milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX XXXX I took out XXXX loans which totaled roughly {$35000.00} from XXXX XXXX so I could attend a XXXX XXXX XXXX XXXX XXXX in California. My interest rates ranged from 4 % up to 14 %. 
When I graduated 10 months later I was making {$11.00} an hour as a XXXX and making monthly payments totaling {$5500.00} in the first year. I struggled to make payments and was hounded by phone calls and letters constantly until I caught up. I was able to pay back over {$16000.00} the three years after I had graduated. 
When I lost my job the payments were too much for me to bear financially so I called XXXX XXXX and spoke to customer service. I was recommended to go into forbearance for lower payments and as far as I was told, forbearance was my best option. 

I tried to get info on how to remove my mom as co signer from my loans because at that point some of my late and missed payments had started to show on mine and my moms credit reports. I was never given any direction on how to do that and I was also told my mothers name would only be removed when my loans were paid off. 
In XXXX XXXX I started a lower {$110.00} a month payment arrangement which lasted for three years. I missed a few payments when my debit card that was in file expired and my loans defaulted in XXXX XXXX. 
I am currently paying {$250.00} a month to Navient plus {$50.00} a month to XXXX. 
My original loan amount was roughly {$35000.00} My current loan balance is roughly {$49000.00} I have paid {$28000.00} towards my student loans. 
Dealing with XXXX XXXX has been the bane of my existence for the last ten years. They use bullying, threats and misinformation to get paid and I truly believe that I am being taken advantage of along with so many other people from my generation who were just trying to get an education so we could get ahead and live the American Dream. Because of my student loans I 've had to put off my dreams of having a family and living in my own. 
I feel hopeless and uncertain that I 'll ever be done with these loans. The total is so large now and I have n't even made a dent in it in TEN YEARS. 
I would so appreciate any information that would help me get in board with this lawsuit against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I submitted a dispute to Transunion through XXXX XXXX for an itme on my report. Note that at the same time I also submitted the same dispute to XXXX and XXXX and by today, XX/XX/XXXX both of those agencies have long since investigated the item and removed it from my report. 
I received an email confirmation that the dispute was submitted to Transunion on XX/XX/XXXX and also a confirmation along with a file number appears in my XXXX XXXX account. 
When I had still not heard from Transunion I tried calling to follow up. Transunion denies that I filed the dispute despite my proof and the fact that the other agencies did receive it and remove it. Not only did they deny that I had disputed the item on XX/XX/XXXX they gave me the run around as to what I was doing and were rude and unhelpful. 
The law states that they have 30 days to address the dispute which they did not do and despite the fact that I have proof of submission they refuse to help me. XXXX did finally agree to resubmit after arguing in cicrcles with me on the phone for over an hour and talking but that is setting the clock further along and is not what they are legally obligated to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (I do not know) with STONELEIGH RECOVERY ASSOCIATES, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They continue to contact my family members trying to get information about me saying they need to collect a debt. They were very rude to my parents and my brother on the phone. IT seems like a scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2016 about Credit card () with JPMORGAN CHASE & CO. (NM).
Issue: Credit determination

Complaint: i made online payments through my bank. They returned the funds 3 months in a row. They called and said i was late. we did a 3 way call with my bank and confirmed the payments were sent out on time but returned to bank by them. I immediately gave them the debit card ( which was tied to the account online the funds was going out of ) and paid it in full. we confirmed with the representative account #, address, etc. They are still returning my payments and notifying credit bureau i am late. The representative told both my banker and i that they would have somebody call both of us back the next day to confirm that payments were sent and returned and correct info sent to credit bureau 's. That never happened and they are still notifying credit bureau that i am late. I filed a complaint with the XXXX but as of yet nothing resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I ask the credit reports to remove the nigtive items, they 'll response is no, after I paid them in full, I and the credit collection agreement is if I paid them in full they will removed them in XXXX  days. 
Out my credit files. 
XXXX XXXX credit card confirmation number XXXX was paid XX/XX/XXXX Amount {$450.00} I spoke to ms XXXX XXXX ext XXXX I filed in errors numerous times with all XXXX credit reports asking them why is steal showing this account in my credit reports there 's response is colctoin.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: For over a year Ocwen Servicing has stated my loan was delinquent, I have repeatedly informed Ocwen that I have a cancelled check for the full mortgage payment for every month on this loan. I have sent certified letters with copies of the cancelled checks and made multiple phone calls. Their response has been to send Pre-Foreclosure letters starting in XXXX 2016, which I responded to. I received the exact same Pre-Foreclosure letter in XXXX ( new date on letter was the only change ), which I responded to requesting a In Person meeting ( per page XXXX of their letter ), I then received the exact same letter in XXXX ( with a new date ), which I responded to again asking for a In Person meeting, additionally I had my attorney send them a letter also. And I have again received the exact same letter, which I have again responded to asking for a In Person meeting. I dispute that I am in any way shape or form delinquent in my payments, I can ( and have ) provided copies of cancelled checks. ALL correspondence has been sent via certified mail, and I have the signed return receipts, so I know they have received the information. Ocwen is beyond frustrating to deal with, I have spent hundreds of dollars trying to get them to respond to me in a way other than a computer generated form letter, all because some where along the line, THEY have made a error with my payments, and now I can not get them to correct the issue or even acknowledge my correspondence. I am afraid they will find a way to escalate the process and cause further monetary damage - I have resorted to sending my monthly mortgage payment via certified mail so I have evidence it was sent to them in a timely manner HELP!.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CO).
Issue: Making/receiving payments, sending money

Complaint: I made a payment to my account on XX/XX/XXXX. I have sent the bank all of the proof that it was delivered on XX/XX/XXXX. I also provided a copy of the cashed money order that was cashed on XX/XX/XXXX. It was cashed by the bank. It is XX/XX/XXXX and after talking to the bank Rep they claimed that they have n't received any of those items that I have the proof that it was delivered and cashed by the bank. Synchroney Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: file # XXXX chapter XXXX ... According to FCRA ... Transunion failed to provide proof and how they verified the above file # .. They claim it was verified.. According to the FCRA they just violated my right under the FCRA rule ... You ca n't just send a report to a dispute saying you verified information. They failed to validate and send proof of where they got the information from. I already checked with the court house they claim the credit bureau do not verify with them at all ... They need to provide this information otherwise this file # XXXX has to be deleted immediately from my credit report!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I called diversified consultants inc. ( DCI ) located in Florida regarding a debt collection from XXXX XXXX for {$470.00} and they informed me that I owed that money as my last bill statement. This account has been reported 4 times to 3 different collection agencies and it was successfully removed in the past. XXXX XXXX can not charge me for an item that they said I should not bother paying for since the receiver was free and at no charge to me. When I moved out or my old apartment in 2014 I left the equipment there and called them but the representative told me not to worry because I am not responsible to pay for the free equipment.
Now the new collection agency- DCI were there threatening to damage my credit with this report. DCI actually denied ever reporting it on my credit report, but that was completely false because it 's on my XXXX and XXXX report.
They just want to force me to pay {$470.00} and refused to remove the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Payoff process

Complaint: Approximately 3 years ago, I opened a Sears Citi MasterCard at the urging of a store clerk but the card was closed about a year later ( over 2 years ago ). After the cIosure, I spoke with a Sears customer service representative who encouraged me to sign up for auto-pay to pay off the balance. I was told that the payments would go to the balance until it was paid off. Knowing that I had a substantial balance on the card, I just kept making the payments for over two years. This XX/XX/XXXX I decided to call the company on XX/XX/2017 and inquire about my balance because I had no online access to look at the balance. To my shock, I was told that the balance had not changed one bit! I was told that all the payments which totaled thousands of dollars had gone to paying the interest and XXXX, which was NEVER disclosed to me. Apparently, every month, XXXX was getting part of the payment made. When I began disputing this, the Sears rep removed XXXX and transferred me to an XXXX rep. I was then told that they would need 30 days to investigate. Thirty days passed so I called back and was told that they would need another 30 days. I wrote a letter to XXXX on XX/XX/2017 because I was told that there was no other way to reach anyone in that department and that they make the decisions. I have yet to receive any response from either XXXX or Sears. Sears has taken no responsibility and XXXX obviously does not care. Sears continues to force me to make payments for a balance that should have been paid off or close to being paid off and tell me that if I do n't make the payments, my credit would show that I am behind. As the only one working in my family, I can not afford to spend another couple of thousand dollars paying on this card. Sears and XXXX are literally taking food out of the mouths of my family members and they do n't care!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Debt collection (Other debt) with Accelerated Financial Solutions, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a credit monitoring alert that a collection was place on my credit report. The collection agency name reads Accelerated Financial Solutions LLC. The original creditor reads XXXX XXXX which I assume is XXXX. The account was opened 6 months ago on XX/XX/207 and reads as an open account. The amount owed reads {$180.00}. There is no account number given just the information I provided above. This is a fraudulent account! I NEVER opened a account or requested services from this company. This is fraud! This fraudulent account has caused almost a 40 point drop to my credit score. Please assist me in getting this matter resolved as I am planning to go for a home loan within the year and will not be able to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: EXPERIAN continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they still fail to address the situation. I have contacted the IRS and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. The Tax Lien showing on My EXPERIAN CREDIT REPORT IS NOT MINE. 

This is causing substantial harm to my credit report and yet XXXX XXXX continues to violate the Fair Credit Reporting Act and will be held liable if this does n't get removed immediately. 

I have also contacted and filed a complaint with the FTC and also the ATTY General both here in Texas where I reside and where EXPERIAN maintains their main corporate offices in the United States XXXX 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 non-monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from XXXX, Experian, and XXXX Thanks

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 10-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MT).
Issue: Problems caused by my funds being low

Complaint: My checking account with Wells Fargo was fined for an overdrawn balance due to a cable company called " XXXX '' in XXXX NC. The fault was with XXXX, and so Wells Fargo charged me an overdrawn balance and never bothered to repay me, even after I received a minimal balance back from XXXX cable company. Also I have a new checking account that I share with my wife XXXX XXXX, and recently an amount of money was taken out that should have never been taken out to begin with, resulting in my gas for my car for work being empty, and my lights almost being shut off that I share with my wife, and other past due bills being effected due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have written and contacted Equifax so many times, and their most recent XXXX involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 sent a LEGAL Notarized affidavit to XXXX, Equifax , & XXXX disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For XXXX, Equifax , & XXXX to Provide physical verification of the original signed consumer contract.
I demanded from XXXX, Equifax , & XXXX to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt.
UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law.
Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I sent XXXX Deposit to Coinbase of XXXX euros on XX/XX/XXXX and they got my funds on XX/XX/XXXX. In  the platform, it is written that my funds will be on my EUR wallet before XX/XX/XXXX, but it is still pending. I have got multiple tickets and sent them emails, but I have got no response from them. 
Case # XXXX Case # XXXX Case # XXXX This is unacceptable that they freeze my funds for a month without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Company : XXXX XXXX XXXX A dispute of fraudulent charges in XXXX led to charges being removed from my account and a new card being issued. I was advised that a document ( affidavit ) would be sent to me but it was never received. In XXXX, a bill of over {$500.00} was presented to me when i called and asked why my card was n't working. I asked to see the bill. I checked online and there were no bills available. I contacted customer service and spoke to over 15 representatives including 5 managers. There was no bill mailed to me on over 2 months. They kept trying to force me to pay over {$200.00} to get my bill back in good standing but i needed to see the actual bill ... I finally received a bill in XXXX and after having countless conversations the charges were reversed, ALL late fees were returned and the correct balance was paid. I thought this meant that the late payment would also be removed but i check my credit this weekend and its still there.. I could not pay a bill if i could n't see a bill. If i had just paid the {$200.00} they would have been cheating me out of alot of money. When i finally received a bill there were $ 170+ worth of charges that should n't have been there.

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 02/23/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I demand to see Verifiable proof of the account they listed on my file

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (RI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from Commonwealth Financial Systems stating that I owed money to : XXXX XXXX XXXX Services in the amount of XXXX. The letter stated that they had purchased the account and if I considered the debt valid they requested payment. They further stated that if I failed to let them know in 30 days that I disputed the validity of the debt they would consider the debt valid. They also called to request payment and asked for last XXXX digits of my SSN. I told them I do not give out information on the phone. They have a spot on the letter for you to fill out your credit card information and offer XXXX automated payment. They push hard for payment and are hoping you just pay it right away without taking the time to research it. Obviously, XXXX XXXX XXXX is not a real company and the debt was not owed but they sure make you feel like it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EXPERIAN fails to remove inaccurate revolving account information. EXPERIAN reports incorrectly that credit usage is XXXX % .. EXPERIAN reports incorrectly that Total Credit is {$2300.00} and Credit Debt is {$27000.00} EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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