milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The account below is paid in full. 

XXXX XXXX - Balance {$39000.00} Accounts ( XXXX ) below are not mines.
View all accounts COLLECTIONS XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5900.00} Original creditor : 09 XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$3000.00} Needs Attention

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 09/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i requested proof because i never used XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I asked XXXX for proof and it 's been over 90 days and they never responded to me. These are not my charges and will not provide me with proof with either of these debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with William D. Meeker Enterprises, Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX XXXX Dear XXXX credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage co. play a game with me for four years, I can pay, but they do not modify the mortgage. The account number is XXXX. I was robbed from many sides and my house was damaged and my XXXX was destroyed, so I could not pay for few months. I could pay after that, but they said I should apply for modification. Four years they played a game with me and collect a lot of late fee and attorney fee and now because I have a lot of equity in the house they want to forclose the house that I live in for 16 years. I am XXXX years old and worked 45 years as XXXX. I can pay now, but they want the whole money and do not coopeate and or make modification. I paid also a co. for reverse mortgage, but they sharge money and they did not do the reverse mortgage. It is not fair and just as I was robbed and they misused my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a XXXX account listed on my credit file as if I had a credit card and did n't pay in the last couple of year which is NOT accurate. I have disputed this several times and only received a collection notice which is not validation. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My boyfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX Apartments and Experian Credit Reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2016 about Debt collection (Credit card) with Global Recovery Group (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The company had what they called " locators '' call me non stop, these people demanded personal information such as address. They told me that if I did not call a certain number, they would be coming to my house to serve me papers. I called the number and they said there company was called Global. They told me that if I did n't set up payment plans, they would not call off the locators and they would come to my home and serve my with legal papers that day. I was scared into setting up a payment arrangement. I lost my debit card, so when they went to process the second debit, it failed. I just received repeated calls from a number of only '' XXXX '' the voicemail left was threatening in nature..they said I only had hours to correct the error. They then said that if I did n't fix this, The exact words were " Good Luck '' They have called my job, and harassed my boss over this XXXX. This ca n't be legal!

Company response to consumer: Untimely response
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with various requirements to receive a {$200.00} cash back promotion. I satisfied the requirements and after XXXX phone calls and XXXX visits to the branch over the course of more than a month the reward has not been deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Mortgage (VA mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: I had water damage at my house. The insurance company did not pay on my claim but I sued them and won. The insurance company made the check out to me and my mortgage servicing company. The funds, over {$33000.00}, are sitting in my escrow account and have been for 3 months. The mortgage servicing company refuses to release the fund, requiring documents that I do n't have or that were never in existence because this is not a typical insurance claim but the proceeds of a law suit. They also continue to request documents I 've sent electronically and via regular mail. In one call the admit receipt of a form, in the next call they demand a copy of the the same form claiming they never got it. I 've made over dirty calls and they continue to ask for things not relaxant to my case ( they want documents from the insurance company that I can not get because they are attorney client work product. I need my money to pay back the loans I took to fix the house. I need a real pathway to get my funds, not new hoops to jump through every time I call for months on end.

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 05/14/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I had a Citi Gold checking account. I cancelled the account. I have credit cards with Citi. Citi will not allow me to link all my credit cards on one page. I called and they stated my bank account is still linked to my credit card accounts despite me calling and Citi saying that my account had just been unlinked. I have spent over an hour and a half just trying to get Citi to link all my credit cards. In the past a representative has stated that he would fix this for me while I was not over the phone but the problem never got fixed. I need Citi to not treat their clients so horribly. I feel the only way I will be taken seriously is by making this complaint or going to small claims court. The calls were on XXXX XXXX, 2016 and XXXX XXXX, 2016.

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 09/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have {$44000.00} in private loans through Navient. Navient wanted my payment a month to be around {$600.00}. I am a single mom and can not afford this amount. I tried contacting Navient to negotiate a lower monthly payment because of my income situation. They basically were extremely rude with me and told me well I owed them alot money and asked me why could n't my dad pay it because he had cosigned them. I explained to them that again, I am a single mom and only make around {$1200.00} a month and after I pay all my bills, I do n't have {$600.00} to give them. Also, my dad retired and my parents live paycheck to paycheck. They do n't have the funds either. Yes, I know its alot of money and its not my parents responsibility it 's mine. They told me that I needed to pay that amount or I would have serious consequences. They wanted me to set up an automatic payment and they could get my payments down to {$480.00}. Again, I told the gentleman, I could n't afford that amount and again he got rude with me and that was the end of our conversation. Well, they continued to harass myself and my parents by calling multiple times a day and making threats. Even calling on Saturdays and Sundays. Eventually, I was able to get ahold of someone after my loans went into default because I was only paying around {$200.00} a month, which is what I could afford, who worked with me and got my payments all group together, supposedly, and got it down to {$200.00} a month. The phone calls stopped for a little while, but then they started up again. We answered the phone after these harassing phone calls had been going on for a couple months, multiple times a day and found out that the reason they were calling is because XXXX of my loans had n't been put into the repayment plan because supposedly they were the smallest of my loans and therefore, could n't. I did some research and these loans are not the smallest of all my loans, XXXX is but the other is not. Since I did n't realize that these loans were not in my repayment plan, they are way past due. Navient is now threatening to take legal action and try to take my parent 's house away. I do n't know what to do. I realize this is a lot of money and I will pay it back. I just need time and I need this harassment to stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Consumer Loan (Vehicle loan) with Patrick K Willis Company Inc (CA).
Issue: Problems when you are unable to pay

Complaint: I am being harassed by a 3rd party company named XXXX about my charged off car loan with XXXX XXXX XXXX. The people calling me from this company are calling themselves investigators. They have called my mom dad brother grandparents and friends all on the same day as calling me. They leave my family members voicemails, that say they are investigating me and need a call back. My family thinks that I have the police department looking for me. Today i spoke with Investigator XXXX XXXX, I did not provide her with any of my information and she disclosed my date of birth, the vehicle information from the loan and was very intimidating and harassing. I asked her to cease and decist and she said no. I asked her to stop calling my number and she said no. I gave her my phone number and said please dont call me i feel harassed and she said I am not harassing you and was very threatening to me about not giving her my information. I said stop calling and hung up. She called me right back again, I again said please dont call and I feel harassed and she said no. I finally got a manager on the phone. he said yes they are regulated by FDCPA but that they will not stop calling. He said I didnt give him my information so he doesnt have an account to document to stop calling. I told him that XXXX who just transfered me to him had my account as she had disclosed all of my personal information to me and he said he didnt know what i was talking about. I gave him my number and asked him not to call and he said he cant do that. I called this company back thinking i was calling a police department because i was under investigation for some reason. I am in the middle of settlement discussions with the original creditor XXXX, and I cant try to come up with money from family and friends to settle this loan, if they think the police are coming after me for something with them calling everyone telling people I am under investigation. Giving family and friends my account number to call back with. Anyone who called back with that account number would have been given my social, my date of birth, my loan information. Is this company miss using my personal information. Do i now have to worry about identity theft? I have major concerns and I am afraid this company will actually come to my home to talk to me in person, or threaten me. XXXX has also text messaged me and my family and friends all at the same time about this. Giving an account number out to everyone for this. My family asking me if everything was ok. I can not continue to be harassed about this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Medical) with Accredited Collection Service, Inc. (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a phone call through my employer which I 've told this company to NOT do in my previous complaint. However I asked this creditor to send me documentation proving the debt which they did send. I called the insurance company to investigate if the charges were correct. I called ACS and left a message advising the insurance company was investigating the bills and to allow time for that. ACS NEVER followed up to check the status of XXXX 's investigation and file suit against me. I provided ACS a vaild phone number to reach me which they NEVER called to see if I personally had any update or anything. ACS filing suit against me WITHOUT verifing XXXX determination is violation to MY RIGHT to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX stating the paid my car loan off to XXXX consumer yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXX XXXX XXXX ice nevee been four payments late I changed my due date

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Account opening, closing, or management

Complaint: Citizen 's Bank employee by name XXXX called us on XX/XX/XXXX and offered apply for refinancing of our home equity loan with a lower interest rate ( 2.5 % ). She asked for the last year tax return and my husband 's last XXXX pay stubs. The next day we provided those documents. Now, we are harassed by a woman by name XXXX XXXX XXXX, who tells us what to do ( to pay XXXX amount of money which is disputed because XXXX charged us fees for internet services which we did no use and which came from third parties ). Eventually there was a class action lawsuits filed and XXXX settled. In our case XXXX demanded some of disputed amounts and we refused to pay. Eventually XXXX cut off all services except for XXXX telephone line. at that point it was discovered that XXXX switched our telephone lines making primate line a secondary and the secondary as a primary. At that point our XXXX started to show error message on control panel and we discovered for the previous two years we had a security system for which we paid but which did not have connection to the XXXX. We demanded charges to be reimbursed and complained through FCC but although XXXX committed perjury FCC did not satisfy our request. We switched to XXXX and for the last 7 years do not respond to XXXX offers to switch back to them. No money would be paid out of the disputed amount. XXXX XXXX started to harass us demanded the payment of the disputed amount, additional documents ( XX/XX/XXXX tax return and proof of home owner 's insurance ) which we provided. Now she started to ask about companies we have no idea about and again for documents that we had already submitted. It appears that she does not know what she is doing and we refused to deal with her. She said she would withdraw our application. It appears that because we are foreign born we are systematically are harassed, intimidated, insulted and humiliated by banks in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America, after more than 1 year of requesting and re-requesting documentation, stated I did not qualify for a modification loan. The reason they stated was debt to income ratio, that I made to much. However, XXXX other banks stated my income was not enough to get a new loan. Therefore, how can Bank of America state I make to much income while all other banks state I do not make enough? This complaint is inline with the lawsuit file against Bank of America for paying cash bonuses to their loan officers for denying loans to qualified borrowers. 
( go to web site or read excerpt below ) XXXX. 

This is an excerpt from the law suit : " Bank of America routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure, according to affidavits filed last week in a Massachusetts lawsuit. " We were told to lie to customers, '' said XXXX XXXX, who worked in the bank 's loss mitigation department until XXXX 2012. " Site leaders regularly told us that the more we delayed the HAMP [ loan ] modification process, the more fees Bank of America would collect ... ... .... '' Bank of America has not offered me any other alternatives. There underwriting department is in disarray. I '' ve read XXXX other complaints online that back this up. 

My loan amount has now tripled. BofA appears to think little of your department as far as any threat to disallow them from any wrong doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient has been tasked with my loan consolidation. I started receiving many threatening phone calls back in XXXX when I was out of school. They were not nice calls and many threats were made. I was going through financial hardship including a 9 year long custody battle, another divorce, and soon thereafter a bankruptcy. 
I was able to place my other loans ( I thought all of them ) into deferment/forbearance while I was dealing with my personal issues and was expecting the consolidated loans to be deferred as well. I 'm not contesting the loan, I just needed time to get financially stable before starting repayment. 
As job prospects were not what I hoped for, I decided to go back to school starting XXXX XXXX. I filed the necessary paperwork for in-school deferment. I received notice that my loans were in in-school deferment. I thought everything was fine. 
I am still in school and expect to be finished some time between XXXX and XXXX XXXX. 
I recently reviewed my credit report and the loans serviced through Navient are now showing up. They were not there before! It seemed as though everything was in deferment, but now they are not and while trying to get my life back together, finish school and rebuild my credit, Navient is causing issues. 
Again, I am not contesting the loans. I just want them to be placed in in-school deferment so I can focus on school and not have to worry about dealing with Navient until I finish my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Trouble during payment process

Complaint: We want to be included in the law suit against wells fargo, they foreclosed on our home illegally. Stating we owed XXXX on home. we never refinanced home, built the home for XXXX in XXXX. Payments unapplied, file bankrupsy to keep the home. They had our payments at XXXX per month plus XXXX bankrupsy payments. Nothing ever applied. We were told they put us in a jack leg loan. refused to lower our interest rate of 8 % an to help us with any modification. We want our name on the top of the list in law suit. I hope the Federal Government comes down on Wells Fargo hard and they have to repay people like us they scammed.

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