milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2015 about Debt collection (Federal student loan) with Automated Collection Services, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received tons of mail regarding a student loan debt that is not mine. I called the company to let them know and they promised not to continue but I am still getting tons of mail! I do n't know what to do. 

AUTOMATED COLLECTION SERVICES, INC

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Bank account or service ((CD) Certificate of deposit) with POPULAR BANK (GA).
Issue: Account opening, closing, or management

Complaint: I OPENED A CD ACCOUNT WITH BANK ON INTERNET ON XX/XX/2016. I DEPOSITED MONEY WITH BANK. THIS IS A JOINT ACCOUNT WITH MY WIFE XXXX XXXX. THIS BANK HAS VERY BAD CUSTOMER SERVICE. THEY DID NOT SENT ANY LETTER REGARDING THIS NEW ACCOUNT BY MAIL. CUSTOMER SERVICE NEVER EVER GAVE PROPER & SATISFACTORY ANSWER TO ME. I AM QUITE UPSET WITH THIS BANK & WORRY ABOUT MY MONEY AT SAME TIME.

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 01-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/XXXX, I was in XXXX XXXX and my wallet got stolen with all my credit cards and debit cards. Whoever stole the cards used my Capital One Venture card at a XXXX and charged {$2200.00}, {$2400.00}, and {$2400.00} all on XX/XX/XXXX at XXXX. The culprit also spent {$1000.00} on XXXX other cards which was XXXX XXXX and my XXXX XXXX card. I called all XXXX companies the day after ( Saturday XX/XX/XXXX ) immediately after I realized my wallet was gone. All the companies said not to worry and that everything would be taken care of and I was definitely not going to be held liable. After about a month, all the companies did what they promised and all charges were refunded. I then felt secure and went on about my life thinking everything was okay. Some time passed maybe another two weeks and Capital One sent me a notification that they were not recognizing my fraud claim and that it was not considered fraud. I immediately called them to figure out what was going on. It is now XX/XX/XXXX and they still will not take these fraudulent charges off my account. I have spoken to XXXX XXXX. ( they will not give me her last name ) in the fraud department what seems like hundreds of times, talked to her manager, and anyone else who will speak to me in the fraud department and get no where. They say it is my job to prove that it was not me who made the charges, which I have done to the best of my ability. I have done everything they have asked of me including filing a police report with the XXXX XXXX Police Department. They still are charging me! I have had arguments and explained to Capital One that they told me I am not liable and even took it off my account for about a month just to be put back on. They are basically calling me a liar and instead of being innocent until I am guilty they are saying I am guilty until I can figure out to prove my innocent which I feel like I have. I am not a lawyer and do not really no where to go from hear. I even told them that both other credit card companies recognized them as fraud ( thanks and great customer service from XXXX XXXX and XXXX XXXX ) but Capital One says they do not care and that their fraud requirements are different. 

I am just requesting what Capital One told me when I signed up with them, that I would not be held liable for fraudulent charges and to take off the fraudulent charges. I have all detailed information to move forward with a resolution or if it is not resolved a lawsuit. 

Thanks for your Time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Experian to make them aware that this public record XXXX has been filed in error and has now been dismissed and vacated by the Courts I sent Experian the court documentation showing that it is no longer active and was filed erroneously but Experian has yet to block this information 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 explanation
Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called Equifax about this tradeline from XXXX # XXXX that does not belong to me. They said it is factual record. I told them it does not belong to me, I want to see proof with my actual signature showing this belongs to me. They have not sent any proof bearing my signature. Pulling something from a XXXX party vendor is not proof. Anyone can email, fax incorrect information to a XXXX party vendor. I want actual proof this belongs to me bearing my signature. Under The Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX XXXX you have 30 days to show me proof. Otherwise I will file a small claims action against you seeking damages of {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Bank account or service (Cashing a check without an account) with CITIBANK, N.A. (NJ).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 I went to Citi Bank to cash a check that was draw on Citi Bank. The Teller ask for my identification, social Security Number and Job Title to cash a check. Just for clarification in order cash a check and you do not have a check is what because I do not have a checking account do that give them perimission inquiry into my personal life Social Security Number is PIV Confident Item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: Greetings, Greetings, I have initiated disputes with XXXX  and Trans Union to remove incorrectly reported late payments for XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. XXXX and Trans Union will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to XXXX  and Trans Union to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XXXX. Below are the reported late months that should be updated on my XXXX  and Trans Union credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Billing disputes

Complaint: I purchased a camera at XXXX XXXX XXXX in XXXX via the internet. I was charged {$340.00} for this camera for a total {$350.00} including tax. A few days later an additional charge was made by the merchant for {$80.00}. Capital one never gave me ample time to challenge the merchants " documentation '' to show and prove that I have NEVER authorized an additional charge of {$80.00} for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been calling TransUnion since XXXX XXXX I have called TransUnion on several occasions on trying to get some hard inquiries removed from my credit report I have been told on several occasions by TransUnion representative that I would have to reach out to the Creditor or to the person or people who placed the hard inquiry on my credit report. I did that I called every creditors on my credit report explained to them what I was doing. On XX/X/2017. I sent a certified letter to TransUnion with a list of all the hard inquiries and the companies that furnish the hard inquiries in my report I 'm asking in my report for them to be disputed on XXXX XXXX XXXX I called TransUnion to make sure that they had received my letter I was told by one of the TransUnion Representatives that they had received my letter.the representative explained to me that they received my letter but they do not do disputes.the representative told me my dispute letter would go without a response because they do not do disputes. I have done what TransUnion has asked of me. But I am still not able to get results from teansunion.below is a copy of the letter I sent transunion.

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 10-02-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I spoke with Sallie Mae regarding my student loan repayment options and requested an alteration to the length of the loan to reduce my monthly bill. However, they did n't even think for a second, and simply said " No, we do n't do that. You owe what is on your monthly statement. ", then asked if I wanted to make a payment. When I said that I did not want to make a payment at that time he said have a good day and hung up. Because the federal government has decided to let student loan providers XXXX anyone trying to better themselves they apparently do n't care at all about their clients once they have you on the hook. They know that there are no available options for people like me, legal or otherwise, to even get help on handling this debt. I did n't ask them to forgive my debt, and I was trying to offer a way I could pay them back, but since they are above the law they know they can just tell me to XXXX and simply garnish my wages. I am now in a situation where I am having to consider filing for bankruptcy. If Sallie Mae could work with people there would n't be so many individuals in default on loans, but I know I ca n't do anything about this debt, so I have to see if I can do something about other debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: I have a complaint with Ally Bank Automobile Loan. I have accrued late charges on a car loan totaling over {$130.00}. Each time I try to make the payment online, it is applied to the vehicle payment. I have called and they have told my to add to the vehicle payment. I have tried with no avail. They hung up on me during my last call even though I was pleasant but not understanding how the late charges work or are accrued.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX was a place i rented an apartment, this apartment became VERY unsafe for myself and my daughter. We were threatened on numerous occasions, XXXX. I had to leave this apartment prior to lease, i wrote letters to the leasing office and spoke w/ them personally. they said i could leave and no monies would be owed then a collection company reported a {$6000.00} balance on my credit. this is not a true collection! i left for safety issues owing brookstone {$0.00}. NATIONAL CREDIT SYSTEMSXXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are XXXX inquiries on my report, XXXX from XXXX XXXX, which should be coming off this month and XXXX from XXXX XXXX, which I did not authorize? That too should be coming off soon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 'm attempting to have my student loans deferred for 1 year due to a job loss, continued custody court issues with my 4 year old son, and helping my elderly widowed mother whom has XXXX, pay for medicine. In XXXX I received an email from the XXXX. I responded to the email and wrote the omnibus for help to consolidate my student loans but never heard back. I left a voicemail for a XXXX at a XXXX XXXX location but never heard back. I 've asked my congressman, XXXX and XXXX of XXXX to help with a congressional inquiry. I 'm asking the CFPB to please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I was making monthly payments on my mortgage to Ocwen. I do not believe the payments are applied correctly to my mortgage account. I do have cashier check receipts issued by XXXX to prove my payments were made. Home Retention dept shows a portion of my payments were applied to a suspense account. However, my mortgage statement does not show evidence of this. 
Meanwhile, I had a health issue which caused medical expenses. I had a XXXX. This caused me to get behind on XXXX payments. I experienced problems getting Ocwen representative and XXXX on the phone to discuss my situation. On XX/XX/2016, I went to XXXX and faxed a letter to XXXX Fax number XXXX per XXXX ( letting them know my payments had not been applied correctly. And asking for assistance to correct my account and save my home. I received a fax confirmation that the fax went through ok. To date, the XXXX has not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: When I orginally started my repayment process, i spoke to representatives over the phone asking about lowering my payments because i had other expenses building up. They told me that was the lowest monthly repayment option I had. So, i made sure to get way ahead my first year so I would not default. I knew i was changing jobs after my first 6 months at my position. I changed jobs midway through that first repayment year and started getting payed 15 % less. So the second repayment year was less of a financial burden. The third year i was late on 1 or 2 payments and they recommended i go under forebarance or i will default. I was not willing to pay more in the future so i told them i would not happen again, despite the fact I was moving to another city for a better financial opportunity. This was scary to think about at the time so i continued to repay during my transition period between cities with the little savings i had. I have paystubs, reciepts, and professional references of needed to show my past job date and times of hire. These are scare tactics utilized on those with little experience in loan repayments and looking back now, I had other options at my disposal but was limited to the information and resources i was presented with.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: The issue is the lack of due diligence by the bank which issued a Pick a Pay loan to me in 2008, and their lack of compliance. 

SEE ATTACHED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Bank account or service (Savings account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: Regions Financial opened a savings account and credit card account without my authorization. After seeing what XXXX did to their clients I personally wanted to ensure they get investigated as well as I contacted them and they could not understand why the teller opened the 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 non-monetary relief
Consumer complaint received 12/22/2017 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: Trans union continues to verify several debt as accurate with out providing proof such as a sign credit appl, load prepayment agreement or loan documention and have fail to comply with the federal FCRA

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 03/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am on an income based repayment plan through Navient. I submitted my yearly tax returns to have my payments reassessed. On XXXX XXXX I got an email that the payment term for my loans had changed and my next payment amount was {$340.00} due on XXXX/XXXX/16. On XXXX XXXX I got XXXX emails. The first said that the payment term for my loans had changed and my next payment amount was {$360.00} due on XXXX/XXXX/16. The second said that the payment term for my loans had changed and my next payment amount was {$51.00} due on XXXX/XXXX/16. On XXXX XXXX I got a monthly statement email that said my next payment amount was {$760.00} due on XXXX/XXXX/16. When I logged into my Navient account to check which amount was correct it said that the auto-pay would bill my bank account {$760.00} on XXXX/XXXX/16 and XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
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: In response to Citibanks letter dated XX/XX/XXXX for my Citi Best Buy accounts ending in XXXX ( Old account ) and the new account ending in XXXX ( see letter attached ) I received all the statements and receipts and i can confirm all transactions after XX/XX/XXXX where unauthorized. 
This is the 3rd time I have informed Citi bank of the unauthorized transactions The transaction in XXXX Florida for {$900.00} in mine, as i previously said, I was in Florida from XX/XX/XXXX to XX/XX/XXXX XXXX ( see attached boarding pass ) However, all the other transactions from XX/XX/XXXX through XX/XX/XXXX are unauthorized. I did not make them, sign those receipts and I did not profit from them in anyway. This is including the pay by phone payments on XX/XX/XXXX & XX/XX/XXXX. They were not made from any of my checking accounts. 

Additionally, If there is anything else Citibank feels they need to discuss it MUST be written communications. Therefore, In the event there is a civil claim, it is best both parties have equal access to all the historical facts. I stated this in my previous correspondence and I am stating it again. 

In the meantime, I am advising Citibank to conduct themselves appropriately. Which, to this point you have failed to do. I AM REFERRING DIRECTLY TO THE MID-CYCLE POSTING OF THE BALANCE FOR ITEMS I HAD JUST A FEW DAYS EARLIER DISPUTED.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 2017 data breach. Incompetent and gross negligence in handling of sensitive PII. Blatantly and unashamedly offering their own ineffective theft protection service for a year as compensation for losing data that can not be changed for the rest of my life, but requiring that I waive my right to sue them for their disgusting actions.

Company response to consumer: Closed with explanation