milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2016 about Debt collection (I do not know) with Green Trust Cash, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a letter from XXXX, dated XXXX XXXX, 2016, attempting to collect a debt from a short term loan company named Green Trust Cash. Green Trust Cash appears to be either owned or associated with an online lender by the name of the XXXX XXXX XXXX ( XXXX ). Both entities appear to be managed by XXXX : Green Trust Cash references XXXX XXXX Tribal Complaint Hotline ; XXXX XXXX lending references the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX, the loan in question was made to a person unknown to me, named XXXX XXXX, who used my credit details to obtain the loan. I am not sure if XXXX XXXX are under the authority of the FTC since they are legally considered sovereign nations. But if they are I would like to report an improper loan process. Had either of the original loan makers or the debt collector bothered to inquire with any of the credit reporting agencies, they would have discovered I have a credit freeze on all of my accounts, which requires that lenders check with the major credit reporting agencies as well as to directly speak to me before approving a loan. I received no such call from the lender and the credit reporting agencies say that no such inquiry was made.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 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: /his letter is to inform you that Experian credit bureau has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer I have rights under the FCRA and FederalLaw mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my Experian credit bureau report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a  record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. *XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XXXX  XX/XX/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 12-11-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I opened a new account but had an account with husband teller knew and i gave her XXXX coupon for opening bank she said I can use now everyone is having a problem giving it to me now.It was promised to me and I never received

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Consumer Loan (Installment loan) with Appalachian Lending Corporation (TN).
Issue: Problems when you are unable to pay

Complaint: Appalachian. Lending has harassed us by calling a place we XXXX. And falsifying. That we gave them as references when in fact we did n't. Give anyone that we worked with out there as references. They kept calling. Then sent friends on XXXX and us messages on face book. They had a deputy come out with a paper no court date on it saying they would garnish a hobby my husband does it 's not a business does n't. Clear XXXX a year and it 's doing more raising money for other people. They 've stalked ys on social media to find out he does his XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We have received repeated phone calls from phone  XXXX   XXXX . The caller indicates he works for a dept collector and he is trying to collect a {$1000.00}  ( if I remember correctly ) dept against ou r  XXXX   Card.  Once he mentioned our  XXXX  card I hung up immediately. Our  XXXX  card is our emergency card and we have not used it in a long time. Immediately following my hand-up I called  XXXX  to ensure the card had not been illegally used. The card has a  XXXX  balance with no indication of activity. The same individual has called back twice I told him the second time I called  XXXX  and they verified I do n't owe then anything, I then hung up. tonight he called again and I just hung up and then put their phone number on my blocked number list. The conversations never lasted long enough to determine who the person claims to work for.     It 's clear they are trying to scam us. Thank you for your attention to this activity.  XXXX   XXXX ,  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX mortgages being reported as unpaid from XXXX it 's been paid in full enclosed is a email from XXXX attorneys

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Debt collection (Non-federal student loan) with NAVY FEDERAL CREDIT UNION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen in XXXX of this year. I then went about the proper procedures when alerting banks and the credit bureaus. I notified my bank Navy Federal Credit Union, who is holding me accountable for the identity theft even though after the investigation through XXXX. I am proven innocent and that I had no affiliation with the con man.

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 07-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Originally my student loan was handled by XXXX XXXX. It has been handled by Navient most recently. I have been paying on my loan for 14 years and I have noticed that the amount I still owed on my loan has been going up. I went from owing {$88000.00} to now owing over {$90000.00}. I have also just realized that my payment is paying the interest on the loan and almost nothing is being paid to the principal of the loan at all. I feel like after 14 years I should have paid some of the balance. My payment has been between $ 500-700 a month for the past 14 years. It is very distressing to learn I now owe more than I originally borrowed. I have tried to talk to them and keep getting a story of why this is and at this point I feel like I will never pay off my loan. I am in my XXXX 's now and I did not anticipate I would still be paying so much. I have no idea where to turn to for help and if it is even legal for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXXthe 2017.my credit was inquired by walmart/XXXX XXXX without my authorization.

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 12-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has sent this account to several different debt collectors. I did have XXXX at one point but the service was so bad and the technicians had to come out 6 times. The service was never corrected. Enhanced never sent me a validation request letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a modification, the bank modification department gave me a payment plan to follow, I would know the outcome at the end of the plan. I followed the plan as requested, but the bank failed to notify me of the outcome, I kept calling and asking what to do, the loan officer never answer my calls, the customer service department kept telling me to keep sending the amount as per payment plan. After a couple of months, I made the decision to start paying more to catch up with the normal payment. The collection dpt. started calling me saying I was late on the payments, I kept explaining to them about the situation, and they kept giving me the run around within the different departments ; Although they knew I never got an approval or denial letter, they still reported my account as past due with the credit agencies. I 've asked them to view my payment history showing never late, just following the payment plan, but the bank refuses to remove the bad reporting from the credit reporting agencies. 
The purpose of this complaint is to ask Citi mortgage to immediately remove the bad credit report from all the reporting agencies. 
This is not accurate reporting and has been hurting my ability to refinance and improve my quality of life.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (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: Discover Student Loan ( s ) has incorrectly reported my account twice on my credit reports. The information reported is identical. This is direct violation of the Fair Credit Reporting Act. The amount that was charged off was {$7700.00}. Again, this debt has been reported twice, from the same creditor ( most recently as of XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MA).
Issue: Other transaction issues

Complaint: On XXXX/XXXX/16, I ( XXXX ) used western union to transfer money to XXXX, I paid XXXX dollars in total, they gave me an MTCN/tracking number XXXX. My brother never received the money which was supposed to be delivered right away. Called Western union the evening of the same day and they told me to wait the transaction was pending. The following day the money was still not available. I borrowed money from a friend out of state since my nephew was sick & needed the money for medication right away. I called western union on XXXX/XXXX/16 and asked them to refund the money, they told me i will get it in 24-48 hrs. Called again XXXX/XXXX/16 and was told i will only get the the principle amount which is XXXX dollars and loose the XXXX dollars since i was asking for a refund. I told them it was n't my fault but they refused to acknowledge their mistake. I finally asked them to give me the money XXXX dollars since i had borrowed the money from a friend in XXXX to take care of my sick nephew. Western union told me i will get the money in 5-7 days. Today is the XXXX/XXXX/16 it is more than a week and have not received the money yet, it was supposed to be deposited to my account. Please help me, otherwise i will not get my money back, i have already lost XXXX dollars which they refused to refund when it was their mistake not to deliver the money to my family in need. 
Thanks for attending to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NJ).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: i have probmle of money they took on my 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 explanation
Consumer complaint received 06/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I made a HORRIBLE mistake and decided take out a loan for {$1500.00} in XX/XX/XXXX. Every month, I 'd make the payments on time, paying {$110.00} every month. My 2nd to last payment with Regional Finance - ( XXXX, Texas location ), I purchased and sent in a money  order for {$110.00}, as I ran out of personal checks. On XX/XX/XXXX, I received countless collection calls, even though I told them I had mailed the money order on XX/XX/XXXX. Every day until today ( XX/XX/XXXX ) I received about 5 phone calls a day regarding this payment. I had provided them with the receipt number of the money order, proving I had purchased a money order. I was told that if they had n't received a payment by that Friday, I would be charged a {$10.00} late fee. I have NEVER made a late payment. I had been paying the {$110.00} religiously since XX/XX/XXXX. I asked if this fee could be waived, as the money order was lost in the mail or was just sitting on someone 's desk, never being processed. So, on XX/XX/XXXX, I ended up driving about 25 miles to make another payment,  this time by check. I presumed they received my check, as I physically dropped in off at their office, which was closed that day. Today, XX/XX/XXXX, I called to see if they had received my check and posted it to my account. One of the employees, XXXX confirmed that not only did they receive my check, they also received the money order I sent in on the XX/XX/XXXX. I asked if the late payment fee could be refunded, and XXXX advised his manager, XXXX said they would not be able to waive the late payment fee. I tried explaining that since the money order had a date of XX/XX/XXXX, that this fee should be waived. XXXX hung up on me, which made me FURIOUS!!!!! I 've been waiting to hear back from XXXX, but she has n't called me back, as she said she would. I will NEVER, EVER in life borrow money from such a greedy loan company like them EVER AGAIN!!!! It 's a real shame that companies like this treat their good paying clients in such manner, and I am APPALLED! {$10.00} just caused them to lose a good customer for good, and I will NEVER, EVER refer them to anyone I know, not even to a person I dislike. This company flat-out XXXX! <P/>Sincerely, ANNOYED!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I hired a company last XX/XX/2016 to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to  refinance the mortgage. The company that I hired last XX/XX/2016 also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. <P/>In XX/XX/XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX  bankruptacy protection not because of the mortgage because I needed to get reorganized. <P/>After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. <P/>Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification XX/XX/XXXX. I was approved XX/XX/XXXX (? ) and was sent a modification XX/XX/XXXX after successfully making my trial payments. However, the modification had the wrong address, it listed the wrong state. I called to notify them and was told not to return it as it could n't be accepted and to continue to make my trial payments each month which I have done. I have called to ask why I still do not have a new modification agreement and told to continue to make the trial payment amount and wait. I have had someone come to my home and leave a note on my door to call Flagstar as well as take pics of my home for the last 4 months. I am talking at minimum once a month to Flagstar and complying with what they are requesting. How is the harassment fair? Last week I received a notice that I was turned down for failure to return my modification and they were resuming foreclosure. I contacted Flagstar in which they stated the same thing. After a tearful XXXX minute conversation, they stated I was correct they sent the wrong modification agreement and advised me not to return it. I should not be concerned and a new agreement would be sent in the next 5-7 days. Last Saturday I received a notice from an attorney about an eviction. Now again today someone has showed up at my door with an urgent notice and taking pictures of my home. 

Why has it taken 11 months to complete this, why is n't someone staying on top of my file, and why am I being harassed unnecessarily?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: I contacted Bank of America to inquire about a Home Equity Loan XX/XX/XXXX.During the intake of my information, the representative said that it would help my loan process if I had a checking or savings account with BofA.On that call, he pressured me to make an appointment to open accounts at the local branch. I went and opened checking and savings accounts.I asked the initial representative, the branch representative, the mortgage specialist and his manager if my credit would be an issue for approval, as I incurred late payments when my previous bank/mortgage accounts were sold by XXXX.They all said, it would not be an issue. I indicated that I needed to be sure because I was applying for a home equity loan ( on a house I own a 100 % of-no mortgage ) to pay an unexpected income tax bill.They all assured me to continue with the process.Today I received a denial for the loan.When I asked to speak with someone, XXXX XXXX ( who previously assured me it would be fine ) told me that Bank of America would NEVER approve a loan when an applicant had a late payment to a former mortgage holder. They saw my credit report when I started the process and lied to me the entire time.They pressured me into opening bank accounts and applying for credit cards.I feel that they have deceitful and dishonest business practices.I complained about the specialist assigned to me to XXXX XXXX, that he was unresponsive and told me that if I wanted a quick turn around I should have applied to a smaller bank because they have less customers.After my complaint, he treated me worse, sat on paperwork and was not responsive.Now 6 weeks have passed and I am no closer to having a way to pay my income taxes - except now, my credit score has been lowered due to the hard credit inquiries from the credit card they pressured me to apply for and the loan I ultimately did not receive.They have added themselves to my homeowners policy as a XXXX loss payee without approving me for the loan.They have wasted my time for 6 weeks.I corresponded with XXXX XXXX on XXXX XXXX and she NEVER said they do not approve loans if you have been late paying a prior lender ( even with a valid explanation ). I was full disclosure about this - because I was worried it would have an effect. I am feeling like they must have quotas to submit for applications and to open accounts and used me to fulfill their requirement only to mislead me.

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 06-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX Equifax, placed a collection for {$290.00} from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX on my credit report. I disputed the collection and Equifax investigated and stated the debt was mine. I submitted a request for reinvestigation ( XXXX ) and again Equifax investigated and stated it was mine. I again asked for a reinvestigation ( XXXX ) and finally the debt was removed. XXXX XXXX, this same debt was placed on my credit file this time by XXXX I again disputed ( XXXX ) by a letter referencing all the above investigations and the debt was removed from my file. XXXX XXXX this debt has again been placed on my credit report by the XXXX XXXX XXXX XXXX. I have again submitted a dispute ( XXXX ) at this time the dispute is still pending. This debt belongs to a relative who 's name is similar to mine. However our names are not the same. I have even spoke to Equifax and the agent advised a notice would be placed in my file to ensure my social security number was on any negative information placed on my file. ( I can fax supporting documents )

Company response to consumer: Closed with explanation