milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Struggling to pay your loan

Complaint: I took out a loan about a year ago to pay for my rent, cause my check was a little short. Couple days after I got into a car accident, which I had to put all my money towards. I had to decide what bills were more important. I actually kind of forgot about the debt while going through therapy, until I started getting harassing phone calls from so many different numbers, at all different types of hours. Sometimes it 's  XXXX    XXXX   XXXX   XXXX    and my fone will still ring. Unfortunately a year later I 'm still unable to pay them back because I 'm still financially recovering from the accident, plus they keep adding these crazy interest rates. This morning I got a phone call stating that they 're going to file a civil suit against me if I do n't pay. I 'm the one that owes them, but this HARASSMENT HAS TO STOP, I ca n't take it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Many unauthorized inquires were disputed. Inquiries were removed but were recently reinserted on my credit report negatively affecting my credit score. I have called transunion and fought to have inquiries removed. Transunion will not delete inquiries even though they were unauthorized by me.

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 11/28/2015 about Debt collection (I do not know) with Synergetic Communication Inc (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continued to be called incessantly and at all hours by various representatives of " Synergetic Communication, Inc '' with a " Settlement Offer '' of {$410.00} on a " Current Balance '' of {$740.00} with XXXX. I do NOT owe XXXX, " Synergetic Communication, Inc '' nor anyone connected with either firm ANYTHING!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There was a XXXX XXXX XXXX Student Loan which I took out on X/XX/2013, which was paid in full. 

Status : Paid in Full Owner : XXXX XXXX. XXXX XXXX. 
Grantor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX This account which is paid in full and closed is incorrectly reported as Delinquent and 120 days late through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I contacted XXXX XXXX about a transaction for XXXX that I did not make they told me the would look into it and take care of it. I contacted my local police department first to report the card missing/stolen. I then contacted XXXX XXXX and was told the above then a few days go by and I was told that they said after there review they can not refund me. I have requested to reopen the case and also requested any documentation supporting there decision and all they have done so far is reopen the case. I am still waiting for them to provide any documentation they may have. The bank is XXXX XXXX  witch is XXXX XXXX or XXXX I have been sending message after message to them with no response. This transaction is not part of my spending habits and I thought my bank stated they monitor your spending habits to prevent fraud because they have stopped transactions for XXXX $ or XXXX $ from the same store for me witch was actually me making them but when it came to a almost 1000 $  purchase they do n't block it and do not help me get my funds back. I am also on top of this claim submitting one to the Board of Governors of the Federal Reserve System. Anything you do for me will be of great help. Thank you. Also this was a international charge on top of everything else! And I have never made one before.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This has been going on since   XX/XX/XXXX . The loan just keeps getting larger and larger. I was set up with a 20 year repayment plan. That on  XX/XX/XXXX  w as told by nelnet servicer that it has started again. I still have 20 years to repay a fraudulent loan and it 's at  XXXX  now. This is abvously a scam I do n't intend to pay and rightfully should not. I 'm tired of the harassment and billing. I do n't trust the school or the servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (Medical debt) with Designed Receivable Solultions, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This XXXX debt was issue incorrectly as a results of extreme mess in the paper work in the office internal XXXX information, and added as an extra service wich one has been not provided for me because luck of XXXX. Is not true because I have XXXX PLUS XXXX + XXXX and this service never change since I 'm on XXXX. 
They overcharge me XXXX wanted to XXXX me off, but I always had insurance and I will NOT  pay this XXXX amount. 
I already also contact XXXX regarding that incident back from XXXX. I also never has been threated in XXXX - XXXX XXXX XXXX and I never go there after this incident. 
Please make investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Credit card debt) with Total Card, Inc. (SD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Credit card / Identity theft / Fraud / Embezzlement / I have been a victim of fraud and Identity theft. I have reported it to credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I have missed 3 days of work to go above and beyond what this company is wanting. The company is Total Card Inc. at XXXX XXXX XXXX XXXX XXXX, SD. also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have sent a passport, proof of address, birth certificate, license and have had to get these items notarized and filed a police report and had to go down and have it re done because they did not approve it.. They are now stating they do n't have my social security card. I lost it in high school so I went down to the ss office and waited for 6 hours and my name was still not called and once again had to take off work. Now they tell me I have 10 days to pay or my case is closed and I am responsible for the charges. I cant keep missing work for this XXXX debt that is clearly not mine and I have exhausted all efforts to prove this. I have never opened a credit card with these people at all. They have to stop this. The criminal who opened the card did n't even have to go through all of this. They opened up a card on my social only. They did n't even verify an address.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient manages my student loan since taking over from XXXX XXXX. 
My loan increased from approximately {$60000.00} to over {$120000.00} due to the crooked devious stonewalling tactics of Navient and XXXX XXXX including : -created obstacles to repayment by providing bad information ; -loan payment of over {$1200.00} a month ; -illegally claimed my loan was in default destroying my credit rating when in fact it was in forbearance : ; hiding access to income based repayment plans to increase unpaid interest accumulation on outstanding loans ; -denied receiving application forms and documentation asking for forbearance because I did n't know income based payments were available, -failed to act when I complained to Navient, XXXX XXXX AND their crooked XXXX ombudsman ; and illegally cheated me a struggling borrower out of their rights to lower payments, which caused them to overpay for their student loans. 

I have a stack XXXX inches thick of evidence since XXXX against Navient and XXXX XXXX showing how they lied, cheated me and stonewalled. Copies of what they did to tank my XXXX XXXX. Letters to the Attorney General of my XXXX, the XXXX, the XXXX XXXX XXXX. Most notably I have copies of correspondence from the worthless XXXX XXXX, Office of the Customer Advocate at XXXX XXXX, the worthless XXXX XXXX, XXXX XXXX XXXX XXXX at Navient and the worthless Ombudsmen at the XXXX Ombudsman XXXX XXXX XXXX -- all of whom refused to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Credit card debt) with ASG Solutions LLC (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: ASG Sollutions called my husband ( first  time ) and said that on Friday he is going to be served papers at work if we do not pay our balance due.   I offered to make payments and tried explaining to her that I had  XXXX  and then was involved in a very bad accident and I can no longer work, our  XXXX   XXXX   XXXX  daughter lives with us and we are responsible for her as she can not work due to   XXXX   XXXX   (  XXXX ,  XXXX ,   XXXX   ).   I tried to explain to her that my husband is the o nly one wo rking, we are behind on our other bills as well and we do not have the means to repay this debt at this time unless they would accept  XXXX  month ( we owe  XXXX   ) She refus ed and said it has to be  XXXX  per month for 6 months and they have to have my bank card number to automatically take it because they " do n't trust us ''.   I told her if we had to pay that amount ( which we can not ) that I would not be able to buy food and she said " You should have thought about that ''.   I do n't know what to do, I asked her repeatedly not to go to my husbands job or he will be fired and she said they can go anywhere they want and use any means available to get their money.   She also said that once we are sued they will garnish my husbands wages for over  5,000.00 with all   court costs and things included.   I try to reason with her but she gets very loud and just talks over me.   WE NEED HELP as they are going to my husbands job o n   XXXX  / XXXX /2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have XXXX different credit scores with Experian Credit Reporting Agency. I recently signed up for one of their credit monitoring products and they gave me my FICO score of XXXX but when I went to apply for a mortgage they stated that my Experian credit score was less than XXXX how could that be.My score should be XXXX score rather good or bad based on a consistent industry standard system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I personally closed ALL my accounts with Bank of America XX/XX/XXXX and relinquished all my Bank/Visa Cards to the customer service representative for disposal. There were no transactions on my credit card as of XX/XX/XXXX. I have still been receiving monthly statements for interest-upon-interest ; I called Customer Service and they confirmed ALL accounts had been closed. I no longer have access to the account. On XX/XX/XXXX, I called a number on a Bank of America email received and spoke with XXXX XXXX in Collections, advising me they were about to Charge Off the amount to my Credit Report! This is when I first discovered two charges each for {$99.00} from XXXX, XX/XX/XXXX and XX/XX/XXXX, one charge which was reversed XX/XX/XXXX. I no longer used XXXX XXXX however the Billing Dispute person XXXX stated I wasn't allowed to open a dispute and if a preauthorization from 10-years prior was presented on a closed account, they could open the account and process it. I told her that was fraud ; she rudely responded she had a business degree and had the right to do it! I asked to speak to a supervisor and was connected to XXXX XXXX, he spelled out his last name and proceeded to give me the same spew, telling me I wasn't allowed to open a Billing Dispute. I asked for his Supervisor, XXXX XXXX XXXX, ( XXXX ) and left a message and my number, however he never returned my call. I called XXXX and they immediately refunded the second amount {$99.00} which was processed XX/XX/XXXX. I called XXXX XXXX XXXX again and left another message with all the details, emailed the XXXX Receipts, but haven't received any acknowledgement to this date, XX/XX/XXXX. My account was submitted to Charge Off and the Bank of America actually has a credit on my account that they have not tried to refund to me. They are still sending me statements on a closed 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 monetary relief
Consumer complaint received 05-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015, I sent Experian a certified letter requesting that they investigate information on my credit report as the information is outdated, inaccurate, and or does not belong to me. Experian signed for the letter on XXXX XXXX, 2015, to which I advised them that they had 30days to investigate my request and respond accordingly. On XXXX XXXX, 2015, I sent a follow up letter to Experian in which they signed for on XXXX XXXX, 2015, which i advised them that 30 days have past and i have not yet received proof that they have validated the information. I advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit, bureau, I requested that they immediately delete the information from my credit report. As of this XXXX day of XXXX, Experian has not complied with my request, which is a violation of my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Trouble during payment process

Complaint: My mortgage loan is being transferred from CitiMortgage to XXXX XXXX XXXX ( dba XXXX XXXX ). I understand that the current loan provider is required to provide 15 days notice prior to the effective date of the transfer -- this was not done. CitiMortgage sent a letter dated XX/XX/XXXX as notice that did not arrive via USPS until XXXX XXXX for a transfer to XXXX XXXX effective XXXX XXXX, giving insufficient time to establish an online account for the XXXX XXXX payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Purchased car XXXX XXXX, 2017. Received first statement dated XXXX XXXX from Bank of America and made payment in full. Received second statement dated XXXX XXXX with a payment due date of XXX. XXXX. The latest statement shows an amount due and shows a {$0.00} past due amount. I have received several calls a day for the past two weeks advising me the loan is delinquent. I requested a supervisor who told me the issue is that the loan was incorrectly processed and needed to be back dated. I requested a statement with the correct balance and asked that the online web site also reflect a past due if this is the case. Nothing from BOA. Received another call telling me loan is past due and will go to collections. I have requested BOA send me a correct statement and stop requesting money without putting it to paper. I also asked they stop calling me morning, afternoon, and evening. The only thing they have used to support the loan being past due is by phone. Nothing in writing or on a statement. I have attached my current statement showing {$0.00} past due. This loan was backdated and they are attempting to cover something their mistakes. I believe this is the reason they refuse to bill me on paper and only verbally request payment.

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 08-01-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: Someone in XXXX apparently contacted XXXX and used my credit card number to subscribe. I do not know how they got the number because the card was not out of my possession. 
Chase Bank contacted me via computer telephone message telling me that I owed about {$60.00} or some such amount. I then followed prompts to speak with someone at the bank. I told them I knew nothing about why I would have any balance because I had not used the card for years. They had also tacked on late charges -- since I never received a bill of course I had not idea that any money was owed. I contacted XXXX after being told that the charge for XXXX. They told me that someone in XXXX had given the number. They asked me if I knew anybody in XXXX. Never been there and never known anybody from XXXX. 
Finally at one point Chase admitted the charge was fraudulent but they had not removed the late charges for the unpaid bill, a bill I had never received and had no way of knowing that someone in XXXX had used the number. 
A couple more phone calls to Chase did not resolve the number. The last time I was switched to XXXX different people becuase nobody could remove the late fees on the fraudulent charge. I have spent several phone calls and many minutes, all because Chase is not willing to remove charges, even after they admit them to be illegitimate,. This organization is unlike XXXX XXXX or XXXX XXXX XXXX in dealing with fraud issues. Never have I been treated so shabbily because some merchant accepted my credit card number for a fraudulent charge. IThis company does not deserve my business but I have heard that closing an account such as this will lower my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: the servicer for my mortgage Nationstar Mortgage has given XXXX to Service instructions to commence with a sale date of XXXX/XXXX/2015 without my knowledge, my knowledge while I am in the Modification process, this is totally illegal. nationstar has been a " nightmare " to work with. they have been giving me the run-a-round for months, with the same XXXX for months. I get phone calls once in awhile, which I respond to but they do n't leave a message often, I happen to check my calls. 
alls. It 's the same story, they did n't receive certain info, could n't read some forms, different Reps working on my packet and never calling you back until they feel like it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have disputed and asked transunion credit bureau to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to provide me proof, such as, my signature on this, they did n't and could n't provide me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report. i need validation of my signature and the credit bureau is refusing to provide validation, i need this fix asap. pls help me. 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