milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX, I was contacted by telephone the caller saying he was collecting a student loan of {$750.00} that I owed from XXXX. He was brutal in his language and demeanor. He said the loan had accumulated over {$5000.00} in interest. I had never been contacted before regarding student loan debt and believed that all of my loans were satisfied. This groups passed my account back and forth between collection agencies XXXX name only XXXX located in Texas. I was quite ill at the time. I asked for proof of the debt and they refused and threatened to garnish my social security - my only source of income. My doctor provided information to them about my XXXX and their doctor confirmed it ; however, they insisted that I sign an agreement to pay. I signed with a statement that it was under duress. They refused to accept it that way and so I signed and sent a letter saying it was under duress. That letter is missing from my file. Since then they have garnessed my social security several times. Finally I was just granted a deferrment from the DOE but this collection agency still reports the loan has XXXX missed payments. I never agreed to payments and have notified them several times that this information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX I took out a XXXX loan for my son to go to college. 
My son paid on the loan and in XXXX he merged all his loans and since has paid them off. In late XXXX, early XXXX of this year I answered a call to my home phone of what I thought would be a telemarketer, because the ID said unknown caller. The female voice on the line asked for XXXX. I said XXXX does not exist and she said I am so sorry. Realizing that she thought deceased I explained that I was XXXX XXXX but divorced and now XXXX. She then told me that she was calling on behalf of XXXX and that I had a loan that has not been satisfied. I told her that she had incorrect reporting and why in the world would you call 13 yrs later. Since then I have received several letters in the mail of which I sent a bankruptcy notice ( XXXX ). I found that Federal loans do not qualify. No problem show me all the payment history. Who paid on the loan when payments were made and how they were made. I to date have not received any satisfaction with this request. My son called XXXX of whom he had merged and paid all the student loans with. The investigative dept was conferenced call with my son and I and all quesitons asked. The investigator did say this sounds like it may be a fraudulent claim. Still waiting on the results.I called the company Navient, in early XX/XX/XXXX the woman told me that there was XXXX on the loan # I gave her. I asked if she could mail me a copy of this XXXX balance. She said that she would have to send it to the finance dept and that takes up to 48 hours. No problem could they maybe send it to my email. She said yes. I waited a couple of weeks and never received it so I called on XX/XX/XXXX. I got a woman named XXXX told her of my request and she said you will have to call the guarantor, XXXX she gave me a # called and spoke with XXXX told her of my request and she too said you will have to call the guarantor of the loan. Frustrated I told her I was told that by the last lady and this is the # she gave me. She still said you will have to call. Now I am retired and living on a fixed income. This is so frustrating. Is this legitimate? Do I owe. I am trying to take care of this and getting no help. 13 yrs is a bit long to have someone decide to call and collect. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have filed previous complaints against  Financial Credit Network f or reporting that I owe {$190.00} for   XXXX   XXXX   XXXX   XXXX  , I have provided my lease that I did not live at that residence, I have provided an affidavit stating this debt does not belong to me, and a police report from the  XXXX   XXXX  Police Department in regard to this matter. When I contacted  Financial Credit Network y esterday on  XX/XX/17   , it was stated that they are awaiting " a response '' from the original creditor after I have proven that this account is reporting fraudulent negative information. I want this account removed from my Credit Report  IMMEDIATELY. I ha ve proven everything that was asked of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with AFNI INC. (NH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a phone call from Afni and subsequently a letter dated XXXX/17 from AFNI, Inc stating that I owed XXXX {$2300.00}. I never had a XXXX account. Talked to a XXXX representative and they said they could not find anything under my name or the XXXX account # XXXX ( provided by AFNI, Inc in the said letter ). XXXX asked me to file a complaint with their Fraud department as they told me someone is trying to collect under your name.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Experian 3 times as well as XXXX XXXX about an unknown collection account that appeared on my credit that does not belong to me. Thus, far I have not received a response in this regard from Experian or the collection agency and it has been 2 months. However the account still remains on my credit. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Chase Bank sent me a credit card in XX/XX/XXXX that never arrived and was later used to make fraudulent purchases in XX/XX/XXXX. Chase closed the account when they detected the purchase as fraudulent but they have refused to remove the charges against me. I have tried contacting them multiple times without getting any action from them. I have also filed police reports in XXXX XXXX, California ( where I live ) and XXXX XXXX, NV where the fraudulent purchases were made. 

Timeline : XX/XX/XXXX Fraudulent purchase at XXXX XXXX in XXXX XXXX for {$25000.00} ( APPROVED ) XX/XX/XXXX Fraudulent purchase at SuperStore {$320.00} ( DECLINED ) Fraudulent purchase at XXXX XXXX {$25000.00} ( DECLINED, which later was APPROVED ) XX/XX/XXXX I called Chase Fraud Department and was told that credit card account was turned over to Chase Security Department XX/XX/XXXX I called Chase Security Department XX/XX/XXXX I called Chase Security Department I faxed letter to Chase I set credit freeze with XXXX I filed police report with the XXXX XXXX Sherriff 's Department. The case was subsequently, turned over to XXXX XXXX Police Department. 

XX/XX/XXXX I called Chase Fraud Department and was told to call Chase Security Department next week XX/XX/XXXX I called Chase Security Department. Found out that Chase sent two cards, 1 in XXXX and another one in XXXX. I never requested for these cards. The card sent out in XXXX was received but the card sent out in XXXX was never received. 

XX/XX/XXXX I called Chase Security Department and was told that the case was still pending and no results until 10 days later. Someone was supposed to call back after 10 days but no one did. 

XX/XX/XXXX I faxed second letter to Chase XX/XX/XXXX Chase Dispute Department called. Case was still pending XX/XX/XXXX I called Chase Security Department and they were going to escalate the issue XX/XX/XXXX I called Chase Security Department. They would call me back in two days but no one did. 

XX/XX/XXXX I called Chase Security Department, was transferred to Dispute Department and then transfered back to Security Department. I asked to speak with a supervisor but no one was available. I was told that the case was still pending and it would take them 10 days to investigate, XX/XX/XXXX XXXX from Chase Lending Department called and informed me that I am still liable for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hi I sent a letter experian on the XXXX of XXXX 2015 disputing a negative item on my Experian report.I received a letter from Experian on the XXXX of XXXX saying they received a suspicious request regarding my credit report and determined it was not by me so they did not proceed with my request ( to reinvestigate the validity of the negative item and have it removed from report ) This was a way of stalling my request and keeping my credit score low.They told me to call them if I wanted this investigation to take place to call them.I called them on the XXXX of XXXX 2015 and verified that I had indeed sent in the request to investigate the negative and they assured me that they would do so.They didnt in a few days I received a letter saying it had already been investigated and they would not reinvestigate.These are stalling tactics and are discriminating against me making it impossible for me to get incorrect negative information removed from my credit report.I am sure its not the first time Experian has used these tactics and I want consumers to be aware and not to let Experian get away with these stonewalling tactics against individuals who have a right to ask the credit bureau to reinvestigate a negative item and remove it from their credit report if it is not verified within a 30 day period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Debt collection (I do not know) with Amsher Collection Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm continually getting calls from an agency called XXXX collection. I 've told them repeatedly that the person they are calling for does n't live here that they have the wrong number. They assure me they will remove my number then they will call back the next day. They call very early in the morning, weekends, and it 's really causing me XXXX. A few of the representatives have been extremely rude and and insinuated that I was lying about it being a wrong number. This has been going on for almost.a year.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan is with Nelnet and XXXX owns the note. I make my payments to Nelnet. I have been paying the loans for over 20 years since graduating from college in XXXX. I did have a couple deferrals and struggled to make timely payments when our daughter was XXXX and the high medical expenses we incurred XXXX. Over the last 10 years have made consistent payments and nothing is going to principle but all interest. My original amount principle amount was {$39.00}, XXXX and my current balance is {$63000.00}. My current Nelnet statement shows : Total principle paid through XXXX/XXXX/XXXX ; {$26000.00}, total interest paid through XXXX/XXXX/XXXX ; {$25000.00}, Total amount paid through XXXX/XXXX/XXXX ; {$52000.00}. This does not add up and I continuously ask for assistance in researching my loan and why my statements continue to show " XXXX '' to principle and my entire payment of over {$600.00} goes to interest only. I am frustrated and want to make due on my student loans and feel I have with the amounts I have paid. I am being taking advantage by this unlawful practice. Can you please help me investigate so I can get some resolution on how this is possible or legal to do to any consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: this company made a inquiry without my authorization on XXXX XXXX,2017

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 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Worth Finance Corporation (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Worth Finance mailed a random check to my home address, at the time XXXX XXXX XXXX, XXXX XXXX TX. XXXX XXXX the check was cashed. I knew nothing about the check and told them this when they came to my door. They put the debt on my credit report status closed in the amount of {$1100.00}. I have tried since XXXX to pay the balance and was told No I had to now pay {$3000.00}. I spoke with XXXX on XXXX/XXXX/XXXX who remember speaking with me in XXXX telling me again they would not allow me to pay the balance. I can pay {$99.00} a month, I told her I wanted to pay the balance of {$1100.00} and a letter stating the debt was paid in full. XXXX then stated she could not hear me so I called from my work phone. when she answered and I repeated I did n't think it was fair for their company to ask for XXXX on a closed loan, She then stated that the balance was not {$3000.00}. but {$2500.00} and it was lower then that in XXXX XXXX. I asked for a supervisor because as I explained to her. If the balance of this loan was less then XXXX in XXXX do n't you think I would have paid it. I am calling from my work number, which I gave her to give to her supervisor, which she stated was out of the office until XXXX/XXXX/XXXX. when I disputed the debt with XXXX XXXX, there was nothing done because they are one of Worth Finance main resources.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BNY MELLON, NATIONAL ASSOCIATION (NJ).
Issue: Money was not available when promised

Complaint: I  XXXX  from   XXXX   XXXX   XXXX     where I was in the    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     administered by    XXXX   XXXX  . On or about   XXXX   XXXX   2017 I submitted a form to    XXXX    to roll over the {$30000.00} I had in the   XXXX   XXXX   to my money   XXXX   XXXX   XXXX   XXXX  ..
The problem is that as of this writing I still have not received my money. I have a written dialog of the various phone calls I have had with  XXXX  service desk. As of now, I have had 10 phone calls with  XXXX  trying to get an answer as to where my money is. What I get is a new agent each time to whom I need to re-state the case from the beginning. And each time, there is a new story or a new twist. The agents at  XXXX  say that the problem is with Bank of New York Mellon who is the Trustee. They continue to send the checks to the wrong account. And I am now told I have to wait until BONY recovers the money from wherever they sent it.It is now   XXXX   XXXX    almost two months and    XXXX   can not seem to get this resolved. Soon the 60 day rollover period will expire and I may be liable for taxes on the money. I have written notes on every conversation if someone would like to review them.
I am at my witts end and I am desperately seeking someone who can get me my mone y.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  N.J.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Can you please ask Citi Bank to close my account for XXXX XXXX XXXX XXXX thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving calls in error. I have told the company they have the wrong number but they continue to call. I gave them my number and was told they would not call but they continue to call and threaten me with legal action. I am not the person they are calling for and do not know the person they are calling for.

Company response to consumer: Untimely response
Consumer complaint received 07/17/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Unsolicited issuance of credit card

Complaint: I recently learned that without my agreement, I was added as an authorized user on an account and that account is being reported to credit agencies as part of my overall credit report and debt obligation. The account is a Chase Amazon Visa.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages XX/XX/XXXX XXXX a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called XXXX and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( Chase ) had the info. When I called Chase they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called XXXX back with the findings they told me that they owned the debt and Chase should not have told me any thing when I called Chase back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (AZ).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of 2015. I started a FHA streamline refinance with US Bank Mortgage. It 's 3 months for the working on processing this FHA streamline refinance. Repeatedly, I would ask for a status update on the file. The loan processor would indicate the file is on holding pending release of a FHA case number. In addition, I was dissatisfied with the lack of response from the loan processor. I would send an email for a status update and I would n't hear a response for a couple of days. I have provide all conditions the lender had requested but still continue to experience delays in this FHA streamline refinance. It 's a lost savings of {$200.00} dollars per month. In addition, I had a request for Regional Manager to response to my complaints regarding lack of response and asking to waive credit report fee because of the time delayed in processing this file. So I decided to take my business to another lender. I asked US Bank Mortgage to transfer the FHA case number to the new lender XXXX. As of right now, I have not heard or received a confirmation they have transfer the FHA case number to the new lender. The new lender notified me this morning they have not transfer the FHA case number. I have left a message to the supervisor for loan processing requesting them to transfer the FHA case number. Currently, I have not received a follow-up regarding the status of my transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with Windham Professionals, Inc. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called my place of employment, at which I have only been employed at for 6 weeks, I have never used the phone number of employment on any documents, so how they know I work here befuddles me. I am not behind on any debts and I do not have any student loans. I also have received calls at my home and on my cell phone that were about student loans, but I do not have any student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to Equifax, XXXX and XXXX. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.

Company response to consumer: Closed with explanation