milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012.

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 08/23/2017 about Payday loan, title loan, or personal loan (Title loan) with WELLS FARGO & COMPANY (GA).
Issue: Can't contact lender or servicer

Complaint: My Chapter XXXX bankruptcy was discharged on XXXX XXXX, 2017. {$2900.00} was issued by Chapter XXXX Trustee to Wells Fargo to clear my auto title. This amount was sent to the wrong address and returned to the Chapter XXXX Trustee. Now Wells Fargo will not release my vehicle title. Wells Fargo claim that they have not been paid. 

I have a copy of the Trustee 's Final Report and Account, which states Wells Fargo Financial was paid {$2800.00} plus {$150.00}. 

Can you please intervene.

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 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Wilber and Associates, P.C. (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: While attempting to negotiate some sort of settlement with Wilber Law Firm/Group, etc., I was repeatedly spoken to with complete disrespect. The representative XXXX, was rude and unprofessional on most every call I 'd ever experienced with her ( about 4 or 5 ). After several unsuccessful attempts to negotiate a reasonable repayment plan and consistently being spoken to like a useless bum of some sort, I eventually decided I 'd need to find a different route to settle this debt especially being that all of the harassment was coming from a " debt collector ''. I later learned that law firm had already sent a letter to the DMV causing my driving license to be suspended months earlier. I am currently in the process of researching if the action was even a legal one on their behalf. I even mailed a letter to the firm during all of this informing them of the tactics being used to force me to pay the debt. Who responded? XXXX. When I called for the last time to attempt speaking with a different person ... again I was taunted my none other than XXXX. When requesting verification of the debt, she mailed me cut off documents that explained none of what I 'd asked for After she 'd already let me know that the company should n't need to waste their stamps due to me being irresponsible. I later researched to see if I was the only person having such a problem from this company to learn that several complaints have been filed against this company for many of the same reasons and some even worse. The lists of complaints go back for years. Well, add this one to the list.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with Resource Marketing Corp. LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX, I received a call at XXXX from telephone number XXXX. The woman calling offered to refinance my mortgage at a lower rate. I informed her that I just refinanced in XX/XX/XXXX and, therefore, had no intentions of refinancing again. I requested she take me off the call list. 
On XX/XX/XXXX at XXXX, I received another call from telephone number XXXX. This time, a woman named XXXX offered to refinance my mortgage at a lower rate. I explained to XXXX that I received the same phone call yesterday, told the previous caller that I recently refinanced, had no intentions of refinancing again, and had requested she take me off the call list. Furthermore, I did tell XXXX that I was being nice now but that I wouldn't be nice in the future if the calls continued. XXXX quipped back with, " Well, you didn't talk to me so you have no reason to be anything but nice to me, " and then proceeded to hang up. 
I immediately called the number back and was hung up on again. I then called back a second time. The man that answered asked for me. I explained to him that I wanted taken off the call list. He then hung up on me. 
Finally, I reached a telemarketer that transferred me to a supervisor named XXXX. I asked XXXX for the name of the company. He told me, " Resource Marketing Corporation. '' I asked XXXX if they were in Georgia as they were calling from a Georgia area code. He informed me that they were located in New York. I informed XXXX of the incidents and informed him that the number they were calling was registered with the National Do Not Call Registry. ( This was verified with an email - the number has been registered since XX/XX/XXXX ) XXXX was apologetic and assured me that he would reprimand XXXX for her actions.

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 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had a tablet that used data from XXXX back before my bankruptcy. It was a on-demand thing, so when I did n't use it there were n't any charges on my bill. I removed the SIM card from the tablet in the months before I declared bankruptcy while I was selling my possessions to pay my debts. 

Mind you, this thing was n't plugged in and I did n't have a contract. Somehow, XXXX started positive balance ( a credit on their books ) to a negative. My bankruptcy went through and I thought the matter was done with. Now, I 'm getting calls from XXXX, CA. A company called Diversified Consultants is attempting to collect on this debt, which is a piece of XXXX to begin with, but should have been discharged completely by my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I filed a complaint with the CFPB last year in regards to my chase private student loans and my inability to repay at the current monthly payment. Chase was willing to negotiate to a certain extent and granted me a temporary deferment period. My request to Chase was to lower my monthly payments which was disregarded and as a last resort I signed the deferment paperwork to get some relief. The paperwork that was sent to me was requested to be returned by Chase, even the paperwork with new loan terms which they would not allow me to keep. I sent all signature pages in but they would not grant the deferment until I sent in all the paperwork including the new terms of the loan. I currently have no documentation showing the new loan terms after the papers were signed let alone what my monthly payment will be. I sent in a letter to CSL on XXXX/XXXX/15 requesting to lower my monthly payments being that the deferment period was coming to end relatively soon - I did not get a response from Chase. I made it as clear as I possibly could that I would not be able to afford these monthly payments for the next 20 years. I have no way of paying the original monthly payment and Chase has not provided any documentation showing my new monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Credit card) with CITIBANK, N.A. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received repeated ( daily ) calls from XXXX XXXX XXXX , XXXX. They call late at night because the company has outsourced debt collection to XXXX and representative do not know the time in United States. In addition, the representative that call and answer company 's phone use fake name to appear as if they are calling from the United States. They are rude, overbearing, and lack a demand of the English language to effective communicate. The company has given me the runaround in my attempt to get them to stop calling my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Settlement process and costs

Complaint: In XXXX we acquired a Mortgage with XXXX XXXX XXXX. Recently I discovered that in XXXX, XXXX XXXX XXXX was not a licensed lender in the State of Maryland, therefore my mortgage is void and not valid. I have verified the information XXXX XXXX XXXX, Mortgage Licensing SupervisorDivision Of Financial RegulationMaryland Department of Labor, Licensing and RegulationXXXX XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX # XXXX have attached case law that you can verify the information from. Additionally the company went bankrupt in XXXX, subsequently there was an assignment done by XXXX in XXXX assigning the Mortgage to XXXX Mortgage. How is this possible when the Original Lender is defunct/bankrupt. XXXX as a Nominee does not have the authority to assign a mortgage when the lender is no longer in business. I have attached additional case law to prove as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I wrote all XXXX credit bureaus as I found misinformation on my reports. Equifax is the only one that did not respond. I wrote them XXXX.Considering the other XXXX bureaus deleted XXXX errors tells me Equifax has errors too. I sent them all the same ID copies as spelled out on their web sites. Equifax CHOSE to ignore me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The following CITICARD opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXXwhy now? 

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious? 

Thanks for your attention! 
This has been paid in full at least 5-10 years ago, unknowingly after the statute of limitations made it unnecessary, through a debt collector : CITICARDS CBNA Account Details Last Reported XX/XX/XXXX Creditor Name CITICARDS CBNA Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I checked my credit and found that XXXX XXXX XXXX DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!

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 08-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to resolve my mortgage issue with OcWEN for over two years now, and keep reading about the XXXX XXXX XXXX and the National Mortgage Settlement Administrator giving OCWEN glowing reports and upgrading them. Their are still a HUGE number of Lawsuits pending against them and I should be XXXX of them. They told me to go into arrears so that they could start the Loan Modificationa nd proceeded to delay delay dealy the results, lost paperwork that was FEDEXED to them. Stated that docs were out of date and more and more and more ineptness pushing the amount I now owe to over {$100000.00} and pushing my credit lower and lower ... This criminal organization should not be allowed to " buy '' their way out of trouble and somebody in the organization should go to jail!! I just read an article that they received a favorable rating from this bureau because they have not received as many complaints about them ... Did you ever think that normal people that they have taken advantage of are tired of complaiining when the deck is so clearly stacked against them. So I am telling everyone today if you are still having problems with OCWEN like I am keep the complaints coming. Dont let them Win they should be out of business and disallowed from paying penalties unless it is to their victims ... And no {$120.00} doesnt cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Other service problem

Complaint: I use their user interface trading platform, and am in compliance with all of their terms of service. Yesterday, unexpectedly and without notice, I was denied access to my account when has quite a large sum of money. After noticing the problem I immediately phoned the support number given was was only told that they acknowledge my problem, apologized, and said someone would contact me shortly. After waiting for my issue to be resolved, I phoned the support line again, spoke with a supervisor who stated that I must wait on a " specialist '' to resolve my issue. Since then, customer report has been unresponsive to my attempts to contact them. I am at risk of losing a considerable amount of money due to the misfeasance by this company and have been robbed of the control over my funds and assets. For the company 's reference, by original Case ID # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 I never gave permission to that company to check my XXXX XXXX, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Medical) with Golden State Collections LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I contacted Golden State Collections LLC after I discovered a debt on my credit from them. I have sent them XXXX certified letters thus far and I have not received a response and the account is still on my credit. It has been 3 months since I have wrote to them, the last letter was sent on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax and XXXX show 2 items on my Credit Report that should have fallen off 7 years after the first delinquency ( ie right now ). They have not, and I have submited disputes, however Equifax will not allow me to view the progress of the dispute online. The 2 delinquent errors are not consistent across reports, and XXXX actually removed both of them already! This is confusing to creditors, say when I go to refinance my student loans, that they see different reports across all 3 bureaus, XXXX showing me in perfect credit, XXXX, showing me an issue or two, and Equifax showing me with two delinquencies. I have a credit rating of XXXX, but these items hold me back. I work hard to keep a good credit score, just look at my past 7 YEARS of activity. This is not fair to hold on to items, inconsistently.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed this account # XXXX from stellar recovery does not belong to me and was opened fraudulently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Student loan from XXXX was paid off over ten years ago and this account still show on my credit report this account is to old to be on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (OK).
Issue: Struggling to pay mortgage

Complaint: This is the THIRD COMPLAINT I have had to file against Selene Finance, whoever they are! Their continual lies in their responses baffles me! Once again they have lied about my representation! I guess no one there can read a court case because it lists my attorney THROUGHOUT the whole case and it is NOT and has NEVER BEEN the Green Law Firm so do n't tell me to have them do anything! I HAVE NEVER EVER BEEN REPRESENTED BY THEM, GET SOMEONE WHO CAN READ! When you find someone who is competent enough to read the court case maybe they can see where my attorney WITHDREW A YEAR AGO! I AM NOT REPRESENTED BY AN ATTORNEY AT THIS POINT, but with all the lies your company is espousing, I will have to hire one! You completely ignored my certified letter so that will show how you have blatantly lied and ignored all my attempts to make you tell the truth about this case! I will keep filing these complaints so the court will have a record of the lies you have told and how you have STILL not provided the required LEGAL DOCUMENTS TO ME! I STILL can prove you have NEVER contacted ME and your complete disregard for the information I have told you TIME AND TIME AGAIN! READ THE COURT CASE AND MY CERTIFIED LETTER TO YOU before you try to answer with more lies! Since you have simply substituted your name for XXXX 's I am not sure that the Supreme Court case that they lost does not apply to you! When you find that person that can read you better find that case and STUDY IT!

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have just entered repayment for my student loans, both sallie mae and XXXX, paid to XXXX college and XXXX university. I 'm a graduate XXXX and am a life long PA resident. I am making under {$26000.00} annually and am due to give birth in XX/XX/2016. With added medical bills, from pregnancy and a preexisting condition, and day to day bills, I contacted my lenders to work out lower monthly payments of some sort. Sallie Mae informed me their extended repayment program would n't change my payments and they could not help me any further. Now every time I call them they are brash and offended when I ask about any programs they offer besides deferment. XXXX, I have called many many times, filed a complaint on this site before and followed all the paper work trails they have asked me to. I did this in the hope of getting income based repayments, but the last time I called I was actually told they could n't lower my $ XXXX monthly payments a lot and that " because I have n't missed any payments 'they ' have no other options for me at this time. '' As a responsible adult I 'm trying to work with them and even did financial statements for them, showing I have an extra {$10.00} a month and my cosigner has very little extra income as well. 
I am trying to work in their rules but I 'm simply not able to pay and neither is the cosigner, and after my forbearance has ended my only option according to them is to stop paying. 
The fact that my original lender for all my loans, sallie mae, specifically told me that I could get income based repayments after graduation is most annoying part.

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