milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: When my loan was with XXXX XXXX and I was having a difficult time paying my loan they convinced me to use my all my options to continue to delay my payments. At the time, with a young family, I thought XXXX XXXX had my best interests in mind and I agreed to move forward. I did n't fully understand that later in life I would no longer have this option if I ever needed it again. Also the interest was continuing to be charged, so it meant that XXXX XXXX was making more money off me. When XXXX sold my account to Navient I had moved and did not receive the notifications. Navient was not sending me paper bills and the emails they were sending were going to my spam. After I realized I should be paying Navient I called and emailed them multiple times asking them to send me paper bills, and to take off any penalties or credit reporting of late payments however they would not remove any penalties. They finally started sending paper bills. I have had my original loan since 1999 and I do not have even 1/2 paid off. Interest and penalties have piled up so much that my loan is costing me an extremely high amount. This is not something companies should be allowed to do for people who 've taken out student loans with a reputable company only to be sold to another and treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Trident Asset Management, L.L.C. (MS).
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 a collection account on my three ( 3 ) credit files from a collection agency named Trident Asset Management, LLC.  Please be advised that I am disputing this collection due to the fact Trident Asset Management, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX ) does not have a valid license nor a certificate of authority in Mississippi to collect on debts. This information is stating that their license is currently nonexistent according to https : XXXX. Furthermore, this company never contacted me about this account but just placed the account on my credit reports without verifying if the information is true or if the item is mine or not. In reference to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), validation letters were sent to XXXX,  XXXX, and XXXX on XXXX XXXX, XXXX. The account was deleted from XXXX ; however, no proof was provided to me by XXXX nor XXXX as of the date of this letter and it continues to remain on both reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit. The company responded with this We have already responded to this consumer XXXX dispute back in XXXX XXXX, XXXX, informing her that the payment was received and the account will be updated as paid in full. The account was received in our office on XXXX XXXX, XXXX and the payment was not made to the account until XXXX XXXX. This was also closed per XXXX on 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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is not properly reporting to the credit agencies. The account has been paid they have been listing the account as in a derogatory status. This account was paid back in XX/XX/2016. This account should be reporting as paid

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with Colony Brands, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Checked my credit report to find that I have a negative claim  from Swiss Colony ( A ccount #  XXXX  ). It states that the date opened was  XXXX   XXXX ,  XXXX , was then closed, charged off and the status updated  XXXX   XXXX ,  XXXX  and the balance is {$640.00}. Last updated  XXXX   XXXX ,  XXXX . I have never ordered fro m Swiss Colony be fore so I called the company at  XXXX   (   XXXX   )   XXXX . The representative told me that I ordered throughout the last few years and that my  s ocial security number was used. The representative then said she would flag it as fraudulent and send me paperwork to file. She never offered to cancel the charges just to say that she ca n't promise the collection agency wo n't still be trying to contact me.     I called bac  k 30 minutes later to see if they could give me the address these items were being sent to but they would not release any information to me. I 'm not sure what the next steps should be as the company will not give me any information and this is negatively effecting my credit score.
Thank you in advance for your help.

Company response to consumer: Untimely response
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax , XXXX & XXXX are showing a public record ( legal item ) of {$5100.00} as of XX/XX/2016. That record has been dismissed via the XXXX County Court Reference Number XXXX. Needs to be removed from all XXXX credit reporting agencies immediately, this has been dismissed by the magistrate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX credit report on XXXX XXXX, 2017 stating that I owe a balance of {$2200.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to 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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
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: On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I sent a certified dispute letter requesting validation of the account being reported by XXXX, XXXX, and Experian. 

I received a response from XXXX XXXX on XX/XX/XXXX stating : " All account information ans documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do so. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX and Experian have violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the Equifax cyberattack, my information has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Overpaying of interests during the Refinance : I have a 30 year XXXX ARM from Wells Fargo Bank related to my primary residence ( co-op ). In XXXX 2015, I refinance a 15 year fixed rate mortgage from XXXX XXXX with closing date scheduled on XXXX XXXX, 2015. XXXX XXXX 's policy is to fund three days after closing-XX/XX/XXXX. And XXXX branches are open on XXXX XXXX. However, the Wells Fargo attorney office is closed on XXXX XXXX and can not release the stock certficate until XXXX XXXX. And the settlement agent ( XXXX XXXX attorney ) wo n't release the cash disbursement to me until XXXX XXXX. However, XXXX start charging me interests on Friday, XXXX XXXX even though the settlement agent can not release fund until XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a phone call from an unknown number leaving me a message to call back XXXX. I called back. They spoke of a debt that was from XX/XX/XXXX -XX/XX/XXXX? I live in Colorado statue is 6 years. They said that there will be a court hearing on XXXX XXXX. I looked it up and I do not see it on the docket. They also said that the sheriff 's department would be serving me. I called the sheriff 's department and they do not have a record. When I call the number I speak to the same person over and over never identifying themselves.They are demanding XXXX payment via credit card or money order by tomorrow to stop the court process. But as a law office they do n't have to tell me anything they guy was willing to work with me and offered the XXXX payment and XXXX other payments. I believe this is a scam cause I ca n't find that phone number listed to any law offices in the nation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX  representative knowingly lied during a verbal agreement on a recorded phone call. In an attempt to settle this debt I calle d Diversified Consultants t o setup payment arrangements.   The  DCI re p was  XXXX   XXXX . I told  XXXX   XXXX  that I am currently not working, but that I could set up a automatic payment plan of {$20.00} a month to resolve it. Before I gave  XXXX   XXXX  my credit card information I specifically asked him if the account was being sent to the credit reporting agencies.  XXXX   XXXX  stated that as long as I did not default on my payment arrangement, it would not be reported.  2 payments ( 2 months ) into my payment plan I was alerted by my credit monitoring service that DCI  had reported the  XXXX   XXXX   XXXX  account as a unpaid debt. I contacted  XXXX   XXXX  at  DCI t oday to try and resolve the issue, and he stated that he remembered our conversation from 2 months ago in great detail and that he did not say that my account was not going to be reported.  DCI  is refusing to remove the account from the credit reporting agencies, even though the account is paid off.  DCI als o refuses to release/play/share the recorded phone conversation that includes the verbal agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NC).
Issue: Money was not available when promised

Complaint: I asked for a withdrawal of {$600.00} of my money ( see below ) and it shows complete but no funds were received. I've emailed over a dozen times ... one response with case number ( see below ). I've also tweeted, facebook, and called Coinbase/XXXX  for resolution with zero response. Case # XXXX is the only thing I was given on XX/XX/. 


transfer XXXX XXXX - XX/XX/ XXXX XXXX Transfer ID : XXXX On XX/XX/, at XXXX XXXX, Coinbase Support XXXX wrote : Hello there, Thank you for contacting Coinbase! 

Sorry for the trouble and for the delay on responding. 
Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

You can always visit our self help tool found at XXXX XXXX XXXX for more issue resolution steps. 
If you require further assistance, please let me know. 

Thanks, XXXX Coinbase Support Hello there, Thank you for contacting Coinbase! 

Sorry for the trouble. This message was sent to XXXX in reference to Case # XXXX Follow this link to view the status of your case and add additional comments : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NV).
Issue: Shopping for a loan or lease

Complaint: Wells Fargo Dealer ServicesXXXX XXXX XXXX, CA XXXXAccount number : XXXXI rescinded the car loan according to TILA Regulation Z. 
I have not received my payments back. 
I have received the title although this is because the final payment was paid early with rescission notice following days later. 
20 days had passed with no notice of any objection to the courts about my rescinding the loan hence the bank has waived their opportunity to dispute their responsibilities under Regulation Z. 

They must return to me All payments and fees. 
I would prefer that they would send the value in XXXX to the following address:XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: Trying to recast mortgage. Was told to go to local branch and write check for specific amount in order to reduce principal to {$180000.00}. Wrote check at local branch in XXXX VA on XX/XX/XXXXfor {$210000.00}. Told bank teller to apply 100 % of funds to principal. I was assured that all funds were applied to principal. Two days later, I found out that account was not properly credited and {$1100.00} was directed to interest as opposed to entire amount to principal. Therefore, principal not reduced as directed and desired. Recast payment will be higher due to error by Wells Fargo. Wells informed of error on XX/XX/XXXXand on XX/XX/XXXX. Wells refuses to admit mistake and refuses to correct. No contact from recast department despite beyond told that I would receive recast documents overnight after payment was made on 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 non-monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Good Day As of  XXXX   XXXX ,   XXXX   I have on numerous occasions contacted Transunion to dispute inaccurate information and/or accounts listed on my credit report. I specifically asked them to please investigate and validate the information that is being reporting in writing and to no avail I have not received a valid response from Transunion the only thing I received is a new credit report with the items updated as new and accurate. This information is invalid. I am asking for assistance with this matter as this information is causing me hardship. In addition to Transunion not responding or deleting this information they continue to add fraud alerts to my credit report which I have asked in writing to be taken off! I want any and all fraud alerts to be removed IMMEDIATELY! The accounts in question are as follows --  XXXX   XXXX  account #  XXXX  $  XXXX  ***unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  $  XXXX  unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  {$540.00} *************** unverified account --   XXXX   XXXX   XXXX   account  XXXX   XXXX  {$1400.00} **************unverified account --  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account  XXXX   XXXX  {$0.00} unverified account They have ignored all my request to provide me with the documents that they have in their files that they used to verify the disputed above accounts. And according to Sec tion 611 ( 5 ) ( A ) o f the FCRA -- they are required to PROMPTLY DELETE all information which can not be verified! I would like my rights under the FCRA to be enforced! I demand these accounts to be verified or deleted IMMEDIATELY sincerely  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 04/17/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On  XXXX   XXXX  I submitted a dispute to all   XXXX   CRAs. I have received the results from   XXXX   and Equifax, but not  XXXX . However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against   XXXX   XXXX    of Delaw ar e in Court. Each report is reporting a different date that the account is open, the h ighest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date . Dispite pr oviding each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt.   XXXX   XXXX    has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with Prospect Mortgage, LLC (NY).
Issue: Trouble during payment process

Complaint: TO : Prospect Mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir or madam, Earlier this year I received the attached form XX/XX/XXXX XXXX XXXX from you. After numerous attempts to contact you and receiving no replies I was forced to submit this form with ny XX/XX/XXXX taxes. <P/>However I have no idea why you are sending me this form. Our mortgage was with your firm in XX/XX/XXXX. You sold it and the mortgage is now with XXXX XXXX. <P/>Why are you sending me this form after all these years? Is there an escrow or other amount of money that you still have the belongs back to me? <P/>I would like to clear this up in an amicable manner. Kindly let me know what the status of this account is. I believe a due date by XX/XX/XXXX is fair. Please reply by then. <P/><P/><P/><P/>Continuance : I made several calls to Prospect Mortgage in XX/XX/XXXX. No calls were returned. I believe the last call was XX/XX/XXXX at XXXX XXXX ET. I spoke with XXXX. She took my name and number and said someone would call me back. This was typical of two or three other calls I made. No one ever returned a call. So I wrote the letter as detailed above and dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: that debt did not belong to me, to my understanding the car was paid off but somehow its still showing on my credit, please take that off of my credit it is effecting my credit score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I got bill from XXXX XXXX XXXX XXXX and I paid the bill on XXXX/XXXX/XXXX but my paid account was send to Hunter Warfield collection for the same bill.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has false information on my credit report. I had XXXX credit card with this bank back in XX/XX/XXXX. I have not had any credit with them since. I filed bankruptcy against this credit card, in XX/XX/XXXX.they say I have other existing accounts that I owe them. and this is false info.Thank You

Company response to consumer: Closed with explanation