milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have tried to get proof that I owe the staggering amount of student loan debt which is being taken from me as a garnishment. Several collection companies have traded around my file and adding up fees, etc. These companies include XXXX, XXXX XXXX, XXXX, XXXX, and Navient. To date the only " proof '' they have submitted are 2 items. One being a legitimate promissory note to XXXX XXXX XXXX I signed with my legal name in XX/XX/XXXX. It has been paid off, and I can find no proof that any bank is after me for that. Yet, DOE is garnishing my wages. The second bit of " proof '' is a consolidation form from XX/XX/XXXX that is wrong in so many ways. It has a signature on the bottom line that is not the same as on the beginning of the form. Neither is my legal name, and the bottom signature is certainly a forgery. I have countless documents that show how I sign my name, and they are consistent and different then this one. Also, It has no amount or bank that I supposedly agreed to. I have repaid every loan or made payment plans ( rehab ) to correct to no avail and now for years have been being garnished. No one I have talked to has helped but are sure to tell me how to start another goose chase of sorts. I am getting ready to retire and have seemingly no options.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with On-Site Manager, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have this company www.on-site.com posting a judgement on my credit report. They do apartment complex screening. I have sent this company information regarding the judgement and letter from home owner involved and company still has not removed this report yet. I have also sent them information on accounts paid off by me and they never updated any information on credit report. they dont provide you with information on how to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: After my residential home loan servicing transfered from XXXX to Nationstar, I got a letter from Nationstar at the first escrow review that my escrow payment would increase from around XXXX. It was then I realized my escrow balance was - {$1200.00} even though I 'd had the XXXX loan for 10 years and only minor, occassional fluctuations in payment. My insurance and property taxes are about the same, yet I have a negative balance?? Not possible. Funds were not transferred. Nationstar is dragging with response and still plans to nearly triple my escrow payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: M y credit score dro pped  XXXX  points from  XXXX  to  XXXX  due to an inadvertently missed payment of {$210.00} in  XXXX  of    2017  on  a Citibank credit card. The missed payment was due to a paperless bill which was sent to an incorrect email account for an unuse d credit card. The charge was for the credit card fee and a recurring membership fee that I was unaware of. I immediately paid the balance when I became aware of  the past due status but now it is reported on my credit report as late. As a result, my credit score drop ped significantly - over  XXXX  points - for  one missed payment. I never received a paper statement which would have allowed me to pay it on time.  I also never received any phone calls about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Due to an internal glitch at Franklin American ( their fault ) a payment posted 3 days after I made a payment. It was due on XXXX/XXXX/16, I tried paying on XX/XX/XXXX, but the website was down. I called on the morning of XX/XX/XXXX and the rep assured me he would put it in so it would show posting on XXXX. Well, he did n't follow through causing my payment to post on XXXX/XXXX/16 ... more than 30 days late. Now they 're telling me that I now do n't qualify to have my PMI taken off because of a payment being over 30 days past due and are refusing to do anything about it. IT WAS THIER FAULT I could not make a payment because their website was down and called it in the next day which was STILL within less than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (NJ).
Issue: Managing the loan or lease

Complaint: I leased a vehicle the year prior to joining military service in XX/XX/2016 I called Ford Credit to request a lease termination under the Service Member Civil Relief Act. They requested I send the letter to them and I did on XX/XX/2016. 
I received notification on XX/XX/2016, via telephone, that my request has been denied. They stated that I must be on orders assigning myself outside of the continental US. 
I understood the SCRA to cover me for the lease termination upon entering military service and not just when I receive orders overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I need you to send XXXX my updated transactions. Your delay is literally costing me money.

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 06/17/2015 about Debt collection (Federal student loan) with Performant Financial Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: It was brought to my attention by a family member recently, that in 2011 DCS ( collection agency ) offered me a settlement on my loan. Which was paid in full, but when I brought it up to XXXX XXXX representative it was ignored as if I 've said nothing. Same thing happen with US Department of Education.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX  and the credit bureau XXXX, Experian and XXXX, I even conferenced a call with XXXX and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I keep getting phone calls about a debt that I do n't know the creditor. They have been calling my son, my niece, my daughter in law. All the numbers being called are non-published numbers. All who have no knowledge nor involvement with this debt collector, nor any of my dealings. They tell them that that is an important court matter that needs to be resolved in a threatening manner.. 
The number I get calls from is XXXX ( Municipal Services Corp ). or so they identify themselvesI have called that number telling them to stop calling me and my relatives to no avail. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear XXXX XXXX IQ DATA INTERNATIONAL Mailed me 2 documents on XX/XX/XXXX-2017 enclosed was validation of debt. However the documents sent to me was documents typed up from IQ DARA INTERNATIONAL. I would like to see a signed contract with my name and dates showing i have a contract withIQ DATA INTERNATIONAL. Below is the documents that was mailed to me which is  not a validation of debt. <P/>Thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage account was transferred from XXXX XXXX XXXX XXXX to SLS in XXXX XXXX. I made the XXXX payment to XXXX and the XXXX payment to SLS. The statement I received from SLS showed a mortgage payment amount that was higher than the XXXX payment. Upon contacting SLS they informed me that part of the payment was escrow of taxes and insurance and part of it was 'fees ' SLS paid to XXXX on my behalf. However, they did not know what the fees were for. I informed them that I pay my own taxes and insurance so there should be no escrow fees. I also advised them that I needed to understand what the other fees were for. They said they did not know what the fees were for. My initial call to them regarding this issue was in XXXX of XXXX. As of today, XXXX XXXX, XXXX, SLS is aware that I do not escrow and they still contend that they do n't know what the other fees are for although they expect me to pay them. They have all the correct documentation that the tax and insurance payments are current. However, they have not adjusted the statement nor have they applied the XXXX payment to the mortgage. They have applied the XXXX payment to the mysterious 'fees '. This company 's practices are predatory in nature and their license to act as a loan servicing company should be revoked immediately. The only recourse I have to avoid a late payment on my credit report is to pay the additional fees they are extorting from me. I had NO idea they had not applied the XXXX payment until I reached out to them on Friday, XXXX XXXX, XXXX. At NO point have they tried to contact me regarding a late payment. I also contacted XXXX regarding the issue. XXXX was very clear that they NEVER communicated to SLS that there was an escrow balance. This further convinces me that SLS decided to add escrow fees to my account in an effort to extort other fees, e.g. late fees, on my account that I would be forced to pay. Stop these criminals NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I am signed up with XXXX to monitor my scredit score and other things. I logged into XXXX the first week of XXXX XXXX and it was reported with a 13 point drop. I logged in and the only thing I could see was a XXXX closed account showed that it dropped off my report so I notified XXXX which stated to contact transunion. 
I called transunion to receive a report to see if I could see anything that would require a 13 point drop. I did not. I notified transunion at XXXX to find out why a 13 point drop was reported to XXXX. The only thing they said is how many points would affect certain things. there has been no new accounts open, my bk is coming off my report at the end of this year. I have made on time payments. I do not understand why they can not tell me why my score was reported and dropped 13 points. We are told to monitor our own reports and I do that faithfully. I have credit monintoring though my states attorney membership and I have not been notified of anything happening on my account nor does my report reflect anything. 

The account in question that was closed is XXXX open XXXX XXXX, XXXX closed XXXX XXXX, XXXX removed from my credit report the first week of 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 03-04-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The IRS sent Equifax a " Withdrawal of Filed Notice of Federal Tax Lien '' on XXXX/XXXX/2013. It recently came to my attention that they did not remove it. I filed a dispute. They still would not remove it because they determined the lien was released. It was WITHDRAWN. They do n't seem to know the difference between RELEASED and WITHDRAWN. It should be removed from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Payday loan () with WLCC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: Lender sent a wage garnishment to my employer and added all these fee 's loan was for XXXX and now they are telling me I have to pay back {$900.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I specific told them please do n't call my family member for my personal debts account, they call my brother and told them I must called them back regarding my debt and the amount, my brother told them they had the wrong number and to contact the right person but instead she kept insisting to give my debt information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: portfolio recovery associates commits FRAUD!! XXXX has charged off my account because the insurance pays it after 90 days, the fact of the matter is PORTFOLIO BOUGHT INFORMATION AND NOT A DEBT!!! if PORTFOLIO would disclose to me what they paid for the information, then it would be lawful for me to pay this amount, but im not going to pay XXXX $ for something they paid XXXX $ for, in other words, I accept payment options on CONDITION that PORTFOLIO RECOVERY ASSOCIATES give me full disclosure in writing what they paid out of pocket for alleged debt, it hasnt even been proven as a " debt '' see below memorandum, this is clearly a misrepresenation of amount and they are in VIOLATION False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not : falsely claim that they are attorneys or government representatives ; falsely claim that you have committed a crime ; falsely represent that they operate or work for a credit reporting company ; misrepresent the amount you owe ; indicate that papers they send you are legal forms if they arent ; or indicate that papers they send to you arent legal forms if they are. <P/><P/>XXXX : XXXX The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Account opening, closing, or management

Complaint: I closed XXXX bank accounts with Citizens Bank RBS. After I closed the accounts, deposits were made electronically into those accounts without my knowledge keeping the accounts open. Citizens Bank never sent me a statement of any kind for years while they drained the accounts with maintenance fees. Once XXXX the accounts went negative on maintenance fees, they finally sent me a letter indicating I needed to pay the negative balance. I 've spent a lot of time talking to a lot of people to resolve this, but Citizens hides behind its electronic statement agreement that the statements were posted to their site and I should have accessed them. However part of that service includes email alerts when the statements posted, and those were turned off during the closing process of the account, so I never got any indication for years that these accounts existed any longer. Citizens refunded 10 % of the fees they extracted and refuse to help any further. I do n't understand how a bank can have my money to make money with while at the same time charging me maintenance fees for years and never sending me a statement of any kind for regulatory purposes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Fraud or scam

Complaint: Purchased  XXXX   XXXX  on  XXXX   XXXX  for {$4800.00}. After a couple weeks they froze my account and say that Im unable to purchase after doing business with them for a couple years.  <P/> In addition I made on sell order on the   XXXX   XXXX   when the price of  XXXX  fell from  XXXX  down to  XXXX . During that time I was unable to gain access to the site to complete the transaction until the price had recouped. Many users are experiencing similar issues on the   XXXX   support website.  <P/> Here are just a few of the other companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # 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 06-08-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Unable to get my Equifax report on line. i been trying for over 6 month and keep getting denied accesshave

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I sent a letter to XXXX disputing THIS ACCOUNT AS BEING CHARGED OFF AND THAT I WAS 30  DAYS LATE IN XXXX 2011. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX XXXX, XXXX. at XXXX XXXX XXXX, XXXX. Attn : Research Dept,  XXXX XXXX XXXX XXXX XXXX, FL XXXX and it was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Companies "  XXXX  '' and " AMERICREDIT '' have pulled a report on my credit without my authorization on  XXXX   XXXX ,   XXXX   from   XXXX   XXXX   to   XXXX   XXXX  , Corporation "   XXXX   ''  may  have authorized this credit report without my authorization on the website "  XXXX   XXXX  '', was swindled into entering car I was looking for and providing contact information, no where on the page did it specify credit reporting. "   XXXX   '' was contacted and claimed to have no information on my credit report inquire. Conversation recorded, pictures of website with no specifications of credit reporting filing present.

Company response to consumer: Closed with explanation