milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have contacted Navient, initially, the party I spoke to said XXXX XXXX on uncountable occasions. This company has this fraudulent account on my credit report three times. I have never applied for any loan of any kind with this organization. I have sent my domicile as well it is public information that I have lived between the XXXX properties XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX exceeding 20 years. My daughter has admitted to signing the documents in which I was mortified when finding this out. Her signing my name to a contract without my knowledge and saying that we were dealing with my spouse and son battling XXXX, which I have unfortunately loss them both was a massive ordeal, but that was her excuse for signing my signature and not asking, that is unacceptable. I continue to say that I knew nothing of this until discovering on my credit reports, which I immediately contacted them and have been going back and forth since. I am attaching one of the contacts from my daughter acknowledging it is her debt, XXXX XXXX, not XXXX XXXX. I am asking again for this debt to be removed. If this were my debt, I would have paid and this would be no issue, but to liable for something I had no knowledge is absolutely insane. I am asking Navient to release me of liability immediately and hold XXXX the liable party of the debt. Attached again is a letter from XXXX XXXX. Please remove this fraudulent debt from the XXXX bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit report is showing I owe {$68.00} to XXXX ... this debt has been paid ... I challenged it through XXXX & they deleted it from my report ... I also called XXXX XXXX & they are not showing any such debt ... Please remove this negative information ... thank you XXXX XXXX ... XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have  XXXX  derogatory account claims on my  XXXX , Experian, and  XXXX  credit report accounts from  XXXX   XXXX  Bank. After carefully reviewing this information I realized that these  XXXX   XXXX   XXXX  Bank credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based on  Federal and State of  Florida  Statute Of Limitations. I have reached out to all  XXXX  credit bureaus and filed dispute s and have asked  XXXX   XXXX  Bank as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and   XXXX   XXXX   XXXX  k has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All  XXXX  reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to  XXXX   XXXX  Bank via  XXXX  certified mail with stamped receipts and proof of signatures and the responses I received from  XXXX   XXXX  Bank for each letter. The document labeled as  XXXX  is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX  is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.

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 10/24/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have called, emailed, and contacted Equifax via social media multiple time to request assistance with missing information. Equifax is not including an account that was reported to them 23 days ago, over three weeks. Equifax will not assist in helping resolve the issue and takes every effort to not provide help. 

I have contacted the creditor and this information has been supplied to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 I paid off a home equity line of credit to Wells Fargo Bank. The day we sent the payoff check I called Wells Fargo to ask what the payoff amount was. I was quoted, {$57000.00} over the phone as the payoff amount. A check for that amount was sent to Wells Fargo that day. 

My home equity loan was paid off, and my account was closed. Then Wells Fargo opened up mortgage account, ( which I never signed any documents for ), and sent me a bill for {$670.00}. 

I called Wells Fargo and filed a dispute, stating my loan had been paid off with they amount THEY quoted me as the payoff amount. 

Because I complained, Wells Fargo retaliated against me by DAMAGING MY CREDIT RATING. They also sent me a letter, telling me that no payoff amount was request. THAT IS A BLATANT LIE. I CALLED THEM ON THE PHONE BEFORE THE CHECK WAS ISSUED AND REQUESTED THE PAYOFF AMOUNT. The payoff check was the amount I was quoted over the phone.

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 04/29/2016 about Mortgage (VA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Never once missed/been late on a mortgage payment. I contact 5/3 Mortgage ( my mortgage lender ) notifying them of a job transition that was going to leave me without a paycheck for about 5 weeks. I asked for a two week extension on my mortgage, of which they said that would not be a problem. My mortgage was promptly paid two weeks later. After that two week extension I have remained current on my mortgage like I always have. Turns out - they reported me to all XXXX credit bureaus as delinquent. I called and asked for a request for correction, to which 5/3 issued a denial letter stating that it was reported accurately. My attempt to speak with a human in the Mortgage Dispute department have been violently sequestered, providing me only with a fax number. My new job is in a new city - now with this on my credit I ca n't qualify for a loan on the house we have been looking at.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I wanted to dispute a charge on my Discover card that is from a company who took my money and did not provide any service at all.They started taking my money in XX/XX/XXXX. The merchant name is XXXX and it was a monthly service fee of XXXX thru XX/XX/XXXX.I know it is old but I feel Discover should still be able to go after this merchant, as they are still in business.They also called me and said they were no longer using Discover and I needed to use a different card.I wonder why. To many chargebacks? I would expect Discover to look into this and retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Credit card) with Alliance Data Card Services (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: From XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX phoned me four days in a row ( one call each day ) looking to collect the money I owe XXXX. The 4th time I told the caller that what they did is illegal. She responded by saying " I do n't know anything about that ''. I tell them that I am on public assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 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: The Following Accounts are not being Investigated by Experian! EXPERIAN IS SENDING ME FAKE RESULT! THEY ARE NOT CONTACTING THE SOURCE! 

The Following Accounts Do Not Belong to Me! Please Delete them! 
XXXX XXXX # XXXX - This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. Chapter XXXX Bankruptcy Docket # XXXX The Docket Number is Incorrect! XXXX XXXX XXXX XXXX # XXXX This Account Is Not Mine! XXXX  XXXX # XXXX This Account is Not mine! XXXX XXXX XXXX # XXXX This Account is Not Mine.  XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX XXXX # XXXXThis Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Dated Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened:XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine.  XXXX XXXX # XXXX This Account is Not Mine.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Recently, I pulled my credit report and saw there is negative report in my credit report for delinquent payment for one of credit card XXXX XXXX XXXX in amount of {$3700.00}. Attached the credit report from experian. I never had any card open with XXXX. I have tried to dispute it and Experian refused to remove it from account even though contest show my social security and my information does not match. I really need help to get it clear from my credit so I can get pre approval to purchase house.

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 11-11-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XX/XX/2017 they gave a credit back for XXXX because it was reported as fraud and now they are telling me they want to take that money back!!

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: This account is not being reported on my Experian credit report and it 's affecting 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 09/29/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. Equifax will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from Equifax! XXXX account needs to be PERMANTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : EQUIFAX, XXXX AND XXXX!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2016 about Consumer Loan (Vehicle lease) with CREDIT ACCEPTANCE CORPORATION (OH).
Issue: Shopping for a loan or lease

Complaint: Dear Sir, as an XXXX who legally leaves in XXXX Ohio since XXXX, I feel very frustrated today by the fact that a bank and a car dealer company, Credit Acceptance and XXXX have made me sign an agreement to finance my car. Initially, the car was around 12,000 . Because my credit was bad by then ( I was not familiar at all with the credit score in XXXX, having been here for only 2 years ), I made a deposit of XXXX XXXX Credit Acceptance financed the vehicle for me, a XXXX. I have been regularly paying XXXX $ every month for the past 2 years. When I checked with Credit acceptance how much I still owe after paying XXXX, I found that I still need to pay XXXX XXXX I realized that they made me sign an agreement to pay a total of almost 25,000 for a XXXX car initially sold for XXXX. I believe that they have abused me, and they did not treat me fairly. Banks although making profit must have a minimum of moral to avoid behaving like crooks who abuse innocent victims who are not familiar with the financial system. Please talk to Credit Acceptance, ask them how they made me sign these document and what are the criteria that made them put so high the price of an old car in spite of my effort to down deposit XXXX. My name is XXXX. my phone number is XXXX, and my e-mail adress is : XXXX. Please help me, I and my wife are making a very low salary, and are victim of a joint crooking service of XXXX XXXX in XXXX Ohio and Credit Acceptance. Thank you for contacting me as soon as possible, for more details. Thanks Good bless. Kalifa

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge onXX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Prepaid card (Gift or merchant card) with INCOMM HOLDINGS INC. (MA).
Issue: Unauthorized transactions/trans. issues

Complaint: {$45.00} of my {$50.00}, XXXX Gift Card, was stolen from my gift card. I activated the gift card on or about XXXX/XXXX/2016, and on XXXX 2016, I went to XXXX supermarket, when I got to checkout it was only {$5.00} left on the gift card. I reported that to XXXX Gift Card Co. They said that they would investigate it they reported to me that the money went to XXXX. And it would take 45 day to resolve this, and at the end of XXXX or beginning of XXXX, I called them they said that I needed to wait until the XXXX. Of XXXX for them to finish their investigation. On XXXX XXXX. 2016, I called again, and I was told that it takes 60 days to investigate so I was two days to early and to call back on the XXXX XXXX. On XXXX XXXX. I call back and was hung up on twice, on the 3rd. call I needed to give them more time. The on Monday I called The Massachusetts XXXX who put me in touch with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a notice from Coast professional that read if you wish to repay this debt voluntarily, you must contact our representative with 15 days of the notice. I did just that and after negotiating a payment plan, I was told it would not avoid wage garnishment. I agreed to the payment quoted and a manager got on the line to advise that i still would be garnished. I 've met both deadlines so I 'm unclear of why the letter is so misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (MA).
Issue: Other service problem

Complaint: I can not deposit funds from my XXXX account into my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (OK).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened a secured credit card with Discover last year with limit of {$200.00} dollars. Last month ( XX/XX/XXXX ) the credit card mail me back the deposit of {$200.00} and make my credit card unsecured. The problem is how I can use a credit card with {$200.00} dollars limit without be lower than 30 %? I travel a lot internationally. My income is very higher and I have 7y history of credit report and excellent score. I 've being using XXXX card after I had my Discover and they gave my high limit and already increase without I 'm asking. I called the XXXX XXXX asking limit increase because even one student does n't have a lower credit limit like I am. The attendant was very nice but said my request was denied. 
I would like to have a fair credit limit and better relationship with Discover. I would like to point out I 'm very glad the checking on my score was soft instead hard pull.

Company response to consumer: Closed with explanation