milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I 'd like to join  Navient Lawsuit .  XXXX   XXXX  and Navient are crooks ... I believe the amount of loan is incorrect. I have several correspondences that they ignored. They said I could n't get a deference, then said they gave it and threatened to garnish any wages. The school ignored my  XXXX   XXXX  etc. I was onky there a semester and a half. I also did n't understand the loan as much because they,  XXXX    XXXX    XXXX  gave me a  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: I Recently purchased a refurbished XXXX beats laptop from Sears.com using my Sears credit card. i received the laptop with a password on it. i called sears the next morning and told them that i had received it this way, and they told me that i had to call XXXX and register the laptop with them. I tried to explain to the rep that THE LAPTOP WAS LOCKED, and she then told me to give her a minute so that she could speak to a manager about it. she came back saying that she had to call the sellers of the laptop. i waited approximately 5 min before she came back to me saying that they were n't answering. I then told her that i all i wanted was a return label, and a refund she told me that she would speak to her manager again about the situation. She came back saying that she would send me a label. i waited 3 days to receive an email. i never did so i called back and they said they had to file a claim with the seller, and that they would do it for me. a few days later i received an email stating that they were n't going to take it back due to their no return policy. i immediately called sears and they transferred me over to the claims manager whom told me that she would again contact the sellers. I just want a return label for the laptop i no longer want it. its taken almost a month and still no solution

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : Chase account XXXX To Whom It May Concern : I continue to dispute the validity of this account. I request a copy of all information use to open the account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (I do not know) with SIMM Associates, Inc. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call on XXXX/XXXX/XXXX from a private number advising that I had missed a court date & needed to call XXXX. I called and was advised by XXXX at XXXX that they were going to have a cop come to my work, have me arrested, & have my wages garnished. I said that he had to have a court judgement to garnish my wages. He said that no he did n't. He would get my employer to sign a paper showing what I made then they would file at the court house to have my wages garnished without any kind of court case. He requested a " payment '' of {$1200.00} to settle an account that was paid off to the original creditor in XXXX. I asked for a mailed copy showing what I owed and was told they do n't do that. Yet at the beginning of the call he advised that a " certified '' letter was sent. I checked with the local post office and they have n't had anything that required a signature for my address in XXXX. I did not make payment as I request proof the debt is owed. After I hung up I called my attorney 's office and was advised that this company was a scam. My attorney also advised that in my state, my wages can not be garnished for anything but an IRS Lien or defaulted student loans. Also I checked in my state and did not show where there was ever a civil suit for me. I also checked with the county, and they did not have a missed court date for me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Originally, I received a parking ticket from the XXXX XXXX XXXX. I sent in my first request for an administrative review ( due XXXX/XXXX/2016 ) but it was sent back for not including payment and time was extended to XXXX/XXXX/2016. 

Now " Professional Account Management, L.L.C '' is sending me a bill for {$370.00} which is an increase from my previous ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After several failed attempts trying to save our home it was sold on XXXX/XXXX/16 beginning in XXXX 2016. We contacted Caliber Home Loans and explained our situation at which point we begin the process of " loss mitigation with Caliber Home Loans. We were also advised by Caliber Home Loans to contact " Keep your home California '' which we did as well. We were notified at the end of XXXX that " keep your home California '' approved us for financial help and that a packet was being sent to Caliber Home Loans. XXXX XXXX we were notified by " Keep your home California '' that Caliber Home loans ( who referred us ) rejected the assistance that was being offed from " Keep your home California '' on the basis " Your loan servicer ( Caliber Home Loans ) has not approved your loan for participation in the Keep your home California program. 
Caliber Home Loans has not once offered any alternative to foreclosure. We have reached out to Caliber several times and requested assistance however none was ever offered. As a former customer of Calibers I 'm embarrassed and horrified by Caliber 's treatment of a customer who has done everything to try and keep our home. I was laid off XXXX XXXX 2016 and have been looking for work and trying to save our ( My wife and XXXX children ) home. 
I will be sending this along with the offer to assist letter from " Keep your home California '' that was denied by Caliber home loans, to anyone that is willing to listen. Councilman, Congressmen, Representatives, Federal Trade Commission & media outlets. I want my situation to help others unlike Caliber Home Loans. I have also included the approval letter from Keep your home California dated XXXX XXXX 2016, were assistance was denied by Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as the Transunion. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XXXX 2016.

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 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a co-signer on my son 's student loan. When Navient took it over, they forced us into monthly payments that we absolutely can not afford. My husband had a serious accident 2 years ago and is not back to his regular job yet. We are overdrawn every month and are paying huge overdraft fees every month. They used intimidating tactics and we felt that we had no choice but to go along with their payment plan, even tho it 's putting us in a hole deeper and deeper every month!

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (DE).
Issue: Problems when you are unable to pay

Complaint: My car was repossessed on XXXX/XXXX/2016 by Chase Bank. I called on XXXX/XXXX/2016 to pay the delinquent amount immediately. I was told the full balance of the loan would need to be paid not just the delinquent payments. I did not receive a notice of acceleration prior to them taking my car. I have received a notice of sale that will take place XXXX/XXXX/2016. I am a XXXX XXXX XXXX currently unemployed and in search of job. After speaking with several representatives from Chase Bank ( I have the names and id numbers ) and begging to make the payments I was refused. I have never defaulted on a loan. I believe this to be discrimination because of my place of residence and the fact that there is equity in the car ( over {$5000.00} ) that I may also lose. Please help I just want to be treated fairly, and not have my car stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Starting in XXXX of XXXX, I texted my salesperson XXXX XXXX and I called XXXX XXXX XXXX, er Service to ask for copies of the receipts for my purchases and that I was disputing the balance owed to them. The receipts are the long strips of paper generated when I made the purchase, signed by me and describing the purchase. 

Every month I spoke with XXXX XXXX to remind them I had not received the requested receipts and that I was disputing the balance. When Capital One closed my account in XXXX XXXX, XXXX XXXX Customer Service failed to notify Capital One who owns their credit cards that there was a dispute over the balance owed. 

XXXX XXXX returned merchandise to me that I never received. They refused to file a claim for the lost merchandise with the shipper, XXXX XXXX. They refused to acknowledge that I was asking for a credit for the lost merchandise. 

This failure has caused my account to be closed and damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Managing the loan or lease

Complaint: My husband and I have been trying to get a payoff on a RV loan faxed to XXXX in XXXX, Ohio from First Merit Bank in XXXX, Ohio for the past 10 days. We are senior citizens and have decided we are getting too old to be hauling an RV everywhere. We have an interested young man who wants to buy it. His loan has been approved through the bank in XXXX. The bank requested the payoff in writing be faxed to them from First Merit. After numerous phone calls requesting the fax be sent, they are now telling us only XXXX handles that and she is out of the office. They wo n't give us XXXX supervisors name. In the meantime we have had to turn down XXXX prospective buyers because we think it is sold. Our buyer is getting impatient because he needs the RV for his business travels. Seriously 10 days to figure a payoff which the computer will do and fax a document? That 's really inefficient and unprofessional. We 've had payoff information faxed from other banks recently and they all did it while we were on the phone with them. First Merit is going to cause us to lose the sale on the RV. And we 've turned other prospective buyers down.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with U.S. BANCORP (NY).
Issue: Closing/Cancelling account

Complaint: Account was closed without notice and for no reason. I have not used the card for about 2 months and they suddenly just closed all my XXXX credit cards and the points associated with it. I have over XXXX XXXX points on my account. They can not advertise their rewards program and simply close your account once you 've accumulated a decent amount of points. Total bait and switch.Contacted XXXX and refuse to disclose any reason as to why.

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 09/19/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, XXXX I received an alert from XXXX indicating a new collection account was added to my credit report. After logging in, I learned XXXX XXXX had placed a collections account, in the amount of {$690.00} from XXXX, on my report. This same account was previously with XXXX XXXX and on XXXX XXXX, XXXX it was disputed. Between XXXX XXXX, XXXX, the account was found not to be valid and removed from my credit reports. Now within a week, XXXX XXXX has placed this account back on my credit report. In addition, I have not received any type of correspondence from XXXX XXXX in regards to this " alleged '' debt -- no letter, phone call, etc. According to the Fair Debt Collections Practices Act, I should have been made aware about this debt and their pre-meditated actions, and since I was not, this is a violation of the FDCPA. 

My research on this collection agency yielded a slew of reviews of their unethical collection practices. I would like this remedied immediately, and I would like for XXXX XXXX to remove this account from my credit report and have an updated copy sent to me. This is a violation and I was this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a previous modification with Wells Fargo and was making payments on that modification for several years and remained current. The XXXX, the XXXX loan, was problem. I attempted to reach out to them to negotiate a payment plan. I had difficulty working with XXXX, getting a hold of them specifically, and they were unwilling to consider any type of payment plan outside of the entire note. I was n't even asked for my income for consideration for a modification, although, I could have afforded the loan in reasonable monthly payments. 
I prepared to borrow money to pay the entire note XXXX, and I could only get {$50000.00}. The XXXX representative informed both me and the money lender I had retained that they, XXXX XXXX, had a buyer for the note. At this time, the loan had not gone to foreclosure auction yet. 
I had filed for bankruptcy, but XXXX sold my XXXX loan at auction XX/XX/XXXX. Since I was in bankruptcy, the bankruptcy judge informed my lawyer that my lawyer had to get my property back. A 3rd party who purchased this note is currently being indicted for auction rigging. 
Recently, XXXX XXXX, my father, who is also on the loan, received a call that our Wells Fargo loan was all paid up. We confirmed this with XXXX XXXX 's office that another bank loan paid off the XXXX, effectively removing me from having anything to do with the property. 
I have now lost my home and my equity since Wells Fargo, despite several attempts to contact them, will not explain to me what happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/XXXX I opened a bank account with BBVA to receive a bonus of {$200.00} if I sent a direct deposit from my employer to the account. I was told, from the offer, that within 60 days the bonus would be posted if a direct deposit of {$300.00} or more was sent to my account. I was approved and set up my direct deposit. On XX/XX/XXXX, the direct deposit of XXXX dollars posted from my employer. I waited 60 days. The bonus never posted. I called and contacted the bank several times on XX/XX/XXXX and then on XX/XX/XXXX. I was told that the complaint was being escalated to corporate and to wait 24 to 48 hours. I have yet to hear back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This is not duplicate complaint XXXX XXXX XXXX XXXX has multiple collection accounts on my credit report the following are two accounts that I have no knowledge of who the original creditor is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have disputed this inaccurate data fro over 2 months, They are not giving me a date of when I can expect to have it complete or resolved or to confirm. I have included my efforts, as you can see they have it listed under dispute with no due date, it has been in limbo almost 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Upon trying to rebuild credit, I received an updated credit report in XXXX XXXX 2017, that reflected an account charged off/closed from XXXX XXXX XXXX on my file. This was shocking news, and explained what was hurting my credit. I never applied for anything with this company. When sending requests directly to XXXX XXXX XXXX, for verification and validation of debt bearing my signature, per my right under the FDCPA Section 809 ( a ) and ( b ), this company refuses to provide and just send letters stating " refer to your credit card agreement ''. ( Which I have record of ). What was even more shocking is the fraudulent account they are reporting is in my maiden name. Which I have not applied for anything in several years under that name. They have never sent verification nor validation of any kind bearing my signature. I 've even tried to dispute this with credit bureaus to have this fraudulent account removed. I will be consulting with my attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof several times, which I have certified letter confirmation of, and they did not comply.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I HAVE SUBMITTED DISPUTES TO XXXX AND TRANSUNION ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS 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 04-06-2018 about Debt collection (Auto debt) with National Commercial Services, Inc (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/XXXX-XX/XX/2017 ( amount was {$9000.00} ) Received phone calls from National Commercial Services about having to pay a claim dealing with a car accident Stated if I didnt pay the amount, I will go to jail and they will suspend my liscense.

I told them I couldnt pay the amount and they didnt care about my situation and said I have to pay no matter what. Not sure if its a scam. The insurance company never said I had to pay a claim.

They never sent me a letter stating why I had to pay so much.

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