milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The following company XXXX XXXX XXXX has placed their company name on my XXXX and Equifax Credit reports erroneously. This is a college/ university, I have never borrowed any funds from this company. I once attended this college XX/XX/XXXX. Federal Student loan assistance was used to pay for my education XXXX percent. This company has know legal right under federal law ( FCRA ) to report any negative information about me to the credit agencies XXXX and Equifax. I have been disputing this account with the bureaus, however it comes back " verified '' each time since XX/XX/XXXX. I have also requested validation of this alleged debt from data furnisher. What I receive from XXXX XXXX XXXX in reference to justifying this alleged debt, were documents showing I once attended their establishment. No legal validation/ verification has been provided to justify their company name on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: our mortgage was paid on time in full each month, but we got a letter from the homeowners insurance company saying we had lapsed coverage for over a year as a result of Wells Fargo taking our money and not putting it into escrow. Had an accident happened during those 12 months, we would have been liable for damages which we had already paid insurance for. Wells-Fargo is a dangerous place to keep your mortgage

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 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. 
Now Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Am Filing this complaint because Equifax has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX, a package was shipped from me to XXXX with tracking # XXXX. Originally, I was going to drop it off at the XXXX store near me with paper packaging but was told it was unacceptable. They then re-packaged it for me in a large XXXX box to which I paid the full balance of at the store. I received a collections activity notice which I demand be stopped, as it is an invalid debt. The collections agency, Transworld Systems, put a 30 day dispute hold on my debt, but I 've been unable to contact XXXX directly about this. The invoice # is XXXX which again, I was told by the collections agency, is the only way to look up the original package due to being in collections. I wo n't pay a debt that I paid for at the XXXX ( in XXXX ). I want this dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX made an error on my credit report which has put a stop on my home loan. Due to this negative report I paid the account in full XXXX 2016 but they charged me a fee in error and reported as negative. I have tried to get them to remove this charge after several attempts They are saying it takes 30-45 days ... I feel that if took them 1 day to damage my credit it should take 1 day to correct their error. They admit to the error but refuse to correct my credit asap. Please help me resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Money transfers (International money transfer) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Fraud or scam

Complaint: My wife and I bought a product called XXXX XXXX XXXX in XXXX XXXX. The purchase was contingent on XXXX XXXX XXXX XXXX XXXX, purchasing our XXXX weeks of timeshare at XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and we started the process. XXXX XXXX XXXX XXXX is located in XXXX Az. In the process of trying to close XXXX XXXX had me wire ( XXXX/XXXX/2015 ) {$20000.00} to an escrow account in XXXX, purpose to paid the taxes on the sale. This money was to be completely refundable at closing.. XXXX XXXX XXXX, 2015 told by XXXX XXXX that I needed to send another {$5100.00}, my half of the transfer fees. I did this. When it came time to close I called and was told that XXXX XXXX no longer works for XXXX XXXX XXXX XXXX. She was remove because she stole the {$5100.00} by having that money sent to a different account in XXXX. I have filed a complaint with the Better Business Bureau. I stopped the down payment that was put on my credit card. 

Please advise what action can be taken to get the {$20000.00} and the {$5100.00} back from XXXX XXXX XXXX XXXX. I can provide all the documentation and time table of events. My number is XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (Store credit card) with NETSPEND CORPORATION (MO).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Someone keep hacking my NetSpend account! they are using my account number and keeps Stealing my personal information without my consent! 












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 06/26/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I have been a Citibank gold customer for 40 yrs . They always
included my mortgage toward they required balance needed for gold XXXX
status. Recently they changed that policy and now I'm being charged for
for my checking accts and any little thing I need done. I don't think is 
fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In  XXXX  of  XXXX  I contacted Navient by phone to initiate the process of having my student loan forgiven as part of the   XXXX    Loan Forgiveness pro gram. I was told by the representative that my loan did not qualify for forgiveness. I continued to make payments until  XXXX  of  XXXX  when a conversation with a colleague made me suspect that I had been given bad information. My loan did qualify for forgiveness. I undertook the process of getting loan forgiveness.  Navient  rejected my application four separate times for a variety of extremely trivial reasons ( e.g. I wrote a date as  XXXX  rather than  XXXX  ) but finally sent the note to the guarantor who paid my loan in full.   Because I was given false information on the nature of my loan, I ended up making a full year of payments unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Problems caused by my funds being low

Complaint: i went in to locate 53rd bank XXXX XXXX XXXX XXXX XXXX, OH XXXX wanting a explanation on why in being charge overdraft fee, they no explanation on what chagers cause the overdraft and why i being charged {$74.00} in fees when the fee should be {$37.00}, spoke with branch manger and she talked on me like i dont keep any record on my account, ask to close my account and was told i could not close my account

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Every year I recertify my loans for income based repayments. This year, I filled out the form, as usual. The form is the same form that has been online with FedLoan. I submitted it promptly and received a rejection one month later. When I called to find out why, FedLoan said that the form I filled out was no longer the form they were using, despite the date in the top right hand corner stating that the form was valid. They told me to fill out a new form. I did this and submitted it. Again, a month or more later, they sent back a rejection saying that they did n't have my income taxes. I explained that they were already submitted. Six hours and multiple phone calls later, they admitted they did have the income taxes. I told them I was nervous with the processing time as my new payment that was not income based would take effect and that I could not afford to pay it. They told me there was nothing to be done and I would have to forbear if I could n't afford my payments until they processed the request. I explained that was n't fair as I submitted the correct information TWICE and they rejected it. I was forced to forebear for two months. Not only is the interest compounded, but I lost out on two months of loan forgiveness, causing me to have to work in the public sector for two months longer. I called to complain about this. Numerous transfers and promises that someone would call me back, they did not. It has been two months since they promised to call me back about the forbearance. I have made so many phone calls and waited for people to help. It has n't happened.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A letter was sent to Midland Credit Management in XXXX 2014, asking for validation of a debt, however they never validated the debt but what they did send me back was an offer for a settlement amount dated XXXX 2014. I continued to send them letters stating they have n't validated the debt with no response however they continue to report the account on my credit report. As recent as today, I have spoken with the following representatives XXXX XXXX, I was transferred to XXXX XXXX XXXX # XXXX in the Consumer Support Services Department not before he told me that there is a limited amount of time that I can dispute the account. I advised him that this is not correct. I requested to speak with someone in management where I was transferred to XXXX XXXX, Employee # XXXX, who stated he was in the escalation department. I advised him of my concerns which he was in no position to assist. I asked him to speak with someone in the United States as all previous people I spoke with were in XXXX. I was transferred to XXXX XXXX, employee # XXXX who after I explained to him the issues and violations he stated I could only request validation 30 days after receiving their initial letter. I advised him that this not the case and against the law as a consumer can request validation at any point. He stated that a supervisor that XXXX XXXX was not available. I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX  ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX bank XXXX ..Please send me original signed copies from parent company XXXX  ... ..I am not a home owner. who are these people XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent company

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 03/23/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been working with Wells Fargo related to an equity line that ballooned XXXX XXXX. Over a year later I was finally able to get Wells Fargo to make payment arrangements with me ( Reference previous CFPB case # XXXX ). After contacting the CFPB I was finally able to get Wells Fargo to make payment arrangements. I began making those payments in XXXX XXXX and I was required to make 3 trial payments - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$300.00}. I made all 3 payments in a timely manner. Then in XXXX XXXX I began making payments of $ XXXX/mo. I was sent a loan agreement in XXXX which I was required to sign. I took issue with language in the document and the credit reporting by Wells Fargo and filed another complaint with the CFPB regarding that matter. In addition I sought legal counsel and retained the services of XXXX XXXX XXXX to review the loan document. I executed/signed that document at my attorney 's office and it was notarized and sent back to Wells Fargo at the address listed on the document. I continued to make payments of $ XXXX/month in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XXXX XXXX, XXXX I received a letter indicating that my agreement was void because I had failed to return the signed document. I immediately contacted XXXX XXXX and left a message for him. I did not hear from him so 2 days later I called again and left another message. My calls were never returned. I was given the name of XXXX XXXX as an internal Wells Fargo contact where I could file a complaint so I attempted to contact XXXX. However, in doing so I reached a person at XXXX XXXX ' number who seemed very helpful. I explained the entire situation to her. She said that she could not find the signed loan document????? She was going to talk with XXXX XXXX and get back to me if there was anything further that I needed to do. I continued to make payments in the amount of {$600.00}. My loan was finally set up online and I was able to see the payments recorded so it seemed that all was fine. However, today I received my check sent to Wells Fargo on XXXX XXXX, XXXX returned with a letter dated XXXX XXXX, XXXX stating that this " check can not be accepted because it is insufficient to pay off the entire balance on the account. '' I have met all of my obligations in this matter. My legal counsel worked with me to fulfill the required signed, notarized document and yet Wells Fargo now is coming back to me as if to begin all over again and continue this as if none of my payments were ever received. I am desperately in need of your assistance. Thank you in advance.

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 09/30/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX inquiries that are not mine due to identity theft

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 08/17/2016 about Debt collection (Payday loan) with GVA Holdings, LLC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received 2 threatening phone calls from according to the message the AG office in TX, I am in Delaware and the payday loan is for CashAdvance. They are stating that I am in default of this loan. I do n't have a 'Payday Loan ' with CashAdvance. It is a scam, I know this as they attempted this on me before several times. The XXXX numbers are coming from XXXX, TX and they are XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX both calls indicated that they were going to have the State Police come arrest me and throw me in jail. To me this is a threatening phone call. The person speaking had a foreign accent and was the same person both days.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX   XXXX   XXXX   XXXX   CITIBA  NK N A   XXXX   XXXX ,  XXXX  Open {$910.00} Account Details Last Reported   XXXX    XXXX ,  XXXX  Collection Agency   XXXX   XXXX   Original Creditor  XXXX   CITIBANK N A  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed  Dat   e -- Responsibility Individual Balance {$9  10.00} High Balance {$910.00} Remarks Placed for collection Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with   XXXX   please wait for your prior dispute request to be processed or contact   XXXX   directly.    XXXX  See the details here Compare this account on your      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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Atlas Credit Company, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: ATlas Credit COmpany XXXX XXXX XXXX XXXX XXXX TX XXXX Company or the Credit Bureaus have reported inaccurate information about my account they are saying i am 60 days late and that is not true problem hasnt been fixed all payments were made on time

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a variety of direct ( sub and unsub ) and stafford loans from my XXXX education that were originally through XXXX XXXX, but transferred to Navient. After completing my XXXX education, I worked for two years and then went to XXXX school. While working, I made consistent payments on the loan and I tried to set up an income-based repayment plan with Navient while in XXXX school, but was told ( incorrectly ) that it would make more sense for me financially to just defer my loans until after I complete my graduate program. In light of the recent suit filed against Navient on XXXX XXXX, 2017, I have now come to realize that my loans have been accruing interest this whole time, leading to more unnecessary debt for me, and profit for Navient. Had they not misguided me down this path, I would be in significantly less debt and making consistent payments on the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified, first by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I received a notification today that a collection was added to my credit report in the amount of {$24000.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.

Company response to consumer: Closed with explanation