milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX has never been my account identity theft, fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Im not sure where to even start. I went to XXXX and was constantly pulled out for non payment of the XXXX loan. But the main reason Im messaging today is Navient. They would never lower my monthly payment no matter how many times I showed that I could n't make that payment. So instead they would always offer forbearance. I was young and XXXX and by myself so I took the only option I could. That has seriously effected the last 7 years of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Payoff process

Complaint: When I applied for XXXX Credit Card, in amount of {$300.00}. to re build my credit and with Care Credit for dental work ( only owed XXXX at this time ) I paid for the insurance in the event I lost my job it would be covered. Well I lost my job and both these company s said I canceled the insurance month prior to me losings my employment. I never canceled this insurance and if I wanted to I would have had to put it in write per, XXXX Credit Cards and Care Credit own policy 's. So I told them both to show me where I put in writing to cancel the insurance? Neither never could, did not respond to me and sent it on to collections. This was in XX/XX/2012 I lost my job however this is not first time I have tried to resolve this issue. I am not at home and do not have documents with me at this time but I will get them copy and send or emial asap. Also I see I can only add one Credit Card company at time at end so I will do two of these.

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 05/17/2017 about Debt collection (I do not know) with Merchants and Medical Credit Corporation, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Filing complaint against Merchants and Med Cr ( M & M Credit ) On  XXXX   XXXX ,  2017 I sent  a letter  to M & M Credit to request debt validation for item li sted on Credit Report as I have never done business with them nor have I ever heard of their company. In the letter, I requested several pieces of information to validate the debt ( see let ter )  The letter was sent via certified mail and arrived on  XXXX   XXXX ,    2017  at  XXXX  ( see documentation ).     I received a letter dated for  XXXX    XXXX ,2017  with a " bill '' that they claim that I owe. This " bill '' they sent looked like it was created online. I basically did not receive the information requested to validate debt.     On  XXXX   XXXX ,  2017 I  sent them another letter basically listing the above. I requested immediate removal if they were not able to provide requested documentation and asked them to respond within 15 days as the 30 day window originally provided has passed. ( Please see letter ). This letter was also sent via certified mail and arrived on  XXXX   XXXX ,  2017 a t  XXXX  ( see documentation ).     I still have not received a response back from  M & M  Credit. I pulled my credit report yesterday  X/XX/17    and they are still listing this debt that I have no idea of. Not only do I not recognize this company, but their reporting to the credit bureaus is completely inaccurate. Please see attached sheets from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 written to Experian, XXXX and XXXX regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. Experian, XXXX and XXXX have FAILED to properly investigate the validity of this claimed debt that is damaging 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 07-08-2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continue to call and hang up on my cell phone XXXX the number I listed above ). I do not owe anyone any money and have an excellent credit rating in the high 700 's. It is harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Prior to XXXX XXXX, 2017 I reached a settlement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an account held by XXXX XXXX. I received a letter of satisfaction for the settlement and have asked that my credit report be updated to reflect this is no longer derogatory. Twice I have requested this and both times I received a report in the mail stating the information is accurate and will remain on my credit report. I have contacted both companies, XXXX assures me this account is settled and closed and that they did in fact notify XXXX XXXX twice. Any time that I have called XXXX XXXX they refer me to XXXX. I am getting nothing more than the run around and it is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MO).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: In  XXXX  2010 I  was enrolled in   XXXX    College  for a   XXXX   XXXX   XXXX  . I was pulled out of class and asked when will I have a job to repay. The cost was  XXXX . Undoubtable I was promised a great paying career only to make  XXXX  out of school .I know now that this was a for profit school. I never needed schooling to get a license to become a   XXXX   XXXX  . It costs about {$78.00} to apply for the license in Missouri. I have been haunted by this mistake for seven years. The program in place to help   XXXX   students does n't help me being as it only covers  XXXX   2010  students. I deserve the same forgiveness as those other victims.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I opened an account with XXXX in XX/XX/XXXX .... made a final payment in XX/XX/XXXX .... the home was foreclosed on in XX/XX/XXXX. Why am I still receiving negative marks on my credit report in XX/XX/XXXX? 

I spoke with XXXX and they said they no longer had the loan and that XXXX took this loan over in XX/XX/XXXX. XXXX said they were no longer in charge of the loan and that it transferred over XX/XX/XXXX. 

I would like this removed as it is well beyond the time limit. THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing

Complaint: I was at the dentist office having work done and they noticed that I needed XXXX and other things. So, they provided me with a quote and offered care credit. Mind you, I was on XXXX provided by the dentist at the time. So, we just filled out the application. The only way the credit was described to me was that there would be no interest for an allotted time and after that, there would be applied interest. There was no explanation of a " deferred '' interest. I pay my account through the phone app and have been paying it ever since. I happened to log on a few nights ago and thats when I found out the deferred interest that was applied about two months ago. So, in efforts to help myself and help get this paid, I called care credit and spoke to a representative and an account manager who informed me that there was nothing they could do. I told them that I could not afford the interest that amounted to almost the same amount or more than the actual credit owed. They told me that there was nothing they could do and it was not their fault that it was not explained to me correctly. My complaint other than them not being helpful is that when they are going to have a third party company " sell '' their credit, they need to explain it just as a creditor would or the " product '' is not being sold how it should be.

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 09-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do NOT have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for this collection from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I started to receive a lot of fees and charges that did not belong to me and when I called to complain I was told it was simply the policy and that there was nothing I could do about it. So now my account is extremely overdrawn due to fees and automatic payments that were unable to be paused or paid from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I attempted to get my 'free credit report ' in XXXX 2016. The attempt was successful the free part was not. I was just billed {$19.00} from Experian for credit monitoring services. I called and cancelled any service with Experian. I am amazed that the swindle by Experian was successful. I have about XXXX years of XXXX experience and was very careful not to sign up for any services, free or otherwise. Please review the process used by people to get the free credit report to analyze how 'they ' are able to fraudulent charge people for unwanted services. 

XXXX XXXX XXXX XXXX XXXX XXXX FL 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 monetary relief
Consumer complaint received 06-09-2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On   XXXX    , I received an alert from  XXXX  credit monitoring about an new collection account added to my credit file.   On   XXXX    , I contacted the listed collection agency on my credit file for the complete account number of the said account. On that same date, I wrote the collection agency a letter requesting validation of the debt. Attached to this complaint is a copy of that letter.   I have also received confirmation from the  USPS tha t the certified mail was successfully delivered to Midwest Recovery Systems.   On  X/X/17    I called Midwest Recovery Systems again and they either hanged up the phone on me or transferred my call from  one agent to the next.    On  X/X/17   , I sent a fax to both  XXXX  and  XXXX  of the letter of validation that was mailed to  MRS .    After receipt of my request to validate the deb t, Midwest Recover  y System continu es to report this debt to both  XXXX  and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (DC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Company called an elderly relative and told her about the debt. Woke her up from her sick bed at XXXX am. Threatened to take action. The relative is also on a no contact list. Calling my relatives is totally illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Mortgage (FHA mortgage) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I had sold my home and paid off the remaining balance on my mortgage. I am due {$640.00} for my escrow refund, it has been over two months and I have not received anything. I have contacted BBVA Compass to inform them and they claimed the check was sent, but again, it was never received. I requested for them to cancel the check and send a new one. They asked for me to fill out a cancelation form and return it before they would send another check. I did as they asked and it has been over two weeks, but I still have not received anything. When I call and ask for an updated on the status of my return, they simply transfer me back and fourth to different departments and never give me any actual answers. I requested to speak with a manager but they told me that there was not any available. I do not know how to proceed from here.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: I have been attempting to work with Wells Fargo since XX/XX/2016 to avoid foreclousre. I cintact them immediately when I knew there would be an issue covering the mortgage and beagn working a realtor, as advised by Wells Fargo, to attempt to sell the home. 
As I've moved through the loss mitigation process from traditional sale, to rejected offers, to short sale, to deed in lieu, I have been repeatedly misinformed by Wells Fargo, reassigned to no less than specialist 7 specialist, and contiuously asked to resubmit documents that have already been submitted as requested within the stated deadlines. Due to their admitted errors I was previously been denied a short sale review, and most recently a deed-in-lieu review, despite their records clearly indicating that all of the requested documentation was received prior to teh deadline.

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 03-07-2017 about Student loan (Non-federal student loan) with NELNET, INC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I filed numerous complaints against NELNET to no avail. I have submitted multiple correspondences to their corporation asking them to please submit validation and verification of the debt they stated that I owe ; and as of to date, they have failed to state a claim in which relief can be granted and they are still reporting numerous accounts on my credit profile. I have ask them to cease and desist all communication with me until they have provided me the original document with my wet-ink signature and they have yet to provide any documentation to me. If they claimed that they loan me any " money '' than it should't be this hard to provide me with the documentation but the truth is they never loan me any money it was my signature on the promissory note that created the funds and why are thy reporting numerous accounts on my create profile when there was only XXXX promissory note. I am tired of the fraud that have been committed against me and I am coming to you for help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: This is my second complaint submitted to Chase. I recently submitted a complaint and forward to Chase over a month the paperwork for which I have not received not even one letter about my case. I am enclosing the package that was sent to Chase with the evidence from the Postal Service. What is the next step?

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I had requested a copy of my personal information from " Equifax XXXX XXXX ''. I received a letter stating that I needed to provide " Proof of Identity '' and " Proof of Address ''.

I do not have any of the items listed under " Proof of Address '' but did submit a copy of my social security card and my valid drivers license, with my current address. 

I tried to call Equifax today but have spent over obe hour to no avail. One of the people I was transferred to admitted he was not located in the United States. 

HOW IS IT POSSIBLE THAT I CAN NOT GET A COPY OF MY OWN PRIVATE DATA BUT FOREIGN NATIONALS RESIDING OUTSIDE OF THE UNITED STATES CAN ACCESS MY INFORMATION. 

THIS BY A COMPANY THAT ALLOWED THE BIGGEST DATA BREACH IN HISTORY. 

I WANT MY INFORMATION AND I WANT TO KNOW EHO IT HAS BEEN PROVIDED TO.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (I do not know) with Vital Solutions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I strongly suspect that Vital Recovery Services sold my " debt '' after I informed them that no one at my phone number had any overdue debts and that their calls had to stop. Subsequently, XXXX XXXX started years of harassing phone calls to my number.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: To Whom It May Concern : I am writing this letter to complain how Wells Fargo Loss Mitigation Department displayed unfair and deceptive practices by auctioning off our home that we have been at for 14 years on XXXX XXXX, XXXX. Without any notices, we then became a statistic as one of the millions of struggling homeowners in America who this has happened to also. Unfortunately, due to the economic downfall and lack of employment in XXXX, we found ourselves unable to pay our mortgage that just got too unaffordable to manage. 
Sadly, in the end, Wells Fargo loss mitigation representative that was assigned to our loan case would ignore all phone calls/emails and our request to be analyzed for a second loan modification loan that I know we were entitled to receive as struggling homeowners. 

We did not get a chance to fight back. We tried to get help in XXXX and no attorney would look at our case without upfront money first from us and we just did not have that extra cash. We are still in our home currently today but not as owners but as renters. The realtors who purchased our home at auction was nice enough to let us remain in our home. We today have had no choice to pay increased monthly rent just to stay within the same school district for my XXXX boys. 

I have all documents starting from our first loan modification loan with Wells Fargo and can show any attorney or whoever will help us to get back what is rightfully ours. 

Please do not hesitate to ask us any questions and we pray that you will consider us for this house that we love. 

Respectfully, 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 explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was reported 30 days late but I made my payment on time.   XXXX   XXXX   #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have a debt on my credit for {$1400.00} which was due to XXXX XXXX but I guess they sent it to XXXX XXXX XXXX XXXX credit says it was opened XXXX/XXXX/XXXX. This is not my bill. I have the same company for at least 10 years and never had XXXX. I called XXXX they tried to find account with my name and then then I told them my last 4. Needless to say there was no match. So that means the person used my social security number with fake name. This is on the XXXX and not XXXX ; well at least not yet. I really need this off of my credit. So this XXXX breach has impacted my credit, and I am trying to get a house. Now I have to put it on hold. I am a working class wife and mother of XXXX. Everyone check your credit on a regular.

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 10/14/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Taking out the loan or lease

Complaint: This is the second time we have had to file a complaint against Ally Financial. Once again our vehicle loan was paid in full. And again Ally will not release the title, saying additional monies are owed. Our previous complaint filed with you resolved the issue, hoping to meet with the same result this time. We need our title

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation