milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I spoke with XXXX XXXX, and unscrupulous representative for the above collection practice. He threaten me on three different occasions stating that the item would hit my credit and my credit would drop XXXX-XXXX points. My response was " Sir please do not threaten my credit. His response was. " Its not a threat its an assurance. '' The Irony of this story is that I called to establish a payment and was met with these threats. 

XXXX then stated that he would notate the account as a refusal to pay and that it was too late for me to make any payment and best of luck to me and then hung up the phone. There was no refusal to pay, and I just received notification of debt days ago. I must have 30 days to validate and or dispute any debt. Note that it is against Fair Debt Collection Act for abusive debt collection practices to engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My student loans are in default. I have entered into a payment arrangement with  XXXX , the collection company for the loan issuer. Th e   XXXX   XXXX   XXXX   tells me  they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to chang e ( the default ) h owever, they should have to report my payments and show that I am trying.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I took out a refinance loan from   XXXX   XXXX   XXXX   (   XXXX   ) to pay off   XXXX   of  XXXX  of my federal direct student loans serviced by Navient. The loan was funded on  XX/XX/XXXX /17, and Navient indicates the payment was processed on  XX/XX/XXXX /17. The payment from  XXXX  to Navient was made via wire transfer, with explicit instructions on which loans the payments were intended for. Navient applied the payment across all loans on XX/XX/XXXX /17. I called  XXXX  to confirm the payment was sent to Navient with those instructions on  XX/XX/XXXX /17, and they confirmed this. I called Navient to rectify this on  XX/XX/XXXX /17, and they claimed they would now apply the payment to the correct loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: NCB MANAGEMENT SERVICES for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through XXXX XXXX XXXX. This was written off in XX/XX/XXXXand and should have been removed from my credit report in XX/XX/XXXX. At that time NCB purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Today I have contacted legal advise in obtaining an attorney to sue the credit reporting companies for not removing an account that was opened up fraudulantly ( XXXX ). I obtained very important information from legal advise in regards to how many times I have disputed this information and requested to show me proof when and how I supposably opened up this account in 2012. I have allowed more than enough time to have this issue addressed. I advised the attorney that I spoke with ( XXXX ) from the fraud investigation department at XXXX and was told that this account will be removed. I still have not received anything in writing via mail that this fraudulant account will be removed from my credit reports. I have intent to sue if this is not resolved. Having this fraudulant account reporting on my credit reports is affecting my credit in a negative way.

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 08-01-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage is inaccurately reporting negative information on my account to multiple credit reporting agencies. I have previously disputed this issue and Nationstar has not made the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Transaction issue

Complaint: Capital One was informed on Tuesday that an improper charge was filed, XXXX times more that actual bill : {$21000.00} versus {$210.00}. Vendor confirmed it was {$210.00} on phone with Capital One and my engineering business. Despite reported fraud, capital One paid the entire fraudulent amount on Friday, wiping out my remaining credit, resulting in rejection of valid charges. After 5 hours on phone attempting to resolve, I was informed it was MY problem to recover my {$20000.00}. Of course vendor, a XXXX XXXX, is not returning either my or Capital One calls. I 'll be taking my business elsewhere and suggest others do as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I contacted this company last year in the hopes of settletling a debt, the representative threated to send an attorney after me. Today i attempted to call them again and the representative XXXX would not let me speak, he claimed he did not want to hear my sob stories, that those were my problems not his.

Company response to consumer: Closed
Consumer complaint received 11/15/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is related to CFPB case number : XXXX ( see attachment entitled : " CFPB Case XXXX '' ). In response to that complaint Nation Star Mortgage indicated in a letter dated on XXXX/XXXX/2015 that proof of insurance was received ( see attachment entitled : " Nationstar Letter Acknowledging Receipt of Homeowners Insurance XX/XX/2015 '' ). In a Nation Star Mortgage Statement dated XX/XX/2105 it is clear that the escrow payment for missing insurance was eliminated as a result of the CFPB case. However in the most recent mortgage statement dated XXXX/XXXX/2015 an escrow amount of {$640.00} mysteriously appears ( see attachment entitled : " Nation Star Mortgage Statements XX/XX/2015 '' ). I would like Nation Star to eliminate this mysterious escrow amount from my mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Company is Wells Fargo Bank in Maryland I called on XX/XX/XXXX to see if Wells Fargo could assist me with a problem I am having with a debit payment to a XXXX. The XXXX harmed me and did not provide the service I paid up front in full for with cash. They said they could reverse the payment and run an investigation. PAID - XXXX XXXX XXXX CLAIM- XX/XX/XXXX Money reversed around XX/XX/XXXX Money taken back out of my checking account XX/XX/XXXX Wells Fargo did not follow the procedures that are in place in handling a claim There was no letter mailed to me There was NO communication of any kind to me about the status of the issue I called about a month later and was told the XXXX has only a total of 45 days to respond and if there is no response the money remains mine. It was close to 45 days so I just let it go and waited. I did not receive any further communication and after 45 days, as I was told, understood the claim to be closed. Suddenly with out any warning, I receive a call about 2 1/2 months later at XXXX telling me the XXXX  sent in a response and the claim is open and never was closed. Of course, I was upset. At that time, XX/XX/XXXX, I requested all documents to be mailed to me for review. I was told that it is not allowed until the claim is closed. I informed the rep than how am I suppose to review and see what is going on? The call ended there because I could not get any answers or help. On XX/XX/XXXX I went out to dinner and tried to pay. This is how I found out my checking account was severely over drawn an amount of {$970.00}. Wells Fargo did NOT mail me any letter nor informed me at all about reversing the claim. This has caused me great suffering. I am in financial hardship. I have no money for food, gas, pay my mortgage and bills, nothing. I have been unemployed for 3 years and was surviving till I start my XXXX job XX/XX/XXXXafter 3 years. This is making me very ill and stressed out. I have made a plethora of calls all day for 7 days now and went into branches trying to get help with this matter. NO ONE CARES AND NO ONE HELPS. Wells Fargo continues now to send me over draft notices and threats they are going to charge it off, ruin my credit and report it to XXXX. Incredible. They will not listen to reason nor negotiate this and discuss it. They are bullying me. This is not ethical to do this and impoverish someone such as this. Please help me. I have until XX/XX/XXXX till this is written off and it further destroys me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are XXXX Capital one credit card accounts listed which I never had XXXX, my father whom past away XX/XX/XXXX had the same name as me and I had a business that was closed in XX/XX/XXXX I do recall XXXX account which was a business debt NOT personal. I need some assistance requested verification and validation nothing received.

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. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has divulged my information to hackers through their poor security. I used their website to verify whether or not my information may or may not have been compromised. The results of the investigation is that my personal information may impacted.
DATE : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Billing disputes

Complaint: Barclays continue to post that I have a charge off account and my account is paid in full never a charge off. I do n't owe any money and company wont send me a payment history just keeps saying I owe them. XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : 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 11-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Regarding Navient student loan payment ofXX/XX/XXXXof XXXX. I think it is unfair that I have to make this one payment of {$150.00}. The recertification period, starting on XX/XX/XXXX. I filled out the I.B.R. annual recertification on-line. On XX/XX/XXXX I received notice from Navient that they needed a copy of my paystub, which I mailed immediately. I do not have access to a scanner, so I had to mail document. Later I received notice that they needed further clarification. I then had to mail another paystub to them. These delays resulted in this incorrect billing of {$150.00} between the I.B.R annual zero-payments of XX/XX/XXXXand the current I.B.R annual zero-payments for the period ending of XX/XX/XXXX. Your help in resolving this matter would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with NAVY FEDERAL CREDIT UNION (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit union close my auto pay and my bills was not getting paid and the funds was in my account, so the company 's reported late payment to the reporting company, my credit card was XXXX, lost I-I lost XXXX XXXX account and XXXX be cause of the late reporting on my account, they would n't give me a loan to pay the debt off without a co signer, I am qualified for the loan my income is the same I cant get a loan no where because of their conduct and lie about their conduct their acts has cause me unreversable harm How do I sue

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2016 about Credit reporting () with Complete Collection Services Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I want to have this issue removed from XXXX and XXXX as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (MN).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank transferred by Health Care Savings Account Optum with no prior notification to me of doing so. I have $ XXXX that is basically missing with no knowledge of how to access these funds or ability to verify the funds are still in my name. 

The funds were removed from my XXXX on XXXX and I noticed on XXXX a XXXX balance in my online account. I acknowledge that when contacting Wells Fargo, they have a recording notifying customers of this transfer, however this is the first I heard of it and I did not have the ability to opt out of this transfer to choose an alternative source to manage my 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 explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: TD Bank opened a new credit card i did not ask fpr without my permission and without notifying me or my wife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: I was a victim of identity theft. a lot of accounts were opened in my name and it 's still been reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 about Debt collection (Medical debt) with Professional Bureau of Collections of Maryland, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hi ... I have been receiving notices and excessive amount of phone calls regarding the debt I already paid for 4 years ago. I did a XXXX procedure with no insurance and as been a cash customer I have given a discount of {$1000.00}, I have a invoice showing the discount and have sent them to the respective companies requesting for that same payment. My account was paid in full in 2014. I really do not understand why this amount has gone to the collections department when I have sent various letters and the invoice to show them that it was a DISCOUNT given by the branch I was been seen at. 

Despite providing everything I still receive phone calls daily and notices regarding the amount. Please help me to solve this ASAP.

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 08/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for a business loan with my wife who was the guarantor on it. She filed for bankruptcy in XXXX and discharged the loan. Now the loan is showing up on my credit and affecting my score, please take the loan out of my credit report. 
Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I was trying to find out if my personal information was breached from XXXX. I Called Equifax and took all my information again and told me to sign up on TrustedID.com and told me that I have to pay them to protect my information after a year of service. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 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: Account information incorrect

Complaint: First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX     XXXX    vin  #  XXXX , was   financed   by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau Equifax,  XXXX ,  XXXX . Unfortunately i 've tried to resolve the issue with   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received two notices from Transworld Systems regarding a debt from XXXX. I contacted XXXX at the phone number provided by Transworld Systems. The number listed was XXXX. There was no response from the other end. It just went silent after connecting. I contacted XXXX at XXXX and spoke with XXXX at XXXX. She and her supervisor, XXXX, could not find any outstanding debt. Also they could not determine the phone number provided by Transworld Systems as one of their phone numbers. I contacted Transworld Systems at XXXX and was disconnected before speaking with anyone. I need to get this fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Transunion is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late XXXX 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Transunion did not update and correct the report. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Transunion delete the XXXX XXXX payment information, altogether, in a written requested dated today, 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 non-monetary relief
Consumer complaint received 04/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: XXXX / XXXX /  XXXX   From :  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , IA  XXXX  To :  Navient    XXXX   XXXX    XXXX   XXXX , PA  XXXX  In regards to : Navient I,  XXXX   XXXX  is non-adverse, nonbelligerent, non-committed party, secure creditor with power of attorney general and Executor on behalf of  XXXX   XXXX     XXXX    ESTATE , is in possession of your recent voluntary submission of evidentiary documents.   Navient must herein provide a true and certified copy of the complete  audit trail o f all accounts of  XXXX   XXXX   XXXX . Furthermore, in order for Navient to validate this so called debt, please provide verification through audit certification of debt entry in accordance with   XXXX   XXXX   in accordance to  XXXX   XXXX   XXXX  and  XXXX  conventions I would also need a copy of your Tax Registration certificate.   Please do not provide a statement of accounts. I already have received these document. I am wanting to see the complet e audit trail of all account ( s ) from conc eption.   Failure to substantiate the claim, please settle the account immediately within the next 30 days.     Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation