milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2017 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I was lured into obtaining my free credit score from eqifax in XX/XX/XXXX or XX/XX/XXXX, only to realize that my checking account was being charged {$59.00} for a credit monitoring service, which I had never signed up for and/or given approval for. It took nearly XXXX months to remedy the situation and the finally agreed to discontinue the service, but refused to reimburse me for the {$59.00} monthly fees already charged over the last XXXX months. I have read that the suit against eqifax and transunion dates back to XX/XX/XXXX, however, I can assure you that it it began far earlier, as I ca n't be the only person this happened too. I respectfully request to be included with the other victims of fraudulent activities commited by Equifax and XXXX. I addition, I would encourage your department to investigate such activities and resultant victims long before the XX/XX/XXXX start period. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid XXXX directly for a balance i had. I got a alert on my credit account after i paid for the balance by a collection agency stating i owed a balanced when i did pay it off.in addition i never got any notice from a collection agency. They never sent me a notice. I did stay in touch with XXXX and there should be recorded conversations that i did call them to let them know i was going to be late and that i was going to reestablish service with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (I do not know) with The CMI Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In accordance with my rights under the Fair Debt Collection Practices Act, I am hereby requesting formal validation of the alleged debt you are reporting to the major credit reporting agencies on my behalf. Please note that I am not requesting a simple account summary but instead you should forward the following information in a timely manner : 1. Validation that the alleged debt was established, including a signed application for credit. 

2. Formal certification that the alleged debt was transferred to a third party if applicable. 

3. Notarization regarding the alleged debt 's P & L application to federal or state tax write off. 

4. A complete monthly accounting history from the alleged debt 's inception through the present date, including any alleged charges, penalties, service charges, and payments, as well as a certified attestation regarding current status. 

5. Documentation regarding your company 's compliance, including applicable bond, regarding debt collection laws in my state. 

I will look forward to receiving the requested documentation so that this matter will not escalate further. Otherwise, you are prevented from reporting this account to the consumer reporting agencies. Any further reporting is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809 ( b ) 15 USC 1692g.

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 11-01-2017 about Debt collection (Other debt) with ERC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection claim from ERC on XXXX XXXX regarding an alleged unpaid amount for XXXX XXXX XXXX. I contacted ERC and was told that it was regarding service from XXXX XXXX, 2015 -  XXXX XXXX, 2015 at a former address. They also confirmed my social security number. I did have XXXX XXXX XXXX service around that timeframe but it was cancelled and the equipment was returned, a forwarding address was provided to XXXX XXXX XXXX and no claim was ever filed in the two years since. I contacted XXXX XXXX XXXX to verify that there was no money outstanding on the account that evening and they confirmed this. 

ERC asked me to file a dispute, which I did. I have also placed a 90 fraud alert at the credit agencies, in the event that this is someone who has accessed my social security number and former address in order to open fraudulent accounts or make a collection of funds. 

The ERC representative tried to get me to pay a settlement on debt that is not mine and I am concerned that my information will be used inappropriately, as I have no idea how they received it in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I finished XXXX XX/XX/XXXX. I XXXX for forty years. Why am I not eligible for debt forgiveness? Because my loan is beforeXX/XX/XXXX!!! How ridiculous is that?!! XXXX University ONLY offered XXXX XXXX at that time. I retired and still owe approximately {$11000.00}. 
Recently, Navient lowered my monthly payment, but that just extends the time and ads on LOADS of extra interest. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Have XXXX student loans with Navient. Have been making a consolidated payment each month. Received a letter of default and called. They stated I have n't been making payments. Checked online and all payments PER THEIR website have been made. They have now sent me to a collection agency. This is Insane!! And each time I call I receive a different answer. If I am making the agreed payment each month I know it 's not legal to send me to collections. This company has the worst collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: My husband 's employment contract was revised at the end of XX/XX/XXXX. He was worried that his job was being eliminated, so he notified our mortgage loan servicer, Caliber Home Loans ( trustee for XXXX XXXX XXXX XXXX ) of hardship and asked for Loss mitigation application info. He made mortgage payments until the end of XX/XX/XXXX at which point he lost his job. The XX/XX/XXXX., and XX/XX/XXXX. payments that he made were not credited to our mortgage. My husband was told not to pay anymore payments until loss mitigation was submitted. One payment was returned to us and there is a partial payment still sitting in our account that was never applied. Loss mitigation paperwork was promised on the numerous times my husband called requesting it, but never received despite the promises. Caliber Home Loans lied to us. On XX/XX/XXXX, we were served in person with a foreclosure summons. We did not receive a 90 day pre-foreclosure letter by certified or registered mail. We did not receive housing counselor information either. We contacted the NYS Attorney General 's office and eventually was referred to XXXX  XXXX XXXX, a law firm that is representing us in the foreclosure case. We are currently in the settlement conference phase. My husband is now gainfully employed and prepared to resume payments, but Caliber has adjourned twice already.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I requested a credit line on Wells Fargo, when the statements came the name of the account was wrong I assumed it was not my account and should not pay, I asked the bank to stop sending receipts that were not mine, after 6 months I saw my credit score and then I realized that the account was really mine, but the name was wrong. I paid in full after I saw it but my credit score is damaged now.

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 07-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I maintain a Regular Checking account with Bank of America, N.A. Bank of America recently announced that as of X/XX/17, all non-Bank of America customers cashing my personal check at a Bank of America location will incur an {$8.00} fee for each check over {$50.00}. Arguably unlawful, this practice is blatantly discriminatory towards those without the means, ability, or standing to maintain a bank account of their own ( e.g. the poor, illiterate, or undocumented ). It makes a mockery of the simple, time honored concept of a personal check. To wit, my personal check is my exact written order for the bank to pay the specified amount to the payee on demand upon verification of their identity and availability of funds. It is a service the bank agreed to provide to me in exchange for my maintaining a balance. The payee is not a part of that service agreement. Rather, the payee is being forced to pay a fee to obtain that which is rightfully theirs. In short, the bank is committing larceny while calling it a transaction. <P/>I have communicated my views on this proposed action to Bank of America but I am but one voice. I ask the CFPB to take action. Please do not allow this practice to stand. It is an avaricious, cynical corporate reach for dollars off the backs of those who can ill afford to part with it.

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 09/28/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Account opening, closing, or management

Complaint: SunTrust has repeatedly opened new checking accounts with slight variations on my name. They have no activity, but they create huge hassles for me when I try to use Online Banking. They are created without my consent and I would like the practice to stop immediately.

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 02-05-2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Rewards

Complaint: Amazon has a private label credit card called Amazon Rewards. If you are an Amazon Prime customer, when you make a purchase you offered {$1.00} in credit if you accept normal shipping rather than Prime Shipping ( two-day ). But, Amazon does not offer its customers an easy way to figure out how much credit they have accumulated and when these credits expire. As far as I can tell, the only information about credits presented to customers takes place through email. Amazon should provide an easy accounting of credits on its website.

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 06/23/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a student loan that was initiated with XXXX XXXX which they serviced for 3 years. In that time frame while in school interest had been accruing without making payments. Once I finished school, I began receiving statements by mail and began making payments. After about 3 payments I received notice that the loan was going to be transferred to NAVIENT to be serviced.
<P/>
My problem is this.
1. They will not mail statements.
2. They used to provide a monthly statement online ... .That dies not exist anymore.
3. They do not provide a break down of principle and interest for each loan.
4. There is no way to reconcile my payment for said principal and interest.
5. There is no customer service. I have made numerous attempts to discuss this matter by e-mail and telephone. There is no one able to explain the practice ... .they say it is just the way it is.
<P/>
They are not disclosing interest breakdown because of the following : If you add up the minimum payments on the loans, it is not enough to cover the interest meaning that you will never make a principle payment. The affect of this is catastrophic when interest is compounding on top of interest. It takes the loan which is on average 6.5 % and increases the interest to 28 % for infinity because the principle is not reduced.
<P/>
So, am I supposed to accept that their information is correct?
This is a disclosure issue and unless I do my own math I have no idea what my payment breakdown is.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Delinquent account

Complaint: This account was a joint credit card with Discover card the account was to increase my credit score. I did not use the card nor did I have a card to use. The primary card hold was doing me a favor, but ended up hurting me. I 've been trying to get my name removed from this card and trying to get it removed off of all my credit reports. The primary card holder abused the card and was n't paying the monthly payments. The only way I found out that the bill was n't getting paid I download an app to see how my credit score was looking boom it popped that the account I have joint with has n't been paid for months and that it was maxed out. I am trying to buy a house with that joint account with her it 's preventing me to accomplishing my goal in purchasing a home. Can you all please do something to get that account removed from my credit reports and taken. I 've have lost large amount of money trying to pay this off on something I did not use. Its to the point now where I can not continue paying for something I did not use or have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a negative on my credit profile.      1st  request sent certified mail  XXXX / XXXX /   17  ; response was " ve rified '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original credito  rs documentation to verify if this information is mine and is correct.   * These negative records are also listed on my report as duplicate record s (   XXXX  times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.

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 08/19/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (PA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I linked a bank account and transferred {$100.00} on XX/XX/XXXX. On XX/XX/XXXX I was notified by Coinbase that the transaction was reversed due to nonsufficient funds. I checked with my bank, who confirmed that the transaction completed. I have emailed Coinbase everyday for over a week without any response. The only thing I receive is an automated message that they received my email message.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I called TransUnion at XXXX to put a fraud alert on my social security number after it was released by my employer to the wrong employee. TransUnion had me provide all information into the phone and than provided me with the address of XXXX. The recording told me to send my personal information, social security card, and another form of identification, such as my drivers license. However no other information was provided, therefore I have no idea what I am supposed to send requesting to place a fraud alert on my account, no form or anything. The recording only said send my social security card to this address. I am in a great amount of frustration over the whole process and just want to place a fraud alert on my account to XXXX and TransUnion. How can I get this done?

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 08/19/2015 about Mortgage (FHA mortgage) with WATERSTONE MORTGAGE CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage was sold from Waterstone Mortgage Corporation to XXXX XXXX effective date XXXX/XXXX/2015. I was notified today XXXX/XXXX/2015. XXXX 12-13 days, not the XXXX as required by law ) Called Waterstone customer service, they said it has n't been sold yet and I should n't have received anything stating it has.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: my bank has extended the time frame to pay my mortgage to 5 days ..it used to be 1-2 days.. i asked them to explain. they told me the mortgage bank accepts only checks. in fact they told me this twice which is a lie. a banker from my bank called the mortgage bank and clarified that no changes were made regarding my payment, with me as third party witness.. now my bank says the mortgage company sets the conditions for payments online. this month my 900.00 plus payment was taken out of my account on the XXXX to reach the mortgage bank on the XXXX.. this is a 9 day hold. and yet my other bank payments are only a 2 day hold. there is something going on that seems off. i was told to just have my mortgage company deduct the amount from my account every month. this is not acceptable and they wo n't even admit i have been lied to. i want to know why only this account is affected. what do they gain? an extra few days to float my XXXX $ to their advantage. this seems like a way to scam customers..

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my ID , Proof of address  and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: Hello, I purchased a property with a mortgage from BofA at XXXX, Fl XXXX. 
BofA ordered an appraisal with XXXX ( a part of BOFA at the time. They chose XXXX XXXX a fly by night who did not do a valid appraisal. I Asked BofA to do a new appraisal as his appraisal had many errors and I was concerned. XXXX XXXX my loan officer said " it does not matter. All that matters is you get the house ''. I have repeated asked for a new appraisal or an appraisal review but they refuse as XXXX BofA person said '' we dont want to do it because it will come in so low '' .Now I am stuck with a butchered house remodeled without licensed persons or permits and have over {$71000.00} of code violations and must do repairs. I am angry that BOFA accepted the appraisal report after I complained. Apparently they think my opinion does not count.They have refused to do anything to take responsibility for what they did. I had an appraisor come inspect my home and he said XXXX XXXX did not do what is required by Floridas Statutes Scope of Work. I also talked with more than a XXXX appraisers in the area who said the appraiser should have checked public records to see if permits were pulled on such an extensive renovation. XXXX did not. I can not live in the home ( firetrap ). There is no electricity in half the house as is, wires are spliced and i have been unable to even turn on the elec water heater. " electricians told me not to. I have been told by lawyers that I can not rent or sell because I would be held responsible. Also about XXXX months after the closing BOFA sold my mortgage to XXXX XXXX. I contacted them and explained the problem and was very hopeful as they told me they could send the loan to BOFA or order them to pay me for the repairs. Then they changed their minds and. I think both banks want me to default so they get my deposit {$25000.00}, closing costs and all the payments I have made for almost XXXX years. 
SOUNDS FAMILAR! 

can you please help? 
sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Nelnet  raised my payment to an exaggerated amount than when I could n't pay it they offered me a deferment taking on all the interest to my principle. They then said at the end of my deferment my payment would be manageable but instead it came back at the original exaggerated amount. I 'm tired of the games they are playing adding interest and fees when they know I ca n't make their demands.   Please help stop these preditory practices to a stay at home mother of  XXXX .

Company response to consumer: Closed with explanation