milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2015 about Debt collection (Auto) with States Recovery Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XX/XX/XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with XXXX XXXX XXXX XXXX and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, States Recovery from XXXX XXXX XXXX XXXX. I received a letter from States Recovery and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems 8 years later. 

STS RCVRYXXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency STS RCVRYOriginal Creditor XXXXStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Wells Fargo sent me an email back on XX/XX/XXXX stating that I had a bonus offer of {$150.00}. I called the XXXX number as to how to redeem this {$150.00} Bonus Offer and was advised that it could be redeemed on XX/XX/XXXX by going into the branch. 

However, I just called today, XX/XX/XXXX, and was advised that I did not make the guideline because I only spent {$470.00} in the first three months. I spoke with a manager also today. I told him to pull the tapes of the phone conversations as to the Wells Fargo employees verifying that I was entitled to {$150.00} bonus on XX/XX/XXXX. I actually spent {$1500.00} in the first three months of receiving the credit card. What a rip off. If I was not entitled back in XX/XX/XXXX, why not state it at that time? Today, XX/XX/XXXX, also,  one phone rep stated that the bonus will go directly into my account within 7 days. That is when I requested to speak to a manager.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to the Equifax website, my personal information may have been compromised in a data breach, putting myself and 209,000 other people at risk. I would like restitution for mishandling of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with Comerica (MI).
Issue: Account opening, closing, or management

Complaint: Comerica Bank charged me {$6.00} for Bank On-Line fees in error. They only credited me {$13.00} even though they over charged me for over 2 years!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I visited the local branch of JP Morgan Chase located in XXXX, New Jersey where my wife and I live. I asked that I be refunded a balance on my Chase Credit Card in the amount of {$220.00}. The bank branch manager called Chase Credit Card and after half an hour XXXX the supervisor came on the line and said to the branch manger and to me that the refund check would be overnighted to me as I had repeatedly said I needed the money and that " Time is of the essence ''! XXXX also said that at the latest I would received the refund check on Monday XXXX XXXX. I did not receive the check either day. I returned to the branch and the branch manager again called. This time Chase Credit Card said the check had not be drafted on XXXX XXXX as XXXX had promised but on XXXX XXXX and was mailed out on XXXX XXXX by XXXX but no tracking number was given the branch manager or me. The refund check has still as of XXXX XXXX arrived! And this despite my 6 visits to the branch, 10 letters to XXXX XXXX XXXX the Chairman and CEO of JP Morgan Chase at XXXX XXXX XXXX, XXXX XXXX, New York XXXX, and many telephone calls! I am a XXXX citizen and this experience has proven to be physically difficult for me. XXXX in the branch officer said on XXXX XXXX, " The matter has been escalated to the highest level of the bank! Please call this number and be sure to give them this reference number. '' So I called on XXXX XXXX but no one was able in the Executive Office to speak to me. The next day at XXXX XXXX XXXX from the Executive Office called. He is a " research analyst '' but could not help me get the check overnighted to me. He said, " I need a few days to do research ''! This though both he and XXXX in the Executive Office noted " the matter is urgent ''! Still I did not have my money that I very much need as I live primarily on Social Security. Such poor treatment of me a senior citizen by JP Morgan Chase which with assets of {>= $1,000,000} assets is the largest bank in the United States and one of the largest banks in the world! JP Morgan Chase refused to wire the refund to my JP Morgan Chase checking or savings accounts! The local branch has washed its hands of the matter. The Executive Officer refuses to send me the refund check overnight! And all the time, to repeat, a really need the money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In the fall of XXXX I borrowed {$86000.00} in PLUS loans to help fund my children 's college education. In XXXX I was laid off and late with payments. A XXXX collector said over the telephone that he would stop collection activities if I requested a forbearance. He mentioned no financial consequences during the conversation and offered no alternative payment solutions. 
Due to the economic recession, I took a job for a few years at half my regular salary. I was completely unaware that full interest deferred during the forbearance would become capitalized. I resumed full payment of the loan every month in the summer of XXXX. This month I examined the history of my loan with Navient and discovered {$16000.00} of capitalized interest had been added to my principal balance. I also discovered that over the 9 year history of this loan of {$86000.00} I have paid Navient {$63000.00} in monthly payments. But my current balance is over {$93000.00}. 
Last month I was laid off again so today I called Navient and asked them about lower payment options. Their call center supervisor offered an " interest-only '' repayment option that reduced my $ 750 monthly payment to {$650.00}. This, of course is just as difficult to pay and does not reduce the {$93000.00} balance. 
This family needs relief from XXXX / Navient. To borrow {$86000.00}, pay back {$63000.00} over 9 years, and end up with a {$93000.00} balance should be criminal. To get laid off, and offered an " interest-only '' payment option is making this situation incredibly difficult. 
Thanks for any help you can influence against these lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (CA).
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: Compass bank continues to lie and slander my name and not focus on the events that lead to this complaint. In XX/XX/XXXX, I spoke to Compass Credit Card Department to indicated that I never received the card. I was then told the account was closed because the could n't properly ID me. Per the manger in the credit card department if I can go to a local branch and they can ID me and call in to verify me that they will reopen the account which took place. The XXXX CA Branch can verify that this took place. My focus is on the account # XXXX on XX/XX/XXXX reporting to early warning that I attempted an unauthorized transaction. First I want to point out that compass just confirmed in there response that my account was opened which contradicts them saying the transaction was unauthorized. The transaction actually took place on XX/XX/XXXX and I took a convince check from my XXXX XXXX XXXX Card into a local branch in XXXX CA. I asked the branch what is the best possible way to handle a balance transfer. The branch told me to write out the check to myself and deposited into my checking account. Being that the check is a credit card product before it could be deposited the branch would need to call over to the credit and authorizations department before it could be deposited because the system is flagging it for approval. After waiting about 5 minutes the teller was on the phone with the department and came back with an approval and said the funds where available in my account for immediate use. With all that said compass is reporting for misuse on this account with early warning but they already confirmed the account was opened and the transaction in question was approved in branch via credit and authorizations department. Compass keeps focusing on transactions that has nothing to do with the XX/XX/XXXX reporting. When the transaction was made on XX/XX/XXXX my credit card and checking account was opened. Compass then closed the accounts after the transactions were made which would make it an legitimate transaction not what they are reporting. Please investigate the XX/XX/XXXX transaction and correct my early warning reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had multiple conversations with navient XXXX where I was told my consolidation would remove the past due snd negative history of my credit bureaus. This did not it help XXXX. NOT only did this not happen but it too they sold or had a 3rd party collection agency calling me telling me I was n't eligible for consolidation. this was very very confusing to to get conflicting stories from XXXX different agencies. When 's i findlky got my consolidation done the monthly payment was {$200.00} more than what I agreed earlier to. I am requesting that my credit bureau be corrected. Asap

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX   XXXX    , my  XXXX   XXXX  lease was transferred over to someone else. I received all the letters from  XXXX  saying that the process has been finished. After numerous times talking with   XXXX    they agreed to remove the account from my credit report, it has been removed from my   XXXX   credit report but it still shows as open with Transunion, i have not been able to force transunion to remove it because  XXXX  simply does n't respond.

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 03/23/2016 about Debt collection (Credit card) with Atlanticus Services Corporation (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been taken to court ( 3 appearances since XXXX XXXX ) by XXXX XXXX XXXX XXXX on behalf of a Tribute Mastercard. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This is a formal complaint after directed harming to my person by this corporate named Experian which is one of The U.S. 3 major credit bureau.Experian in an act of revenge against my person and since I complained about their process of disputing a collection on my personal credit report, Experian put all kinds of computerized blocks ( experts knows what that means, I couldnt find a specific name to that sort of blocking someone while he/she typing in an online form to be submitted electronically ) to prevent me from adding a personal statement to my personal credit reports that showed a collection with XXXX XXXX XXXX as the original creditor. I spent hours to try add the statement after following the Experian website instructions on adding personal statement ( I have plenty of legal PDFs files to proof this waste of my time by Experian and their unethical business behavior ). I finally submitted my request to add a personal statement to my personal credit report by accepting whats shown in the attachements, however there were forced letters added to the name of the original creditor ( instead of XXXX XXXX XXXX, you can see in the attachement that Experian forced that to be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Experian targeting of my person that was demonstrated in that incident and many others that I have right to bring to court when I decide to do so after reviewing Experian detailed response to this complaint and I will not accept scripted or general statement from Experian to just show off that they responded to my complaint. I am expecting a detailed information about the unethical business behavior of Experian. I hope anyone from the U.S regulators who reads this formal complaint against Experian to please stop my sufferance with this credit bureau ( Experian ) that harmed my financials and denied my right to add a personal statement and other harms that regulators can contact me directly and I will provide all the necessary documentations of my claims to them. I hope that someone will stop Experians unethical business behavior that prove this compnany is not a U.S citizen corporate but a destroyer of U.S citizen. I demand my rights to be respected and fulfilled by Experian who denied them as described above. This formal complaint was Signed by me today XX/XX/2017  Respectfully, a U.S Citizen

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 01/27/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MT).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I completed a deed in lieu with Ocwen Loan Servicing for my house in XXXX County at XXXX XXXX XXXX XXXX. I received a XXXX from Ocwen showing the release of lien effective XXXX/XXXX/XXXX. The credit bureaus all show the loan discharged from my credit report in XXXX. In XXXX XXXX I began receiving foreclosure notices from Ocwen and phone calls from their customer service department. I also spoke with a relationship specialist. None of them could tell me why after 9 months I started receiving foreclosure notices even though I do n't own the property. I did find out in XXXX of XXXX that the paperwork sent to Ocwen 's attorney was not filed with XXXX County because the lawyer is " no longer in business ''. Also, I found that the house was listed with a real estate agent from XXXX XXXX to XXXX XXXX by a realtor hired by Ocwen. I spoke with the realtor and she stated there was an interested buyer in the home but they could not get clear title on the house because Ocwen 's attorney failed to file the paperwork with XXXX County. I also received a letter dated XXXX/XXXX/XXXX stating my deed in lieu was completed XXXX/XXXX/XXXX. That is 4 years before starting the deed in lieu process.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Mortgage (Other mortgage) with FLAGSTAR BANK, FSB (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a loan through Flagstar bank and I tried to do a loan modification XX/XX/XXXX and XX/XX/XXXX. I had a credit score that should have qualified me for loan modifications per government regulations at the time but the Flagstar Rep told me they look at " other things '' too and that I did not qualify. They told me my only avenue for saving my home was to " stop '' making payments on my home and let it fall into foreclosure and I can apply for loan modification that way. I gave them everything they asked for ( bills, bank statements, Profit and Loss statements, tax returns, etc ) It was everything. I was told to fax it to them and I did. Over and over and over again. When I called to check on anything I got a live person XXXX out of every XXXX times I called. I kept getting letters saying we need more information but I would call and they said " no we got everything but send it again with updated versions ''. I must have done this at least 10 times and I never ever got a legitimate answer or resolution. Then the trustee sale happened and I was notified to leave the home immediately. I did everything they asked for over a year sending every last document they asked for several times over and over and never got an answer or resolution from Flagstar. The bank forced me into stop making payments by saying they ca n't do anything until I miss XXXX payments. They did not modify my loan even though at the time my credit score was over the minimum required by the government HARP program. Then they took my home that I had for nearly 20 years. I see they are part of a class action suit how do I become a part of that? What is my best course of action? Appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with Sapphire Marketing Group, Inc. (VA).
Issue: Problem with the payoff process at the end of the loan

Complaint: XXXX is not a loan company they are a debt settlement company, I have to loans of which I fell into hardship and could n't pay them so I contacted this company about helping my consolidate my loans into one payment and also stop the fees for accruing. In XXXX 2017 I got a phone call from XXXX XXXX stating that she worked for this company and that they can help me pay off my loans in 4 months without paying any fees from the lenders and accrued interest, She sent documents over stating those facts .Once I responded to the documents. This company started taking money from me on XXXX XXXX, 2017 of XXXX! XXXX XXXX, 2017 was suppose to be my last payment and I was suppose to get a letter from my lenders stating that my loans were paid in full. Before I enrolled into this company i owed XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX informed me that once I enrolled into XXXX loan that they would handle everything for me. I had told her that I had only paid XXXX but had not paid XXXX because they had not sent me a statement. She informed me that it was fine because they would settle my debt for me and handle everything for me. Everything was going good until XXXX when i got a call from XXXX with XXXX XXXX XXXX Im guessing they are the same with XXXX  but they represented them, She explained that I would not be finish in XXXX because one of my lenders had not settled. This company did nothing to tell me that my lender wasnt going to settle. They kept charging me fees from their own company while my lenders charged fees too. I demanded a full refund but was told that i would only get XXXX back and that they charged over XXXX in fees. Sent only one lender a check for XXXX in XXXX. I am beyond exhausted and frustrated. This company is a big scam and I want my money back because they misrepresented their selves and then at the end going to tell me that i signed a contract stating that they would take fees. I did n't care about the fees. but they didnt do anything for me so I demand a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Just initiated a credit report from Experian and found a residential address not belong to me. XXXX made credit inquiries on me on XXXX/XXXX/2016 the same day someone created an Social Security Administration online account and used my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief