milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX my sophomore year at XXXX my family and I decided to use Salli Mae as a provider to cover my remaining portions of loans I had left over from the stafford loans I received. It was a sum of a little under 8000. During that process I talked to a employee and was assured numerous time that my loan would n't not have to repaid until I was finished with school. However, after the process was done we began getting calls on collections of the bill and were going to begin on the repayment plan. Confused, we called and talked to numerous employees and were told the same thing, what we filled out was not what we thought it was. Me and my father filled out the paperwork with a employee and were assured by her and by slogans on the website that loans would n't have to begin to be repaid until after college. They gave us no options when asked about other methods of repayment and were constantly hounding me and my family about the repayments, even stating we should pay a higher amount to get the loan paid for quicker. After discussing our options, the loan was then consolidated onto my parents so we could begin repaying what we felt was ok. It was one of the most confusing, frustrating, and disappointing process of my life knowing that I signed my parents up with a provider who cares nothing about our lives, but only about making money. They played us and in the process took us as fools.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NM).
Issue: Trouble during payment process

Complaint: i a XXXX XXXX vet and with this i an entitle to a tax break from the state of new mexico this i received the first of XXXX. I receive a certificate from XXXX XXXX XXXX stating that i would received a tax break on my house Account number XXXX.
Now my compliant is that Wells Fargo has not shown this on my invoice if my tax status change then my escrow account should change this wound decrease my house payment. This has not happen yet and when i called Wells Fargo they informed me that my house payments were going to increase. I did not ask fro this but it was offer by the state of new mexico And i thank them for there help.
But why dose Wells Fargo not honor this tax break and help me out?

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 01/29/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The investigation is taking several months. Every once in a while they change the person in charge of the case and everything goes back to zero again, with the same letter of introduction and asking for renewed information. There is like a rota of people fooling around my id theft case. I have never gotten a complete investigation status or what clearly the problem is, and/or what is the solution they are working at. There is a constant repetition of questions and information. Repeated information that has to be re-submitted to a new agent everytime. I feel disappointed and also I do n't even know what are they doing with all this information, my personal information, what is their purpose. If they are marketing or selling my data, or what is going on. But at this point I do n't want their involvement. I know they can be dangerous because they operate as a division of Experian, and they could enter detrimental information in my file if they wanted to get back at me for filing this complaint. Therefore, under my lawyer 's advice, I will be using this complaint also as a milestone to indicate I complained against the agency before they try to damage my credit. Now they have a lot of personal information that XXXX be they even did n't need. They promised to help me put a long term fraud alert on my record, something in the order of 5 o 6 years. Which I thought it was kind of long. But I went along until now when I 'm realizing they are playing games. Their purpose? I do n't know. Thank you for your assistance. Best, XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX. Post Data : I wo n't be able to attach files, but I can send in a long chain of emails I received from this group XXXX ( Experian ) for a period of 6 months or more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with fraud alerts or security freezes

Complaint: Since XX/XX/XXXX I have tried to have a security freeze removed from my XXXX  credit profile. I initially called them on XX/XX/XXXX and they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/XXXX, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX. 

XXXX is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force XXXX  to comply and correct my report.

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 01/26/2017 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX : XXXX XX/XX/XXXX Collection Information Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 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 XXXX 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 : XXXXor 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 SOC SEC XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (CO).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I took out a virtual credit card with TD Bank that provides XXXX XXXX to buy and exercise bike. There was a 18 month interest free period. I went online to setup a monthly payment and they would not let me set up a fixed payment each month so that it would be paid off in full at the end of the period. I would have to login and make a payment every month. I think this is sharp practice in that they are trying to make it more difficult to stick to the terms of their interest free promotion and that they must allow customers to pay off debts within the promotional period. If I missed a payment or did n't pay off the amount by the end of the period I would be subject to nearly 30 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This credit reporting bureau is reporting incorrect information under a Capital One credit card that was closed many years ago ( opened in XX/XX/XXXX ). This is old credit card is still displayed on my credit file showing XXXX 30 day late payments. XXXX late is displayed in XX/XX/XXXX and the other is displayed in XX/XX/XXXX. I wrote a letter asking Transunion to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XXXX and was informed by them that these late 's old, not verifiable and no longer on record and that the credit bureaus will remove the accounts completely. But they have yet to do this. I am suffering financially because of these false reporting and this falsely delinquent account.

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 11/19/2015 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: My mother and I took out a student loan through XXXX years ago and it was eventually taken over by American Education Services or AES. My mom makes payments to the loan every month and has been making the payments the same way for the past XXXX or 6 years. Recently AES took over another loan of mine that I had through XXXX with my father, it was a much smaller loan compared to the one I am complaining about. They took this XXXX loan over XX/XX/XXXX and when they did that part of the payments that my mom was making to our larger loan was being applied to my smaller loan. This was an error on AES part. My mom filed a complaint through you already and AES also sent a letter apologizing to her for the error that they made and informed her that they requested for the derogatory information be removed from her credit report and that her credit would be fixed within 60 days. Her credit is now fixed with her score rising back to where it was prior to this happening, however, my score suffered as well and was never fixed. I filed a dispute through credit karma and the dispute was completed saying they removed the derogatory information from my report however, when I pull up my score it was never corrected. Also, when I pull the payment history it says 30 days past due XX/XX/2015 which is incorrect. Any help getting my credit score fixed from this would be a great help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with Clarity Services (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Clarity Services , Inc., a credit reporting agency has on more than one occasion requested my credit file from XXXX on behalf of Payday Loan companies without my knowledge. I wrote Clarity and requested that they stop this practice. Their response was disturbing ; they stated that they resell XXXX data, and that they need additional data from me such as SSN and a copy of my drivers license. NOT GOING TO HAPPEN!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (ME).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company that we had filed a prior case about in XXXX XXXX due to not assisting us with a modification/refinance. Is now Inaccurately reporting on our mortgage to the XXXX major credit agencies. We have submitted documentation showing we were not late from XXXX XXXX to YTD but have not received resolution and because of the inaccurate reporting we may not be able to get financing on a new home. I truly thought that after the multiple errors that we have experienced with Flagstar that we wouldnt be dealing with another issue with the same Lender. I will NEVER ever again do business with Flagstar Bank. Any assistance would so be appreciated as we do n't know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I am at a loss of words. Long story short, I signed up with TransUnion to get on top of my credit. I then discovered that someone ( who i actually know ) took out a {$50000.00} loan in my name. Frantic, I call TransUnion, to get nowhere. I cant understand anyone. I asked multiple times to be transfered to a supervisor, and that just did not happen. The people here do not speak english. They are not equipped to handle these situations. They could barely understand me when I tried to give then my social security number, let alone tell the slightest bit of information about this XXXX loan in my name! I have XXXX questions, and the agents there and barely understand what I am saying. I need help. Please. There is fraudulent activity and I am a victim of identity theft. I do n't have any other numbers to call..who else do I go too? I am feeling like i got scammed all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I XXXX XXXX XXXX have been receiving debt collection letters for over a year now for a property that was awarded to my EX-WIFE in the divorce. she let it become repossessed and is refusing to pay the debt for the property which has now gone to collections. Since it was her as awarded by a judge in the divorce proceedings the debt is hers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Using a debit or ATM card

Complaint: My ATM card 's expiration date was XXXX 2014. When I did not receive my new card by mid XXXX Istopped in XXXX branches over the course of two weeks, XXXX XXXX XXXX, XXXX XXXX and XXXX. I never requested over-draft protection, but I received this letter rejecting my application. When Iinquired about this issue, the XXXX XXXX XXXX explained that over-draft protection isautomatlcally applled for when you renew your ATM card. I have never had this happen before and I'vebeen banking with you for at least eight years. I was also told that a credit check was not done, but that was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I 've spoken with Central Financial Control on several occasions to reconcile about the inaccurate items that they are reporting against my credit. They are over XXXX of the same items reporting over and over on my credit that are n't valid. The original creditor XXXX XXXX XXXX violated my privacy, and violated HIPAA by providing this company my medical record, reasoning for me visiting the XXXX department, in which these items were all paid via my health insurance, which was provided time of services. I am now seeking legal advise as to filing a lawsuit against the collection agency, being that I spoke with several representatives and they threaten to ruin my credit because they are n't removing anything. Which is a violation of FDCPA to communicate threats. I want all of these items resolved within the next XXXX days otherwise I will pursue further with a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a Tax Lien that was filed with  XXXX   County Superior Court t hat is reporting inaccurately on my Equifax Credit Report. I complained about this a few weeks ago and  XXXX  and  XXXX   XXXX  both removed it from public record. However, for some reason Equifax is saying that they verified it through  XXXX   Consumer Center. I work  in  XXXX  and I know that  XXXX  just reports information ... not verify if it 's correct. How can  XXXX  credit reporting agencies remove  it but not the  XXXX  one???

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: This is a compliant against Chase. 
I deposited a check of $ XXXX written to me by my wife from her XXXX account on XXXX/XXXX/2016 into my Chase checking account and was given a deposit clip which indicates that the $ XXXX is on hold and " date when available '' is XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I wrote a check of $ XXXX from checking account to deposit funds into my stock brokerage account. The check has been bounced back and I 'm charged by my stock broker due to checks being bounced back. 
I called Chase and talked to customer representative XXXX, who refused to disclose more ID information. He said the $ XXXX funds will not be available until XXXX/XXXX/2016 and Chase can not reimburse me on the charges I got hit with for checks bounced back. He also refused to look at any solutions to make the $ XXXX funds available to me, even enough the $ XXXX has been debited from my wife 's XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Capital One is trying to sue me after 8 years I collected the debt in XXXX ( SOL 6 years ) Moved to XXXX 5 years ago ( SOL 6 years ) XXXX has a borrowing statute So in XX/XX/XXXX it will be a total of 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving harassing phone calls for the past year from a company called Portfolio Recovery. I have told them that they have the wrong person, and I have never been in debt for the past 60 years. They keep calling and me several times every day and it has disrupted my life. They just wo n't stop calling no matter what I tell them. Please can you do something about this. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Tate and Kirlin Assoc (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I purchased a tablet from XXXX which subsequently stopped working.I returned the tablet to XXXX and, unfortunately, I ordered a replacement.The replacement also stopped working.I returned the replacement, all at my expense, to say the least.I called the Customer Service department and informed them over a recorded conversation to not send me any more products from XXXX.Believe it or not, I received another tablet and returned it also at my expense. 
Later I receive a letter from a collection agency, namely Tate & Kirklin Associates ( XXXX, PA ) informing me that I owe {$170.00}, Original Creditor XXXX, Creditor XXXX, Account Number XXXX.I disputed the bill with the credit reporting agencies and after their investigation, I received the attached form from XXXX showing a XXXX balance.I thought after receiving this form from XXXX, that my nightmare was over.Not at all!!! And, yes, it is still listed as a disputed collection on my credit report.What good is the XXXX balance when it 's not reflected on my credit report as being in good standing? I know all of these predators are out to make money, but this is ridiculous.I would really appreciate your help in resolving this matter.I realize that the amount alledgedly " owed '' is n't a lot, but it 's a lot when the debt is n't mine. 


Thanks In Advance, 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