers attempting to resolve matters ). Next, I 'm seeking clarity on whether my outstanding student loan debt qualifies under the Public Service Loan Forgiveness ( PSLF ). I have served on XXXX for more than 10 years, and previously a customer service representative suggested my loans would not when raising the concern.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: the social security number is wrong on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my loan with HSBC in XX/XX/XXXX. I 'm in the process of refinancing and they still have not released the proper book and page number. I notified them of the same in writing on XXXX and again on XXXX. They said they never received the first letter, but after speaking with them on XXXX, they said the release was recorded on XXXX. Not sure how they somehow just decided to record a release on the mortgage when they said they had never received my correspondence on XXXX and it was the same release they originally recorded with the incorrect book and page number. Have talked to them over several occasions and they still have not released the proper book and page number per my attorney. They were sent a copy of the paid mortgage listing the correct book and page number. This has caused me damges, time and money. What recourse do we have to obtain that release before interest rate rise again. My banker recommended that we file the compliant with the CFPB. There should be LARGE penalities for companies that cause these problems and headaches.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: First I would like to state that experian does NOT offer a way to dispute a credit inquiry. 
That being said, there are XXXX inquiries from XXXX XXXX still on my credit report, it is XXXX/XXXX/XXXX it has now been over 2 years and for some reason they are leaving it on here.as stated by experian in the image provided. Credit inquiries are supposed to fall off after 2 years, not 2 years 1 month not 2 years and x amount of days but 2 years. 

I suggest the CFPB launch an investigation into the legitimacy of the way experian does business. They are obviously skirting laws left and right. I ca n't retrieve my free annual credit report and had to use a free trial at XXXX to view my credit report from experian. See my other complaint.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: A month or so ago, I contacted XXXX  to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/2017. I faxed them a statement, " PROOF '', from XXXX XXXX that proves the account was " CLOSED '', and that XXXX  XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to XXXX. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that XXXX had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a 4-year pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX  XXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax mishandled my information and has now put me at risk of identity theft. Their website shows that my information was included in the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Transworld Systems , Inc. h as repeatedly sent me letters demanding that I pay a debt to   XXXX   XXXX   XXXX   XXXX    <P/> I paid the medical bill months ago. I have asked  XXXX    XXXX   XXXX   to notify   Transworld ; clearly they have not.
<P/>
I have also attempted to cont    act Transworld - they are unreachable over the web or during non-working hours.
<P/>
This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Credit card) with Altisource Portfolio Solutions, S.à r.l. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Agreed upon amount to settle debt was paid. Did not report to credit card company that this was a full settlement. Credit card company still reports I have a balance.

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 02/25/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (IA).
Issue: Shopping for a loan or lease

Complaint: After leasing a vehicle from Toyota, I traded the leased vehicle for another vehicle again purchased from Toyota. As part of the negotiations, the sales person agreed to handle all costs related to the return of the leased vehicle, and took ownership of the vehicle during the purchase process. I was promised that no further charges would be incurred from the leased vehicle, and had no control of the vehicle after it was traded in for the new vehicle. Almost a year after the purchase, I received a call from a debt collector for additional charges, for approximately {$400.00}, claiming to represent Toyota. After contacting the sales person regarding the agreement we had made, he claims that all charges were completed. He has washed his hands of the matter, suggesting I contact the debt collector. After no contact for nearly a year, suddenly Toyota Financial claims I owe them this debt, and has turned the matter over to a collection agency. I assume they are damaging my credit rating. I have completed my part in the purchase agreement, in fact overpaying for the vehicle I received, but the Toyota dealership and Toyota Financial are colluding to extort additional funds from me with threats to damage my credit rating as they hide behind a third party, who now also seems to claim rights to my property.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Student loan (Non-federal student loan) with Genesis Lending (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I went to XXXX. Its parent company being XXXX. I attended the XXXX, PA location from XX/XX/XXXX to XX/XX/XXXX. I got a federal loan and XXXX Genesis loan to help pay for my education. I have been paying on the Genesis loans since XX/XX/XXXX. I have paid {$5000.00} interest on a {$10000.00} loan and only paid {$500.00} on the principal balance. I recently found out about the lawsuit against XXXX and the settlement that was reached in XXXX of this year to forgive 40 % of the genesis loans to those who qualify. After speaking with several people at Genesis and the CFPB, I was informed that I needed to file a complaint to have my case reviewed but that I should be eligible since I started late XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my student loans to XXXX in full, then closed my account. My spouse, who passed away, also had student loans with XXXX. After she died, XXXX tacked her charges to my account -- -even though my account was closed. 
I submitted a complaint with the XXXX about it. XXXX XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; contacted me as my advocate at XXXX. 
He told me that the charge had been incorrectly added to my account. Moreover, he told me that the balance would be removed, and the credit bureaus notified. It 's been over month and a half since he gave me this update, and XXXX has not updated the bureaus. 
XXXX XXXX also has not returned my follow-up email or my call after I inquired about the lack of change. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been filing a dispute for months for XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX and XXXX acct # XXXX, XXXX has removed all XXXX but Experian left it on, I thought all credit bureaus used the same investigative measures. I sent a letter to Experian letting them know that the other credit bureaus removed it and they sent a letter back stating there information ca n't be based on what another reporting agency has. The account for XXXX XXXX I never lived at the address XXXX XXXX XXXX nor did I ever have XXXX & XXXX, the XXXX acct # XXXX belongs to my son, we have the same first and last name and different ssn, and the XXXX acct # XXXX has been paid in full and I sent a copy of the paid in full letter showing that.

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 03/27/2017 about Debt collection (Payday loan) with National Credit Adjusters, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A man named XXXX from a company called National Credit Adjusters has called me to report a delinquent account on behalf of XXXX XXXX XXXX as an attempt to collect an alleged debt. I 've never applied for a payday loan, so I called XXXX and they have no record of me or an account in my name. I attempted to call XXXX back and continued to get voicemail. He later called me back from a different number in a different city than the previous call. I 'm sending a DN to the company. I highly suspect this is a fraudulent company. The original number he called from was XXXX and then XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My stepdad cosigned a private educational loan through XXXX for me. Years later I was making minimal payments to XXXX on the private educational loan. When I filed for bankruptcy, I was informed that my student loans including the private educational loan with XXXX would stay as they were. After I my bankruptcy was discharged, I learned that Navient had taken over the loan. However, Navient changed the private educational loan to a personal loan with just my stepdad 's name on it. We spent almost a year trying to understand how an educational loan could be turned into a personal loan with Navient management. Navient management could n't find the source of how an educational loan was turned into a personal loan but refused to correct it. My parents finally just made a repayment plan that I could afford. We have been making payments every since.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Several years ago our mortgage was sold and when the information was exchanged between the XXXX companies my social security number was written wrong by XXXX digit. I did n't find out until years later and in that time all of the reporting agencies changed my number. I do not feel this is my error and there should be record of a number variation in each of their systems. Why do I have to prove who I am when they are the ones who changed the reporting information and what happened to my social security number whose name is now assigned to it that it would n't recognize both of them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Billing statement

Complaint: Macy 's never sent me my bill for a new account, and is trying to charge me months of late fees now and will not cooperate, claiming that I must have received the bills which I did not. 

I would like to have the account, but I am not paying {$100.00} in late fees because they chose to wait 3 months to send me the first statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2016 about Debt collection (Non-federal student loan) with Delta Management Associates, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This matter arises out of a dispute sent to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX, NH XXXX. ( See : Attachments ) XXXX XXXX failed to reply to my XXXX request and upon dispute transferred the debt to Delta Management Associates. ( See : CFPB Complaints # XXXX and # XXXX ) Upon the CFPB complaints Delta Management Associates then transferred the debt to XXXX XXXX who is attempting to collect the same debt that has yet to be validated by XXXX XXXX and/or Delta Management Associates. In response Delta Management Associates in complaint XXXX I specifically stated my opposition to Delta Management Associates that I did not authorization and/or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. I requested that any and all file ( s ), contract ( s ) and or information containing the name " XXXX XXXX '', address, email address, phone records, social security number, credit card information, phone number ( s ), etc. in any variation, spelling or derivative is to be DELETED from Delta Management Associates records. The company has dishonored my request. I also opposed to the disclosure, publicizing or revealing of any personal identifiable information to Delta Management Associates or any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which Delta Management Associates is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with Delta Management Associates. XXXX XXXX and the aforementioned companies have violated XXXX XXXX et seq. in attempts to collect a debt by using false, abusive, deceptive, or misleading representation or means in connection with the collection of a debt ; attempted to extort payment with false litigation threats, false garnishment threats, threatening to enter a judgment also in violation of Section 807 ( 5 ) of the FDCPA, XXXX ; XXXX XXXX are " debt collector ( s ) '' engaging in deceptive and abusive practices that violate the FDCPA. In XXXX, the " FDCPA was enacted as a broad remedial statute designed to 'eliminate abusive debt collection practices by debt collectors, to insure that those " debt collectors '' who refrain from using abusive debt collection practices are not competitively disadvantaged. ' '' ( See : XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX see XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX. XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX and after they did there own investigation that the account was not mine they closed the account and debt was settled to a zero balanced and deleted in from my credit report. But XXXX XXXX is still showing the debt on my credit report and is showing as a late on my credit report. Which is hurting my credit and my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Bank account or service (Checking account) with KEYCORP (UT).
Issue: Problems caused by my funds being low

Complaint: I bank with Key Bank. I do not have overdraft protection.it was my belief if a check were to try to go through, and funds were not available, the check would be returned. I had a check to a payday loan ( should have been returned and they said I could do a payment arrangement when it was ). The bank paid the check, over drafting my account XXXX. This caused me to get XXXX I 'm return check fees, and additional fees because the acct was overdraft. I called and was told, " we can pay anything we want, we wo n't do a pay, ent arrangement, you can not pay it and we will eventually turn it into collections, in the meantime you will contain to get fees. '' So basically the bank can choose to pay a check and them collect XXXX of dollars in fees!

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX, my husband and I started a debt reduction program to regain control of our finances. Around XXXX XXXX, XXXX our XXXX XXXX credit card debt, in the amount of {$11000.00} was purchased by Portfolio Recovery Associates and placed with an outside collection office, representing themselves as an attorneys office and threatening legal action. This attorney was XXXX XXXX XXXX located in XXXX, Texas. The rep handling our account was XXXX XXXX. In XXXX XXXX, we were able to settle with this office for the reduced amount of {$4600.00}. We started to receive threatening calls and mail from Portfolio Recovery Associates in XXXX. We wrote to the credit bureaus disputing this collection and reports to our credit. We also attempted to speak with Portfolio Recovery Associates without luck. The " attorney '' who originally handled the collection has since filed for bankruptcy after some pretty shady practices and I ca n't find an active number for him. Portfolio Recovery Associates is attempting to collect the remaining balance of {$7400.00}, even though a settlement was reached and paid. We have no idea what to do at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Bank account or service (Checking account) with BANK OF THE WEST (FL).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2017, I discovered a {$160.00} fraudulent charge on my Bank of the West checking account. I had authorized a {$20.00} copay charge and the doctor 's office instead charged {$160.00}. I called Bank of the West that same afternoon and told them I wanted to report the fraud. The csr said she would mail and email the dispute form. After waiting 4 days with no response, I sent an email to their customer service dept. The response said I should just type out my complaint with all of the pertinant information and my signature. I faxed it to the number listed. Today is the XX/XX/XXXX and I still have not been contacted by the bank, nor has the money been credited back to my account. I have done this same procedure with another bank when my card was stolen and I was credited immediately and the issue was resolved with one phone call.

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