milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for a recertification of my IBR plan XX/XX/2016, I applied via the Studentloans.gov website, and my spouse also completed their portion of my IBR application. On the same website I applied for the direct loan consolidation via Navient as a servicer. Navient received my direct loan consolidation application but denies receiving my IBR recertification, they were submitted together and have the same application reference. Studentloans.gov has confirmed delivery of my application referenced in my confirmation emails. Navient, will not allow me to dispute their denial of application receipt, and studentloans.gov says they do n't have any further information to help my case. If I call Studentloans.gov they tell me to contact navient, and vise versa, neither will place me on administrative forbearance while this administrative issue is figured out. I submitted my paperwork and application as required by law, I qualify for IBR as does my spouse ( who has been approved - applied around the same time ( recert ) ). I have emails, and confirmation that my application was submitted. 

Application reference for DCL app and IBR app : XXXX, if i open the document with the IBR application I get reference number XXXX ... What appears to have happened is an error, at least on the part of Studentloans.gov. It looks like their application submission system did not send out XXXX separate applications. I have both forms completed ( as submitted - I downloaded today from their website ), they have XXXX different reference numbers. Navient claims they only got XXXX of the XXXX applications. Either way, they are saying they can not help me until I agree to accept the terms of forbearance ( fees, interest, and deduction of time allowed to defer ). I believe these affected loans should be on administrative forbearance until this matter is investigated.

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

Complaint: Equifax should have offered protection without trying to hide a waiver of my ability to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Hi abo ut 5 y rs ago I contacted the original creditor  XXXX   XXXX , This account was an account open from Identity theft.  XXXX   XXXX  closed the account. I have been living out of the country for several years. and I pulled my credit and saw it was fraud. The closed it and promised to remove it off my rep ort 5 yrs ago.      I have Attached my utility bill to prove, I was living in  XXXX  from  XXXX   XXXX  And I have made updated police reports when I had returned and saw even more Identity theft.     Now in  XXXX    XXXX    XXXX  has sold the account to a collection agency, they put this account on my credit report and has been trying to collect  XXXX  on a  Fraud  account fro  m 5 yrs ago.
I did write a letter to the collection agency but I have not had a response.     I would like to have this RE- Removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have tried numerous times to get this issue cleared up with Equifax, I have called the corporate office and spoke with reps been placed on hold for hours with no resolution. I needed 28 confirmation disputes resent to me because equifax has been adding accounts and addresses on my credit report since the breach. I spoke with a rep on XXXX/XXXX/XXXX and after giving her the 28 confirmation numbers i need paperwork for and after doing all of that they still had my address wrong as XXXX XXXX XXXX XXXX XXXX, XXXX nc XXXX. There is no XXXX XXXX for my address, I have sent in my drivers license, social security card and a copy of my light bill for the address and they still have my address wrong, I stayed online for over 1 hour waiting for a supervisor and i had to hang up. I will attach the copy of the calls, the addresses on my credit report they even have addresses in Virginia and Georgia that are not mine and they keep adding incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Checking or savings account (Checking account) with FROST BANK (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Made purchase at XXXX 
Parts never arrived, XXXX claims parts left on doorstep around middle XX/XX/XXXX. 
XXXX has horrible customer service, problem resolution ... So I filed fraud claim with bank.. Bank cancelled my card and gave me another card to follow the fraud procedure. 

However, my bank has sided with XXXX and I still have not recieved the merchandise. This claim is against my bank for failing to support me in a bad fraudulent deceptive practices with XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (AL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Regarding that doesn't mean that I am only person in this world goes to this places so that is nor accurate enough and it doesn't matter my account was closed so I am move my money back and any funds owe to me on open dispute I want. I am contacting further people bc my account closed based off of my complaint I know it Show quoted text No I am fine with that but this is not the last I will seek legal action because this is a country where millions of people go to the same place or can go to the same place. I am really glad you did it the way you did because I have my team already ready this company is a joke and several people file cases against you off the same thing you are doing to me but I will have my money put in more trusted bank. you send the letter after you close my account which make no sense but you was corresponding to me and the other money deposit. so you onkly close it make you look good and the war will be on. I have bank with this company over 6 years and haven't been risk factor in 6 years so this is XXXX. 
Show quoted text as long as my tax returns and my checks coming to this account wasn't no small money either so miss me with the risk factor the risk factor is you Show quoted text

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 02-09-2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (ME).
Issue: Account opening, closing, or management

Complaint: i had closed XXXX of many accounts i had with citizens bank, although the account was closed i could still view my register with all my critical information, then without warning all records were removed from my account on XX/XX/2017, all this was done without warning, i need these records for my tax filings, i have tried call but they pass me along from person to person, keep me on hold, i get cutoff weith no return phone call and then they tell me they will give me the info at a huge cost, they say they do n't have to give notice for deleting your history, i know i need a new bank but i need my records, i am retired, have limited income and do n't feel i should pay for what is mine. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX/XXXX/XXXX I uploaded a letter to the Experian website which was marked as accepted in the portal. I requested an update of my personal information to be recorded, namely my address. I requested all other addresses listed on my report be removed as I no longer lived at them or had ever lived at them and are not deliverable to me by the USPS and are not reportable as per the FCRA. For proof of address, I included my current drivers licence and a current utility bill listing my current residence. I received a copy of my credit report from Experian dated XXXX/XXXX/XXXX in response to my request. The credit report sent to me listed 16 addresses on my credit report, including 8 addresses where I have never lived.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Debt collection (I do not know) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MicroBilt / PRBC (formerly CL Verify) (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I found XXXX hard inquiries on my credit reports from Microbilt.com that were NOT AUTHORIZED - I contacted their compliance dept, they told me that both inquiries were done by XXXX XXXX in XXXX, FL - I DO NOT know this company, I have no dealings with this company.
<P/>
Microbilt gave me a phone number to contact XXXX XXXX at XXXX but it goes to a cell phone voice mail. I have left messages but have not heard back from them.
<P/>
I filed a dispute via mail with Microbilt to remove these unauthorized hard inquiries but no response yet. I do not want a company like Microbilt to have my credit information or allow companies like XXXX XXXX to access my credit reports WITHOUT MY APPROVAL.
<P/>
This is an invasion of my privacy - how do we block Microbilt and XXXX XXXX from these fraudulent activities??

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (AL).
Issue: Problems when you are unable to pay

Complaint: This is with Credit Central of XXXX Alabama, fell behind on loan and can only pay XXXX biweekly, yet company continues to call my job after my manager and i both asked not to call. XXXX store manager advised if i paid my bills they wouldnt call with a very nasty attitude. This company is not professional and very belittling to clients. Since they are not governed under FDCPA, they feel they can practice like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: RE : DiTech Financial LLC Acct # XXXX To Whom It Concern, I am filing this complaint in regards to the DiTech Financial account ( # XXXX ) that is reporting on my credit report with a past due status. I do not understand why DiTech is reporting this note as active. They have failed to demonstrate any ownership of the note or be able to provide proof if they are the servicer or note holder of this alleged debt. Please note the missing original pages noted with the contract copy. 
This loan was originated XX/XX/XXXX by XXXX XXXX XXXX, XXXX. The loan was for a XXXX XXXX manufactured home that was purchased XX/XX/XXXX. 
Please see the attached Title from the State of Michigan dated XX/XX/XXXX reflecting " no secured interest on record ''. There is no standing for any active loan to be collected on. 
I am respectfully requesting a complete removal of the DiTech listing on my report. It appears they may have acquired this loan by error. Please reference all attached documentation and dispute response from DiTech Mortgage. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Fedloan Servicing has not been crediting me for the payments I 've made since XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I attempted to make a payment in full on a credit card and requested a receipt, the company refused to provide a receipt only a confirmation number. When I told them that would not suffice as my HSA card requires a receipt I was told that they will not provide one. My only recourse is to call back in three day wait on hold again for several minutes to request another copy of the statement but again they would provide no receipt. 
I am unsure of laws regarding billing companies but I know a retail establishment must provide a receipt and have never had an issue such as this before. If I agree to make a payment I should be given proof of said payment being made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Assoc is a collection agency that has been paid. I have tried disputing their account multiple times due to their illegal and inaccurate reporting, yet it remains. This collection company is reporting this account as open, though it 's been paid for numerous years. They have it listed under installment accounts as though it was a cc though I never had a CC agreement with them, it was with XXXX XXXX, the company they bought the debt from. They list a high credit amount as though they 're a CC instead of a collection agency. They list dates of serious delinquency like a CC. All tactics that as a collection company they are not allowed to use and if I remember correctly, they have had lawsuits filed against them in the past for these same illegal tactics to extend the damage they can do to consumers with regards to their credit long after the debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: IM sick and tired of trying to get a credit report that has everything on it. not like some of the services they sell. i want to pay {$12.00} for my credit report, but they cant verify my info. they say i have to mail them all kinds of proof of ID. YET I CAN SIGN UP FOR 1 OF THEIR MONTHLY FEE BASED CREDIT MONITORING NO PROBLEM. NO MAIL. .JUST GIVE US YOUR CC # AND YOU 'VE GOT OUR CREDIT WATCH FOR {$20.00} A MONTH.. THIS SHOULD BE ILLEGAL. THEY REFUSE YOU YOUR REAL REPORT BUT OK YOU FOR THEIR MONTHLY SERVICES WITH CREDIT REPORT AND CREDIT SCORES. THESE ARE THE SAME PEOPLE WHO CONTROL OUR CREDIT AND LIVES. THEY CONTROL OUR CREDIT AND THEN ARE ALLOWED TO MAKE PROFIT ON THE SIDE. THAT SEEMS LIKE A CONFLICT OF INTEREST TO ME. COULDNT THEY BLACKLIST ME FOR COMPLAINING OR NOT LOOK AT MY DISPUTES OR ANYTHING. AND ILL PROBABLY RECEIVE BACKLASH OR PAYBACK FROM THEM, BECAUSE THEY 'RE ABOVE THE LAW. THE GOV NEVER DOES A THING IVE MADE COMPLAINTS BEFORE, WHOSE LOOKING OUT FOR THE CONSUMER. GOOD OLE USA XXXX THE PEOPLE IN FAVOR OF CORPORATIONS. AND IM A XXXX VETERAN. YOU CANT DISPUTE ITEMS FROM THEIR MONTHLY SERVICE. ALL I WANTED TO DO IS PAY {$12.00} TO SEE MY REPORT FROM EXPERIAN SO I COULD DISPUTE SOME ITEMS, BUT THEY ARE ALWAYS PUSHING ME TO SIGN UP FOR THEIR SERVICES CREDIT MONITORING XXXX. I THINK I HAVE A GOOD LAWSUIT. THE CRA 'S REFUSING YOU YOUR CREDIT REPORT. BUT OFFERING A SORT OF FAKE REPORT FOR LIKE {$24.00} A MONTH THAT DOES NOT HAVE ALL THE INFO OF THE OFFICIAL ONE. THERE NOT WORRIED ABOUT FRAUD WITH MONTHLY SERVICE, GET REPORT FROM ALL XXXX CRA 'S IN A SEC. BUT NEED TO DISPUTE. COULD TAKE MONTHS OF ID CHECKS TO GET REPORT. I THINK ILL TALK TO AN ATTORNEY.

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 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: Dear agent, I 'm writing to complain a issue with Coinbase.Inc ( https : //www.coinbase.com ).

I made multiple purchase of Bitcoin through coinbase on XX/XX/XXXX. And there 's one transaction there of the amount {$300.00} did went through, but they gave me the correctly amount of Bitcoin to my Coinbase account. I think that was due to my bank 's fraud protection ( they see multiple buys in a short time as a suspicious activity ). So my bank charged the {$300.00} back. Coinbase realized this issue and lock downed my account ( with still more than {$2000.00} dollar USD in their XXXX account ), and I can not buy/sell or access my XXXX account after that. I called my bank tell my bank to accept any charge from Coinbase, and opened a support ticket on coinbase, stating that it was an issue with my bank and I do want to pay them!!! As for now, 1 month has passed, the issue has still not been resolved. I do n't see charges on my bank account, and I can not access my coinbase account and the fund in coinbase. It feels like they are taking my fund as a hostage. I do like to pay the amount I own them, but they are not doing anything to fix that. I tried to call them twice a week and get the boxed reply everytime, I even asked do I need to provide any additional payment method, they said no. I just have to wait and they keep my account locked and my fund in there. I think this can really be called fraud now. Please help! 
My coinbase account email is : XXXX The support ticket is : XXXX XXXX XXXX XXXX Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Auto debt) with MacDowell & Associates, Ltd. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I previously received a wage garnishment letter from my employer for XXXX XXXX XXXX for an auto repossession. This occurred for 6 months then I received a release of garnishment summons XXXX XXXX. When I was paid on XXXX/XXXX/XXXX and a garnishment amount was on my check, I received contact information from my HR department I knew my debt was paid based on what was owed. On XXXX/XXXX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained my check was garnished previously and was not notified and it started again. I was told they won a judgement against me and that my spouse was notified of it in XXXX. She gave me the name of my son And asked me if he told me. I told her that was not my spouse and i was not served. Then she advised me the judgement was XXXX which after 6 months garnishment has XXXX balance and interest which by law they can charge. I stated they never notified me, they garnished my check. I need the amount owed to avoid interest. She stated I could pay {$1200.00} to be put on a plan with them to come from under the settlement. I am learning this was a legal action that had a court date that I did not attend in XXXX. Then the amount she gave was XXXX with a balance of XXXX plus XXXX to pay them to set up a payment plan. Not only was I not notified or properly served on the initial Legal Action in XXXX XXXX, but this garnishment is from XXXX XXXX, and I was not notified again.I provided them my address and then was told I Will be notified they garnished my check XXXX/XXXX/XXXX and the balance is XXXX for " now ''. 
I was not aware how garnishment occur. I did not know it was a court hearing. 
I was never properly notified or served concerning a legal action. They disclosed my information concerning my debt without my consent. 
My FDCPA rights was clearly violated my this company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have over XXXX inquiries on my credit report that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has said that I need to use one of their mortgage appraisers to appraise my property. I do not understand why I can not use one of my own licensed and bonded appraisers in the area who will do just as a good a job and who will give a fair appraisal of the property. 

I have repeatedly asked for the authority from Nationstar that REQUIRES me to use one of their appraisers yet they refuse to answer the question. Again, I want to know what their authority is and I want them to send it to me. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Short sale package and offer was submitted to Shellpoint, after 5 months the investor denied the file. The negotiator at Shellpoint told me we were meeting the min net. Now shellpoint will not call me back to explain why the investor countered. I do n't know if they want more money or what. I have reached out to shellpoint about XXXX times and even upper management and no one will return my calls.

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