milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Debt collection (Private student loan debt) with Convergent Resources, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent a validation letter to XXXX XXXX on XX/XX/XXXX. I received a letter indicating that the debt was valid. I found multiple issues with there findings which are listed below : 1. The last payment date on the payment history report is XX/XX/XXXX but the loan was not disbursed until XX/XX/XXXX. 
2. The first transaction was listed as XX/XX/XXXX, again that does not match the last payment date of XX/XX/XXXX 3. They have a signed contract without a date but a signature with a date of XX/XX/XXXX but the contract date was XX/XX/XXXX. 
4. On the Disclosure Statement of repayment, the disclosure date is for XX/XX/XXXX but the disbursed date is on XX/XX/XXXX. 

Clearly, these dates are not matching up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JH Portfolio Debt Equities, LLC (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Jh portfolio is reporting inaccurate information to credit bureau I 've disputed this info and they refuse to correct it or remove from credit reports

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Massive amount of fraud IDs scams frauding my documents and as business account and IDs scams and phones and internet scams frauding my documents. Federal and state not authorized Frauding scams national security clearance data Frauding scams IDs and accounts business frauding my VA mail and social security data and passport data Frauding scams frauding as medical scams Frauding scams using assortment of books and publication scams Herds frauding my documents as restaurants menu 's and food products Frauding saint XXXX XXXX XXXX XXXX XXXX Indiana ob Serial numbered documents of my birth certificate which is serial numbered attached to all my grade school documents and medical files and taxes and IRS pin and passport data ect Others wrecked my XXXX XXXX XXXX of XXXX  XXXX Indiana of XXXX country Indiana as others states counties and town and government and in ever state where they pulled that frauding scams frauding my XXXX country Indiana XXXX XXXX Indiana and family XXXX Indiana documents by the others state family 's and business.like they copied my grade school federal and state of Indiana permit and then copied all the adjoining data attached to the school by others states family 's after they copied the school

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 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Consistent misallocation of payments, resulting in frequent past due notices and late fees. All attempts at resolving the issue with Navient have failed. I have a year of statements proving our payments were made on time, and that Navient cashed every check.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both Transunion and XXXX reports on my XXXX  report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2010 I went to the emergency room. I gave them my insurance card and all pertinent information. I received a notice from my health insurance company that the claim was submitted but to the wrong address ( state ) -- it should have been submitted to PA. The insurance company sent them a letter DETAILING how to correctly submit the claim. I called and went over all the information again and explained their error. THEY RESUBMITTED TO THE WRONG STATE AGAIN. They were contacted again and the claim was NEVER RESUBMITTED. I have NEVER been without health insurance in my life. I have already disputed this on my credit several years ago and nothing was done except to put a comment " account in dispute ''. Thank you for all your help. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried to get my free annual credit report from TransUnion and always have issue and the system says is no possible. For now it will be the second year in a row that I can get my credit report from them and they can explain why so I lost the chance of having it because the system says there is a problem but doesn't explain what problem and marks the report with a green mark as if I have received the report already which is not right.

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 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Roughly {$450.00} worth of fraudulent charges were made on my credit card. I notified them immediately thinking their investigation who did criminal was. They never put the full amount back on the card for me to utilize. They failed to tell me the whole process and then spoke to the Supervisor of Fraud Protection he then apologizes. How is that going change my situation? I feel like they are keeping the using my card. There 's a hold on there and I do n't know why.

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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am currently with Navient student loans. I re-consolidated my student loans with them with a total of XXXX XX/XX/XXXX. I have contacted them about payment options that would be available to me since then multiple times. They constantly tell me that the payment option that I currently have would be the only option for me. Then they have put my account of forbearance a few times. Now it is XX/XX/XXXX my balance is {$31000.00}. I just made a payment of {$170.00} and my payoff balance has went up not down. I am making a monthly payment but it is not helping me at all. My balance keeps increasing with every payment that I make. They have me set to pay off my total in XX/XX/XXXX with paying XXXX every month at that time. 
Every time that I call them I am told that I am on the only payment option available to me and that if I can not make my payments the only option I am given is forbearance. I have not been late except when trying to find options from them. 
Now at this time the interest payments for my account is XXXX but my monthly payment is XXXX so I am leaving XXXX every month that keeps adding to my total. I am NOT making a difference now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Windham Professionals, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep getting calls from Windham Professionals to collect a debt from XXXX XXXX. We have called the number XXXX as the message states to indicate we are no the party to discontinue the calls but they ignore the pleas.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was told via Equifax 's website that I may have been affected by the giant security breach that was reported on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone has been using my credit information and are applying for credit cards.

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 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: After I make the monthly payment, interest charge for purchases and interest charge for cash advances are charged to my account. I am debited with these charges, after I make a payment on my account as if I have made additional purchases, and cash advances ( since the last payment ) from my account when I have not.

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 02-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: continued attempt to collect a debt with failure to provide verification under the fair debt collection practice act notice of validation was sent by myself on XXXX/XXXX/2016 via U.S.P.S. certified mail tracking XXXX notice was received on XXXX/XXXX/2016 and proof mailed back to me return receipt # XXXX they failed to provide the following information Explain and show me how you calculated what you say I owe, Provide me with copies of any papers that show I agreed to pay what you say I owe, Provide a verification or copy of any judgment if applicable, Prove the Statute of Limitations has not expired on this account, Show me that you are licensed to collect in my state, Provide me with your license numbers and Registered Agent. 
continued efforts have been made to collect the debt without validation under the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Equifax has refused to properly investigate   XXXX   ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Fair Collections and Outsourcing  was sent a certified letter on  XXXX   XXXX  requesting validation of said debt. Letter was picked up at USPS on  XXXX   XXXX  at  XXXX , A final goodwill letter was sent on  XXXX   XXXX .     Fa  ir Collections and Outsourcing has failed to provide me any evidence. I have maintained a careful record of communication with them in which they have failed to respond within 30 days.
Fair Collections and Outsourcing are in violation of federal laws under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and the corresponding state laws.

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 06/14/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: yes i have a car loan out with ally.on my credit reports does not show im makng on time car payments??? like too know whynot???? should show on XXXX reports

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 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received a credit alert about a company by the name of Ability Recovery services so I called the number listed to inquire about the debt and why was it still showing, the rude customer service lady yelled the whole conversation so I never got any information I ask for nor could I give her my case number. After I asked her why she was yelling she continue to huff and puff and then hung up on me. I called back and the next rude lady decided giving her name was not necessary when I asked and she proceeding to yell as well.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: This issue is with Bank America charging me for condo fees that were never in default. I was working with BA with XXXX XXXX about this issue. The last conversation I had with XXXX XXXX is that I had proof that the fees were never paid to my Condo Association and I would mail them to him.. I then contacted my bank and received a bank statement showing no payments from BA were paid. I sent a letter to BA on XXXX XXXX, XXXX with the document. Before receiving the letter BA sent me a letter that I was " no longer eligable '' for a dedicated emploee to handle my complaint. { Enterprise Customer Care Resolution group } and rejected my claim. BA did not review my proof and has not produced their checks showing payments. The letter with proof was not received by BA to address my complaint before, BA made their decision. Further, BA has never produced copies of checks proving payment. The details of my complaint are below : Bank America charged me for XXXX Home Owners Association Fees ( HOA ) that were never paid to my Condo Association and they were not deleted from my Loan Modification fees. I was not in default of my Condo Fees.. I submited the following documents to BA. A copy of BA Transaction Report page XXXX which shows in the payments column XXXX ltems dated XXXX/XXXX/XXXX for {$4100.00} and {$4700.00} for a total of {$8900.00} charged on my Loan Modification Agreement. The condo fees were not in default. I mailed a copy of the bank statement made to my Condo Association showing that no payments were charged. The result is that BA charged the fees incorrectly and the fees should be returned to me. I am unable to attach the documents to this 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 monetary relief
Consumer complaint received 09/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Servicing is listing a negative account on my credit reports. I do know that there is no law requiring Ocwen to submit any credit information to these credit companies. Owen and I are working together to sell this house which would benefit myself and Ocwen. 
Ocwen is not seeking money damages so there is no reason to keep this account on my credit reports. The mortgage was predatory from the start and has been a nightmare ever since. Because of this derogatory account on my credit report, I have been denied credit, bank accounts, employment, and proper housing. The CPA prevents companies from unfair, deceptive, and abusive acts. I am being treated unfairly and abused by Ocwen. This account is not REQUIRED to be put on my credit file so there is no reason other than to harrass me, that it should be listed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company by the name of Jefferson Capital Systems , LLC ( JCS ) has made XXXX attempts at collecting a debt related to an overdrawn checking account from XXXX XXXX XXXX. After my initial letter vehemently disputing the account/debt relation to me, they interpreted this as my agreement to it and chose to move on with their " repayment program ''. 

I will appreciate input as to what my options are for an escalated response and defense from this rather irresponsible company and its unacceptable set of tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, U.S. Bank offered me a loan modification following a successful trial period payment. The loan modification documents are attached to this complaint. 

I signed the documents on XXXX XXXX, XXXX and promptly returned them to U.S. Bank for their signatures. They signed the documents on XXXX XXXX, XXXX. The finalized loan modification agreement is recorded on XXXX XXXX, XXXX XXXX of the XXXX XXXX county public records. 

The terms of the loan modification agreement established that my monthly payments were to be {$720.00} per month. {$470.00} for Interest and Principal and {$250.00} in Escrow payments. ( see attached ). 

On XXXX XXXX, XXXX, following the ratification of the agreement, I spoke to a U.S. Bank representative who assured me that I was now out of loss mitigation and my monthly payments would be {$720.00} as agreed. 

When I attempted to make payments on my loan, U.S. Bank refused to accept them. On XXXX XXXX, XXXX they stated that I had to pay approximately {$850.00} a month, otherwise they would not take my payments. He also claimed that they would later reimburse the excess back to me. 

U.S. Bank unilaterally breach our contract. It refused to accept my payments and now alleges that I am in default under my loan and that they will foreclose on my property. 

I have a legally binding, recorded contract with U.S. Bank. They offered and accepted the terms of the agreement. They recorded the agreement and accepted {$31000.00} from HUD to proceed with the modification. They have benefited in every way, yet refuse to accept our contractually agreed payments and are now attempting to take my home away from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation