milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Kabompo Holdings, Ltd. (CA).
Issue: Unexpected or other fees

Complaint: Please see the attached complaint made to the NY XXXX  regarding XXXX. After several months delay the issues remain and instead believe this cases handling used to compel XXXX XXXX amidst efforts by those to take advantage of XXXX XXXX   system in takeover attempt of commercial projects. The timing appears connected to a block chain and due to ediscovery innovations linked to my accounts not sure if there are overlapping ip issues beyond the original issues complained about. Not satisfied with the NY XXXX  handling. Shortly after they issued the NY XXXX  issued a message on Virtual Currency 's that was general on fraud and manipulation of virtual currency. Some of the issues extend to blockchain and smart contracts also which XXXX encompasses. However the specific handling of my own matters not appropriate. Please see attachments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with Advanced Collection Bureau, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i signed of lease as a occupant over the agree of XXXX old which under law does not make responsible for the debt, prior collection agency removed debt because of the fact I do n't have legal responsibility for debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax Information service response with the normal scripted answers, as if the consumer did n't attempt to resolve the issue with them first, my statement is Equifax Information Services does n't actually investigate disputes to wit : There are XXXX accounts on my credit report, that do n't bear my name, the name that is upon my social security card, my social security XXXX check, and my credit report, yet they continue to state that they are verifying the information as belonging to me, which is false, based upon the continual pattern of not investigating the complaint. Specifically in 2005, based upon a duplicate issued social security number issue, and usages of name identification of XXXX or more individuals bearing the same name, my name was changed on my social security records completely to what it is now, and yet entries continue to appear on my credit report which are n't mine, and the credit reporting agency continues to state that they are verified, but they ca n't be verified if they do n't bear my name as the first criteria for verification. Equfax has only one agenda enrichment of self regardless of fact, and regardless of truthfulness of those facts. XXXX, XXXX XXXX XXXX XXXX, having Equifax previously respond indicating it did n't report, then reporting such without notification of change, and now stating that its verified, when the verification standard only includes their statement, but not factual, since it does n't bear my name. XXXX, a collection for XXXX XXXX, which i did n't open, that once again does n't bear my name or the creditor has not contract or proof that i ever applied for such service, yet reporting as verified. In the effort to prevent unauthorized usage of my information my social security number and name identification was changed, and yet equifax has continue to allow the pulling by inquiry of my personal information, without my social security number, basically the offender is making up a social security number, and providing my address which gives them my information. I herein request that all inquiries, excuses, and lies from equifax cease, and that the accounts that do n't bear the name identified with the social security number be removed. Equifax is n't secure, and their system is easily overridden by changing social security numbers to get the correct social security number, and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease

Complaint: My car was totalled in a XXXX in XXXX XX/XX/2014. Upon XXXX reviewing the loss, they contacted Wells Fargo Dealer Services ( WFDS ) to get the total estimate of my outstanding loan and they have sent WFDS a check for the same amount. This was all within the same billing period. After XXXX sent the check, WFDS came back saying that I was late in my payment and they are showing the same on my credit report. I have disputed this record and yet there was nothing done.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with Direct Capital (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received call from ( XXXX ) XXXX and msg indicated call ( XXXX ) XXXX -- person answering did not identify the company I was calling and got testy when I asked what company I was calling ( interestingly, without my telling this person my name, they had my name ) -- I refused to give this person my name and asked at the get-go what company had called me. This person was yelling at me stating that " no one ever calls and not states who they are ... '' -- stated I was being sued for a $ XXXX debt and writing a bad check for over {$1000.00}. I am not the person they wanted : name was my first and last name, date of birth not mine, state of residence at time of " crime '' was in Louisiana. This person was very, very rude, yelled at me, and threatened to send case for me to be arrested. Finally after verifying the above name, date of birth, and state, the said would remove my name and number ; however, I have received several calls from this same number. Please do something about this. When I looked up both telephone numbers on the internet, there are complaints about a man named " XXXX XXXX '' -- I still do not know anything about the company or the company he is " representing ''.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: In XXXX XXXX my husband disputed an account with Equifax because they were reporting an account included in a BK with current activity showing up. After weeks of phones calls to the creditor ( XXXX XXXX ) we were able to get them to notify the credit reporting agencies that the account was not included in our BK. XXXX XXXX sent a letter out to all credit reporting agencies to inform them of this. All of a sudden the XXXX account is showing up on my credit report along with my husbands stating that a charge off occurred on XXXX in the amount of {$800.00}. It also states that a charge off in the amount of {$1600.00} also was done. This is also incorrect. XXXX XXXX then sent my husband and myself a letter proving that the {$800.00} was actually charged off on XXXX/XXXX/XXXX not XXXX. Equifax is re-aging the account which is illegal. I am now getting notifications that a new BK is showing up on my credit report which is also incorrect. Our BK was discharged back in XXXX XXXX. The {$800.00} that was charged off is over 7 years of age. Because XXXX XXXX had the account listed incorrectly we were never made aware that this even existed. Our lender is the one that told us about it and stated that this account was showing current activity and listed as a BK and needed to be corrected in order for us to purchase our home. This should not even be on my credit report. XXXX deleted the account completely. My husband added this information to his dispute with Equifax and they just rejected it stating it was a duplicate when in fact IT IS NOT. It included the new information from XXXX XXXX showing that the account needs to be corrected. I have tried and tried to file my own dispute with Equifax online and continue to get timed out or they can not locate my file etc. I am fed up and want this incorrect information fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: A company by the name XXXX XXXX kept calling me about Obama student loan forgiveness. So I finally answered and spoke to them on the phone and they explained to me what they do and what theyre about. So I liked what I was hearing so they got me to sign a contract to pay them 40 something dollars, every month for them to hand my student loan payments for me but it turns out my student loan was not being paid AT ALL.! They also asked for my personal information as well and took money out my account for months. So I called my Student Load provider and they told me that is was a Scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Not a valid collection - balance paid to  ORIGINAL CREDITOR.      At the time of the payment to the ORIGINAL CREDITOR the account with receivable management was CLOSED. They had nothing to do with the payment I made directly to the ORIGINAL CREDITOR  XXXX . Now they have opened a false account on my credit report stating I paid this debt in full. I paid this debt to the ORIGINAL CREDITOR   XXXX  , not receivable management.

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 06/28/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am XXXX from a XXXX in 2003. My income went from about {$4000.00} a month to XXXX ( social security XXXX ) My XXXX was severe enough for my Social Security to be approved in just 3 months. I have begged J.P Morgan Chase to forgive my private student loans as, my financial situation will not be getting better. I am XXXX years old, and certainly did not plan on my XXXX career to end as it did. My husband ( who is XXXX as well ) struggle each month with making ends meet. I have continually pursued this loan forgiveness, and they continually turn me down. The last letter I received said I did not meet the " destitute : criteria. My Loan is now being handled by XXXX XXXX services, who on their website it says you may be awarded a XXXX forgiveness if you are deemed unable to work. In the paperwork from the Qualified XXXX I saw for my XXXX it says, and I quote '' XXXX ( XXXX ) XXXX can not return to work as a XXXX requiring direct unsupervised patient care '' end quote. I can not lift, bend, stand, sit or lay for any prolonged periods of time. What exactly do I have to do to get J.P Morgan Case to realize I am XXXX and will NEVER be able to work again, and do not have the means to repay this loan. Would they like for me to send them one of my limbs??? I will continue to fight them and will not be making any payments of loan XXXX and XXXX until something is done. I will continue to make loan # XXXX payments only because my son co signed for that one. I need someone to listen to me and help me! Maybe its time for them to help others like they got help with the bailouts years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (I do not know) with Penn Credit Corporation (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I constantly rcv a phone call from XXXX,,, was finally able to link it to Penn Federal Credit and once they asked my wife for my name and claimed I owed a long overdue debt. We owe not unpaid debts to anyone ... checked our credit reports ... high scores no outstanding debts ... .they continue to call up to 5 x 's a day and I get a recording and when I call the recording they just want phone number and information ... .they do not stop this harassment and I have no way to directly contact ... no written bills of anything ever sent in the mail..this concerns me as I was on the XXXX hacking list and these calls started after this. How does this ever end??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The whole year of 2017 i had sent letters after letters to Experian and XXXX complaining to them that my files are crossed filed with my fathers, hes a Sr and I am a Jr.The item is a Repossession of acc # XXXX  that's reporting on my file and their response is that its been verified as mine. I've written numerous of letters stating that i need verification of the contract that was signed by me as the consumer with my social security number on the contract, but they have not produced no contract at this time. I am fed up and about to go file with my claim if this does not get resolved soon. I have already sued them before for what they have done to my reputation and about to do it again if this item does not come off my report with out verification. This has happen to me before with our files getting mixed up.I need them to provide me the burden of proof that i was the buyer of the vehicle when purchased with my signature and social security number on the contract.

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 04/21/2016 about Mortgage (Other mortgage) with Selene Finance LP (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In getting the necessary paperwork for a mortgage refinance, the Bank that is doing the refinance ( XXXX XXXX Bank ) requested a loan payoff statement from the current holder of the loan ( Selene Finance ) on XXXX XXXX, 2016. XXXX XXXX Bank has made at least XXXX follow-up requests and Selene has still not provided the statement. I called Selene personally on XXXX XXXX and again on XXXX XXXX virtually demanding a response. Their response to me on the XXXX was that it would take a minimum of five days. After I demanded that the clerk follow up with a supervisor she came back on and said that I could " expect '' to get the statement on the following day. She explicitly offered no guarantee. When it did not arrive, I called and insisted on speaking to a supervisor myself. XXXX XXXX came on the line and was ever so conciliatory, agreeing that two weeks to comply with our request is unacceptable. He suggested that I have the statement emailed to myself rather than faxed to the bank. He could not be sure that their phone lines are reliable. I gave him my email address using the international phonetic alphabet, which he said he understood, and he read it back to me correctly. I have still not received the requested document. I can see now that XXXX XXXX XXXX is the epitome of passive aggressiveness. It seems that I am being punished for being forceful. Being patient and polite did not work. Being forceful did not work. The refinance will save me about XXXX dollars per month in mortgage payments. The only thing holding it up is this XXXX document that Selene seems to be refusing to provide. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX credit card. XXXX is now called XXXX. My credit report shows XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I heard about the CFPB 's lawsuit against TransUnion & XXXX re : misleading consumers into signing up for their credit monitoring service and wanted to add my complaint. I do n't need a refund, as I do n't believe I was charged more than {$1.00}, but I wanted to share my story. Last year I inadvertently signed up for TransUnion 's credit monitoring service, thinking I was only requesting my free annual credit report. It was not made clear that I was signing up for a subscription service that would cost a monthly fee. The site did say that I would be charged {$1.00}, which I thought strange since I thought consumers were entitled to a free report every year. But, since I was n't sure, I went ahead and authorized the {$1.00} payment, thinking it was for my credit report. Turns out it was their promo fee for the monthly subscription. It took a while for me to figure this out, but once I realized the mistake I was able to cancel my subscription before they began charging me. Thankfully, I only lost {$1.00}.

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 11-06-2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fraud occurred on my credit card and I was alerted by Wells Fargo and issued a new card. However when I got the new card they put the fraudulent transaction back on the new card. I have called and called to ask them to take the charges off but it never happens. This happened in XXXX and I still can not get it fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I received two XXXX Grants : ( a ) {$3000.00} for Award Year XXXX and ( b ) {$4000.00} for Award Year XXXX Conditions of the XXXX Grant that would prevent it from converting to a Direct Unsubsidized Loan were : ( a ) I must XXXX as a full-time highly qualified XXXX in a high-need field, ( b ) I must submit annually a XXXX Grant Certification that states my intent to fulfill my XXXX Grant obligation and to document the prior year 's qualified teaching service. I started teaching at XXXX XXXX XXXX XXXX ( XXXX XXXX TN ) in XXXX, XXXX and I sent certification for the calendar year of XXXX. ( Exhibit 1 ) I graduated with a XXXX on XXXX XXXX, XXXX. ( Exhibit 2 ) In a letter dated XXXX XXXX, XXXX, XXXX XXXX stated that my XXXX Grant Service Obligation Period Start Date was XXXX/XXXX/XXXX. ( Exhibit 3 ) During the XXXX school year I remained at XXXX XXXX and submitted certification for calendar year XXXX. Due to confusion, this certification was sent on two different dates ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). ( Certification 1- Exhibit 4 ) ) I transferred to XXXX XXXX XXXX for the XXXX school year. Certification for Calendar year XXXX was submitted on XXXX/XXXX/XXXX. ( Certification 2- Exhibit 5 ) I received a letter dated XXXX XXXX, XXXX from XXXX XXXX confirming that I had two years of  certification requirements remaining. ( Exhibit 6 ) Certification for XXXX was submitted on both XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. ( Certification 3- Exhibit 7 ) I received a letter dated XXXX XXXX, XXXX from XXXX XXXX confirming that I had one year of certification requirements remaining. ( Exhibit 8 ) Certification for XXXX was submitted on XXXX/XXXX/XXXX. ( Certification 4- Exhibit 9 ) A letter dated XXXX XXXX, XXXX from XXXX XXXX confirmed and stated that " ... you have fully satisfied your service obligation for the program of study ... and ... You have no further teaching, certification, or other obligations for these grants. '' ( Exhibit 10 ) XXXX XXXX then notified me that the XXXX Grants had been turned into unsubsidized loans. I have made repeated phone calls to XXXXXXXX XXXX to correct the error. In summation, my last XXXX Grant was received for the XXXX academic school year. I graduated from the XXXX Grant eligible program on XXXX XXXX, XXXX. ( Exhibit 2 ) I then fulfilled my 4 years of teaching and certification requirements for XXXX, XXXX, XXXX, and XXXX. It is my contention that XXXX XXXX has either erroneously or fraudulently converted the XXXX Grants into unsubsidized loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended the California School of Culinary Arts in XXXX, California for 3 months in XX/XX/XXXX, and according to the school documentation I was charged {$11000.00}. I signed a " signature loan '' with XXXX XXXX Student Loans ( Now Navient ) to cover the cost of the school tuition and fees. XXXX XXXX ( Navient ) has since reported to credit agencies that I took out XXXX school loans to cover the expense of attending the XXXX, totaling over {$44000.00}. With interest, the amount that XXXX XXXX ( Navient ) now reports that I owe to credit bureaus each month is over {$100000.00} ( for attending cooking school for 3 months in XX/XX/XXXX while I was still in the military ). This false and inaccurate reporting on behalf of XXXX XXXX has ruined my credit status and has prevented me from qualifying for a home loan and other loans that would improve my quality of living. Whenever I have attempted to remedy the situation with XXXX XXXX ( Navient ), both by phone and in writing, I have been stonewalled ; the only response that I have ever received from them is that I owe the {$44000.00} plus exorbitant interest, totaling over {$100000.00}, and I need to pay it or it will continue to be reported to the credit bureaus. My loan went into default officially in XX/XX/XXXX, which only makes any attempt to deal with XXXX XXXX ( Navient ) all the more difficult, if not impossible.

Company response to consumer: Closed with explanation