milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is reporting three accounts on my credit that do not belong to me. Two of the accounts are under the company " XXXX XXXX '' and the third account is under the name " XXXX XXXX ''. The account numbers are " XXXX '', " XXXX '', and " XXXX ''. I have sent disputes to delete these accounts from my report on XX/XX/17, XX/XX/17, XX/XX/17 and nothing has been done to properly address my concerns. I have only received generic letters from the bureau telling me the information has been verified and that I need to call these companies. I am filing this complaint because I have already spoken to these companies and they can not pull up records that match my personal information. The credit bureau is placing other persons ' accounts on my credit and it is most likely due to my common name. I am not the XXXX XXXX who opened these accounts, I do not have unpaid debts with these companies and I have never received any bills or mail from them in the past.

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 10/29/2016 about Credit card () with JPMORGAN CHASE & CO. (AL).
Issue: Advertising and marketing

Complaint: I applied for and received the Chase Sapphire Preferred credit card. I selected this card after reading in Consumer Reports and the Chase Sapphire Preferred website that is came with a XXXX point bonus after spending {$4000.00}. When I received the card, among the benefits listed on the paper to which the card was attached, there was no mention of the XXXX points nor on the brochure describing the benefits. There was also no mention in the fine print cardholder agreement. When I called Chase Customer Service to inquire, he assured me I would get the bonus. When pressed that I had nothing in writing and needed something, the best he could offer was to send out a generic letter, no reference to my card number, and that I had it on the website, and everyone with this card gets the bonus. I pointed out the website could change tomorrow and in effect, I could spend the {$4000.00}, receive no bonus and have nothing showing I was to get the bonus. I closed my account. No loss of money but negative effect to my credit score for getting the card

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I received a notification stating my balances has decreased but new collections added. I know that I should not have any new collections so I viewed my Equifax report and noticed that accounts that were dele ted 2  to 3 years ago has reappeared on my credit report. According to the law I suppose to be notified within 5 days of a collection item being placed back on my credit report. I was not and the following accounts were added without prior notification which is agent FCRA. I spoke to  XXXX  at equifax and he refused to help me and I advised him that according to the law that I am sure he is aware of that I suppose to be notified in writing. The following accounts were added without notice and I need them to be removed IMMEDIATELY. I also spoke to  XXXX  which stated she was a supervisor.Spoke with the supervisor and she was not willing to help in anyway and basically told me I was lying about the accounts being removed. She grilled me as to how I received the information and I explained to her I had the information in my files and she stated that they dont have it so how do i.    1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded back and was removed  XXXX   XXXX ,  XXXX  2.  XXXX   XXXX   XXXX    XXXX  was readded back and was deleted   XXXX   XXXX     3  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readed back and was deleted  XXXX   XXXX ,  XXXX  4.  XXXX   XXXX   XXXX    XXXX   XXXX  was readded back and was deleted  XXXX   XXXX ,  XXXX   5.   XXXX   XXXX     XXXX   XXXX  was readded back and was deleted  XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded and was deleted  XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MA).
Issue: Trouble during payment process

Complaint: Regarding complaint # XXXX, Ditech 's answer is quite misleading. The payments were submitted as their customer service rep advised. Later, the story changed and electronic payments are now the problem. Which is correct? XXXX never addressed the question of whether my information was sent to another customer, just as another customer 's information was sent to me. I would hope in this day and age, they would be more careful with private information but they sent me another customers papers twice. I would like a written statement from them that my information was never revealed to another customer. Thank you for finally getting to the truth and getting them to admit they changed their platform. I was told several times there were no changes made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you,

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (WY).
Issue: Billing disputes

Complaint: My complaint is against First National Bank Omaha. They have not sent me a statement in 3 months and have blocked my access to my online account. My username & password do not work & wo n't let me set up a new one. I have sent a payment, they claim they did not receive it. There was a {$500.00} credit to my account, and I can not find out if it is in my account or not because I ca n't see my account. they are pulling payments out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2016, I used Capital One 's new XXXX payment system and sent XXXX {$350.00}. The service allowed me to send a payment to XXXX by her phone number XXXX. XXXX never received the funds and our investigation began. Trace number for this transaction is XXXX. 

In short, the funds were transferred to an account at XXXX. An account that was closed 5 years before this payment 's submission ( XXXX does not currently have a XXXX account ). We were told that XXXX ( Capital One 's service provider for XXXX ) saved XXXX 's old information and the funds were automatically sent. When speaking with XXXX, they claim funds can not be transferred to a closed account and those funds were rerouted back to the sending party. As it stands now, Capital One is refusing to investigate further, XXXX indicates they do n't have the funds and XXXX wo n't speak with me. 

To date, I have spent over 12 hours on the phone with 10 different Capital One agents, 4 Different XXXX agents and XXXX person from XXXX. Capital one claims they located the funds, but can not support us in returning them. XXXX claims they do n't have the funds and XXXX wo n't comment. I 've even bridged a call between Capital One, XXXX, XXXX and myself. Which resulted in a stalemate of no one claiming responsibility. 

Sadly, the facts listed above to not touch on how irresponsible Capital One has been in the matter. A representative from Capital One ( XXXX ; AgentID XXXX @ XXXX ) indicated " this product roll out has been a very big mess and we should get your funds back ''. Three weeks later, XXXX called the day before XXXX to tell me that the issue is my problem, because the recipient has bad information in XXXX. I explained this is a XXXX service offered by Capital One and there should be systems in place because consumers do n't know who XXXX is and the consumer is not responsible for managing a XXXX account. 

Please help, this is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have recently obtained a copy of Experian report and the information does not relate to any transactions that I have made ; therefore, I am requesting that these inquiries be completely removed and blocked from my credit file.

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 09/22/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 I hit a 6 year HAMP anniversary and was entitled to a {$5000.00} incentive. Ditech purchased this account in XXXX of 2015 from XXXX. Ditech refused for months to acknowledge that the loan had hit it 's 6th year anniversary. Eventually they agreed but then said they were waiting for the funds. I complained several months ago to this board and you closed it out when they said they were still working on it. It 's now several months later and almost a year beyond the point when I should have received this credit. Please help!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I got notification today as of XX/XX/XXXX that my grace period for my college loans was over. During the years of XX/XX/XXXX-XX/XX/XXXX, I was in XXXX school and had a grace period to defer my loans for XXXX. However, since my school has updated just recently that I am no longer a XXXX  student. Navient decides to let me know that I have a payment due in 4 days XX/XX/XXXX. <P/>Navient did not let me know at least a month of advance to make a payment. I can not afford that payment since I was just given a 4-day notice. My next payment is due on XX/XX/XXXX. <P/>They just let me know as of now the change of loans has been changed which is XX/XX/XXXX ( today ). My complaint is that Navient should have better timing to notify their customers of payments at least in two weeks or a month advance so that I could make a payment or try different options if I can not make the payments. <P/>I hope you can assist me with this matter. I 've my emails to show as proof. I contacted customer representative this morning on my way to work, who did n't quite understand why I called to let Navient know pursue better business practices of letting the customer know the payments. She was not as helpful ; it seemed she needed to wake up get a grab a coffee. She told me my options, but I could barely understand her since she was mumbling. Maybe she needed to grab a cup of coffee. <P/>In conclusion, I reached out to Navient, who do n't understand what the issue is. The issue is the timing and notification of payment less than four days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (CA).
Issue: Other transaction issues

Complaint: **FYI I will keep filing complaints until google fixes my issue** My nephew used my account to make purchases ( he is a minor ) google refuses to refund what was charged. Google referred me to a developer and the developer said google MUST and needs to refund these charges. Google refuses to accept responsibility and refuses to refund charges that have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (I do not know) with Loan Science, LLC (FL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: This company has been calling my phone non stop asking for someone I do not know and refuses to identify themeselves and the name of the company they are calling from.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Was paying XXXX and Navient $ XXXX+ faithfully every month. I went through a financial hardship and called in several times to see if I could get the monthly amount decreased. XXXX and Navient told me that they could not grant that request and that I would have needed to reach out to another financial institution such as my bank to see if they could possibly refinance it with a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Stop ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (MD).
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint: I would like to setup repayment arrangements for the balance owed on credit card.

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 07/14/2017 about Debt collection (Medical debt) with I.C. System, Inc. (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: IC System is reporting on my credit reports an amount of {$510.00} they have refused to provide documentation of validation and/or verification of this amount following two written requests.

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 07-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo had my Deid in Lueu approved in XXXX XXXX for my house at XXXX, VA XXXX. I sent them all paperwork including my agreement to vacate the property. The second mortgage also had approved. They kept dragging things out saying there 's an issue with the title. All of a sudden, they call me in XXXX and tell me that they need to send me the final paperwork and I need to sign and return immediately. 
I told them, " great, send it to me in XXXX XXXX because I 'm here XXXX ''. She said she was n't sure she could do that and she would call me back when she got an answer. 
The next time they contacted me was to tell me I need to start over and that I ha a new contact. That guy was worthless. I had the second mortgage ( also Wells Fargo ) sending messages to him and his manager. 
Long story short, I 've tried to do a short sale from XXXX XXXX before stopping payments due to XXXX and no renter in the house. WF home preservation has the keys to the house since XXXX XXXX and did n't fix the fence that fell down in a storm in XXXX. I now have at least XXXX court judgments against me due to this. 
The inspectors wo n't go to look over the house since I 'm not there to let them in and do n't even have the key. Thus, I have '' failed to complete the Deid in Lueu process ''. I have complained to the Office of the President and their records only show I have n't done what I need to do. I have asked for the recordings to prove what I 've said is true and they said I need a subpoena since they are their property. 
I contacted XXXX XXXX 2 times and talked to different guys, but they said that is outside their scope and referred me to HUD. They ca n't help and said I need to file a complaint with you and find an attorney. 
The best part, on XXXX ( 90 days after retirement exactly ) they send me a letter stating they are going to start foreclosure if I do n't pay my delinquency. 
I do n't know what they gained from this other than the house appreciating, but they have intentionally been dragging me and my family through this nightmare for years to avoid SCRA rules. 
I need help and need it by XXXX XXXX, XXXX please.

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 09/24/2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I first recieved a call from an UNKOWN number, I picked up and a man answered, when I asked him the reason for the Call he said my name and asked me to acknowldege if it was me. He said he was with a processing company and that they were trying to reach me so that they could serve me with papers for reasons that he was not able to say, he gave me a number to the law firm attempting to provide me with summons papers. XXXX I called this number and gave them the case # that the man had provided, they pulled me up and transfered me to their " Legal Dept '' where a lady named XXXX XXXX picked up and told me about a debt that I had never even heard of. A Wachovia bank acct overdrawn {$1600.00} ... she said if I did not pay that I would be sued and taken to court. She then offerd me a settlement of {$750.00} dollars and asked for my EMAIL so i could send her the contract with my credit card information, afraid for my credit score I complied and gave her my email address, after she said if taken to court that I would end up spending thousands more. I called my father and he immediatley understood this was a scam he advised me to file an FTC complaint and advised me not to send these people a single dollar. I am writing this in hopes that some type of action can be taken against these people to prevent innoncent consumers fron buying into these disrgraceful practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stallings Financial Group, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt was owed to the XXXX XXXX XXXX and XXXX XXXX. I had temporarily moved from my home due to illness and had my water shut off. In 2015, when I requested new service the water authority did not inform me on how they would bill me so I assumed I would get a paper bill. When I never got the paper bill I repeatedly contacted the agency requesting the bill. I even contacted the XXXX XXXX because other mail had been missing from my home. Despite these requests, I never got a paper bill but came home XXXX day to the water being turned off and a hang tag on my door stating I owed over {$200.00} in back water bills. Additionally, at some point after that I started getting collection letters from Stalling Financial Group. I had no idea who this entity was. I immediately contacted the water authority only to find out that they had been sending my water bill to me through e-mail and it had gone into my junk e-mail. At no time did the sewer authority obtain my consent to e-mail me the bill. Through conversations with the sewer authority, they were willing to remove this item from my credit report because I did not get a bill and I had called them regarding the same. However, they did not own the debt and could not recall it and the persons that they spoke to at Stallings Financial refused to even discuss the matter. I believe this issue was handled incorrectly by the sewer authority and Stallings and I would like this matter removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation