milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted XXXX XXXX and spoke with XXXX XXXX in the debt verification department regarding an account that should no longer be reported on my credit file. My original debt was with GE Bank which is now SYNCB Bank. My first date of delinquency was XXXX 2008. This date was confirmed with the original creditor AND XXXX XXXX also confirmed that the date of the last payment was XXXX 2008, however, XXXX XXXX stated that that information does not state that that was the FIRST date of delinquency. This statement by XXXX XXXX makes no sense being that the original creditor already confirmed this. This account was paid and I am not disputing that is was mine. I am complaining because it is over 7 years and should have been removed at least 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Midwest Recovery Systems has reported a debt to my XXXX and XXXX credit reports. I have no Idea why they are trying to collect a pay day loan amount when I am post bankruptcy and discharged. I have 2011 discharge and my case number is XXXX. I have not received a 30 day disclosure from this company and feel this may be a scam. It is illegal to collect a debt that has been discharged per bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: CMRE Financial Services ( collection agency ) has classified my account with them as in Default, however I have proof of payment via my HSA with XXXX XXXX XXXX that my payments which actually exceed the amount agreed upon, were in fact mailed to them within the XXXX days of last payment. Their letter is generated when payments have not been received with the XXXX days. However, I have mailed them XXXX payments, XXXX of which were within the time indicated but the agency has not cashed XXXX out of the XXXX checks or posted them to my account. I called their account specialist, who just wanted to over talk me and repeat that they do n't have my payment. I have copies of the checks that were sent to them by XXXX XXXX XXXX. Do I have any rights, even when an account is in collections to expect that my payments are accurately posted and in a timely manner? 
Thanks you for your assistance, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I believe I have XXXX loans from XXXX and would like to know if they were included in the CFPB settlement.

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. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a security breach wherein information was stolen, which could include SSN, names, birthdates, addresses and possibly DL numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XXXX compromised my personal identity without my permission. They did n't inform me of it for months, then wanted to charge me to protect my credit. Since there are three major credit agencies, I will get charged at all three of the agencies to freeze my credit information. I am not a customer of any of these agencies, and I do n't want to become a customer. I have a problem with paying for these agencies to protect information I do n't want them to have to begin with and information that they should be protecting as part of there business. 

I would like these agencies to freeze credit records by default and not try to extort money to protect a persons ' credit records. 

Now take this complaint and multiply by millions to get an idea about how furious all us regular people are!

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Cadillac Accounts Receivable Management (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX  made this account under  XXXX XXXX credit report shows on here fraud account XXXX  never sign for this false address  XXXX XXXX XXXX XXXX XXXX mi XXXX false address XXXX not live there 20 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Short ver : Graduated college, could not find a job like most. 
XXXX income but some money in savings, Called XXXX XXXX and later Navient about what options do I have for someone with no income and about XXXX in savings and both loan servicers said flat out do a deferment with no mention of any of the other repayment plans such as income based and income contingent plans. IBR would have been perfect because I still had some money in the bank to at least pay something to lessen the interest hit. The reason is they make more from the capitalized interest than on another other applicable payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court. 

XX/XX/XXXX, Midland Funding , LLC attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the Midland. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments. 

On XX/XX/XXXX, XXXX contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XX/XX/XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years. 

They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a nurse for over fifteen years, and I am a pretty great nurse. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: Dear Officer I am writing to report that Bank of America has never listened to its customers and has never looked into their mistakes. 
I followed the instructions of Bank of America but Bank of America did not keep its own instruction. Please ask Bank of America why they have XXXX policies for the same transaction? 
Thank you! 
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 05-12-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Receivable s Perfor  mance refu ses to remove a debt that has been paid off since  XXXX   XXXX ,  2012 . The original debt was with  XXXX  who, once paid, removed the entry from my credit within 90 days as they said they would. This company though says that they do not and will not remove this entry from my credit even though it 's adversely effecting my credit in a paid status. When you call they put you on silent holds or just let the phone ring. They treat you, even when you have paid the debt, as though you belong in debtor 's prison and you are wasting their precious time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After reviewing my credit report ( s ), I was surprised that Convergent was reporting an alleged debt with XXXX, which I had previously disputed with XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to XXXX, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: The following complaint arises from a Debt Collector impersonating a creditor by steeping in the creditors shoes to do a foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received a phone call on XX/XX/XXXX by NCC Business Services XXXX XXXX XXXX XXXX XXXX, XXXX Florida. about a {$2000.00} debt and asked to send me a written copy of the debt original signed aggreement and the balance from zero to present. As of XX/XX/XXXX never received anything so they are in violation of the fair debt Act, They also sent notice to the credit agencies. I also sent them proof of credit card payment!

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (I do not know) with FirstCollect, Inc. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i received an alert on my credit report for a debt collection of  XXXX  for " City of  XXXX  '' I live in   XXXX     XXXX   and have  zero b usiness with the City of  XXXX  or Delaware. This is the firs tim hearing about this and I have  zero kn owledge of this debt and why its being reported to my credit bureaus. i dont owe for this and it is a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I wrote in all of my personal information, and once I got to the identification verification page which consisted of questions to confirm who I am, none of them applied to me, such as car loans, credit cards and home loans opened in my name - between XX/XX/XXXX-XX/XX/XXXX. After answering N/A to all that did n't apply, I was show a page stating I have to manually mail in a request form. Now I 'm concerned that someone has my identity and is opening and being approved for large purchases in my name. XX/XX/XXXX, I moved to XXXX XXXX, where my maintaince guy through my apartment complex stole my Social Security Card and Birth Cirtificate as well as my sisters, and fled the state ( ACCORDING TO THE LEASING OFFICE ) Back then I did n't know how to report such fraud. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Account opening, closing, or management

Complaint: I recently saw an article on CFPB took action against Navy Federal Credit Union, you article states occurred XXXX to XXXX, I have been banking with NFCU since XXXX, until XXXX when they froze my primary account, when I went to NFCU to inquire, they told me there was a collection agency my spouse was delinquent with ( my Spouse was not on my NFCU account ) the collection agency was collecting on a ( XXXX XXXX XXXX that had been paid off ) I was told by NFCU that they could not unfreeze my account unless ordered by a judge, I hired a Litigation Lawyer and went to court, was awarded a favorable decision and the judge told them to release my funds, my Military Pay was electronic transferred to this account, I had to find another bank and change my direct deposit, I maintained an account with them {$30.00} since then, whenever I tried to bank with NFCU to include 3 months ago, I am told since XXXX that I can make deposit only, no other transaction. I want to continue banking with NFCU, if this is resolved. I can not make deposit to accounts I can not use. XXXX XXXX thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for a loan modification to prevent home foreclosure yet I was not assisted. I was informed that my home was to be auctioned tomorrow morning and the only choice I have is to file a bankruptcy. I 've never been disrespected and taken advantage of. I am very disappointed in OCWEN and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My student loan company Navient has scheduled an increase on my repayment plan to XXXX as of XXXX/XXXX/XXXX that i did not authorize that was once before XXXX which i started to payment XXXX/XXXX/XXXX. When i spoke to Representative he said the plan i was end only last 2 years, notice i been in this plan for 4 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: It seems like my private student loan interest rate goes up every month or every other month. I have been repaying it on time and even additional principle payments to pay it off faster. I would like you to check why the interest rate keeps climbing for no reason at all. I get letters often that the interest rate went up for no reason. I 'm wondering if this is legal? I am also wondering how I can get them to stop increasing my interest rate so often. It started at 4 % and is up to 5 % in less than a year. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I graduated school in   XX/XX/XXXX   I was under pressure to go school back in  XX/XX/XXXX . My mom and dad cosigned my loans. My mom was paying the interest on several of my loans while I was in school but the loans barely decreased. After coming out school she was paying what she could while I found a job. She  XXXX    XX/XX/XXXX   since then I have been unable to pay the amount asked which is over $ 1200/ month. Earlier in  XX/XX/XXXX  Navient threatened to sue and take me to court. Unless I made 3 consecutive payments at  XXXX / month. I was not told my account would automatically be debited. My dad helped me make a few payments which he barely even had. Since then they have been trying to take money out. I called in to complain one month where the automatically took money which was supposed to be used for rent I almost got evicted that month. I do n't make enough and I keep telling them that but they wo n't let me pay no less. My debt to income ratio is insane. They have harassed my phone several time which caused me to switch numbers several times they used to call my mom while she was at work she never included her work phone number on the application so we are unsure how they got it. They also call my dad who currently lives in  XXXX  consistently whenever a payment is missed. When we would make payments they were supposed to spread it across all loans but they would only do it on a couple and then harass us over the rest and we would have to call them and tell them it was supposed to be across all loans and then they would fix it. This happened several times which damaged mine and my fathers credit drastically.   XXXX   XXXX  /Navient has tarnished our credit so bad he is unable to refinance his house and is paying an outrageous amount on interest on his house. I ca n't even rent a new apartment at lower rent because I do n't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They have not properly validated this account as mine, nor provided enough information to be certain it even belongs to me. They keep sending same canned response letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing the loan or lease

Complaint: We are requesting of you to fully investigate the accuracy contained in our credit reports. We further believe the credit bureau, XXXX & TD bank are in violation of the following. 

Fair Credit Reporting Act ( FCRA 15U.S.C.1681 Section 616- Willful Non Compliance Section 617- Negligent Non Compliance Section 621- Administrative Enforcement In addition we are requesting to have the entire trade lines Deleted and for the credit report to be marked as Closed Without predijuced

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Balance transfer fee

Complaint: I have complained about this issue before but it falls on deaf ears. I am attempting to pay down a balance transfer on my credit card but the payments that I am making are not being allocated to my account and are " disappearing ''. I was told that I could pay off the balance transfer fee at any time so I have sent in XXXX seperate payments just in XXXX alone to try to pay off all my interest bearing purchases and the balance transfer fee so that all that remained was the zero interest balance transfer. When I send in the payment amount that I am told to pay to pay off those purchases and transfer fee, the payments never get applied. I want everyone who reads this that this offer is nothing but a scam and that anyone who attempts to pay down their balance transfer will never get it paid off since payments mysteriously disappear and are not applied to the account. I have a friend who works in the banking industry and has put me in contact with the Securities and Exchange Commission as well as the Federal Reserve. They as well as my attorney are very interested in this illegal activity.

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 02-09-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow-up to a complaint submitted on XXXX XXXX, XXXX, ( Case number : XXXX ). This concerns the fact that my current mortgage was sold by XXXX to LoanCare XXXX as of XXXX XXXX, XXXX. It is my understanding that according to CFBP regulations, the new owner of my loan must notify me within 30 days of the effective date of transfer. It is also my understanding that both my old and new servicers must notify me about the transfer of my servicing rights no less than 15 days before the effective date of transfer. I have received no notification from LoanCare or paperwork of any kind. I contacted LoanCare on XXXX XXXX to inquire about my loan and to obtain a Loan Number so I could make my XXXX payment. As of XXXX XXXX, XXXX, LoanCare customer service had no record of my social security number in their system and no knowledge of my loan. LoanCare stated that they will not charge late fees for the month of XXXX and that I will receive information sometime this week. However, I have received no written assurances that late fees will not be assessed, and when I asked to speak to a LoanCare manager, they cut me off. I am extremely concerned ( based on their current ineptitude, online reviews and a XXXX grade of " XXXX '' ) that they will charge late fees and my credit rating will be damaged as a result. I am also highly disturbed that this company will be handling not only my mortgage, but property tax and home insurance payments. I am sending this additional complaint to add information to the record should it be necessary to take legal action against LoanCare.

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