milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Problem with fraud alerts or security freezes

Complaint: I have recently received three letters informing me that my personal information and credit card accounts have been subject to data compromise. The letters included information on how to perform a freeze on my credit accounts. When contacting these companies and requesting a freeze, one waived the fee while the others told me that because of which state I live in, they are required by law to charge a fee for the freeze. I do n't understand how one company can waive the fee with no problem while the others are " bound by your state law ''. Again, I have done nothing to cause this problem. I was notified by several of the businesses I hold accounts with that I should take action. It seems that these credit reporting agencies have a monopoly on my personal information and I have no control unless I am willing to pay an extortion for them to act on my behalf. Is this legal?

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 03-10-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX XXXX, Nationstar has contacted me several times to present. Initially, I would accept the calls. The requested information would always be the same. Starting XXXX XXXX, I asked Nationstar representatives why was it necessary for them to contact me since my profile had not changed. They would same to me, we are updating your file. To me, this did n't make since because I can update my profile online at Nationstar website because I have a user id and password. I have requested Nationstar to stop calling me in regards to this matter. However, my requests are being ignored. 

Thank you in advance for assisting me in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A collection agency started to call. They pressured that my account was up for review and that I will be sued if I did not make a payment. The company has refused to work with what is within my means of living. I was recently homeless, trying to obtain healthy living standards. I offered them a deal. They refused. I can not pay full balance as it was an eviction and in the upwards of a few thousand dollars. I am XXXX years of age and a student. When they call, it is in snarky tone and condescending. I did not stay at the complex for 8 months. After the fact they want to charge for 8 months rent and bonuses. That is why I offered them a lower % back because the complex had the opportunity to fill the vacant spot. As this was happening the complex sold itself to another financial institution. Causing new management, not being able to obtain old records with approximate balances that were updated and account information. Causing the new collection agency to collect on debt that is wrongful. Along with their obscene behavior. Plus threats to take action that were never taken should be adequate enough to where this account is dismissed. The original creditor has sold the account. Thus leading the collection agency not owning the original debt as well with no proof of transactions. I also have no received anything in mail by the agency after I disputed the information they provided and they continue to call back without verifying the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing statement

Complaint: I was notified by Chase bank in mid XX/XX/XXXX that they were closing all XXXX credit card accounts that I have with them. I called their customer service and even went to a local Chase branch, but got no clear answers on why my cards were closed. Customer Service is appallingly bad and useless. A few weeks prior I had reported to Chase that XXXX of my cards was used fraudulently for a balance transfer of {$3500.00}. I suspect this has something to do with why they closed my accounts, but again they do n't want to give me any details. My identity was stolen, it 's not my fault, but Chase seems to think I 'm some type of security risk. At this point I do n't care about the cards, but I told them I have outstanding balances I need to pay, in order to maintain my excellent credit score. They told me someone would get in contact with me but no one has and I can no longer login to the Chase website to pay my bills, but oddly I am still receiving email alerts that my bills are ready to view and pay. So their website design is just as bad as their customer service. Why am I still receiving these emails if I 've been banned from logging in to pay? I need Chase to MAIL my bills to me for all XXXX cards so I can pay my bills. ALSO, my Chase XXXX card has a {$95.00} annual fee that I just paid in XX/XX/XXXX. The card was canceled by Chase along with the other XXXX in XX/XX/XXXX, so Chase owes me {$95.00} for a card that I can not use. They need to send me a bill showing the {$95.00} credit, then I will pay my remaining balances and be done with Chase forever.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit card () with BARCLAYS BANK DELAWARE (CT).
Issue: Billing disputes

Complaint: Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). I did receive an email from a XXXX XXXX whom Ive been unable to reach by phone, he requested a phone conversation. He was advised I could pay XXXX by end of month, however, he was unable to comply with lowering payment amount. Again, the account is past due and over limit, there are additional late and over limit fees added on. I checked the account today, XX/XX/XXXX, it still shows XXXX due. Please do not mark this as duplicate, additional information is enclosed. The account in question ends in 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 02/17/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This is my second complaint about Wells Fargo, I am trying to do a loan modification for the past 2 years and I keep getting the run around I sent the paper work in a bunch of times, all I get in response is your missing something, than I 'll send that and they tell me I 'm missing something else, than I have to redue all the paperwork again because it expired, I send it in again and again your missing something this has been an ongoing thing and I have been really XXXX over this whole thing had to get XXXX family problems my partner of 13 yrs left because of this whole mess, I 'm falling apart here I want to keep my home and need some help fast before they forclose on my home, I got a email from you saying to call about my first complaint, I called today and the man could not help me with anything, said the wrong stuff was written down from someone there at cfpb wrote the wrong stuff down, he said he would call me back it 's been an hour now and I still have not heard back from him, I need to get this resolved BEFORE I loss my home so I can save it, while I 'm in the modification process I get a letter saying the XXXX with be handling my loan, I 'm trying to get a modification from Wells Fargo now I got ta deal with another company and get all new paper work, this stress is going to kill me and than it will be on Wells Fargo hands, so please can someone take care of this asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made arrangements with Navient to bring my account current and into forbearance. I made a payment of {$240.00} on XXXX XXXX and they stated that another payment would not be due until XXXX XXXX. On XXXX XXXX another payment for {$240.00} was taken out and they are saying it was done through the online payment method. I did not log into that account at any time around that date and did not make that payment. They have agreed to refund the payment within 6 to 10 business days but my account is now overdrawn and they do not want to cover the overdraft fees. Not only am I not able to make current bills because that account is overdrawn, when money does go into it there will be several overdraft fees that will take up that money. Not only am I paying over {$200.00} a month in interest and only a little over {$20.00} is coming off of the principal each month, I am now facing more loss of money because of their screw up. I live paycheck to paycheck it 's not like I can just transfer the money over to cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a letter from Equifax stating that my personal information was included in the Equifax Breach. I am unable to access my Equifax credit report on the Equifax website anymore. In reviewing my Equifax report, I noticed that I had XXXX inquiries that were not authorized and they are the following : XXXX/XXXX for XX/X/2017 which was previously removed and placed back on without my knowledge after my previous dispute, and also XXXX XXXX-XXXX. I am requesting that those XXXX inquires be removed as they were not authorized. Also, I have 2 accounts that need to be removed as they have been unverified and I do n't have a contract or any knowledge with either of the following creditors : XXXX/XXXX totaling {$450.00} and XXXX totaling {$370.00}. Also, XXXX is not reporting a correct balance and I have never been late on this account so the late remarks should be removed. The correct amount for XXXX should be {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is getting ridiculous. Each month you lie to me. I have had some finical issues and each time people tell me that they will help me and they do n't. They just keep on lying. For example, on  XXXX   XXXX  of this year, I spoke with a gentleman named  XXXX .  XXXX  helped me by saying as of  XXXX   XXXX  he could help me enroll in a program if I paid {$150.00} to keep my account from going to the next person.So I did and I believed him. We scheduled a call for   XXXX   XXXX   on  XXXX   XXXX  to get me enrolled. I left that call feeling like finally, somone helped. Well, I was wrong. He also said he would push all of the calls from me and my cosigners. Well, yesterday,  XXXX   XXXX  my mom was being harassed by Navient, yet again. So I called  XXXX  hoping he could let me know what the issue was. To my surprise, I no longer have  XXXX  I have  XXXX .  XXXX  promised me that he would be my account person now. So  XXXX  tried telling me all of the things I already knew was a problem. I stated to her that to please read the notes, I spoke with  XXXX  and he told me everything would be okay. After several minutes, she magically saw what I was talking about. She agreed to what my deal with  XXXX  was. So again she said I will push all of your calls until we talk on Monday. Which again we scheduled a call for  XXXX   XXXX  at   XXXX   XXXX  . When I hung up yesterday, I was annoyed but at least she understood what the deal that happened only a few days prior. So this morning I am at work and my mom calls and says  Navient  has called 8 times since   XXXX   XXXX   .... It 's currently only   XXXX   XXXX  . Are you serious? I have an arrangement. if someone says they are going to push the calls, they should do their job. I am so annoyed with this company. I 've tried time and time again to work with you guys, spending all my money to pay back these ungodly loans. I need to speak with someone who is competent apparently because I am tired of explaining myself to people who clearly do n't care. Also, these robo calls with  XXXX  are annoying as all  XXXX . Even when you pick up the line goes dead and you ca n't speak to anyone. Seriously this company needs to get it together. Lastly, they say they call me, but I get NO phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Why is this still on my credit file still. I was informed this remark would be removed. Please help Item is XXXX 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 02/25/2016 about Debt collection (Auto) with WELLS FARGO & COMPANY (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I signed for a car loan for XXXX XXXX, he has had car since purchase date of XXXX 2015. He has not made payments and I filed a suit in court to get car returned to me. He returned car to me at court on XXXX XXXX payment was 3 months behind. I paid on XXXX XXXX and on XXXX XXXX. As of today payments are caught up with exception of XXXX XXXX payment ( ten days past due ). I plan to pay this in the next couple weeks and try to sell the car. I explained this to XXXX XXXX at Wells Fargo extension XXXX several times. She keeps calling to have me set up a date to have it automatically taken out of my account, I have told her several times I do NOT want to do that, that I have made two payments this month and plan to get it caught up. She will not take no for an answer, she called me today at work, I told her I cant receive calls at work, she said well you answered did n't you, and she kept trying to keep me on the phone to set up a bill pay date to take it out of my account, I said no, she said why wont you do it? She is a very rude person who keeps calling me, even after payments have been made.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit reporting agencies of XXXX, XXXX and TransUnion are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.

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 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX/XXXX/XXXX I had a fraudulent charge of XXXX in my credit card, I discovered it when I looked my transactions online on XXXX/XXXX/XXXX, I contacted their fraud department the same day, the charge was credited. 
On XXXX/XXXX/XXXX XXXX am I contacted a supervisor named XXXX, in order to complain, because I was never contacted by the CC company to alert me about this transaction, that 's completely out of my normal transaction during the 15 years that I 've this CC, the answer was that they did n't have my authorization to contact me, how could a company state such an stupid excuse?

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 06-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax is ignoring information that was sent to them inregards to my accounts with the us dept of ed they have a letter in there files that tells them to remove all accounts I am not on the XXXX report witch is the fed dept report they can not verfy any information other then what is given to them this accounts need to be removed they are sharing information with every one who runs my report that I have debt I do n't owe they are allowing a compy with no right to report to my credit to do so

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XX/XX/XXXX, I received a bill from XXXX XXXX for {$280.00}. Because I had no idea why a bill was sent into collection I researched this charge to discover it was a purchase made at Macy 's Dept. Store on my Macy 's charge for {$20.00} due XX/XX/XXXX. Prior to that purchase, I had a XXXX balance on my Macy 's account and history will demonstrate that my bills were always paid on time. I had moved prior to making that purchase and had completed changes of address, but for some reason, I never received this bill, so it accumulated fees totaling {$260.00}. I sent a letter dated XX/XX/XXXX to XXXX XXXX and to DSNB explaining that the fees were unreasonable due to never having received the initial bill and that I am willing to pay the charge of {$20.00}, but not {$280.00}. In XX/XX/XXXX, I received another bill from XXXX XXXX XXXX willing to resolve this matter for {$200.00}. I am unwilling to pay more than the initial charge since I had never received a bill ( but was able to receive the collection bills ). I wrote another letter to XXXX XXXX dated XX/XX/XXXX. My hope is to resolve this bill for the initial charge of {$20.00} and have it cleared from my credit 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 01-03-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was repeatedly contacted by IQ Data about a debt I do not owe. They are calling me constantly, harassing me, threatening me with suing, threatening me with credit reporting yelling, belittling, calling during business hours, calling my work, leaving repeated voice mails, calling back to back, day after day. They never sent me a letter detailing any debt or given me the opportunity to dispute the debt if a valid one existed. I have not verified any debt owed to IQ Data. I do not owe any money to IQ Data. I want the harassing phone calls to stop. They are calling all hours of the day about a debt that is not owed. They have the wrong person! This has to be against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a Vehicle Loan and Personal Loan with USAA Savings Bank in XX/XX/XXXX. I went thru a divorce and left XXXX in XX/XX/XXXX. There were several months i missed payments on these loans. I paid the vehicle loan balance of {$17000.00} and personal loan balance of {$2800.00}, before USAA got it to collections. 

They put on my credit report both loans were charged off and never paid. I submitted a complaint to the XXXX XXXX XXXX, complaint # XXXX and they got USAA to remove statement they were never paid. 

USAA continues to put on credit report both loans were charged off, when in fact they were paid in full and they did not charge off any losses. 

USAA auto loan is account # XXXX USAA personal loan account # XXXX ( last 4 numbers not shown on credit report ) USAA was paid in full sometime in XX/XX/XXXX-XX/XX/XXXX, can not recall exact date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I had paid off this account on XXXX XXXX 2015 to Green Tree Servicing in the amount of {$120000.00}, as the proceeds were wired to them by the closing attorney. I have asked them to send me the exact posting information, as how much was posted to the principal, interest, escrow and what kind of fees were charged. Instead Green tree field a Foreclosure against me in the XXXX, SC on XXXX XXXX 2015 ( which was later dismissed after i became aware of it and sent their attorney an email ) Until today, Green Tree has failed to provide me with any detailed information. The only letter I have received says that there was a check sent to me on XXXX XXXX, 2015 ( This is XXXX 2015, not XXXX 2015 ) in the amount of {$1700.00}. When I call their customer service, they give me run around and treat m every rudely.

Company response to consumer: Closed with explanation