milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was written a check from my former room mate to cover her rent and I wen to ACE check cashing to cash this check. The check was bounced and now Ace is calling me to pay the money back. Its beginning to be harassing and takes minutes from my phone with each call they call at least three four times a day. I dont think I should be the XXXX they go after regaurding this matter it should be the person that wrote the check. I live on a fixed income and I feel like a victim in this case I am loosing minutes and i only have a government phone I use it for my doctors because I have a life threatning illness. I just lost and wish the calls stop.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Application, originator, mortgage broker

Complaint: I have a home loan with caliber, they offered a refinance to a better rate for a 20 year loan with with a rate of 3.75 % and a total closing cost of XXXX. This was started in XXXX, documents were signed then no communication until XXXX when I got new paperwork showing my loan went up to 4 % with closing cost of over XXXX. multiple attempts of communication with the company with no response. today I finally spoke with someone who said it was human error and he can not honor the original documents as it was to much of a loss of the company, all of this after i have paid the XXXX in appraisal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX  . address are bills from   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX  . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is still reporting a bankruptcy on my credit report that was discharged 9 years and 9 months ago. They are the only credit bureau doing this. I want it stopped and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Auto) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This has been paid and has been verified with the original crediting company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian is reporting an incorrect address as XXXX XXXX XXXX XXXX XXXX ct XXXX. I 've never lived there and never had anything associated with that address. I want it removed immediately

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 02-01-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (DC).
Issue: Account opening, closing, or management

Complaint: I have a Chase savings account which has not been active for a while. Chase sent me a letter on XXXX/XXXX/2016 to inform me that they will put safeguard measures on the account in 2 month. When I called the XXXX number on the letter on XXXX/XXXX/2016, the online rep told me the account does not show on his desktop 's pull-down manual. If I want to do anything to the account I need to go to a branch. I opened the account when I was living in XXXX, but I have moved to XXXX, as reflected on their record. I can not make a trip immediately. Chase 's notification is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Student loan (Non-federal student loan) with Genesis Lending (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Currently I have student loans with Genesis Lending from classes that I attended at XXXX XXXX XXXX in XXXX, Wyoming from XX/XX/XXXX till XX/XX/XXXX. I am a veteran of the XXXX XXXX and as though I did receive benefits from my XXXX G.I. Bill, the money had to be used for living expenses since my husband and I were unable to receive campus housing due to our marriage status. Because of this, we were unable to use the G.I. bill for its intended use and now we are paying the student loans. Considering XXXX provided high hopes for attending the school, I became a XXXX GPA student and graduated with above and beyond characteristics. When I attended the introduction day where I had to sign tons of papers, I remember specifically them telling me to sign a paper for a private Genesis loan in which I had not been aware of. They wanted me to do this since I did n't not qualify for some other loan. The lady insisted that it was a good loan although I feel I did n't have much time to think about it and I feared that I would not be able to attend school if I did n't do this. I do n't remember going over interest rates or loan amounts but she did tell me they would wait till we graduated to pay them back. After graduation, I applied for many positions and did receive only XXXX call back. In addition my husband received XXXX. I became sole provider till he found a job but I was not properly prepared to work in the position I ended up getting as an XXXX at XXXX XXXX. My hands on teachings were out of date for the current repairs that I had to make on vehicles. I feel that my husband and I were ill-equipped for entering the XXXX as they had lead us on to be as well as my above and beyond attitude that I worked on while attending did not seem to have made a difference. I currently am a XXXX and both my husband and I feel that we did not receive enough or the right sort of education that would help us in the XXXX. We have felt like this for years. Our loans had been on multiple deferments and forbearance as well as while I did have a job, I do remember specifically XXXX instance where I received collectors calls and I had to tell them I could n't pay them back but the lady insisted that I make a payment that very day. The call ended in tears. Myself as well as my husband where not happy with our education as well as the position that we were left in when he could n't get a job and that we had to use the benefits money to pay for our living expenses at the time. We are still to this day trying to get ahead even with our loans on forbearance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am an authorized user on a XXXX Credit Card with my wife as the primary. Back in XX/XX/XXXX. of 2016 we made a payment of {$3000.00} on this account. It was reported and reflected correctly with XXXX and XXXX but not TransUnion. I called them to get them to show our correct balance. It turns out that TransUnion 's policy is that if an authorized user files a dispute, then they just delete the account altogether. Makes no sense and they failed to alert me to this when I called. I have tried repeatedly to get this account reinstated with TransUnion but have not been successful. They tell me that they ca n't reinstate accounts and that the creditor must do it. Again makes no sense since the creditor was n't the one who deleted the account, TransUnion deleted it. I have called XXXX XXXX4 times and they have sent me letters indicating that they are correctly reporting the account to all XXXX bureaus and that I should contact the agency directly to find out why it is not being reported correctly. I have faxed these letters in to TransUnion. Still no luck getting this account to be shown with TransUnion even though it shows correctly with XXXX and XXXX. TransUnion 's customer service has to be XXXX of the worst I have ever dealt with.

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 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have also made several attempts to have my name updated on my credit files, but have not been successful. Please see my license an SS card in the attached documents. I would like my name to be updated to 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 02/26/2016 about Mortgage (VA mortgage) with Ditech Financial LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: AWFUL, INCOMPETENT, FRAUD, CHEATERS, OUTLAWS, etc. There are constant charges, escrow charges are doubled. Ditech claimed they had not received the information on homeowners insurance, but in reality had been sent several times. Of course you know about the late billing. It should not be assumed that everyone has access to a computer. No one will explain or discuss the problems with you. This proces with DITECH is a nightmare. It is unreal that type operation is allowed and go unpunished. Everyone does not have funds for lawsuits. But maybe we would if everyone just stop paying them. Oh, but that seem to be their motive - to make your mortgage payment unmanagable, so they can take your home. THEY MUST BE STOPPED!!!! NOW!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the XXXX XXXX XXXX XXXX and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from XXXX at XXXX XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX  from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.

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 03/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company failed to pay escrowed taxes from account. Payment is nearly a year late.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Hi I tried to contact XXXX, Transunion and XXXX. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this

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 03/24/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MT).
Issue: Loan servicing, payments, escrow account

Complaint: I was emailed that my online account had been suspended. It stated my account password had been entered XXXX times. Well ... ... .I have not tried to get into my account for weeks. I tried to call Wells Fargo and the kept transferring me and repeatedly asked me for my information. They would not transfer me to the fraud department. I am a XXXX veteran with a XXXX and they would not help me. I do n't want some XXXX to access my equity in my home or open new debt. So I want to know what happened and what they are going to do but obviously they are not going to do anything I wish they did n't buy my mortgage!!!! i certainly would never do business with Wells Fargo in the future!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I attended XXXX College in XXXX WA from XXXX. My school loan was for approx XXXX. I was awarded a federal pell grant, which paid  everything except XXXX which I was responsible for paying ; I paid that in full. My loan was handled by Navient loan Servicer. For some reason they took my XXXX tax return of XXXX out of my bank account directly. I was given this number by the IRS XXXX and told to call them to find out why they are taking my tax return money. I did so, the XXXX number was a debt collector agency and would not discuss any details with me ; they were only able to tell me that I owe the " US Department of Education '' {$16000.00} for a school loan that I had n't paid. <P/>My student loan was paid in full inXX/XX/XXXX; between my pell grant and my personal payments of {$2000.00}. <P/>There is absolutely no reason why I should have over {$16000.00} dollars worth of school loan debt! <P/>This XXXX number representative also told me that the US Department of Education had sent me bills for this debt - which is false ; they did n't even have my correct address on file! I have never received any sort of bill for this debt and it is a wrongful debt not owed by me ; still they unknowingly took my entire tax refund from me. That money was for my XXXX young daughters. How can I replace that income lost that I rightfully earned!? <P/>I also checked my credit report with XXXX and XXXX - this debt is not on my credit report anywhere ; most liked because it was added falsely and recently.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2016 I SENT A DEBT VALIDATION REQUEST, CERTIFIED MAIL, FOR ACCOUNT # XXXX WHICH WAS RECEIVED BY LVNV ON XX/XX/2016. I NEVER HEARD OF. I REQUESTED INFORMATION ON THE ACCOUNTS AND NEEDED TO KNOW WHAT THEY WERE FOR SINCE THEY WERE ALL LISTED AS " XXXX XXXX '' WITH DIFFERENT AMOUNTS. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX AND NEVER HEARD OF THEM UNTIL THESE ACCOUNTS WERE LISTED ON MY REPORTS. I AM CONCERNED WITH IDENTITY THEFT ON THIS ISSUE. 4 MONTHS HAVE PAST AND STILL HAVE NOT RECEIVED ANY ANSWER TO MY REQUESTS. I HAVE DISPUTED THESE ACCOUNTS THROUGH THE CREDIT BUREAUS AND THEY CAME BACK AS VERIFIED. ATTACHED IS THE VALIDATION REQUEST AND CERTIFIED MAIL RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had XXXX separate private, student plus loans, through XXXX XXXX XXXX. XXXX loans are current and never carried a missed or late payment status. XXXX loan carrier a $ XXXX balance at 2.5 % AND the other loan a $ XXXX balance at 7.3 %. I saved the money to pay off the 7.3 % Loan. The payment was made with sufficient documentation to direct payment to the correct outstanding balance and credit the correct loan for repayment. The payment was $ XXXX directed to the 7.3 % loan. Instead the payment was redirected to the lower interest rate loan and the over payment only was credited to the higher interest rate loan. I contacted the current loan servicing agent ( AES ) American Education Services and they indicated the correction would be made but with the next loan statement the loan crediting error still exists. I am now writing your organization formally writing the agent AES to demand the loan payment correction be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Debt collection (Mortgage) with Dyck-O'Neal, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: First : I have XXXX complaints about this collector ( XXXX XXXX ; phone : XXXX XXXX XXXX XXXX ). I do not owe this person anything at all AND his desperate attempt to reach me by phone is frightening. So, I live in XXXX and on the morning of XXXX XXXX, 2015, while I was talking on my land-line phone with my sister who lives in XXXX, I received a call from the office of XXXX XXXX. I saw the company name through caller-ID. I did not answer the call. 

About 5-10 minutes later, my sister ( who lives in XXXX ) receives a call and she assumed it was a family she had been XXXX. She placed me on hold and answered the call. In a few minutes, she returned to me and told me that someone named " XXXX XXXX '' had called and sternly asked for " ME '' by name. She told the person that I did not live there, but I was her sister and what did they want? She said the person immediately disconnected the call. Now ... .I DO NOT RECALL EVER, EVER VERBALLY COMMUNICATED WITH THIS DEBT COLLECTOR AT ALL ... ..NEVER. So, there is no way they would have access to my sister 's phone number and I have never, ever used her name for any ; absolutely any form of business. So, how did they get her phone number? And if they have been calling my phone number over time, what would lead them to call a different number? How did they get my sister 's phone number? 

So, my concern is : somehow, this company was able to tap into my sister 's land-line phone while we were on the phone at the time of their call. I do n't lknow how they did it, but this truly happened and they should not be allowed to get away with it. They clearly had a way to do that which is invasion of privacy and by doing so, exposed a personal issue of mine to my family member, who had no prior knowledge. 

I am offended ; I feel violated and I am fed up with the constant harrassment I have been receiving from this company. They should not have a right to do this to anyone ; even if they did owe them money. 

Please help me understand this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving harassing phone calls from Navient. They claim they 're calling to collect a student loan debt, but I am in school and all of my loans are in deferment. I have also asked them repeatedly to stop calling my cell phone, but they refuse to stop. I was also advised today by a representative that they will continue to call me and there was nothing I can do about it. They call me everyday at least XXXX times a day, and I can not deal with it. I have tried blocking the numbers they call from on my iPhone, but the calls continue.

Company response to consumer: Closed with explanation