milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2016 about Credit reporting () with CITIBANK, N.A. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a Best Buy CC since XXXX/XXXX/XXXX but destroyed the card. I purchased a TV for my daughter around XX/XX/XXXX. /XX/XX/XXXX on the phone and used the account by them looking it up. I was paying on the account monthly. I was being stalked at the time and had moved several times. I had a brief relationship with a man until I realized he was not safe. On XX/XX/XXXX while my daughter and I were out for holiday he broke into my home, hiding behind the bedroom door he attached me with a phone cord trying to strangle me. It took XXXX police officers to pull him off of me. I suffered a XXXX, XXXX and XXXX, I lost my job and it took months to recover. I maintained the account paying a minimum balance. Just before moving to XXXX for our safety I realized a laptop had been purchased on the account. Not changing my address through the XXXX XXXX, I month after month contacted B.B. directly to change my address, given their C.S. reps. my inform, yet it never changed. Each time I called I would ask them to verify the new address and give it again. In the 5th month of calling, I asked to speak with manager and was told by him it was " a courtesy to receive a statement '', I said they were incompetent. After the assault I moved from the address they had on file. B. B. raised my minimum pay. and I did n't know that with out receiving the statements so it was sent to collections. In moving back to XXXX. after the man was in jail, I spoke with collections, wrote out everything sending documentation. I know the man that tried to kill me purchased the laptop on my account. I received a letter from B.B. stating I won my case, they would remove the purchase, all fees and penalties and repair my credit in 3 months. I heard nothing from them again for months until recently when called by another collection agency. I was told they sold it to them and now want me to press charges against the man for identity theft ; I refused. He will soon be released and when he does I will not run for my life again over a {$650.00}. laptop. How can this be? The letter states that after investigation they removed disputed charges and any related fees and interest. I am uploading the document sent on XX/XX/XXXX. I have spent two years recouping from this ordeal and they have added undue stress to my life and ruined my credit. Please I need your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Ban  kruptcy Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems due to the Fair Credit Reporting Agency Privacy Law.
On   XXXX   XXXX  , 2017, I sent certified letters to the  XXXX ,  XXXX , and Transunion asking for documentation of validation associated with the bankruptcy.
To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that   the bankruptcy is in dispute.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I saw a news story ( XXXX ) on XX/XX/XXXX about navient ( XXXX ) and to file a complaint if you are effected by them. I have been paying navient for almost 15 years. When interest rate for student loans drop to an all time loan, many people refinanced their student loans to a low interest rate. I contacted XXXX XXXX at that time as well and they told me I could not refinance because their loans only allow " XXXX '' refinance. I graduated in XX/XX/XXXX, I consolidated my student loans and refinanced it to that time ( XX/XX/XXXX ) rate given to me. I have been paying my students loans for 15 years at a high interest rate higher than many others because they will not let me refinance it to the lower rate. I owe approximately {$30000.00}, I have been paying approximately {$500.00} a month for over 5 years, and overall been paying on my loans for over 15 years, and I still owe {$30000.00}. According to my statement I will be paying {$500.00} a month for 10 more years. This is the same as my car and car payments, however I will have my car payed off in 5 years, unlike my student loan. My house loan interst is lower than my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Payday loan debt) with Debt Management Partners LLC (CO).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: on  XXXX / XXXX / 2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt b eing turned over to collections before. I Was home all day the next day and no one showed up. Called my county c lerk and no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX / 2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX /   2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX / 2017   XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  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 07/28/2016 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: WE fell on hard times with our business, we asked flagstar to give us a lower payment, or sometime to recover, instead they kept us in a crazy loss mitigation for more than 1 year, and instead of lowering the payment, they made it almost {$1000.00}. more because they added all of the back payments, interest and late fees. 
We love our home, we are trying to get back on our feet, but now we 're 4 payments behind again, and we 're now trying to sell the home because we ca n't take the XXXX anymore, but the mortgage is now so high that I ca n't sell it for what I Owe. 
Flagstar did not help us they, are preying on us and the fear of foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was a victim of indentity theft in XXXX of 2017. Someone has made several attempts to obtain credit in my name. I reported this to Transunion and they refuse to assist me in getting these hard inquires removed from my credit report and it is effecting me negatively as I am in the process of trying to buy my 1st home.

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 04-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In approximately XX/XX/2015 I contacted Navient and requested the total amount due to bring my account current. The Navient representative provided me with a specific sum that needed to be paid to bring the account current. However, the information given to me was wrong and I was not advised of this fact until approximately 3-4 months later. At that time a different Navient representative advised me that I was given the wrong amount due XX/XX/2015 and that for the past 3-4 months I was past due and would be reported to the credit bureaus. Essentially, I relied the the Navient representatives representation to my detriment. This detrimental reliance caused me to suffer financially and has now directly impacted my FICO score and my ability to refinance my home loan. It is noted that this is not the first time that a series of actions like this have occurred and in fact this occurred approximately 3 times with Navient 's predecessor XXXX XXXX. The worst part is that Navient acknowledges that they made a mistake but takes absolutely no responsibility in remedying the problems they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I pay for credit report access from Experian. They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free  credit score inf ormation. It said my  XXXX   XXXX  score was  XXXX ,  XXXX   XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to the none of the aforementioned  permissible. Please remove them. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXXXXXX XXXX, IN Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX XXXX XXXX Inquiry : 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 01/28/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America and their cohorts, specifically XXXX XXXX XXXX XXXX ( XXXX ), have failed to comply with applicable laws as stated within the XXXX XXXX, XXXX Trustee 's Deed referencing the subject property allowing for the lawful sale or transfer through Trustee 's Sale at public auction to the highest bidder on XXXX XXXX, XXXX. Any such public representations to full compliance with applicable laws are not negligent, but fraudulent as the Trustee, servicer, and bank have indicated full knowledge of relevant laws and are required to be knowledgeable of all proceedures and rules related to the loss mitigation and workout processes including, but not limited to, the modification and foreclosure processes. 

Due to the fact the Substitution of Trustee was recorded on XXXX XXXX, XXXX, the same date the Notice of Default ( NOD ) was also recorded, there is no possibility whatsoever the required pre NOD outreach could have been completed allowing for the NOD to be recorded signaling the public start of the foreclosure and property separation process. 

Due to the fact there were multiple pending escalated cases opened prior to the sale date that were unresolved on the date of sale and no suspension of sale had been caused by the bank, the servicer, or the trustee thereby allowing for the sale to be postponed and not completed under a cloud of lack of authority and legality. It should be noted a party may suspend the sale without agreement, consent, or prior approval of the other interested parties if they so choose. If should be noted if no improper sale occurs, no injury or harm may be had or caused to me or any bidders on the subject property. 

All previously mentioned resolutions are desired and mandatory and must include Rescissions recorded for all documents recorded on XXXX XXXX, XXXX and thereafter related to the subject property.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Step 1 : What is this complaint about?
Hard inquiry on my credit report. I did n't make any credit requests.
Step 2 : What type of problem are you having?
Unauthorized hard inquiry.
Step 3 : What happened?
Unauthorized hard inquiry.
Step 4 : What company is this complaint about? 
Syncb/walmrt XXXX, FL XXXX XXXX XXXX XXXX XXXX Step 5 : Who are the people involved?
Myself. XXXX XXXX & Syncb/walmrt

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 05/17/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (AR).
Issue: Fraud or scam

Complaint: Hello my story is simple. A female called Netspend ( a debit card ) company and had my card cancelled. Then had a new card sent to her address. Yes she had my personal info saved on her computer. Something I did n't know about. she was able to change security questions, user name, password etc. I was able to prove that was n't me who called. So the card sent to her address was cancelled and I was issued a new one. I did a police report and contacted credit bureau. I need proof she is the one who did it. So I called Netspend to send something anything showing all the notes on my account. They said no can do. So guess what. the lady will not be charged. No she was not able to spend any money but she still stole my identy to have a new card sent to her address. All I want was a print out of my account activity. I could n't get any help. All I got was I 'm sorry. Well I 'm upset just do to the fact that she know she got away with it cause I had no proof. Now she see. Me and smile or laugh in my face. I do not trust any debit card companies any more. I know it 's not their fault but aleast i could have gotten a little help just so she be punished for something. No I 'm not wealthy so I was not able to get a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name spell on the credit report is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MD).
Issue: Confusing or missing disclosures

Complaint: I went on vacation to XXXX from XX/XX/XXXX to XX/XX/XXXX and when I got back CoinBase froze my account that had XXXX Ethereum coins worth roughly $ 55k at the time. When I found out they froze my account, because of my vacation I received a notice to submit my proof of residency and proof of citizenship. I tired emailing on XX/XX/XXXX with no response. There is no phone number to call. I tired submitting a ticket and provided all of the  required information. It has been over three weeks now and I have not received a response from the company. Over the last three weeks my account value has dropped significantly from $ XXXX. CoinBase has already cost me many thousands of dollars, please help me regain access to my account. I was planning on using the funds to replace the roof on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Prepaid card (Gift or merchant card) with WELLS FARGO & COMPANY (NJ).
Issue: Fraud or scam

Complaint: In light of the Wells Fargo scam I want to address the fact I was scammed for employment through XXXX in an offer to be a secret shopper. I had just lost my job and the money I lost was a mortgage payment. 

This was all in conjunction with XXXX prepaid cards that loaded funds through Wells Fargo accounts that I found were flagged and should not have been processing " bad checks '' on fake accounts. 

When I originally inquired about a {$3200.00} check I received, I found all it was all connected through false checks. After filing a police report and visiting my local branch and finding this Wells Fargo account was flagged after the check was cashed, the bank manager even said nothing should have been processed with all the flags on this particular account. 

I then wrote Wells Fargo CEO XXXX XXXX who just stepped down over the revelation of fake accounts only to hear sorry you were the victim of a scam. 

The branch knew that check should of have never been cashed because of all the notes on it and proceeded to cash it anyway to take funds from unsuspecting people thinking they were gaining employment. I would like to receive my reimbursement since this scam has come to light and I have every stitch of paperwork to back it all up. Thank 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 explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: On   XXXX   XXXX  , 2017, I called Consumer Services Early Warning Services about receiving my report and placing a security freeze on my report. They told me they do n't do security freeze even though they are a reporting service. This is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated phone calls covering XXXX years for a person named XXXX XXXX, who apparently had my phone number previous to me. 
The agency goes by the name of Receiver Performance Management. Their phone number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX I contacted XXXX XXXX and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for XXXX XXXX relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a XXXX XXXX victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} XXXX relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted XXXX XXXX XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My business landline rang but no one was on the line from a number listed in California. I called it back but it rang to a recoeding that someone was trying to contact me. I then received a call on my business cell phone and it was ERC trying to confirm my address I immediately told them they were not to contact me at work and that I was a victim of identity theft multiple times. This afternoon I received more of these harrassing calls where no one was on the line and when I called it back turned out to be ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief