milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is reporting duplicate Hard Inquiries reporting on my credit report, I have repeatedly disputed these duplicate entries to be removed with no change :   XXXX   XXXX   XXXX   -   XXXX   hard Inquiries reporting   XXXX / XXXX /2016 and  XXXX / XXXX /2 016, I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reportin g   XXXX  / XXXX /2016 and  XXXX / XXXX /20 16, I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reporting   XXXX / XXXX /2016 and  XXXX / XXXX /2016 , I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reportin g  XXXX / XXXX /2016 and  XXXX / XXXX /201 6, I have requested one of these inquiries be removed as it is a duplicate entry.
Equifax is reporting duplicate Collections reporting on my credit report, I have repeatedly disputed these duplicate entries to be removed with no change :   XXXX   XXXX   XXXX   -   XXXX   collection reporting   XXXX / XXXX /2016, I  have requested  XXXX  of these collections be removed as it is a duplicate collection.
  XXXX   XXXX   XXXX   XXXX   -   XXXX   collection reportin g  XXXX / XXXX /2016,  I have reque sted   XXXX   of  these collections be removed as it is a duplicate collection.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was charged a debt of a little over {$5000.00} back in XX/XX/2015 by IQ Data International. The other party responsible on this debt paid the debt in full. They say they have no record of the payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: id theft victim everything enclosed police report enclosed hippa riights and cra

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ClearPath Lending (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: CLEARPATH LENDING sent me a promotional offer for a refinance loan product despite the fact that there is a promotional opt -out block on my credit file.

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 03-01-2017 about Money transfers (Domestic (US) money transfer) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Other transaction issues

Complaint: Using the Navy Federal Credit Union App, I accidentally transferred {$570.00} to the wrong member. The Credit Union has made attempts to contact the member, but has not returned my money. I would like to have the funds returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with Halsted Financial Services, LLC. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Below is a log of phone calls I've received from Halsted Financial Services LLC of XXXX, IL. Plus two calls I made in return, yesterday and today. Many of these calls made to me resulted in brief voice mail recordings. No message was left, only the sound of a phone center " boiler room '' operation. Every recording sounded alike. I believe that they are being made from a single location, using various spoofed/forged phone numbers. 
XX/XX/XXXX : XXXX SEVEN CALLS XX/XX/XXXX XXXX SEVEN CALLS XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS XX/XX/XXXX XXXX XX/XX/XXXX XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS XX/XX/XXXX XXXX TWO CALLS XX/XX/XXXX XXXX XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS ; called back once, spoke to unnamed person, told them to stop calling, told me number would be removed. 
XX/XX/XXXX XXXX Caller with accent demanded to speak to XXXX ( unintelligible, perhaps XXXX : I got numerous bill collector calls for him at my previous number! Which was not forwarded to my current number! ) I asked him what company he was with. Refused to tell me, Argument ensued. He hung up. 
I phoned number back, asked to speak to a manager. A person with a heavy XXXX XXXX ( XXXX, XXXX? ) accent came on, identified himself as " XXXX XXXX. '' I told him that he was giving me a fake name. He did not deny that but refused to identify himself. He did tell me that his firm is Halsted Financial Services of XXXX, IL. I told him that I've received numerous calls from various area codes, which I said are forged phone numbers. He claimed that there is a call center for each one. He said that it would take 24-48 hours for calls from the company to stop. I demanded that the calls from Halsted stop immediately. I was given no firm committment to that.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I have an account with CoinBase through which I own one bitcoin. I purchased the bitcoin several years ago for {$370.00}. I have kept the bitcoin in my vault ever since. 

I 've been trying for several months now to move my bitcoin from my vault to my wallet so I might be able to sell it. To move bitcoin from your vault to your wallet you must verify the transfer from two separate email addresses. The transfer verification is n't working for my second email address. I have emailed the support team about this several times - on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. 

I have received one response that was essentially useless and the Company appears to have done nothing to resolve my issue so that I might liquidate my bitcoin. If I were able to sell my bitcoin today ( XX/XX/XXXX ) I would sell XXXX of it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: They consolidated some of my loans without my consent as well as how they went from federal to private without my knowledge. They went back and forth between subsidized and unsubsidized a couple times according to my Navient account and it seems like every time it changed there was a new listing in my credit because there are several items reported on my credit by them some of which seem like duplicates. A lot of the amounts are incorrect as well as duplicate entries on my credit report. 

I called several times and I have been sent here to there and here to there without people telling me what has been going on with my loans. XXXX got my loan from XXXX XXXX XXXX has added all types of interest to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a home equity loan with Citimortgage and 6 years ago I was given a loan extension. The information on their website ( and information that I was given ) stated that the interest was due by XX/XX/XXXX. The balance on the original loan was paid off in XX/XX/XXXX ; however, Citimortgage chose to not credit this payment because " their system '' would n't allow for this to happen. I continued to pay at least my normal payment until the balance of the extension interest was paid in full in XX/XX/XXXX. Then " their system '' allowed for my payments to be credited to the account. My credit report shows 5 months of missed payments when in fact there were XXXX months of missed payments. I paid everything per their agreement and this should be reflected as on time payments until the account was closed. I contacted Citibank throughout the process and employees said that they agree with me but there is nothing that they can do for me because their system wo n't allow it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a XXXX year old XXXX study loan with XXXX XXXX. Navient is apparently the legal name that now administrates it. I have not received a bill in several years. Nor do I receive confirmation of payment. I quit paying it in XXXX of this year because I had no idea what was left owed or if I was dumping money into a black hole somewhere. I thought I would get a statement in the mail if payment was not made. Nothing happened. The loan was turned in for collection due to default. 
Upon checking my email I discovered Navient sent me several emails - but none of them are statements. Even if they had - I did n't sign up for email billing. Apparently the Navient process is for you to sign up for an account and view statements online. I 'm very familiar with online accounts - but was not noticed nor did I opt in to paperless billing or billing via a website somewhere. 

I 've contacted Navient to have everything sent by mail going forward. I was told that was not possible. I 'd like to pay off the remaining balance, but I do n't intend to pay penalty interest on late payments for an invoice I never received, which is all of them. 

I will contact their ombudsman program. 

Interestingly, my neighbor had the same issue with Navient last month.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Applied to lower monthly payments to {$140.00} and have been keeping up with payments consecutively for year. Without notice I have a past due amount due to payment hike up to {$650.00}. I have applied for CSRA to reduce my interest rate and have been unsuccessful. I have been a member of the XXXX XXXX XXXX since 2009 and have been eligible and received my CSRA benefit with the 2 credit cards I have but navient has not awarded me the benefit. My total loan balance left is {$21000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: There are repeated calls from XXXX to myself and family members ( mother grandmother father step mother ) threatening to issue a bench warrant for my arrest. They say they are a law firm called XXXX legal group but when they begin talking they demand payment and threaten to issue bench warrant for my arrest. They call repeatedly to all my family members and are extremely rude to them. They call me private and from unknown numbers. They leave case or docket numbers XXXX XXXX./

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting an open collection item which i settled in full

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent an email to the actual creditor on X/XX/2017 I also contacted XXXX XXXX when they notified me via email that a credit inquiry was pulled for this company one day prior. I am not even sure why because I have a fraud alert on my credit report but they failed to contact me via phone to ask if it was me. Which is totally pointless in having a fraud alert. 

I did not give this company permission to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dept collection agency called XXXX are attempting to collect a dept from me which I am not owing and they reported that to my credit even with out proper investigation to know if the dept is mine or not. I disputed that through TRANS UNION CREDIT REPORTING AGENCY but they kept reporting same to my credit. I contacted TRANSUNION CREDIT REPORTING AGENCY after so many attempt I made to contact the collection agency XXXX. but TRANSUNION said all the information they have on file concerning the dept was correct even when they did not do proper investigation. 
The dept which XXXX TRYING TO COLLECT FROM ME IS A FRAUD FROM THE ORIGINAL CREDITOR. ( XXXX XXXX APARTMENT ). 
I rented an apartment from the Original creditor XXXX APARTMENT, but a month after I rented the apartment the roof collapse and I could not use the apartment anymoreafter so many attempt I made contacting the XXXX APARTMENT to come and fix the problem, they ignored me despite I still pay the rent for the apartment even when I was not making use of the place. They ignored fixing the place until I moved all my belonging away from the apartment since it was becoming health hazard. But XXXX month after I moved out I received a letter from a collection agency called XXXX stating that I was owing some money from XXXX APARTMENT who ignored fixing the collapsed roof of the apartment I moved out from. 
the XXXX did not even do any investigation to know if I was owing such dept or not. I attached the copy of the letters I sent to the apartment management XXXX APARTMENT BE FOR IMOVED OUT FROM THE APARTMENTTHE CREDIT BUREAU SHOULD WORK WITH THE COLLECTION AGENCY XXXXTO TAKE SUCH FALSE STATEMENT OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I enrolled in XXXX XXXX XXXX School XXXX XXXX on XX/XX/XXXX for the sole reason that it not only promised to provide me with all the classes and skills for me to be successful in my career, but it promised me a XXXX For Life. '' Where in, I could continue to take classes/Labs throughout the life of my career that would advance me forward, at no additional cost. My career in XXXX XXXX is such that in order to be successful and make a living at it, continuation classes for the lifespan of your career are necessary. I took out a private student loan thru XXXX XXXX, now Navient, back in XX/XX/XXXX in the amount of {$14000.00}. In XX/XX/XXXX, while trying to schedule XXXX of my continuation classes and having the phone go unanswered, I went to there location and realized that they were now closed for business. I have faithfully paid the student loan payment each month but still owe a balance of {$5300.00}. It has become increasingly difficult for me to pay the monthly payment and also advance my career as I have been unable to afford paying for additional classes and training. Something I thought would be taken care of by XXXX and enrolling in their " XXXX. '' As a result, I am asking Navient ( formally XXXX XXXX XXXX to " Forgive '' the rest of the balance due on the loan as I believe I have paid for something that I never received ( in other words, a Breach in contract ) -- Free Lifetime Training in my Field. My XXXX # is XXXX. 
I have attached documentation substantiating what I have stated in this complaint. 

Thank you for your consideration on this matter, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Student loan (Non-federal student loan) with AES/PHEAA (GU).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out a {$11000.00} student loan through XXXX in XXXX and it went into deferment because of school. I then joined the XXXX in XXXX. XXXX kept my loan in deferment without contacting me ... I was no longer in school so my loan should n't have been kept in deferment. I consolidated my student loans right before I joined the military and I had thought the XXXX loan was consolidated with the others. 
I did n't find out until I went to buy a house XXXX XXXX that I had this " student loan '' that had been just sitting in deferment for years! 
I contacted XXXX and asked why it was in deferment for another 5 years and why they did n't contact me and WHO approved this. I asked for any supporting documents stating that I put this loan in deferment ( knowing it was n't due to school because I had already graduated! XXXX XXXX could n't give me any reason as to why my student loan stayed an extra 5 years in deferment and why I was never contacted with any information during the 5 years! 
My loan went from {$11000.00} to owing {$19000.00}. 
XXXX then quickly transferred my student loan to American Education Services and I have yet to figure out why my student loan nearly doubled. 
Please help! I am currently paying on my student loan monthly and currently owe {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Struggling to pay mortgage

Complaint: They sent me a notice with an amount to make a payment to bring it current I called them and they said they have to re submit it so now I 'm waiting again

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i have spoken to XXXX XXXX XXXX, several times and also Experian, the credit reporting agency who is reporting this inaccurate information on my credit reports. i have sent the XXXX XXXX. XXXX letter for which they have approve of removing this inaccuracy but experian is not cooperating. ( hence attached ) i need help to prove to them the delinquency on the XXXX XXXX XXXX XXXX, ( XXXX XXXX ) is incorrect and that needs to be update to Experian. i would greatly appreciate your prompt attention in this matter. 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 09/14/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (IL).
Issue: Managing the loan or lease

Complaint: I have repeatedly disputed this with both Wells Fargo Dealer Services and the credit bureaus. A late payment is on my credit report in XXXX XXXX. The initial problem with this payment was mine as my bill payment was not made as set up on my bank account. 
However, the payment was NOT 30 days past due. The due date was XXXX/XXXX/XXXX and the payment and an authorization was submitted by WFDS to my credit union on XXXX/XXXX/XXXX. I was told it would post on XXXX/XXXX/XXXX and they posted it on XXXX/XXXX/XXXX. This caused the payment to exceed 30 days past due. Multiple disputes have had no results. As a result, the loan was paid off in XXXX XXXX and refinanced with another lender.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Last XXXX XXXX, 2017, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XX/XX/XXXX and dismissal of the bankruptcy reported was last XX/XX/XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but PayPal told us we lost the dispute. PayPal sent my business 's debt to collection and both the debt collector and PayPal informed me that the debt was to me personally, not my business. Both told me that although I have a business PayPal account, somehow PayPal circumvents this. Neither were able to tell me legally how this is possible or where in the PayPal user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Around XXXX XXXX, 2015 I sent in dispute letters regarding incorrect reporting on my credit report. I received letters back stating it was correct and told they case was closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief