milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This debt is repeatedly forwarded to me for payment. It is NOT mine. It clearly belongs to another consumer who has obviously made payments on the original amount of {$440.00}, down to {$250.00}. I have repeatedly asked that they inquire about who has made the previous payment on the debt. This will validate the that the owner is not me. I have had no interaction with this facility since 1991.

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 11/22/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: I have discovered someone stole my identity and opened several accounts with Wells Fargo without my knowledge. The fraudulent accounts were foreclosed on and others sold or transferred to XXXX parties XXXX, XXXX XXXX XXXX XXXX and others from the XXXX XXXX XXXX and XXXX XXXX XXXX. 
Wells Fargo was informed however never corrected inaccurate information listed on my credit report. The inaccurate information continues currently to cause financial harm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 have called all  XXXX  credit bureaus  (   XXXX ,  XXXX , Equifax ) a total of  10  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX / XXXX /  XXXX  ,   XX/XX/XXXX    ,  XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the  Bureaus  to verify such a record exist. I noticed as of today  XX/XX/XXXX  yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Billing statement

Complaint: My discover card statement was automatically deducted from XXXX checking, in the amount of {$380.00}. I downloaded the statement and when i calculated the numbers i came to a different amount of {$350.00}. 
these are the amounts from statement. 
XXXX {$37.00} XXXX XXXX {$10.00} XXXX gas XXXX XXXX XXXX this is a credit to acct. I returned merchandise. 
XXXX {$8.00} XXXX gas XXXX {$290.00} XXXX tires XXXX {$380.00} direct pay full balance. 
If you want I can e-mail the.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Payday loan () with CASHCALL, INC. (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed a loan with XXXX XXXX. The paperwork came in the name of Cashcall. The was on a payment plan that never ended. The company charged so much interest. I called several times to make a lump sum payment, but was never able to get a call back. The next thing I knew a man from another company started calling me harassing me. This is after 2 years has past. I borrowed {$2500.00} and now they want me to pay back {$5700.00}. They are claiming they are gon na sue, and file charges. The person got upset when I stated I would have my attorney call him back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Under personal information- one of the names and address is incorrect

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 09-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Real Time Resolutions, Inc. (WA).
Issue: Incorrect information on your report

Complaint: I had a property that was foreclosed on in 2008. Real Time Resolutions bought this debt after it transferred between 2-3 different servicing companies and have re-aged the debt well beyond the statute of limitations, and have no documentation according to the law to be able to collect on this debt, report it, etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For over a year, I 've been getting a call every 2 months from Navient saying that my loans are past due. the first time I called with concern because my loans have always been auto payed to them. how can I be past due when they keep taking my money every month?! after being transfered to mulitple departments they finally " find the issue '' we set up a new payment schedule and I think we are all set, but they call the next month or so with the same song and dance. I 've tried to resolve this issue many times. I 've been patient with them but my patients are running thin. they are now calling my retired parents saying that I am not paying my loans and that they are going to send me to collections. I 'm getting multiple calls a day, sometimes every hour. they are harassing me. my loans are getting hit with additional fees and interest and when I call them to explain my issue they treat me like I 'm wrong and trying to avoid paying them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2018 about Debt collection (Other debt) with Southwest Recovery Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: SOUTHWEST RECOVERY SERV is the collection company that has reported a bad debt on my credit report.i have contacted them and requested a copy of the contract that was signed to prove i have signed for this. I feel like i have been a victim. they will not provide a copy of the agreement and told me to file a dispute with the bureaus. i filed a dispute and XXXX has requested for me to provide proof it doesnt belong to me or resolve the problem with Southwest Recovery. I tried to file a police report as well and the police department told me to file a dispute with the credit bureau. now you can see i'm getting the run around. What is my recourse?

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. XXXX XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; Experian, XXXX and XXXX but I never heard any of you. I want my credit report updated and this account removed.

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 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Social security admidastration/ I have called there XXXX number 3 times, emailed them once, called my local office, Social security has reported to XXXX and Experian a collection of {$4700.00} They tok my tax refund of {$1500.00} which after calling them they reported it to the credit berues, but they are garnishing my wages and are not reporting this to the credit berues at this point I only owe them {$1200.00}, as I said they are not reporting this and are damagimg my credit,

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 04/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am currently on  the REPAYE plan payin g $  XXXX  and my recertification application is due  XXXX / XXXX /  XXXX  . FedLoan Servicing is my loan servicer since I currently participate in the PSLF process.  FedLoan sent me message in FedLoans  paperless inbox on  XXXX / XXXX /  XXXX   requesting I send in my application to recertify my income fo r REPAYE. I  complied and submitted my recertification application to studentloans.gov on  XXXX / XXXX /  XXXX  .  FedLoan  acknowledged receiving my REPAYE recertification request on  XXXX / XXXX /  XXXX   stating they would inform me of any problems . FedLoan did  not tell me there were any problems with my recertification. On  XXXX / XXXX /  XXXX   I logged into my  FedLoan accoun t and viewed my new billing statement which claimed I now owed {$3600.00}. I received no paperwork regarding a new REPAYE payment amount nor any information regarding the status of my recertification application. I calle d FedLoan o n  XXXX / XXXX /  XXXX   and was told that my REPAYE recertification application was sent " too early '' and that it was closed out without any notification to me. The phone rep stated she would forward the matter to her supervisor and they would work with a loan servicer to remedy the issue. However, the phone rep indicated this is a lengthy process and I  may lose a month of payments toward PSLF. I f this issue is not rectified then I will owe an impossible payment of over $  XXXX . I had no way of knowing that my recertification application was sent too early as I was only following the directions of FedLoan Servicing to recertify my IDR plan in  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Payday loan () with Onward Credit Holdings, LLC (MD).
Issue: Can't contact lender

Complaint: Lender has continued to contact my place of business after they were told to stop immediately. They have constantly harassed me and may cause me to loose my job by continually doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: Carrington Mortgage Company I want to know if the following actions taken by this mortgage company are legal : 1. As of XXXX 2017, the company charges {$5.00} to process my payment online. The payment is not late. 2. When XXXX XXXX XXXX sold my loan to Carrington, the company raised the amount that I need in escrow two years in a row. The excess funds are returned to me at the end of the year, which indicates that I am being charged too much. 3. I was told that the only way I can get a new mortgage company is to refinance. I am within the last 10 years of my loan, so I do not want to refinance to a 15-year note. This is a terrible company that is not responsive to its customers. Just look at all of the complaints online. Can anything be done?

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Progressive Management has reported a debt that does n't belong to me with all three bureaus. I requested that they validate this debt and delete it my certified mail once in XX/XX/XXXX and again in XX/XX/XXXX. They 've yet to validate or delete it and it 's impacted my credit score negatively

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MO).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: The bank reorders transactions in order to increase overdraft fees. High charges on account were not shown to be pending, and later these charges were suddenly posted when the account 's fund was at its lowest, triggering back to back {$35.00} overdraft fees on charges as low as 4 dollars.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: SSN incorrect Date of Birth incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Consumer Loan (Installment loan) with Progressive Financial Services, Inc. (CA).
Issue: Managing the loan or lease

Complaint: This is not my account. I never lived in XXXX XXXX or opened any accounts there. This is a fraud. I tried calling them and lines are disconnected.

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 05-01-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax about removing incorrect addresses that do not belong to me. I have asked for the following address to be removed, where I have never resided:XXXX XXXX , MA XXXX. I have never lived in XXXX, MA. I have lived at my present address, XXXX XXXX XXXX, XXXX, MA XXXX, for the past XXXX years and XXXX, MA, before that.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After being approved for a loan mod in 2016 and making several trial payments ( which are currently being held by the mortgage co. ), my docs were not signed due to my being unable to verify outstanding loan amounts and charges with back-up documentation provided by the service provider. After finally receiving requested pay-off information and corrections to my credit reporting by the agency, I again completed a new loan modification per instruction by Shellpoint Mtg Servicing. My application was denied ( after previously being approved ) with no formal reason provided or opportunity to address any disqualifying factors. The sale date is fast approaching and as of today, I do not have a written explanation to provide to legal council or tax advisor, which is an unfair practice leaving me at a terrible disadvantage in efforts to resolve the matter and keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am XXXX, with a retroactive date to XX/XX/XXXX. I found out I had student loans with Navient, they refused to help me file an identity theft issue. I spoke with them multiple times, between XXXX and XXXX, and told them I was XXXX and could n't work, and was waiting for a decision from Social Security. I told them I had Medicaid and got XXXX. They told me to put my loans in deferment and forbearance status, and that no interest would accrue. They told me that once I was approved for XXXX, they would discharge the loans. I was approved for XXXX in XX/XX/XXXX. When I sent them the award letter, they said that they could n't discharge it because my review would be in XXXX, even though they said I was XXXX since XXXX and that entails a review 5 years from the date of award, they said I did n't qualify for XXXX discharge because I had a review scheduled in 2 years, not 5 or 7. They then told me to defer and forbear my loans again, and that no interest would accrue. I told them I made XXXX per month. Last month, Navient sent a letter saying a payment was due for {$9.00}. I paid it. Then they told me next months payment would be {$150.00}. I spoke to the Department of Education, because I had loans due to them to, and they told me I needed to apply for income based repayment. I applied through student loans.gov to do income based repayment for navient and department of education. They approved me with a monthly payment of {$0.00} over the next 25 years. I logged in to Navient and it was approved for {$0.00} over 25 years, with annual renewal forms. However, I noticed interest has accrued on my loans since XXXX. Navient never told me I could apply for income based repayment, and the department of education did not tell me that either until I started crying on the phone because I could n't afford payments and the interest kept accruing. Basically I qualified for income based repayment since XX/XX/XXXX when I applied for social security benefits. And nobody told me. I could have entered an IBR then and had three years worth of {$0.00} payments completed and be 3 years closer to having my loans forgiven/paid off! And I also would n't have to pay back as much money, because instead of interest building up for three years, I would have made the $ XXXX monthly payments. My credit score was destroyed because of this, and I had to go to bankruptcy because my credit score was so bad. I cant get a mortgage or anything because my credit score was severly damaged by navient and the department of education. they should have told me about income based repayment years ago when I became XXXX and told them I was awaiting a social security XXXX decision and had NO INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I CAN NOT RETRIEVE MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 have tried to contact TransUnion and XXXX by phone, mail and CFPB and the issues STILL hasn't been resolved. I am an authorized user on my mothers XXXX XXXX XXXX credit card. I've been an authorized user since she opened the card in XX/XX/2010. At one point it was reporting with all three company 's. For some reason Transunion deleted it and so did XXXX. XXXX is the only agency that is still reporting the card on my credit report. I've been told to contact XXXX XXXX multiple times which I did. XXXX  XXXX said nothing has changed on their end the credit agencies have to update their system and put it back. XXXX XXXX also sent a letter to Transunion two weeks ago and yet no change. This had a huge impact on my credit score because of their error and I am very unhappy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Late fee

Complaint: I have a credit card with Synchrony Bank. Synchrony Bank has unjustly ruined my credit. Since, summer of 2016, I have had issues with receiving my credit card statements in the mail. I contacted Synchrony Bank to let them know that I was not receiving my paper statements. In XX/XX/2016, Synchrony representative suggested that I make on-line payments. I went ahead and followed their advice. Since, XX/XX/2016, there has been an issue with Synchrony Bank processing and posting my on-line payments through their website. I have been erroneously and unfairly charged outrageous fees because of such. Synchrony Bank has also sent my account without contacting me first to a collection agency. I have paid the collection agency the amount due with no issues. I would like for someone to look into Synchrony Bank 's practices. It seems through my research, I am not the only person having these issues with Synchrony Bank. I would like Synchrony Bank to remove all of their unjust fees that they have erroneously charged me as well as fix my credit report. Synchrony Bank obviously has an issue with their on-line payment system, as well as, incorrect mailing of paper statements to consumers. I should not have to XXXX down a credit card company to pay my bill, not to mention it is very difficult to get a representative to help you or even understand the issue at hand. It 's absolutely ridiculous, you are unable to pay this company.

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 12/21/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I SENT PAPERWORK TO CITIZENS. DUE TO IDENITIY WAS STOLEN AND THEY STILL CLOSED MY BUSINESS ACCOUNT.

Company response to consumer: Closed with explanation