milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: I have sent three certified letters to  XXXX , Experian, and  XXXX  informing them that there are accounts reported on my credit file that belong to a person with a different name. Somehow my credit file got merged with someone with the last name  XXXX . My last name is and has always been  XXXX . I have called every week to all  XXXX  agencies and have removed  XXXX  addresses,  XXXX  phone numbers,  XXXX  social security variations and several employment references that were not mine. There were  XXXX  collection accounts reporting that belong to someone else and also a public record. There are student loans, accounts from  XXXX   XXXX   XXXX ,  XXXX   XXXX  ( who does not have a license to collect debts in NY ) and   XXXX   which belong to another person. I have demanded that all these accounts be removed from my credit file immediately and the credit bureaus are not conducting independent investigations and are not removing these inquiries and accounts that are not mine.   How can a debt be verified as mine and it is not even my name nor referenced to my identifying info like my address? I have been diligently working on this sinc e  XX/XX/XXXX .       XXXX  is refusing to remove the name  XXXX  from my credit files and has my real name listed as an alternative name. I have sent them a copy of my driver license, birth certificate and social security card proving that my last name is  XXXX  and I have asked them to remove  XXXX  and any references to that name and accounts under that name from my credit file and they have refused to do so. This has been ongoing  for five mon ths and I am at a loss as to what to do. I have disputed these erroneous reports and information and they just do not care.

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 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. ().
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I originally was signed up for XXXX through my student financial aide representative at a private, for-profit university. When they switched over to Navient, I had just recently finished my degree and had begun to make payments. Since then, I took a job in XXXX by obtaining a work permit. Since I 've moved up to XXXX, it has been incredibly difficult to pay my loan payments on time. I 'm now being paid solely in XXXX currency, and have been wrestling with a tough conversion rate as well. The main problem, however, comes in the fact that they make it very difficult to pay using XXXX currency. I have been told many different things by different representatives at Navient. The most often recommended route is to get cashier 's checks over the border in the US, and then pay to mail them in every month. To me, this is an absolutely unreasonable request. This has forced me to borrow money from friends and family 's accounts in the US to pay for my loans, and has become an impossibility. This has caused me to miss payments and caused hits to my credit. Overall, the process seems overly-difficult and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my XXXX XXXX and noticed that my equifax report had incorrect information that I have been contact them nonstop about and I would like the false items removed because they are not mine nor did I authorize these transactions. 
Collection Agency XXXX XXXX XXXX XXXX XXXX {$1400.00} openedXX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks --

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: We live in a FEMA declared federal disaster area in Louisiana ( Flood ). Was told by Ocwen, the company that holds our mortgage, that we could enter into a loan modification program set up for everyone effected by this disaster to help them get back on their feet. The plan was we did not have to pay our monthly mortgage for 6 months, and that the amount would be added to the end of our loan. We asked if this would affect our credit in anyway, and were told no it would not, so we agreed to the plan. Fast forward ... went to buy a new car and found out Ocwen reported each month as late/not paid! Contacted them via phone and was told they did not report anything negative on our credit, even as we looked at the credit report printed by the car dealership and read it to them to prove otherwise. Furthermore, today we went to our bank XXXX to see if they could help us by taking over this load and we deal with them, they said yes, until they pulled the credit and found out Ocwen 's reporting took our good credit of XXXX and dropped it to XXXX!!!! So, this company that was willing to help their customers in the flood disaster, then turns around and screws us! We have spoken with them several times over the past two weeks, each person has something different to say/lie about, and none of them are on the same page with information. Also, they lied about adding the payments to the end of the loan, and now expect us to pay a double note each month for the next 6 months of {$2000.00}!!!!! AND will continue to report to the credit bureaus each month as delinquent!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (I do not know) with Carter-Young, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Im being harrassed about a debt i did not owe to the original creditor. Ive asked them to stop contacting me and to remove the derogatory mark from my credit report they have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Federal student loan) with Windham Professionals, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a valid student loan account with the Department XXXX. I sought to consolidate the debts and filled out an application to see which loans they would include in the consolidation. They would not tell me until I filled out an application. After Filling out the application I wanted to compare their offer with other options. They informed me I had fifteen days to cancel the consolidation and that I would never again be able to consolidate these loans. There was much discussion at which point I had to cancel the consolidation because the terms offered were unfavorable and unreasonable. They instead went through and consolidated the debt under unfavorable terms. They even continued accepting payments under the old terms and did not apply the payments towards my loans. I had no reason to suspect they had in fact consolidated my loans until it was too late and they refused to fix their mistake. They still refuse payments and refuse to comply with the terms of the loans I took out. I have multiple documents and notes I can submit for this issue. I need you to tell me which ones are relevant and what you need. Please contact me to discuss. Windham Professionsals is XXXX multiple companies that are either trying or have tried to collect on what appears to be the same debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Rewards

Complaint: I have a credit card that I use to collect reward points to put toward cruises. In XX/XX/2016 I cashed in XXXX points toward my prepaid gratuities on an upcoming cruise. The cruise line never received the funds for the gratuities. I have been trying to get this fixed since last XXXX. I have been told something different by every person I have spoken to. Twice I have been " escalated '' to management but no one from management will speak to me. Today I got an email from my cruise line that there was {$140.00} extra to pay on my cruise. When I questioned why I was told it was because this same credit card company has denied the points I have previously cashed in and demanded a refund from the cruise line. I received no communication from the credit card company about this. When I called my credit card company again I was escalated to management but have received no return call. I am now going to have to pay {$190.00} for gratuities that I should not have to plus another {$140.00} that I have already paid because of the credit card company. I have a case number of XXXX for my requests for the points to be returned.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is in regards to TD Auto Finance reporting on my credit files. TD is reporting inaccuracies on my files. This account is closed and have been closed for over 2 years, yet TD is reporting this account as open. Also this is a charge off and in the payment status TD is reporting it as Charge off/Collection. According to the Fair Credit Reporting Act this is only supposed to be reported as a charge off and not as a charge off/collection. Another issue is that the amount that is being reported is incorrect. This account is closed and TD recently increase the amount of the charge off which is not accurate and TD can not increase this according to State and Federal Law. Also I want TD comments on this account to be removed from my files. According to the Fair Credit Reporting Act I can have any comments on the accounts on my file remove. Therefore I want all TD comments in the Remark Section to be removed Immediately. To this date I still have not received my  personal properties from TD Auto, and also TD has sent me a letter stating that they were going to reduce the amount by {$400.00} after I filed a complaint through Better Business Bureau. So how is it that TD make this promise and never fulfil their promise. This is another act of deceptive practice by TD Auto. I have to pay over {$1000.00} to replace my belongs that TD Auto, and whoever acted on behalf of TD fail to give me back. Now I contact XXXX so that they can investigate this account, and they are telling me they cant investigate it. Now according to the fair credit reporting Act Credit bureaus are supposed to investigate any information a consumer challenge on their credit files. Now I want TD to fix their errors on my credit Files, and XXXX to fully investigate not partially, but in whole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Mortgage (Conventional home mortgage) with Blue Brick Financial LLC (UT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Received an advertisement in the mail from this lender that is obviously not true and not in compliance with full disclosure. They are advertising NO CLOSING COSTS. This advertisement is misleading and false, because the closing costs are built in to a higher interest rate. The consumer is still paying closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A debt collector left a message pertaining to me, on my parents answering machine, whom do not live at my address, are not legally responsible for me, who do not have the same phone number as me, and who does not need to know my personal, private, business. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: my money transfer in western union can not be process..kind help so that they can continue the transfer processing..the mtcn was XXXX and sent to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I purchased a ticket on XXXX XXXX using Reward Points from my Visa Signature card, issued by XXXX   XXXX  / Bank of American. My travel was interrupted by Hurricane Irma and the final leg of the flight, from XXXX to XXXX, was cancelled. Four of the people I was traveling with request refunds through the credit card with which they had bought their tickets and received a credit on their card within a week. I was told by the travel department of Bank of American ( Signature Rewards ) that since I had used points, rather than paying cash, I would have to contact XXXX directly and have them refund the money to Bank of America, who would then credit me with the appropriate number of points as a refund. I agreed and contacted XXXX. On XX/XX/XXXX. XXXX processed my refund to Bank of America for {$72.00}. ( I have an email to that effect from XXXX. ) Since Bank of America had told me to re-contact them when the refund had been sent, I did so on XX/XX/XXXX. The representative said that she was inputting the necessary information to have my account credited. I waited two weeks, beyond the time the represented said would be necessary, and checked my account. Nothing had been credited. I called XXXX XXXX XXXX Travel again today and was kept on hold for over 30 minutes in an attempt to speak with a supervisor. The rep I was in contract with could do nothing to help me, By the way, here is information from the Travel Center regarding my ticket : Travel Center booking number : XXXX At this point, it seems like even though this is a small amount -- I really do n't know how many points should be credited -- I would like to see a better response from the travel department / rewards program. I suspect the response would be just as bad if a larger amount were involved, and, as a consumer, I really do n't know how to continue to address the issue, short of this type of complaint. My name is XXXX XXXX XXXX and my home phone number is XXXX. Please contact me if you need more information. Thanks you.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This complaint is about Equifax. At some point in the past, a bankruptcy ( chapter  XXXX  or  XXXX , I ca n't remember ), appeared on my Equifax report. I have never filed bankruptcy. This TANKED my score.     I have submitted request after request to dispute this information off my credit report, however they did not listen after multiple attempts. Frustrated, I looked up on  XXXX  as to whom it could possibly be, most likely 'someone with a similar name ' given that the bankruptcy was being reported in  XXXX   XXXX  GA.     In the attachment, you 'll see the Intelius results for another individual with my EXACT SAME NAME who lives in  XXXX . The first, myself, is listed in  XXXX  because I worked briefly for a company called  XXXX ,  XXXX   XXXX  from   XXXX   to  XXXX  which was based in  XXXX   XXXX  GA. I worked for them FROM HOME (  XXXX , WI  )  as a telecommuting employee, as did MANY others. There was another employee who lived in  XXXX , WI,  XXXX  guy in Texas,  XXXX  guy in  XXXX , a few in other places around the world. We all had our specialty and we all kept regular business hours and communicated via  XXXX .     For whatever reason, some public record crossed with this individual who is associated with  XXXX  University or health care for some reason. I have never been involved in that industry. This individual most likely declared bankruptcy, and it was reported on MY credit report.     At any rate, Equifax has refused to do anything about this. They keep verifying it is accurate, despite me writing them, emailing them, calling them, submitting disputes, and finally it 's come to this. I am FED UP with them, as I have not been able to acquire decent credit for a substantially long time due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: This company called XXXX have a account in my name reporting on my credit file with a balance of {$580.00}, the company is not complying but I have asked The reporting agency to properly verify the account because the original creditor as failed to supply information..The credit bureau keeps verifying the account with no proof, or verifiable proof ... but since the creditor wont comply I expected credit bureau to delete the account because .... its indentity theft ...

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 04/21/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: An unauthori zed Personal Line of Credit was opened by Wells Fargo. The y were contacted, admitted fault over phone, closed account, and opened another unauthorized line of credit. It is char ging 8 percen t interest and deducts {$65.00} out of my account automatically without authorization.   They have been contacted over the phone and in writing but will not resolve the problem.

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 monetary relief
Consumer complaint received 05/18/2017 about Debt collection (I do not know) with Omni Financial Group, Inc (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I  XXXX   XXXX    XXXX  . According to my credit report this loan was opened  XXXX   XXXX    XXXX  . The original loan amount was  XXXX , and now it shows  XXXX . I did not take out this loan considering i was  XXXX  to  XXXX . Neither did my spouse. I ca lled Omni fin ance of cali and they said they no longer have this account and it was given to    XXXX   XXXX  . I called   XXXX   XXXX   to get proof of my getting this loan, i.e. signed documents and i.d . used and they say they can not provide this documentation. They said i have to ask omni of cali.   XXXX   only provided a typed pap er with my name on it and the amount, no signature or social or anything. Anyone can just type a piece of paper. Omni of cali refuses repeatedly to provide any documentation. Calling both companies repeatedly has resulted in the same problem, nobody can provide this documentation. I disputed with  XXXX  several times and they said if omni said it 's valid then they take their word on it. This is not ok in any way whatsoever. If you can not provide any signed documentation and the id used to get this loan, then take it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: Coinbase took away {$6500.00} from my bank account on XX/XX/XXXX and told the fund will be available by XX/XX/XXXX in their platform. However, I just received a notice that they are closing my account due to unexplained reason and asking me to confirm the closing of account. In their notice, I do not have any pending deposit while Coinbase clearly removed {$6500.00} from my bank account. I need my money back asap before they force me to close my account. I contacted them through emails several times as well as phone but they do not respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: After weeks of applying, XXXX with XXXX from which my mortgage was transferred to Nationstar, I was approved for a loan modification. First, my mortgage total amount was increased by approximately {$20000.00}. from the original amount. I thought that the modification was for the life of the mortgage, however, my mortgage payments have increased by over {$250.00} since it 's inception.and is scheduled for yet another increase in 2016. Once the increase was supposed to be for escrow shortage even though the expenditures had been met. When I try to reach the bank for clarification, the connection is dropped and clear and direct answers are never in writing. I have not missed a payment in five years, however I am besieged by by calls as early as the XXXX until the payment is posted. Since XXXX of the qualifications was that you have to be in foreclosure, shopping around for a less predatory and transferring my modification is not an option. What other options are available to me? I am a senior citizen who is retired and became XXXX about XXXX mos. ago. Because of the initial increase, my house value has been under water for the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (MD).
Issue: Application, originator, mortgage broker

Complaint: Our XXXX County Maryland XXXX Department said that they never received information from GMAC Mortgage that our mortgage was paid off in full so that the release of lien could be recorded. We have a letter from GMAC Mortgage dated XXXX XXXX, 2001 stating that the mortgage had been paid in full & that the necessary release documentation for the property was in the process of being completed and being sent to the county XXXX office. We have not been able to contact GMAC. Until the County XXXX XXXX office receives documentation, our property will continue to show a lien against it which will continue to create problems in acquiring credit or selling our property.

Company response to consumer: Closed with explanation