milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls to my home number from various phone numbers that my caller ID describes as NAVIENT. These include XXXX, XXXX, XXXX, and XXXX. When I call back I am connected to your automated phone answering system. For a while the calls were sporadic but they have increased in frequency recently. I received multiple calls from XXXX on XX/XX/XXXX as well as multiple calls from XXXX. I received additional calls from XXXX on XX/XX/XXXX and then started receiving calls from XXXX. I have been getting 4 to 6 calls a day. On XXXX XXXX, I received a call at XXXX XXXX from XXXX. When I answered, a recording told me that it was calling from Navient looking for XXXX XXXX and wanted him to call back at XXXX to discuss making arrangements for payment of his loan. 

With most of the calls, no message is left and most of the time the calls do not connect with my answering machine. When I answer, the recorded message does not always pick up. I do have an account with Navient, but my account is in good standing and when I called and inquired, I was told that there was no record of any calls being made in my account. 

I reported these calls to Navient on XXXX XXXX, told them that I believed that they had connected someone else 's account with mine using faulty skip trace information. I told them the name of the person they were looking for was XXXX XXXX who is either living in XXXX XXXX or XXXX XXXX. He is not related to me. I have had this phone number for 20 years. Navient has not made the calls stop, they are still calling me about someone else 's debt. 

I believe that the skip trace information was purchased from XXXX XXXX XXXX. They have had faulty information connecting XXXX XXXX to my phone number for years and have refused to fix their algorithms or update their information despite the fact that I have made multiple requests. I want the calls to stop, to be compensated for the calls and the time I have spent trying to get them to stop. I also want Navient to tell me where they obtained the skip trace information and to have that company permanently remove any connections between me and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: By law Transunion only has 30 days not 60. In response to the file number with CFPB XXXX. Transunion stated they will respond in 60 days and that is not the timeframe that is stated by law 30 days is the law. 15 more days if another dispute is given.

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 10/27/2015 about Payday loan () with WORLD ACCEPTANCE CORPORATION (AL).
Issue: Applied for loan/did not receive money

Complaint: I applied for a loan and did n't receive any money at all. I do n't know why this is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This particular gentleman who called himself XXXX XXXX contacted my employer specifically my boss and assistant boss and revealed information that I owed a bad debt and verified my employment threatened to take me to jail. I have XXXX voicemails and several screen shots of where this gentleman has called me numerous times in a XXXX minute span. Threatening voicemails he leaves in my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: I was a victim of debit theft. The person actually went to the atm and withdrew money out my account. My car was stolen in the time period between you dont have money and pay day. I really dont use my card to much then but to fill up my tank. So when I did call Bank of america I filed my claim. I told them my pay check is coming will you be taken money from my check. When the people stole my money they took my pay check money. So I went a whole week with out pay. I was reassure my money was safe. I am behind on bills. Bank of America took my whole pay check. I was able to take XXXX dollars out which was for bill but now in turn its for gas for the week. I am behind on my rent. I still will behind. Do you think a big Bank like that will help me out no. I am hurt and super sad. I asked the customer service representative if they will take money from me and she assured me they would not. 
When you file the claim you are guilty before innocent.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: CitiFinancial posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX   XXXX  sold my school loans to different companies who now created duplicate loans on my credit report.   And I feel that the school loan amount does n't match what 's on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with Automated Accounts Management Services (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX was my aunt she stole allmy identity stuff. .id birth certificate social security card everything..i caught her n pressed fraud on her for falsely impersonate me to get dentures ... Please my mom destroyed my credit i was rebuilding n now she doing tbis my aunt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Shopping for a loan or lease

Complaint: I checked my Credit report and Wells Fargo dealer had XXXX inquires on it. I asked for the application for permissional purpose and got letters back listing all kinds of dealerships.

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

Complaint: After checking about potential impact of Equifax data breach, I was notified that my personal sensitive information may be compromised. I would like to report this agency, Equifax, for allowing this to happen. There should be consequences in order for future protectors and users of our personal information to be responsible and held accountable for not adhering to best practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I began repaying my parent plus loan for my son in XXXX XXXX  2017. From the very first time I have not been able to use the automated phone system, nor log into my account, and when I want to speak to customer service when the automated system says it " does n't recognize my acct number or social security number as a valid ID ' '' they schedule me with a " call back '' which is more than 24 hours later. I have to choose an appointment time to speak with customer service to make a payment. And quite often I am told " sorry that time is not available. '' I have been told many different stories as to what the problem is- including that my acct is linked to " someone else with the same social security number. '' This is frightening. When I ask them who it is- they tell me they " ca n't share that info with me. '' Yet they recently sent MY XXXX a bill with someone else 's name on it and then freely discussed my name with my XXXX. I am SICK OF DEALING WITH THESE PEOPLE!!!!! They have told me multiple times they can " fix the problem. '' And " a supervisor will call me. '' Which has never happened. This company makes it IMPOSSIBLE TO PAY THEM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have had an ongoing issue with   XXXX   XXXX   credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my   XXXX   XXXX   card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.

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 08-02-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: I called Wells Fargo in XX/XX/XXXX and was set up on a payment for the back mortgage payment. When I called in XX/XX/XXXX to make payment I was told the payment plan was deleted on X/X/2017. The customer rep told me her supervisor will review the call to see why the payment plan was deleted. On XXXX XXXX, 2017 I received a notice of intention to foreclose mortgage letter date for XX/XX/XXXX. I called WFM again and rep told me a supervisor will be getting back to me about the deleted payment plan. No one has called back about this issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Delinquent account

Complaint: on XX/XX/2017 I went into the Macys store in XXXX in XXXX Illinois to make my payment in full that was due XX/XX/2017. The payment was done by electronic check and when the payment cleared on my bank statement I destroyed the check. Macys sent me a bill the following month that st5ated no payment was made and billed me late fees and finance charges. Macys took my money and applied it somewhere but not to my account. I contacted XXXX bank and filed fraud claim number XXXX on XXXX to date macys has my money and XXXX has not advised if they were able to trace the funds.

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 05-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX XXXX XXXX account, is incomplete and then not reporting correctly. 

1 This account, was closed XX/XX/2015. 
2. Its Pay Status should be " Closed '' and not Current 3. The Payment received field says XXXX, when this is inaccurate 4. The Pay History is incomplete - please Validate this account, and update the pay history for this account XXXX. The Balance History is incomplete - please Validate this account, and update the pay history for this 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 02-08-2018 about Mortgage (Conventional home mortgage) with Midwest Loan Services, Inc. (CA).
Issue: Trouble during payment process

Complaint: Our loan servicer, Midwest Loan Services, has applied a charge of {$760.00} to our home loan with XXXX XXXX XXXX XXXX XXXX. This fee was charged because our insurance provider dropped our earthquake insurance. We were unaware of the drop in coverage, but quickly re-established the coverage. 

On XX/XX/2018, I called Midwest Loan Service and stated that we restored insurance coverage. Our loan servicer has acknowledged that we restored insurance coverage, but that there was a lapse of coverage for two months. Our loan servicer stated that Midwest Loan Service will charge us {$760.00} for the lapse of two months. We complained that the drop in coverage was not because we did not have a lapse in payment, but because our insurance provider decided not to provide earthquake insurance for our area. I then emailed our bank, XXXX, and asked them to resolve this matter. 

On XX/XX/2018, I made another call to Midwest Loan Service, and asked for a supervisor. I demanded to remove this fee. Our loan servicer explicitly stated, " NO! '' I then demanded to reduce the fee to something commensurate to two months of coverage. The loan servicing supervisor explicitly stated, " NO, we will not do this for you! '' Please help us resolve this matter. Charging {$760.00} for a two-month lapse in hazard insurance coverage that occurred in the past is punitive. This amounts to over {$4600.00} annually. This is crazy!! 

Please help.

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 10/14/2015 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (MS).
Issue: Managing the loan or lease

Complaint: I received a letter in the mail from Castle Payday ( not a payday loan, so they claim ). 
while applying online with specific agreements and rates and how much i would be paying and interest and fees, every thing was flowing smooth and i agreed on an {$800.00} loan. 
before i could finish the process, they call me and want to finish out on the phone and they tried changing up the agreement where i would pay a {$400.00} fee up front on my first payment, I told them that was not the agreement i electronically signed on the application over the internet, and that if we are going to proceed, I will only agree to the original contract i signed, they finally after bickering back and forth agreed ( i think just to shut me up ), they pulled a bait and switch on me - they then proceeded and the next day, I had {$800.00} in my account, i called on my due date to process payment which was automatic but i needed to confirm it, they wanted {$400.00}, I told them that was not the agreement i signed, they then email me an agreement that i never saw before, not once, it had a 560 % interest rate, making the total {$800.00} loan, {$6200.00} - - i would never in my life agree to a loan like that, it is insane, ( im enclosing an attachment of the agreement, i had never seen this nor did i sign this, my first time even knowing about it was when they sent it to meafter i complained with them for not honoring the agreement - this is not the agreement i signed or acknowledged ) i never was presented with this - i called and they told me i could pay XXXX and close out the loan, i said i dont have XXXX could i pay the XXXX and then pay the rest next month and it close out, they confirmed that yes i could ... ..next month rolls around and they tell me i have to pay another XXXX plus the XXXX, i cant just pay the XXXX ... .basically i have to pay XXXX out right, at least thats what they tell me this time, im sure it would change next month as it has changed every time i talk with them, they dont honor their agreements so i shut down my bank account and im not going to honor my original agreement, they got their money back and they are not getting anymore, my only concern now is that because they are deceitful and scamming and have the abilities, they can now affect my credit ... im not the only one, there is a website of XXXX 's of complaints identical to mine in regards to castle payday consumer loans

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recieved an alert from my credit monitoring service that 6 days ago, a collection company ( XXXX and transuinon had deleted an account from my report and then reinserted it the same day. I have waited the 5 days required by law to recieve a reinsertion letter and have not recieved this. It is illegal to reinsert a collection that had been removed without notifying the consumer.

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 11-11-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a dispute with Experian. They are wrongfully, maliciously and illegally reporting a debt from XXXX XXXX XXXX that is invalid.1 ) XXXX XXXX can not or will not prove letters of notice. 2 ) Original debtor ( XXXX XXXX XXXX ) will not and can not discuss this bill as it is too old. No longer even a valid debt! 3 ) I had no knowledge of this debt until I started monitoring it. 4 ) I have been declined credit, subsequently having a negative impact on my score as a direct result of Experian 's wrongful acts -- suffered damages! Experian will not allow me to state all of my evidence. 4 ) Creditor XXXX XXXX refused to send me any supportive information that I requested in XX/XX/2016, XX/XX/2016 and XX/XX/2016- past 30-60-90 day requirements! There are XXXX or more legal reasons that I 've attempted to give Experian and they deny removal based on " preformed '' statement issues in XXXX sentence that do not accurately describe what has transpired. I have provided XXXX LEGAL reasons to have item removed according to the FTC. Both XXXX and XXXX have removed this item. Experian is intentionally allowing it to remain- INTENTIONALLY affecting my score in a negative fashion. I have been diligently attempting to increase my credit score- perhaps to purchase a home XXXX day and can not move froward due to Experian 's illegal Credit Reporting tactics. I will contact my local legislator and the FTC with regard to this matter. Again, there is not XXXX but XXXX reasons set forth by the FTC ans CFPB to have this removed and Experian refuses or affirms incorrect report information KNOWINGLY! I believe that because I wo n't pay their costly membership fees, that they are purposefully not cooperating with me- if true- fraudulent business tactics on its face! Please help/advise me. 
Thank you for your time and consideration regarding this matter, 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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Transunion took {$1.00} from my checking account on XX/XX/2017 followed by {$19.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
Neither my husband or I could recall establishing an account with these people. 
It is possible after the XXXX scare they were used to see if our accounts had been compromised or may be it came from a loan application. 
Needless to say when I called to question the charges they initially would notn identify who they were, and what services they were providing. I also asked just were my call had been directed and expressed my feeling this was a scam or an attempt at identity theft. She still remained cryptic then they demanded my SSN which I refused then it went to just the last 4 numbers, then they wanted my credit card number charges had been made on. 
After a continuous run around while talking to her I XXXX   Transunion and found a site the appeared to be ligitament ... so I reluctantly gave her my SSN. This was the only way I could get the charges stopped ... My complaint is how can they charge me something I didn't want and put me vulnerable to financial/identity theft to get the charges stopped.

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